BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
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: Information belongs to someone else

Complaint:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-07-08
Company: Aargon Agency, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was called and harassed repeatedly by Aargon Agency. When I asked for a proof of debt, I was refused. Little did I know at the time that was illegal.

I then received a notice that they'd posted it to my credit report as a collections without any proof of debt sent to me. So I reached out to Aargon to ask for proof of debt. Once I made it known I knew it was illegal to refuse that to me, I was told that even if I pay this off, it won't be erased from my credit report, which is not okay given that I asked for a proof of debt multiple times and I was refused. All I was trying to do was validate the debt. now, it is on my credit for the next seven years because they didn't abide by the law. 

I still have yet to receive proof of debt from Aargon Agency.

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 2023-06-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Hello i've sent dispute letters to XXXX, Equifax, and XXXX this is the fourth round of letters i've sent out and disputed without any results. My last round was sent out XXXX XXXX. It's been over 30 days and nothing has changed. These items are not mine and are hurting my credit status as im trying to purchase a new home in the near future, thanks. 
Creditor : XXXX XXXX, Account : XXXX Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Credit Inquiry from XXXX XXXX  XXXX, Inquiry Info : HARD Inquiry : Banking - XXXXXXXXCredit Inquiry from XXXX XXXX Inquiry Info : HARD Inquiry : XXXX XXXX XXXXCredit Inquiry from XXXX XXXX  XXXX, Inquiry Info : HARD Inquiry : Banking - XXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXXCredit Inquiry from XXXX XXXX, XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXXCredit Inquiry from XXXX, XXXX, Inquiry Info : HARD Inquiry : Banking - XXXXCredit Inquiry from XXXX Inquiry Info : HARD Inquiry : XXXX XXXX XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXXCredit Inquiry from XXXX XXXX Inquiry Info : HARD Inquiry : Banking - XXXXCredit Inquiry from XXXX Inquiry Info : HARD Inquiry : Banking - XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX - XXXX Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Inquiry from XXXX XXXX XXXX Inquiry Info : HARD Inquiry : XXXX - XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX  - XXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
tried to turn my car in to XXXX they gave me issues taking the car back made me take it too another dealership

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Fay Servicing, LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Fay servicing took over my loan XX/XX/2018 from XXXX  ever since day one i had a problem..fay servicing hold all my payments in a suspended account at the same time calling me saying i behind in payments ... XXXX told me to send XX/XX/2018 payment to them and XXXX would transfer the money to fay servicing ... .XXXX never transfered the money XXXX XXXX at fay servicing told me dont worry she will retrieve the XX/XX/XXXX payment from XXXX ... .XX/XX/XXXX fay servicing calls me saying i amXXXX behind in payments fay servicing was holding my payments in a suspended account and harassing me at the same time about the same payments i made..fay servicing told me escrow was low because my taxes went but this is a lie.then fay servicing told me i was behind in escrowXXXX dollars and have to raise my payments XXXX..The XXXX was forgiving by XXXX XXXX  during the modification negotiations and finalize in XX/XX/2018. Now XXXX and fay servicing are running a scam manipulating the amount of principal owed and fake escrow shortage i am XXXX the reason i had to modify and believe this is discrimination not to honor contract and manufacture problems to change the terms of my modification ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
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: Investigation took more than 30 days

Complaint:
THIS IS NOT A DUPLICATE REQUEST. EQUIFAX IS NOTHING MORE THAN A BUNCH OF CRIMINALS AND XXXX. THE COMPLAINT IS THAT YOU DID NOT RESPOND TO ME ABOUT MY COMPLAINT IN 30 DAYS, TO WIT ... .. 

YOU DID NOT DO YOUR INVESTIGATION IN 30 DAYS. I DARE YOU TO RESPOND TO THE ACTUAL COMPLAINT. RESPOND TO THE FACT THAT YOU DID NOT INVESTIGATE IN 30 DAYS. REFRAIN FROM YOUR LENGTHY, FULL OF XXXXXXXX  RESPONSES, THAT ARE INTENDED TO CONFUSE. 

RESPOND ONLY TO THE FACT THAT YOUR INVESTIGATION WAS NOT CONDUCTED IN THE LEGAL FAIR TRADE CREDIT REPORTING ACT 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, XXXX XXXX XXXX XXXX is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion.

