BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-13
Company: Aargon Agency, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
During a recent review of my credit report, I noticed an account placed for collection from Aargon Agency for {$260.00} for a XXXX account. I contacted XXXX and was told my most recent account in noted as closed and paid, over 10 years ago. I have never done business with Aargon Agency, and to date, have received no communications regarding our relationship or any attempts to collect this alleged debt. Had this happened in accordance with fair debt collection standards, I would've have an opportunity to request validation of this debt within the allotted time frame. Please provide the address and phone numbers used to attempt the debt, along with copies of the statements & debt validation forwarded to me. Please also provide a contract with my signature where we've entered into agreement to do business and any applicable billing statements demonstrating my financial responsibility for this account within 7 days, or immediately remove this from all 3 credit reporting agency accounts. This is creating an undue hardship on me and my financial status.

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 2023-05-22
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:
Upon reviewing my credit report there's an account listed as " XXXX XXXX '' that is PAID and needs to be removed from my account 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 2023-05-22
Company: Experian Information Solutions Inc.
State: VA
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 am never late in this account please remove the late payment remarks! This is ridiculous, there should be no late payment remarks here!

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 2018-07-27
Company: EQUIFAX, INC.
State: GA
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:
I have submitted this letter to all the credit agencies, Equifax, XXXX and XXXX  and it still has not been removed. They lied they did not validate they went and put the information on themselves. The courts clearly stated the clerk 's office does not provide information to credit reporting agencies. Credit reporting agencies access the court data by visiting the office and reviewing records or by logging into United States Courts Public Access to Court Records ( PACER ) system with an approved login and password. They also stated bankruptcy case information is publicly available for any interested party to review. 

I have provided the letter in the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I called this company to find out what was the debt on these three accounts. One was {$770.00}, {$2500.00}, and {$2400.00}. XXXX XXXX I paid two of the accounts and explained to them that one of the accounts I did n't have. I paid the {$770.00} and XXXX. The agreement was to pay the accounts and they would be removed. In XXXX I called Portfolio Recovery Associates, LLC to inform them that the accounts still were showing on my credit report. About two days later I received a letter on one of the account saying they were deleting one of the accounts. I waited two more months and went to apply for a home loan and found out all the accounts were still showing. I 'm in the process of trying to get a home for my XXXX XXXX sons and due to their condition we have to have a lot of modification to the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-03-23
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My former company, XXXX XXXX XXXX XXXX XXXX, opened up a credit card in my name when I started working there. The card had my name on it and theres. I didnt want the card, but they insisted I have it for travel expenses. I was unexpectedly laid off from there in XX/XX/2022. Since then, XXXX XXXX has been calling me and writing letters that I owe them over {$3000.00}. I have repeatedly told them I no longer have access to the account and the card was closed by my employer but they wont stop. The card company had a special site for employees to access for card info. However, I can no longer access it. I havent used this card and have no idea what the charges are for. No one at XXXX XXXX  can tell me anything except that I owe them money and have been sent to collections. They are threatening to ruin my credit for a corporate card that I no longer have and havent worked at the company since last year. I called XXXX XXXX and they wont even give me an address to write to someone.

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 2018-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One placed a stop payment in error on a close out check sent on XX/XX/XXXX, received on XX/XX/XXXX. Their reason for error is stated as " expectations not set correctly '' or similar thereof. A second check was sent on XX/XX/XXXX, the day I left for vacation. It was intercepted by a XXXX XXXX, my signature forged and cashed fraudulently. As the stop payment is an error on end of Capital One and thus replacement check sent out, Capital One is responsible for loss. Unfortunately, they will not admit so and claims the person, XXXX XXXX, lives at my address when she in fact does not. The funds were not received by myself, Capital One owes me the amount of check, XXXX. Further, the signature on check is not mine, Capital One is aware of this as they have my signature on file as reference. I previously requested the physical address to mail small claim and notice of suit to Capital One as well as name and number of their legal counsel, A XXXX XXXX took well over a month to reply and did not provide requested information. She responded with a web address to go to and left her contact number when she does not accept calls, return messages or calls. A total of seven ( 7 ) messages left thus far, none returned. I need physical mailing address to send notice of small claim suit to as well as name and number of their legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: EQUIFAX, INC.
State: IL
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:
The credit bureaus are still reporting inaccurate items on my credit report after their investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-03-22
Company: Wallace Management Company, LLC
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: Information belongs to someone else

Complaint:
I CHECKED MY CREDIT REPORT AND I SEEN THIS INQUIRY THAT I HAVE NO KNOWLEDGE OF AT ALL AND I ALSO HAVE A IDENTITY THEFT ALERT ON MY REPORT AND THEY ARE SUPPOSE TO CALL TO MAKE SURE THAT IT IS ME AND THEY DID NOT DO THAT AT ALL nquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On XX/XX/XXXX, I requested a credit limit increase on my XXXX credit card. XXXX attempted to pull my credit report from TransUnion. However, I had a credit report freeze in place with TransUnion, so the request was denied. XXXX then attempted to pull my credit report again, and again the request was denied. Both attempts appear on my TransUnion credit report. 

