AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: the company continuously reports bad information on me and allows my husbands vengeful ex to ruin my financial livelihood these inquiries are fraud XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX Finance XXXX XXXX Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX Medical And Health XXXX XXXX Show Details XXXX/XXXX/XXXX Finance XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX Finance old account reporting, grantor XXXX stated delinquincy over 5 years old XXXX old account reporting, grantor even states several years from delinquincy XXXX XXXX charge off several years old should n't even be showing any longer, grantor, statue of limitations. 

XXXX fraud 

Company response: Company chooses not to provide a public response
Consumer complaint: Aargon Agency Inc XXXX XXXX XXXX XXXX XXXX XXXX, Nevada United States of America Out of nowhere, Aargon Agency put on my XXXX credit report that I was in collections for {$450.00}. I have never received any notification from Aargon. It seems like they are targeting people who have bad credit and just putting non-existing debt on them. See link http : XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: all fraudulent inquiries : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX as well they do n't list that i only now have XXXX XXXX account and the credit limit is XXXX i have told these people and told these people about my ex wife becoming upset over child support issues and trying to ruin my credit and they fail to do anything. 

Company response: Company chooses not to provide a public response
Consumer complaint: same as i have been trying to get worked out, ex wife is upset over her having to pay me child support so her way of getting back is using my info to try and ruin my credit. STOP LETTING IT HAPPEN. 


XXXX Account Number XXXX -- -- -reports late thought its been years since this happened XXXX XXXX XXXX XXXX XXXX Account Number XXXX -- -- -- -- -reports late though its been years since this happened XXXX XXXX Account Number XXXX -- -- -- limit is XXXX XXXX XXXX XXXX XXXX Account Number XXXX -- -- reporting lates from years go XXXX XXXX XXXX XXXX Account Number XXXX -- -- reporting lates from years ago XXXX XXXX Account Number XXXX -- -- -- lates from years ago Status Closed Balance {$0.00} Type Installment Loan Payment Status Unknown XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Unknown XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Unknown XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Unknown all of the payment statuses on these are PAID IN FULL XXXX Account Number XXXX -- -- -- -- - no balance 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent the Branch Bank and Trust a payment of XXXX on the XXXX of XXXX 2016. The bank applied XXXX dollars to my loan and put the rest in there little hole. This is the XXXX time that this bank as done this to me. I filled out a complaint before but did not follow thru but I am going to follow this XXXX thru, the bank is stealing money my not applying the full amount to loan and holding it. 

Company response: Company chooses not to provide a public response
Consumer complaint: We sold our home and forwarded mail to a professional sorting facility since we had no permanent address. We received all our mail fine with the exception of the Shell Gas card mailings which we had received for years just fine. We had used the card once in XXXX billing cycle and did not use it further. After a few months I received notification that my credit score had gone from well over XXXX to less than XXXX due to past due reports from Shell/CBNA. As soon as I discovered a balance due ( we had not received any bills from them ) I called to take care of it. When I called customer service they confirmed that they would remove any negative reports sent and admitted they had all the mail in question returned to them ( strange since we had no issue with anyone else ). They removed the late fees and I made payment right then for about {$70.00} which was the total balance. After a couple of weeks I received a letter stating the negative credit reporting they sent would not be removed. I was furious! I called again and they would not budge on their decision. I closed my account with them forever! They have a policy that if you have no balance due you will not receive correspondence. I did not receive anything. They send mail first class which means I should have received it no problem. I have worked years!!!! to have a stellar credit rating and perfect payment history only to have it tarnished by these lousy people. I may as well default on everything if something little like this takes your rating down that fast so easy! Whats the point in trying so hard to do good! 

Company response: Company chooses not to provide a public response
Consumer complaint: Aargon Collection Agency reported a debt to my credit report without ever contacting me about the debt. The original Creditor is Missouri XXXX and it has been over five years since I have lived in Missouri. This company never sent me verification of the debt or allowed me to dispute it. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I 've had XXXX business checking accounts with Bank of America for 15 years. On XXXX XXXX, 2015, they closed my accounts without adequate warning and with no reason given. ( they say they sent a notice in the mail a couple of months ago, but I never saw it ) - I was setup with online paper statements/alerts, and I was never sent an email warning, nor were there any warnings when I logged into my account. 

