BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-26
Company: Aargon Agency, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom it may concern, I'm have recently look in the details to monitoring my credit for future endeavors to set things in place for retirement etc. and I discovered a overload of items/ accounts I was not aware of, I'm not sure where these charges and accounts could have activated nor when however these are not my account .I 've tried to call to verify with these companies to little ( or no ) avail .I feel overwhelmed and stuck in moving on ward and upward.

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 2018-06-26
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recently, I've grown an interest in monitoring my credit. I am XXXX years old and I and my family are ready to purchase a home. 
As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. 

I've made several attempts to call the dept collectors and explained my situation to all of them, however these accounts still appear on my report.

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 2018-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I recently received a copy of my credit report file and noticed that there were several unauthorized credit inquiries showing in my credit file. I had a fraud alert placed on my credit file that indicates anyone who is trying to run my credit needs to call me and verify that fraud activity isnt occurring. Ive reached out to the credit bureaus on several occasions trying to explain that my rights as a consumer were violated because my credit was pulled without my permission and nothing has been done to correct the issue. Many of the inquires is dating back from XX/XX/2016. Ive been very professional at trying to get the unauthorized inquires removed from my credit file but now Im frustrated because Im being treated as if Im the one whom authorized the inquires.

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 2018-05-05
Company: JPMORGAN CHASE & CO.
State: GA
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 contacted Chase regarding my attempts to make payments using their mobile app which is how I have always made my payments. Since XX/XX/XXXX they have charged me a late fee each month on top of interest when I was told I was getting 0 % for a balance transfer I completed. It seems as if every time when it gets close to making my payment, theres an unknown issue with the mobile app and I have to call Customer Service to make my payment and ask for them to waive my fee. I contacted Customer Service. I have two accounts with them. One Newley opened. It would not allow me to add my external account to make my payment on time and when it was added after the fact I was then charged a {$25.00} late fee. They did not remove the fee. The card Ive had for years with them I completed the balance transfer on. I was misquoted the difference I needed to pay so I wouldnt be charged interest and the representative that helped me told me he would not waive but one fee. Since then I have been charged a total on one card that has not been credited back {$100.00} on one card and {$25.00} on the other. I have contacted the Executive Office of The President on XX/XX/18. Spoke with a guy named XXXX. He hung up on me and didnt call me back. I called back and got a Supervisor in complaints who put me on hold and never came back and made the call hang up again. Not happy about this. Ive always paid my credit cards on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-28
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX AKA XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-05
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was behind because I was working part-time and then lost my job. Florida 's Hardest Hit payed the past due, plus 12 payments. The loan was in default again because I still had no income. I was told that I didn't qualify for modification without income. Once my social security XXXX was approved I applied for modification. I was told that I needed to pay the past due amount so I did. I was then told that I didn't qualify for modification because I was not past due. I was then told that once I begin making partial payments I would fall behind again and would then qualify. I contacted XXXX for assistance but Seterus would not speak to me with them on the line, so I spoke with Seterus on my own. I only had a few days to make a decision and I was sick with the XXXX. I later realized that my interest rate remained the same, my payment was reduced by a minimal amount and my loan terms were extended an additional 30 years. The original mortgage was 30 years and I have approximately 20 years of payments. I would like to know why the modification ( which I thought was designed to benefit me as well as my lender ) has left me with a 40 year mortgage. I called on XX/XX/2018 and asked for an explanation of the terms of the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Brock & Scott, PLLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I received a notice from Brock and Scott in reference to a XXXX card I had. My first payment for this garnishment was in XX/XX/XXXX and ended in XX/XX/XXXX. This garnishment stopped on XX/XX/XXXX ( dismissed ) due to me paying. I just recently bought a house. A few weeks ago my HR director called me in the office to advise me that this same company is garnishing my check again. I called Brock and Scott on XX/XX/XXXX and spoke with XXXX. I asked XXXX, why did no one call me and send any notice to me. She said they sent it back in XX/XX/XXXX and it came back undeliverable. I advised her that is not true because this is the exact same address they had when they did the first garnishment. XXXX, then advised me to hold on. When she came back to the file she advised me that they will send me a copy of. On XX/XX/XXXX, someone left a someone left an envelope on my door. It was the garnishment documents that they claimed they sent in