First, I contacted XXXX on XX/XX/2018 and spoke with a supervisor. I explained the situation and she checked with their credit approval department and told me that since the inquiries had not gone through, they should not appear on my credit report and that XXXX was unable to have them removed. She advised me to open a dispute with TransUnion to have them removed. 

On that same day, I submitted a dispute to TransUnion through their website. On XX/XX/XXXX, I was notified by TransUnion that their investigation was complete and that my report had been updated. However, the inquiries have not been removed and TransUnion does not provide any way to follow up on the results of the 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 non-monetary relief
Consumer complaint received 2021-09-21
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I reported to chime that my phone was stolen and my account compromised I could not get into my mobile app at time of first dispute well finally the XXXX I could access account or so I thought chime put hold on account for suspicious log in activity finally XX/XX/21 I regained access upon checking my account {$400.00} in unauthorized transactions were made I immediately contacted chime and dispute it not even a full 24 hours later my dispute denied I have a temp to reopen dispute with no luck I missed 2 day of work while account was on hold and I was robbed and chime dont care

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The 2009 Credit Card Accountability Responsibility and Disclosure Act dictates that if the annual percentage rate on my card was increased to more than what was agreed upon in my Card Agreement, then the bank ( credit card provider ) must review my account every six months to assess whether the factors that prompted the increase have changed. Upon this re-evaluation, if factors are met, the APR is to be reduced to the agreed upon rate. 

Upon review of my account and payment history, I have determined that Symphony Bank / Lowes did not conduct such re-evaluations of my accounts, or used unethical or illogical tactics in its methodology to re-evaluate rates that decreased the likelihood that I would qualify for a rate reduction. 

Due to this miscalculation of interest rate charges, Symphony Bank / Lowes violated the Truth in Lending Act and Regulation Z by  overcharging me for my credit card balance during the years of XXXX Current Day.

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 2023-12-04
Company: RFNA, LP
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This letter is to inform you that I still dispute this public record. After not receiving your response to my original dispute letter, I contacted the original creditor who was unable to verify this account as mine. 

In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt.

Because I still consider this public record as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this problem.

I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
On XX/XX/XXXX, I requested a credit limit increase on my Citi credit card. Citi attempted to pull my credit report from XXXX. However, I had a credit report freeze in place with XXXX, so the request was denied. Citi then attempted to pull my credit report again, and again the request was denied. Both attempts appear on my XXXX credit report.

First, I contacted Citi on XX/XX/2018 and spoke with a supervisor. I explained the situation and she checked with their credit approval department and told me that since the inquiries had not gone through, they should not appear on my credit report and that Citi was unable to have them removed. She advised me to open a dispute with XXXX to have them removed. 

On that same day, I submitted a dispute to XXXX through their website. On XX/XX/XXXX, I was notified by XXXX that their investigation was complete and that my report had been updated. However, the inquiries have not been removed and XXXX does not provide any way to follow up on the results of the 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 non-monetary relief
Consumer complaint received 2021-02-09
Company: HOVG, LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2016 I was involve in a motor vehicle accident. Was transported by ambulance to the hospital. This bill is a result of that ambulance ride, from that medical transport company. I ended up having the accident handled by personal injury attorney. That attorney settled the matter without my knowledge, keeping all but {$380.00} and did not pay ANY of the medical providers in question. This bill included. Leaving me with almost $ XXXX in medical debt. The attorney was suspended by the XXXX XXXXXXXX XXXX XXXX due to actions of misappropriation of client funds. The investigator handling my matter indicated to me that this amongst all of my medical liens are part of his {$5.00} XXXX in restitution. I provided the collection agency the supporting documentation that I am including with my complaint. They not only refuse to remove the collection from my credit, but are enforcing the debt, but charging 3 % daily interest on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
File Number : XXXX - I still have 3 inquiries on my credit report that I DID NOT authorize. PLEASE DELETE THEM ASAP : >XXXX XXXX XX/XX/2018< >XXXX VIA XXXX XX/XX/2018< >XXXX XX/XX/2018< AS I Said, I DID NOT authorize these inquires and NEED to be deleted!

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 2022-09-21
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00}

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 non-monetary relief
Consumer complaint received 2023-04-09
Company: PatientFi, LLC
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:
My name is XXXX XXXX. An account with Patient Fi was opened in my name for an amount of {$6000.00} on XX/XX/2022. I have no knowledge of this account and did not authorize it. I believe I was a victim of identity theft and I need the account and its late payments removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23
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: Account information incorrect

Complaint:
I got a credit report to check my credit and found some inconsistencies on my report in XX/XX/2020. I followed the guidelines giving each credit bureau many opportunities to correct this error and only received 1 notification back after that no other response was made 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 explanation
Consumer complaint received 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TRANSUNION HAS AN ACCOUNT ON MY CREDIT FILE THAT IS NOT MINE. 

XXXX XXXX XXXX NOT MINE XXXX-NOT MINE XXXX XXXX XXXX-NOT MINE

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 2019-08-13
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX HAS CREDIT INQUIRIES ON MY FILES THAT ARE NOT MY AND I DID NOT AUTHERIZE : XXXX XXXX XXXX XXXX  XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX, XXXX XXXX  XXXX, XXXX | NOT MINE XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX  XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX  XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX | NOT MINE XXXX XXXX | NOT MINE

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