This has affected my business, resulted in multiple missed payments, and lots of inconvenience just as I was heading out for my XXXX holiday vacation. 

I want to find out why they closed my account with no reason. 

Company response: Company chooses not to provide a public response
Consumer complaint: I submitted a dispute with XXXX XXXX and Experian who removed the tax lien since it was not mine. I filed dispute w Experian but they did not remove the item. They did not even do a thorough investigation since I literally received a response in 24 hours that the item was confirmed. I resubmitted the dispute and received an email within a few minutes stating the tax lien was confirmed as mine. I added a statement to my credit report stating the tax lien was not mine. I can not buy a house until this tax lien is off my credit. I wrote a letter to the tax lien and never received a response. I need this item thoroughly investigated so it can be removed from my Experian credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Related Case Number XXXX Related Case Number : XXXX I have attempted to work the following matters out with the information Furnishers, XXXX XXXX XXXX ( XXXX pending litigations against ) and XXXX XXXX XXXX ( Filing a case soon ) for violations of the Fair Debt Collection Practices Act - FDCPA FCRA - Fair Credit Reporting Act, and TCPA - Telephone Communications Act Of 1991 Experian responsible since it continues to allow reporting of inaccurate information. 

The account was reported under XXXX XXXX XXXX and then they sold the account to XXXX XXXX XXXX, both companies reported the same item on my credit report. 

Furthermore, as required under the Fair Credit Reporting Act the credit bureau is required to notify me within 5 days of re-insert date, which has long since past. 

" 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. '' 

Company response: Company chooses not to provide a public response
Consumer complaint: I have several accounts that were to be billed to XXXX as a result of an attempt on my life in 2007 and I have funds to pay for related medical, appts, diagnostic etc. 
I have NO DOCUMENTATION FROM ER IN XXXX AND SEE THIS AS WELL! LIVED XXXX MON AWAY FROM THE.AREA 5 YRS THIS WK! 
I HAVE INCLUDED THE MEDICAL INFO AND BOLLINH YHAT OS THEVSE COORDINATION OF BENEFITS. YET STILL NOT A SYSYEMENT WASVSENT TO ME. HAVING HAD CRAMIAL XXXX, XXXX XXXX ALL COVERED IN PAST AND NOT RECEIVING ANY BILLS ... NO EXPLANATIONS? ... 
PLEASE HELP THE XXXX ACCOUNTS THAT I HAVE NO DOCUMENTS SUPPORTING ANY OF THIS. 

ALONG SAME EXACT ERRONEOUS .OR LACK OF INS BILLING ACUMEN ... COMMUNICATION BY LAW YET THEY HAVE REPORTS ONDTEAD OF BILLING INS ETC. 
XXXX XXXX XXXX XXXX had been privided the billing information and I have XXXX secondary. 
Not only didI not receive ANY NOTICE of an issue regarding slow pay, balance in addition, XXXX amount would have been adjusted amd I also advised XXXX XXXX. XXXX receive a charitable write off for the local hospital and since my services all being covered under XXXX, I see the XXXX on my credit report that is to be XXXX No fee, no copay yearly and I have seen multiple amounts that that reflect I did not pay or pay timely. 
Additionaly, I have a XXXX XXXX and we have no.msil carriers in private community yet this information goes unheard. 
There is NO CROSS-REFERENCE and ALL MAIL PKGS are not just undeliverable, I was advised by multiple businesses that they never received it back from the XXXX MAIN Post Office resulting in no notice of payment. .slow payment. .which I still can not imagine how all these covered by XXXX XXXX XXXX and I see a XXXX who read the films and his office was to bill XXXX as well..then coordinate to XXXX. 

Please help me with multiple derogatory. ..and being on fixed income as result, I chose to build my credit ... and to see this service to streamline the assistance that several points of not being followed through is such a help through XXXX XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a serious issue with this Rep with BB & T. Her name is XXXX and I spoke with her today after I called back again when they hung up on me. Not a way to do business. 