XX/XX/XXXX and to my old address that is listed in the paperwork. XXXX, advised me that the new filing letter was sent on XX/XX/XXXX, but came back undeliverable. On XX/XX/XXXX the attorney submitted a new filing. I asked her could she send me ALL paperwork pertaining to this. She said that she has too speak to her manager. I also advised her since I never received any type of notification from them. She then asked me is there anything else she can do. I advised her again this is paid per my last paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I sent a letter on XX/XX/2021 regarding an inaccurate item on my credit report. Over 45 days have passed, and I have yet to receive a response. I feel as if my dispute is being neglected and Im being disregarded. According to Section 611 ( a ) under FCRA, states that failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 45 days, therefore it should be delete immediately or litigation will be pursued due to the stress this has caused my life. Additionally, my information was impacted by the Equifax data breach and may have comprised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I have 2 accounts with Capital One. In XX/XX/2016 I notified Capital One that I was going through a financial hardship due to medical issues. I knew I would be late on my payment and I advised them of this. I was told that as long as payment wasn't 60 days late that they would ensure that my late payment would be forgiven. This hasn't occurred as I have this late payment still showing. I have reached out to them numerous times to assist with this issue and sent numerous letters to no avail. I only have late reporting for XX/XX/16 and was able to get back on track the following month. I was told this wouldn't affect adversely and that was a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX I have a personal loan with Onemain financial located on XXXX XXXX XXXX XXXX, XXXX, IL XXXX On XX/XX/XXXX I fell  behind on my account due to unexpected expenses Onemain Financial offered me a 2 month deferment. A representative of Onemain name XXXX called me asking for payment. I mentioned to her a had a 2 month payment deferment and my account was due for XX/XX/XXXX.XXXX was very rude to me treated me to take me to court if I didn't come into the office and make a payment. I told XXXX that my check was low this month and i was under the impression payment deferment was going to help me. XXXX stated talking very loud and demanding payment. Requested XXXX to please not speak to me in a disrespectful way. I also advised XXXX that before treating me Onemain was going to take me to court I have to be severely delinquent and not wanting to work with them after exhausting all the possible options to help me. XXXX then called my son who i the co-borrower and told my son my account was over 90 days past due. which is not true. XXXX also treated my son to garnish his wages. XXXX so rude and out of line she made me cried when she was screaming at me. I believe this is an abusive way to contact a customer. Specially after misleading me with a different for 2 months. I just hope this doesn't happen to another customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep receiving phone calls from a " unknown '' number. I finally answered it today and it was from a credit card that I acknowledge that I owe the balance. The guy on the other end of the line from the bank was very belittling and demeaning to my current situation. I am currently in a wrongful termination suit against my former employer XXXX. The gentleman on the phone was very intrusive as to my personal finances and who was paying my current bills. He wanted to know how I was paying for my cell phone and who was making my car payment. He went on to inquire who was paying my rent. He kept saying I need to get out of bed and be responsible. After repeated comments about me being immature and when I was ready to have an adult conversation he would be willing to help me. I asked how I was being immature and what help he could offer. He said I needed to ask my family and friends. I told him that my family has no been a part of my life for about 10 years ... .the same reason I am in a wrongful termination suit is the same reason my family doesn't associate with me. I told him repeatedly that my family does not associate with me. He continued to say that I needed to ask my family. 
Then he started in that I needed to get odd jobs and get paid " cash under the table. '' I said that is not actually legitimate and stealing from the government ... .to get paid " under the table. '' He said he can't be held responsible for my immoral decisions. I told him that he was encouraging immoral behaviors. To which he responded, " i don't care how you get the money you just need to get us the money! '' The guy got more and more indignant and started to yell. My friends were here and heard how he was talking to me and told me that it was absolutely inappropriate the way he was talking about my situation. After he told me I just needed to pawn everything and make a payment to the bank, I knew I was through and was not listening to him any longer. 
The attitude and the way he demeaned me on the phone was unnecessary. I refuse to be talked to in such a manner. After I just declined to make a payment due to his attitude is when he really went off. He said he would just continue to call me everyday and bug me into making a payment. I can't block the number because they call from " unknown. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Requested information about the debt from debt collection company and Transunion Received letter dated XX/XX/XXXX Debt collection " confirmed '' and remains on credit for debt owed to XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX Balance {$130.00} ( attached ) Requested for TransUnion to reinvestigate the debt. 

Received letter dated XX/XX/XXXX stating the investigation of the dispute is complete and has been confirmed. 

