BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-18
Company: Aargon Agency, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a medical collection account placed on my credit report by Aargon Agency. They claim the original creditor is XXXX XXXX XXXX XXXX. I contacted XXXX XXXX and I was informed that they did not send anything to collections with Aargon Agency. I was informed to submit this complaint, and dispute directly with the collection agency. Well I attempted to make contact with this collection agency and and was never able to get anyone on the phone. I then sent a certified dispute letter per my attorney and the mail came back unable to deliver. The address is an address that is reporting under the creditor information. This medical debt does not belong to me and the original creditor states they DID NOT place a collection with this company. I'm unsure of what kind of company this is because I can't seem to get anyone to explain this collection to me and why it's being reported on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX {$2600.00} XXXX  XXXX {$63.00} XXXX   XXXX {$980.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been in the process of disputing debts stated on my credit report that are not mine. I have contacted the credit bureaus in regard to these debts and stated that they are not mine and I have no knowledge of these debts. I contacted each credit bureau on XXXX XXXX, and 13 to have these debts ( in amounts of {$580.00}, {$540.00}, {$380.00}, {$1300.00}, {$900.00}, and {$910.00} ) removed from my credit report with proof, and they are still refusing to do so. Some of these " debts '' that I have no knowledge of have even been written off and are still showing on my report as my debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Upon trying to finance a vehicle XXXX XXXX denied me and my wife a loan. They sited information from TransUnion, XXXX, and XXXX. The key factors where Serious delinquency, and public record or collection filed. Time since delinquency is too recent or unknown, To many accounts recently opened. Too many inquiries last 12 months. The fair credit act states that the information on any credit report has to be 100 percent verifiable and I take issue with erroneous information on my credit report. This bank has engaged in redlining and that is a federal crime.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid in full the account in Collection with Aldous regarding XXXX XXXX - Personal Services. The account is still listed in collection. An account in collection is A DELINQUENT OR PAST-DUE ACCOUNT transferred from routine account to the collection department ( or a collection agency ). Under the federal Fair Debt Collection Practices Act, a debt collector generally is a person or a company that regularly COLLECTS DEBTS OWED TO OTHERS, usually when those DEBTS ARE PAST-DUE. This debt is not longer in collection, reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
So XX/XX/XXXX i went to the post office and i sent in a few documents regard identity theft to XXXX, equifax and XXXX. Until this day i still haven't receive an update to what is going on. I dont normally check my credit but when i did i saw a handfull of fraudulent accounts on my credit report. I have never done busines with these companies.I have been getting alerts saying my email and social have been compromised. When i called the credit bureaus they said that they need an FTC report. I have attached the FTC reports with my Drivers license and social.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ENHANCED RECOVERY continues to attempt to collect a debt of {$110.00} dollars that is assigned to XXXX which was paid in full when switching phone accounts. 

This debt has been challenged and removed at least once if not twice before but the Collection Agency continues to cause damage to my credit score by insisting the debt is still owed and by continuing to file a collection against me. 

I have disputed this with the credit reporting agencies and they have ruled in my favor already. 

Please advise Enhanced Recovery to cease and desist with their continued harassment. 