This is a notice sent as per the Fair Credit Reporting Act ( F.C.R.A ) 15 U.S.C. 1681A ( D ) ( 2 ). This is a request for accounting request raiding list of collateral or statement of account reference to U.C.C 9-210. This authenticated record must include all tax fillings ( including all 1099 's, and 1098 's ) any and all trades and /or investments and /or interests associated with this account of which I am alleged to be a party.

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 2018-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Applied and was approved for a Bank of America Cash Rewards credit card early XXXX. 
Noticed today i was unable to login to my online banking account. 
I noticed this without receiving any prior notification from BoA. 
Had to call the Account Closures team to learn that my account had been shut down as a " business decision '' by Bank of America. 
I have XXXX dollars in cash rewards from using the card as a sign up bonus. This cash reward was also taken back by the bank.

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 2021-08-12
Company: DISCOVER BANK
State: NC
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:
Spoke with a representative at Discover and was instructed my credit report would not report a late payment and would report as paid on time. This was in XXXX of XXXX. I was experiencing covid and due to my inability to work was going to be late on my bill that month. Despite being on time with all my future payments since, I would like to request that Discover honor they're customer service and remove the late payment. I promise to continue to pay on time, thank you for your business and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Freedom Mortgage Company
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have provided documents for months to support the requirements to process a loan modification with Freedom Mortgage. The loss mitigation package was accepted as complete XX/XX/2018 followed by requests for a pension award letter, there was no pension and I called to discuss the issue. I sent multiple notice of error requests and information requests to the specific notice request address without response. The loss mitigation package was denied because there was no pension support. I provided detailed information on what is covered by a 1099R and provided the retirement account distribution support. The employees refused to ever discuss the letter denying it was ever sent. The employees refused to provide any or all options available that would cure the default. The employee XXXX promised if I provide his requested forms that the loss mitigation would be processed without issue. The staff does not appear to understand the documents that they are responsible for processing.

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 2019-10-23
Company: Experian Information Solutions Inc.
State: NV
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:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2020-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I contacted Bank of America regarding an unpaid Secured Credit Card that is on my credit report XXXX. The account is listed on pages 6 of XXXX  : Bank of America # XXXX Date Opened : XX/XX/XXXX, with a credit limit of {$300.00}. The date closed XX/XX/XXXX. This account was last reported to the credit bureau on XX/XX/XXXX. 

I spoke with a Bank of America representative and they were unable to locate such an account and have informed me that they report delinquent accounts to the credit bureau once a month. As is shown on my credit report, there has been no report by Bank of America in two years to the credit bureau on this account. 

As such, I would like this information to be expunged from all three credit agencies ASAP.

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 2023-05-16
Company: FinCo Services Inc DBA Current
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX- Current, via automated email : " After a review of your account, we noticed activity which requires us to obtain additional information to verify your identity. '' XXXX - Me, in reply via email : I asked several questions, including for more details on how to meet the address verification requirement given the documents I have available, and how to submit my ID verification without using email attachments. ( It should be understandable that some users might be uncomfortable with emailing scans of ID cards etc. ) XXXX- Current, via email : Ticket reply containing exactly the same information as the initial message on XXXX ; none of my questions were answered. 

XXXX - Me, via email : Bumped the ticket reminding whoever would read it that I had asked questions, and repeating the original ( boilerplate ) message didn't answer them. 

XXXX- Current, via email : " Following an internal review of your account activity, we are exercising our right to permanently close your Current account '' Note that the original deadline given for ID verification in the first email on XXXX ( and the copy sent on XXXX ) was 14 days. I should have had at least another week to work with Current and sort this out. 

XXXX - Current app on my smartphone is signed out. Attempting to sign back in yields a message that the account is suspended, and a button to contact account services. Contacting account services does not work ; " Something went wrong '' when I try to submit " feedback '' to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Cedars Business Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The debt collection agency Cedars Business Services contacted me on XXXX  XX/XX/XXXX about an outstanding debt ( which shouldn't exist in the first place ) and did not tell me how to dispute the debt. Their email is attached. 

It was only because I am familiar with CFPB and federal laws that I was able to send back an email disputing the false debt. Had I not known this I would've not have been able to defend my rights given the debt collector 's false and deceptive tactics. 

According to California law : " Within five days after a debt collector first contacts you, it must send you a written notice, called a " validation notice, '' that tells you ( 1 ) the amount it thinks you owe, ( 2 ) the name of the creditor, and ( 3 ) how to dispute the debt in writing. Don't give a debt collector any personal or financial information until it sends you this validation noticeit may be a scam. '' XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: OneMain Finance Corporation
State: MO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On last Tuesday I went in to One Main Financial and took in what they had ask for to complete the making it as if I ' d got the loan after about 45 min. They came ansaid I just a little bit under the mark and then took my score down XXXX pts after not giving me the money..Ok leave my credit score along if you are not going to give loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
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: Information belongs to someone else

Complaint:
This credit company isn't reporting my information correct. 

1. The history shows there reporting only two years of credit history. 
XXXX XXXX account in XX/XX/1994 2. I have never had a late payment. 
Why is my score so low? two months ago my score dropped again over 50 points and i do not see why. 

3. XXXX XXXX - isn't correct. I have never had 4 accounts. 
This reporting isn't correct. These accounts are not mine. It is impossible that i hold 4 accounts with them. I've tried for over two years to deal with this creditor, in terms of correctly reporting my history with them. I've gotten no where. Sometimes, the company has stated to me that, i am not in there system. 

This reporting is effecting my life, its prohibited me from getting credit that i need. 

4. XXXX # XXXX This account is not mine. I have never had an account with this creditor .The account is fraudulent and needs to be removed from my report. 

5. XXXX - I've called numerous times to this creditor. They tell me that they don't have my information and are not reporting. However this still appears. I would rather address this than to have it affecting my report for XXXX. I've tried everything to get to a solution about this with XXXX. 

Thank You

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 2020-10-20
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:
I wrote a letter on XXXX XX/XX/XXXX to XXXX  XXXX XXXX, XXXX   XXXX XXXX, XXXX, and the Experian Dispute Department. The disputed amount is {$11000.00}. Please send a copy of all documents that was used as the method of verification for this account. Please send the documents that include all original signatures, send my balance history, send my payoff disclosures, send my complete payment history, and send my interest rate disclosures. Delete this account immediately if it is not 100 % accurate. 

I wrote a letter on XXXX XX/XX/XXXX to XXXX  XXXX XXXX, XXXX   XXXX XXXX, XXXX, and the Experian Dispute Department. The date last active for XXXX  is XXXX XX/XX/XXXX, Experian is XXXX XX/XX/XXXX, and XXXX   shows XXXX XX/XX/XXXX. This account payment history shows that it is in a charge-off status and paid as agreed status at the same time starting in XX/XX/XXXX to current, this is a conflict. This account has been illegally re-age. This account has been re-aged. Delete this 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 2023-01-12
Company: SECURITY FINANCE CORP
State: VA
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:
Company pulled my credit report without my authorization

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 2018-11-16
Company: Santander Consumer USA Holdings Inc.
State: LA
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:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
about 5 years ago the newly formed church I attend needed a bank to deposit funds for a building fund. One of the members suggested an XXXX account. Everything has been fine until a month ago when the secretary tried to access the funds. The principle signer has XXXX XXXX and we are trying to replace his name with new ones. They are holding our funds XXXX. We have submitted all the paperwork they asked for, talked to XXXX XXXX who claims to be the president of the new owner of XXXX - Capital One. Emails have been passed almost daily and he keeps saying he is investigating. Meanwhile our bill are not being paid, the missionaries we support can not get their funds until we get our money from XXXX/Capital One. We are told everything is online and there is no brick and mortar bank to go to to talk to someone. We need help desperately. We can not hire a lawyer because our money is frozen. Please, please let me hear from you soon. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a statement and or reduced balance opportunity, that doesn't coincide with your statement. However I'm given the option to agree with 70 % of total amount owed. Witch is still significantly still not a fair and accurate assessment. If said company were to look in depth, to recorded interactions, they would find where, there was more than minimal discrepancies when it came to customer support and care. Given the situation this opportunity is not acceptable and, I wish to pursue this further. 
Sincerely 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