I have an issue with BB & T Bank. My account number ending in XXXX. This is a student account because I am a college student.Now I opened up an online account and I requested the overdraft protection. I had a {$6.00} overdraft and they charged me {$36.00}. Ok I understand that. That was less than a week ago. Now today I get a letter stating that another {$36.00} fee was attached to my account and Now its at a - {$77.00}. So I called BB & T at XXXX and also the number of the back of my card since they hung up on me the first time XXXX. I spoke with a XXXX. I told her that I did n't understand where the extra {$36.00} fee came from. She told me they paid the overdraft and I knew that and that they charged me another fee since it was n't paid within 7 days something that I never heard of before. I told her what is the purpose of the overdraft protection if I am still being penalized. I am being charge {$70.00} plus dollars for {$6.00} dollars. She stated that the overdraft protection is a courtesy that the bank can pay it or not pay it. So I asked her whats the purpose of it if I am still penalized. I had already made contact via email regarding the initial {$36.00}. So I asked XXXX am I going to be charged every week another {$36.00}. She said only once. I told her to close out my account and send me the remaining balance of {$77.00} because I was n't misled like this with the other bank. She told me she could n't close my account out until I bring it current then she can do it. I told her that I want that account closed right now. That I am not paying anything until I get the information that states its closed and I get the balance in my hand. She then threatens me by saying she will send it to collections. I told her I do n't care who she sends it to. CLOSE IT OUT. So now since I do n't want to do business with BB & T, she is going to deliberately allow my account to linger and accrue more fees in an attempt to inflict harm to my credit. What Bank reps you know threatens collections when a consumer wants to stop doing business with them. That 's crazy. At that point, I was getting irritated with her and to keep from cursing her out, I hung up. No one threatens me to do anything. Who is she suppose to be. They trick the consumer into opening these online accounts to get over on them later. I have a right not to do business with anyone who allows their rep to behave this way. If I have to go to the media with this, I will do just that. But I suggest BB & T get a grip on its employees and their scheming practices. I will not pay any money to them until they close out my account. And I am only paying the {$77.00} I should n't even pay that since they never disclosed a 7 day fee of an additional {$36.00}. This is the first time I have heard of such nonsense. 

Company response: Company chooses not to provide a public response
Consumer complaint: Original dispute case number unwilling to correct Describe what happened so we can understand the issue ... 

all fraudulent inquiries : XXXX XXXX/XXXX/XXXX BK XXXX XXXX XXXX/XXXX/XXXX BK XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXBANKXXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXXBANK XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXXBANK XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX as well they do n't list that i only now have XXXX XXXX account and the credit limit is XXXX i have told these people and told these people about my ex wife becoming upset over child support issues and trying to ruin my credit and they fail to do anything. 

Company response: Company chooses not to provide a public response
Consumer complaint: This bank issued me a credit card, to be specific the " apple rewards '' card which is ok but i did n't really realize all i could get back is XXXX rewards. I do n't care for XXXX that much. When i tried to apply for an additional card with this company they told me " well we want to see if you are going to pay the bill on this card etc etc '' that seems a bit discriminatory to me seeing as how they could see my credit report and the fact that everything i have is paid, not late, nowhere near the credit limit and i have been responsible with this one the little bit of time i have had it. A card that gets me cash back i can use for paying the bill or while shopping would better suit me so if anything i would want to open a different account and role the available credit i have from this card onto another card with a higher limit. I do n't mind keeping this card but i think i am deserving of a different card as well with a better limit. XXXX gave me a XXXX limit and i have been just fine with it and very responsible. I plan to purchase my first house in 2 years so i am not messing up my credit. Its nice to have so many cards but i would rather just have XXXX or XXXX with large limits instead of all these XXXX-XXXX limits here and there 