Thank you for your help! 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed several inaccurate, incomplete or unfair information from my credit reports to the credit bureaus and i have not received any response from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: BANK OF THE WEST
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have received the pre-approved credit card offer from Bank of the West XXXX XXXX. The offer was 0 % Intro APR for 12 months on Balance Transfers and Purchases. However, the bank charged the interest rate on my XXXX credit card statement and telling me that the account has no such offering. Instead, the card is offering 15 months balance transfer only. Looking at the offering at here https : //www.bankofthewest.com/personal-banking/credit-cards/cash-back-credit-card.html, it is clearly saying it offers 0 % Intro APR for 12 months on Balance Transfers and Purchases. I've talked to the customer service and supervisor, and they kept asking my pre-approved with the code, which I do not have. I do not think anyone keeps the offer letter like that. Anyway, the act of this bank is deceiving the customer and charge the fee to the clients. Please audit this bank, and I do believe that this is definitely violating the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for a business loan today XX/XX/2020 but I did not get approved because of an account from a company called XXXX XXXX XXXX reflecting badly on my credit report. I had no idea that this account was on my credit because it's not mine ; I never opened this account nor do I have any written or verbal contract with this company and I never gained anything from that account being open in my name such as money, goods, services or any other benefit. I don't know who could have opened this account on my behalf with my personal information but I have never given anyone permission to do so therefor I have already filed a police report. I also never contributed to any payments that might have been made towards that account balance. I have filed this report to the best of my knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Dear Sir / Madam, I understand that you had responded to the XXXX complaint, XXXX that was filed on my behalf by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, saying that you need my authorization in order to provide a response. I hereby authorize you to respond to XXXX XXXX XXXX XXXX XXXX  complaint XXXX. It is critical for me that you provide a response to unauthorized release of temporary security pin online. The very reason for a security pin is to protect myself from identity theft, however, it appears that in this instance a trivial pin was released online by Experian. I trust that you would now be able to respond to XXXX XXXX XXXX 's aforementioned XXXX complaint with this authorization. Best Regards, XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
THIS ACCOUNT IS OVER XXXX XXXX XXXX AND SHOULD BE REMOVED FROM MY CREDIT REPORTS. 
XXXX XXXX XXXX WAS PAID FULL AMOUNT OF {$XXXX} IN XXXX AND ACCOUNT SHOULD SHOW AS SUCH AND CLOSED ( PAID IN FULL ). PLEASE REMOVE THIS HARMFUL FALSE INFORMATION FROM MY CREDIT FILE. 
THIS ACCOUNT IS REPORTING FRAUDULENTLY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
XX/XX/2020 XXXX XXXX CDT received call from XXXX XXXX WELLS FARGO. Representative advised because I made payments on time. All cards will be paid in full in 3 months if payments were made by due date. After I gave account numbers & balances for 5 credit cards. I was told I would receive call in 24 hours. I asked to speak with manager, representative hung up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for credit from discover in XXXX. I initiated the credit sale, they ran my credit and we then entered a consumer credit transaction but they sent me a message saying I was denied which violates Truth in Lending 15 USC 1605 ( p ). Since they denied me my credit, it is now an unauthorized use of my credit card ( social security card ) and that is a felony. I emailed them a notarized affidavit, along with my proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: DISCOVER BANK
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was XXXX from XX/XX/XXXX - XX/XX/XXXX and while XXXX  someone used my identity to open up a DISCOVER credit card on XX/XX/XXXX. The account charged off in the amount of {$720.00} and is still reporting negatively on my credit report. I have fought with DISCOVER & all 3 credit bureaus to try to resolve this issue since XX/XX/XXXX. To date XX/XX/XXXX they are still saying its verified as mine. This is so wrong. I'm a man trying to get my life back together and really did not do what they are claiming " I '' did and its ruining my life. I keep getting denied for everything. I even sent proof of my final discharge paperwork. Please help me rectify this problem that is giving me XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11
Company: Ocwen Financial Corporation
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
PHH Mortgage failed to provide legally mandated notice requirements for changes to mortgage servicing. As a result, a payment was late. The late payment should not be reported to credit bureaus and the grace period allowed by Federal law should be tolled until such time that the consumer actually received adequate notice of who the mortgage servicer was.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
OVERCHARGE on hotel bill. Probably due to not crediting deposit. Brought to attention of hotel and Tod would be credited. Never happened. Requested full accounting of all charges and credits from J P Morgan-CHASE. They refuse to do so and insist on honoring the incorrect charge. JP Morgan is enabling this larceny.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a medical bill in collections in the amount of {$8000.00}. At the time service in XX/XX/2019 I had private insurance but the hospital insinuated that I had zero medical insurance. Now that hospital sent my balance to a collection company. So I am being charged for a medical bill that is affecting my credit scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had XXXX accounts with Capital One XXXX, XXXX XXXX XXXX XXXX. Both of my accounts were closed without any warning. I made large monthly payments and I thought both of my accounts were in good standing. When I learned that my accounts were closed, they reassured me that it was not permanently closed, but on restriction for a short period of time. No reason as to why on restriction. I asked could I reapply to open my accounts and I was told that I could re-open them. When I tried, I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Account Info Account Name XXXX XXXX XXXX Account Number XXXX This is on my credit report twice and it has been reported from a debit company that bought the debit. So it is on my experian report 3 times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am writing to request for your assistance in addressing issues with my public service loan forgiveness payments with Fedloan servicing ( PHEAA ). 

Problem # 1 - I was placed on excessive administrative forbearance of 4 months from XXXX through XX/XX/XXXX when applying for an income-driven repayment ( IDR ) plan when typically it takes 1 month to process the repayment application. I lost months of public service loan forgiveness ( PSLF ) qualifying payments. 

Just to give a little background- I graduated from medical school in XX/XX/XXXX, had a 6 month grace period XXXX through XX/XX/XXXX during which time I have consolidated my direct subsidized and unsubsidized Stafford loans with the intention of pursuing PSLF. At that time, my direct loans were with XXXX XXXX XXXX. My first repayment should have started in XX/XX/XXXX, but I was not informed to file an IDR repayment application before XX/XX/XXXX and once I filed the IDR form in XX/XX/XXXX, XXXX XXXX XXXX gave me a timeline of up to 2 months for processing time. Once the IDR application was processed, my first bill was generated in XX/XX/XXXX on the IBR plan. My loans were subsequently transferred to Fedloan Servicing in XX/XX/XXXX and XXXX XXXX XXXX has since been closed. 

Problem # 2 - During my annual IDR recertification in XX/XX/XXXX, Fedloan servicing placed me on administrative forbearance and Fedloan servicing automatically transferred my repayment plan from PAYE to REPAYE without my knowledge and without giving me an opt out option so that I can make my normal repayment under my then PAYE plan. 

Fedloan servicing said that they automatically transferred me to REPAY because I did not qualify for PAYE. I already lost one month of repayment when my IDR plan was switched from IBR to PAYE in XX/XX/XXXX and now I lost another month again because Fedloan servicing realized that they mistakenly approved me for the PAYE plan. Fedloan unilaterally placed me on administrative forbearance, switched my repayment plan, failed to offer me an opt out plan, and failed to inform me of this whole undertaking in XX/XX/XXXX. Fedloan 's service recovery team agent realized the error of not giving me an opt out option and filed for a review since XX/XX/XXXX for a bill to be retroactively generated, but there has been no remedy since the escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for a business loan today XX/XX/2020 but I did not get approved because of an account from a company called XXXX XXXX XXXX reflecting badly on my credit report. I had no idea that this account was on my credit because it's not mine ; I never opened this account nor do I have any written or verbal contract with this company and I never gained anything from that account being open in my name such as money, goods, services or any other benefit. I don't know who could have opened this account on my behalf with my personal information but I have never given anyone permission to do so therefor I have already filed a police report. I also never contributed to any payments that might have been made towards that account balance. I have filed this report to the best of my knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation