BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-11
Company: Aargon Agency, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted Aargon agency in regards to my credit report. I have been a victim of fraud. I sent Aargon agency a copy of my FTC affidavit via certified mail. I have an account on my credit that I did not open nor did I authorize. Prior to sending the affidavit I sent a letter to Aargon agency to remove this fraudulent information from all three credit bureaus ( XXXX, XXXX, XXXX  ) and Aargon agency disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay Aargon agency and the collection agencies could not provide that information. I want this information removed IMMEDIATELY!

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 2017-08-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/XXXX, I was approved for a vehicle ( XXXX XXXX XXXX ) at XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, TN XXXX ) through XXXX XXXX. The monthly payment was around {$640.00}. I provided the necessary documentation-2 current pay stubs, proof of residency ( lease and utility bill ), employment history ( 17 as a XXXX ), etc. I was there with my XXXX daughter and of course was complimented many times about her. I was told that my 1st payment would be around XX/XX/XXXX. In XX/XX/XXXX, I received a welcoming call from XXXX, that provided me with information about my upcoming payment. A few minutes after the call ended, XXXX called back to ask me if I was on XXXX leave ( I found this to be very odd that they knew that I had recently XXXX XXXX ). I said " yes '', and then we hung up. I never received the information about how to make a payment. A week later ( now a month of driving the vehicle has passed ) Toyota ( a lady named XXXX ) called to inform me that the loan was denied because I was on XXXX leave-despite the employment history and my current pay stubs. I wanted to know how XXXX knew that I was on leave. She was n't sure, but that I should n't worry and that Toyota would handle it. They " handled '' it by making hard credit inquiries without my permission- XXXX ( twice ), XXXX XXXX, Toyota Financial, and XXXX. In XXX, I sent a certified letter with a signature receipt asking them to remove the unauthorized inquiries within 30 days. Their response was for me to return the vehicle. The signature on the receipt was on XXXX XXXX and the 5 inquiries are still on my credit report, my score has lowered, and I am still without a vehicle. I need your assistance in this mattter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried to add the freezes to transition, XXXX, and XXXX   and get my free credit report and they wont give it to me

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 2022-01-06
Company: EQUIFAX, INC.
State: SC
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 was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-05-19
Company: AMERICAN EXPRESS COMPANY
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
bank : American Express issue : deceptive practices by the bank on XXXX XXXX i contacted American Express to ask if it's possible to defer payment for 90 days due to financial difficulties they agreed to not charge financial fees or charge/waive late payment fee for the bill due on XX/XX/XXXX. 

on XX/XX/XXXX the statement shows a credit for interest /financial fees but it also showed a late fee of {$29.00}. 

on XX/XX/XXXX i contacted the bank by phone to try to fix the issue, i had a very difficult time dealing with their customer support representatives, one told me i have to pay the late fees and made up some numbers. another told me the late fee waiver was applied after the bill was issued on XX/XX/XXXX even though i contacted the bank on XX/XX/XXXX a month before the bill was issues, and after hours of waiting and jumping from one rep to another i was told that as a courtesy we will waive the late fee!!, a courtesy?? they made it like i was a bothersome even though they promised they would waive the fees and that's well documented in the chat transcripts. 

i think that is very deceptive, have i not contacted them they would have kept the fee, raised my APR and reported account as late to the credit bureaus. I wonder how many customer trusted Amex and ended up ruining their credit history. 


i have accounts with different banks and let me share my experience with them - XXXX XXXX : 2 account, automated payment deferment for 90 days without even contacting anyone, all done online. no late fees or reporting of late fees. 

XXXX XXXX  XXXX same as XXXX XXXX XXXX 

XXXX : i have XXXX accounts with them. the process was seamless and done online, i got conformation letter send by mail. 

what i got from Amex, a warning letter about the late fee and that any new charges would be declined. 

i agreed for this complaint to be published publicly, my advice to whomever is reading this avoid this bank. they will stab you in the bank in tough times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Experian Information Solutions Inc.
State: CO
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:
someone used my name to acquire/open an account with XXXX XXXX and this account was ultimately charged off for {$1600.00}. They even used an address on XXXX XXXX in XXXX NY and I never remotely lived in the area. I can not seem to get XXXX to acknowledge this issue and correct it.

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 2019-02-22
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Hi, I have has many issues with Citi advantage credit cards. I tried using it for the first week I received the card and it was accepted. A few days after I tried again and was denied. I called and was told they couldn't verify my information. I paid the balance off and I have tried to cancel the cars multiple times and without luck. The same response is given every time I call to cancel the card ; they can't verify my information and they can't cancel my card. For whatever reason, my number can't be verified on their end. Please help me with this issue so I don't continue to pay interest to a card I can't use.

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 monetary relief
Consumer complaint received 2020-11-20
Company: Americas Car-Mart, Inc.
State: IA
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:
I have reached out to XXXX on numerous occasions regarding derogatory accounts reporting on my credit file with them. The 2 creditors in reference are Colonial Auto Finance & XXXX XXXX XXXX Colonial Auto Finance is reporting a Original Balance of {$11000.00} Payment Status_ Voluntary Surrender with a Past Due Balance of {$690.00} Status Update of XX/XX/2018 So my argument is : The status update is inaccurate The Closed Account should not be reporting a past due balance or monthly payment, Status Update shows that the account was NEVER properly investigated which are clear FCRA Violations & inaccurate/inconsistent reporting on my credit file. 