Company response: Company chooses not to provide a public response
Consumer complaint: Purchased a vehicle in 2012 from a dealer in XXXX, PA who financed it through Autotrakk and at the time of purchased my Sister and I were told I would only have to keep it 18 months and could then trade it and this was XXXX of the main reasons I purchased the vehicle because I wanted to get my credit back to perfect and I did. I kept the vehicle more than 18 months with perfect credit and went to trade it and the dealer said I could n't trade it that I owed more that the vehicle was worth that 's when I learned that XXXX charged me {$4000.00} more than the vehicle was worth. I went ahead and bought the new vehicle and kept paying for the Autotrakk loan and put that vehicle up for sale. During the duration of the loan Autotrakk kept telling me this was a lease because I kept asking why I could n't get a better interest rate because my payment history was perfect and they kept telling me that it was a lease which was contradicting what the dealer told me. These people in customer service are all incompetent. They required you to do the service calls on the vehicle and they would tell you when they were due which was no problem cause that was paid for by them and I did everyone but when I would call to make my payments after a service call they would say you need to make your service call and I would tell them it was already done but the last service call I did the dealer did n't notify them I guess and when I tried to make my payment they refused to take my payment and I went off, those XXXX just ruined my perfect repayment history by not letting me make my payment. It is there responsibility to call the dealer and confirm the service call was made. The service call was done XXXX XXXX and that info is available right at the dealer. I told them to come get the vehicle or I would take it back to the dealer and they did the next day so this was a I voluntarily gave the vehicle back but still the loan was perfect credit but they turned it into the credit bureau as a repossession and now even thought all my debt is perfect credit and I have several credit cards I can not better better car insurance or even better credit cards with low interest rates because it lowered my credit score form XXXX to XXXX so I am suing them because they would not except my payment and how can you reposess a car with perfect credit. I will fight this and go to court to get this off my credit report. Stay far away from this company and do a XXXX search for Autotrakk and see all the complaints this company has they should shut this company down these people do not know how to do good business and I will put it on all social media platforms to warn people to stay away from this company. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is follow up to my prior complaints ( XXXX and XXXX ). In my complaint XXXX I followed up on inappropriate delinquency reporting to credit bureaus for there specific months. Unfortunately, SPS is reporting inappropriately for additional months ... XXXX, XXXX, and XXXX XXXX. Let me be clear ... SPS should not be reporting any lates on either my first or second loan accounts with them ever. I want the three months referenced above and any others, corrected. I contacted XXXX at SPS ( as she was the one who sent the letter to me confirming correction of the credit reporting for XXXX XXXX, XXXX XXXX, and XXXX XXXX ) to address the additional months identified above ( XXXX - XXXX XXXX ) and left a message for her to return my call three weeks ago and have yet to hear from her, thus I am filing another complaint to resolve the matter. 

Regards, XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received a letter from an attorney claiming that he will help with a law suit filed by Wells Fargo bank for unpaid debt. I never had debt with Wells Fargo bank. 

Company response: Company chooses not to provide a public response
Consumer complaint: My ex husband refinanced his house on XX/XX/XXXX and WFG is the title company with XXXX XXXX listed as the Escrow Officer. After a conversation with the District Attorney and also a private family law attorney that was representing me in a civil matter with XXXX XXXX, there was concern as to how this refinance could have possibly taken place with a judgement/lien for over {$8000.00} in unpaid child support. In addition it was discovered as XXXX testified in court that that more than {$15000.00} was issued as cash payment to XXXX XXXX as part of this transaction. None of which should have taken place without the child support judgment being paid first. She did indicate that another judgment had been paid but did n't indicate what that judgment was for. I am currently owed more than {$20000.00} and this transaction seems to have been fraudulent. 

I have pulled the public records to confirm the title transfer. If indeed the previous title and the current title are in XXXX XXXX XXXX name, this transaction should n't have legally taken place without the child support being current. 

In addition, the demographics of the house show a XXXX bedroom XXXX bath home. The basement of this home was remodeled without any permits being pulled and the home is now a XXXX bedroom, XXXX bath home. I will notify the county of the work as this is a safety concern. 

The property address is XXXX XXXX XXXX XXXX XXXX, Or 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was told by XXXX Bank XXXX XXXX XXXX Account XXXX that they will remove entire trade line, Back In XXXX it has been completely removed and now in XXXX it has been reposted. I included a copy of my report showing complete removal. 

Company response: Company chooses not to provide a public response