This is NOT my debt. I have never banked with XXXX XXXX XXXX. I am requesting that this debt be removed completely from all my credit reports and any other documents which may include this false 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 2020-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
My Capital 1 account is active and should have not been deleted from my credit history it was a current account in which I made monthly payments please restore my account info back to my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-25
Company: Southwestern Investors Group, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
First threatening phone call made on XX/XX/2018. A message stating a case number, a 24 hour deadline, impersonating a police XXXX, threatening legal action and arrest was left on my grandfathers answering machine. He called me afraid for me. XX/XX/2018 I called back XXXX XXXX XXXX. While on the phone with a XXXX XXXX, XXXX XXXX, trying to sort out why I was being called about a debt I had already paid the year before to a Foster and XXXX, I received a phone call from my grandfather who said they had called him a second time. Again aggressively threatening to put me in jail, court action, using foul language, and giving a 24 hour deadline. I was unable to sort it out with them. They demanded proof of the debt behind paid off. Bank records werent enough. They wanted a letter from the previous company. I called XXXX and XXXX who conveniently had no record of the debt or me paying it off. They directed me to a Southwestern Investor Group who they said hired them to collect the debt. I called Southwestern Investor Group who said they only had record of one payment. They put me on hold, when they returned they said they would mark it as paid, they would mail out a letter ( I  never gave an address ), they would email ( they did ask me for my email address ) me a copy to forward to XXXX XXXX XXXX, and they would contact Cornerstone who they sold the debt to, let them know it was marked paid, and who they assumed hired XXXX XXXX XXXX. I never received an email. I called back around XXXX, as their website says they are open until five Monday  through Thursday. I was sent to an answering machine that said their hours were until XXXX. And, their answering machine was so full I couldnt even leave a message.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-25
Company: WELLS FARGO & COMPANY
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My daughter, XXXX, and her friend, XXXX, found a lady named XXXX XXXX ( not her real name we found out later ) who had a house listed for rent on XXXX. They wanted to rent the house that XXXX had listed at XXXX XXXX XXXX, XXXX, WA. My daughter and her friend sent an application to XXXX and she told them that they were approved. All they needed to do was deposit {$1200.00} into her daughters account, because apparently it was her daughter, XXXX, who normally handled the rental. XXXX gave them the information for the account. Here it is : Bank : Wells Fargo Daughters Name : XXXX XXXX Account # : XXXX XXXX & XXXX went to the Wells Fargo, XXXX, WA branch on XXXX and deposited {$1200.00} into the account on XX/XX/2018 at XXXX. Transaction # : XXXX. Later that same night, they stopped by my place to tell me about the place they thought they had just rented. I told them right away that I didnt like the whole situation and was worried it could be a scam. So, first thing the next morning, I started looking into all the information that XXXX & XXXX gave me and decided that they needed to call the police right away. XXXX called the police and found out that they were definitely scammed and was given a police report #. ( Report # XXXX XXXX Police Department ) XXXX informed her mother of what had happened and her mother got on the phone right away and spoke with the Wells Fargo branch manager on XXXX where XXXX and XXXX had deposited the money. She explained to the branch manager what had happened and gave her the police report #. The branch manager stated that the XXXX Police Department never does anything and informed XXXX mother that the money was still in the account and that she was going to put a freeze on the account. The branch manager called XXXX mother back that same day and told her that they would get their money back but she wasnt sure when, so she would call her daughter, XXXX, within a couple of days and let her know more. That was Friday, XX/XX/2018. XXXX called me very worried on XX/XX/XXXX because the branch manager hadnt called her back. I told her not to worry because it was XXXX XXXX and they were most likely closed. XXXX waited through Tuesday and still never got a call back. On Wednesday, XX/XX/XXXX, XXXX called the branch manager back, who apparently then called the fraud department, and XXXX from the fraud department called and talked with XXXX and told her that the account was never frozen and that the scammer had pulled the money out over the weekend and closed the account and that they wouldnt be helping her any further.

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 2021-05-28
Company: Receivable Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX of 2019 I went to have my braces removed because I could no longer afford to have them. I was made to sign a document stating that I was going to have them removed for that reason. Services were not provided until payment was made on that same day. After a brief review of my credit report, I discovered that XXXX XXXX XXXX XXXX placed my account with Receivable Recovery. Receivable Recovery has never called me, has never sent me validation of this debt, and has made derogatory marks to my credit without my knowledge. Under the FCRA, it is illegal to report a debt without first providing notice of your intention to do so. This information will be disputed as well through XXXX, which will be inclusive of proof of payment. Proof of payment will be provided to the CFPB as well. The agency has 15 days to correct their records before I consider legal action against blatant FDCPA and FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Bread Financial Holdings, Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call continuous and I finally answered today XX/XX/XXXX and they told me very rudely that I owed XXXX on something I thought was paid in full. They bought this debt from someone and have been sending it to the wrong address and today they tell me if I dont pay in full at that moment that will will take legal action. I tell him whatever when he refuses to send me a bill to the correct address and hang up.Then he calls back and says that he will take this as a refuse to pay. I told him I was at work and could not do this now and he says that he would take that as a refuse to pay also.

Company response to consumer: Closed with explanation