XXXX XXXX XXXX is reporting a Original Balance of {$12000.00} Written Off Amount of {$11000.00} Payment Status_ Charge-Off with a Past Due Balance of {$9800.00} Status Update of XX/XX/2018 So my argument is : The status update is inaccurate, The amount that's supposedly written off is inaccurate, I never received a XXXX as documentation that the debt was written off, Status Update shows that the account was NEVER properly investigated which are clear FCRA Violations & inaccurate/inconsistent reporting on my credit file. 

Also everytime I submit a dispute my credit scores drop due to these disputes which is unfair to me as a consumer challenging various inconsistencies on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: EQUIFAX, INC.
State: CO
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:
In accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding XXXX, XXXX, and Equifax continued willful and negligent compliance I am bringing this to the attention of the CFPB. 

I have written several requests that the unverified items, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX ( XXXX Equifax, and XXXX  XXXX still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is reporting accurate information. 

In the result received from Equifax, XXXX, and XXXX in the first investigation and subsequent reinvestigation, they have stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? All 3  credit bureaus have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 7 ). Furthermore, all 3 credit bureaus have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA-you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Please see the attachment from Equifax showing deletion of XXXX XXXX XXXX  XXXX, Account # XXXX and XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Midwest Recovery Systems
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While checking my credit reports I noticed a collection from Midwest Recovery Syestems. This is not my debt and I have n't heard from Midwest at all concerning this unverified debt. This violation of my rights has caused stress and damage to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There was a hard pull inquiry from XXXX put on my account on XX/XX/2018. I did not authorize any hard pull and was not notified there would be any hard inquiry on my file. I have tried to call the company they said they would look into the matter and over 30 years has passed.

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 2020-11-20
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a dispute letter to Comenity Bank, Victoria Secret and XXXX credit bureau regarding a collection/charge-off that was opened in XXXX. XXXX is still the only credit bureau listed on my credit report while XXXX and XXXX has since deleted this collection/charge-off from my report. It is well over 30 days again and the account still has hasn't been updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called citibank to find out where this debt was and have it verified. Citibank stated the debt was passed the statute and they will not be sending anything in the mail to verify the debt I can either pay the full amount and have it closed out or have it report on my credit report as is. 


I ask that you please have all calls pulled from my communication with them XXXX 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 explanation
Consumer complaint received 2019-02-22
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I received a credit alert stating that a company by the name of XXXX XXXX XXXX added a collection to my XXXX, XXXX and XXXX alleging I owe them {$2400.00}. To date XX/XX/XXXX this company has not notified me of this alleged debt and by not notifying me they have denied my legal right to dispute any debt within 30 days of notification from a debt collection agency - pursuant to 15 USC 1681 et al. This debt has been disputed with the credit report agencies and all they are doing is stating it has been verified, but yet this company has not provided me with ANY type of documentation or communication. This debt is to be removed from all three credit bureaus immediately and proper procedure and protocol followed. I have no reservations in litigating this ridiculous practice performed by XXXX XXXX XXXX in a court of law where I will seek punitive and statuary damages to the fullest extend of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Inquires without my knowledge and or consent. Please delete from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-28
Company: Ocwen Financial Corporation
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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX will not answer any questions in any format email, mail, phone I even submitted a public records request and a FOIA ( Freedom of Information act request. 
They sent me a conflicting XXXX forms with different info and " Lender '' and in XX/XX/XXXX a XXXX with yet more conflicting information. 

I need them to Clarify and explain what has been submitted to the IRS a government Agency. 
Letter was sent in a Ocwen Envelope with a XXXX XXXX XXXX XXXX Letter and Lender Tax ID number Explain & Clarify : ( 1 ) XXXX  XXXX FMV ( Fair Market Value ) why is one XXXX in XX/XX/XXXX and balance of principal outstanding ( XXXX  ) XXXX ( 2 ) Date of aqusition XX/XX/XXXX and ( 3 ) address XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX ( 4 ) XXXX in XXXX date of identifiable event XX/XX/XXXX ( 5 ) Discharged debt XXXX? How did they come up with this amount? ( 6 ) FMV ( Fair Market Value ) XXXX XXXX ( 7 ) Addressed XXXX XXXX XXXX XXXX, Washington DC XXXX but envelope address is XXXX. XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: WELLS FARGO & COMPANY
State: CA
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:
WELLS FARGO DISREGARDED FTC RULES On XX/XX/2020 I ordered a laptop from XXXX in the amount of {$1300.00} the laptop was supposed to arrive on Friday XX/XX/2020. Exactly one week later on XX/XX/2020 I contacted XXXX about this issue they told me the package was delivered according to tracking and that I had signed for it. 

I assured them this can not be the case since I never received a package and more importantly never signed for one. They denied my claim and referred me to my card issuer bank. 

And the same day XX/XX/2020 I contacted my card this year Wells Fargo Bank. They immediately provided a temporary credit in the amount of {$1300.00}. They informed me that upon finalizing the claim that could last no longer than 90 days the temporary credit would stay permanent or fall off depending on the conclusion. This Was not the case. On XX/XX/2020 Almost 6 months after my claim was filed I received an electronic message through my Wells fargo app stating they had just reached out to XXXX 24 days prior to the letter date. They went months without doing a thing. Then on XX/XX/2020 7-8 months after I filed my claim they reversed funds I though had been resolved already. 

I contacted wells fargo and they said they declined my claim due to XXXX providing proof of shipment. Even after insisting that was not true they did not resolve it. I then proceeded to file another claim with their credit executive office on the premise of breaking FTC rules in resolving my claim in a timely manner. I did this twice. They were both declined twice with the same answer of XXXX providing proof. I would like wells fargo to take responsibility for their blatant disregard of federal rules or to charge XXXX since I never received the package. 

Thank you 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 explanation
Consumer complaint received 2020-11-20
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$17000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account.

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