BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-07
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I spoke with a rep from this collection agency Aargon Collection Agency Named XXXX who advised me that I owed for an XXXX XXXX Bill from XXXX 2016 to which I advised him I would have to contact the original Company to inquire what this bill was about. He then advised me that He would call XXXX XXXX XXXX Police on me about this bill, when I requested to speak to his supervisor she said that he did not day that, my husband was listening in on the call and was very adamant of what this XXXX said. I am aware of the FDCPA rules and making a false statement is a violation of these rules claiming to involve Law Enforcement when there was no intention to do so. This happened today XX/XX/XXXX at XXXX XXXX PDT

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 2020-11-18
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, and I hope all is well. While reviewing the credit profile to XX/XX/XXXX the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. National Recovery Services hired a third-party collection of XXXX XXXX University to report items on the credit profile. If out of network required treatment, nothing presented or explained during the time of visit was ill during the time of treatments. Pre-Authorizations are required before the visit. If practices failed prior, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.

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 2020-05-18
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My Chase Card was paid in full and closed in XX/XX/2020 due to bad customer service where they claimed I did not cancel a flight on time ( I had to email them a copy of my phone bill showing I did call on-time ) and they still did not provide me with a credit or points back ( I lost a {$500.00} air-fare ). They claimed that they didn't have a record of me calling. My flight was scheduled for XX/XX/XXXX. After this incident, I paid my balance in full ( $ XXXX ) and asked for the account to be closed out. Never got confirmation in writing. 

Fast forward to the week of XX/XX/XXXX when I called, as I got a letter stating I had an unpaid balance. I told them the hotel charge from XXXX on XX/XX/XXXX is a mistake as I cancelled that reservation via XXXX and I have the email confirmation. The hotel made a mistake and charged me twice instead of giving me a credit. I am now showing as having a delinquent account when I have never had issues paying and my credit score was XXXX. Chase Credit card is the worst and even talking to a supervisor did not help. I would like the delinquent account to be removed and my credit score to be re-stored. How is a charge showing up on my cc after it was closed is my question. The hotel shouldn't have been able to charge me, which it would've triggered a call. XXXX called the hotel and due to COVID, they are closed until XX/XX/XXXX and won't be able to clear the charges until then. I have now paid off the account, which I shouldn't have had to and now I am owed a credit. Bottom line, don't care about the credit. Don't want to deal with Chase ever again and I would like my score to be restored. You have damaged the credit on an outstanding customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, 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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Ive disputed these accounts with the credit bureau and asked for them to remove these items on my credit report. Not only do I not have any recollection of these items per the FCRA they have yet to be verified to be my accounts and are currently MAJOR REPORTING VIOLATIONS on my credit report. These issues are hurting my credit in a major way and I simply want them to be removed.

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 2017-08-07
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Years ago when I was struggling to keep up with my student loan payments, Navient suggested putting all my loans into one. They did not explain in depth to me what this actually meant in the long run. I am a single mother that receives no support, so anything helped. Unfortunately, I did not understand what the consolidating my loans meant or the " fees & Interest '' involved which also was not explained to me. My father came down with a terminal illness, and I took on the role of supporting him until he passed. This in turn made it even more difficult for me to keep up with my loan payments. I tried reaching out to Navient today to try and discuss negotiating my payoff amount. I came into some money and was hoping to get some of my fees and interest reduced or forgiven from over the years. They did not give me any options to help me out what so ever. They do n't have any lump payment negotiating ability. I find this hard to believe, and do n't know where else to turn to for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: ENCORE CAPITAL GROUP 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:
On XX/XX/2020 and XX/XX/2020, MIDLAND FUNDING add a derogatory marks on my credit reports per XXXX and XXXX. Original creditors : XXXX XXXX  and XXXX XXXX. Upon further research, those accounts were transferred /sold and I am no longer responsible for them. Debtors creditors did not verify those collections. Also there were no written form of communication, contract or signature for those accounts debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
Settled an account with discover credit company, and the account still said charged off instead of settled or paid off. They agreed during negotiations that it would be changed. But whenever I call and ask to speak to a supervisor, I have been put on hold forever, and I end up dropping the call. It's not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
In XX/XX/2019, I traveled to XXXX for my Wedding ceremony and spent a month and some weeks. I missed a payment because, unfortunately, I couldn't log in to my bank from XXXX due to security reasons to make my payments. I immediately made that payment once I returned to the US early this year. I spoke with the representative of XXXX XXXX XXXX and explained my problem. They referred me to the credit bureau, who referred me back to XXXX financial. I hope you can get them to remove this negative statement since they both agree that the circumstances were out of my control. I don't think it's fair to suffer for this error due to distance and security. I offered to show proof of my travels, my ticket to and fro. I employ you to please help 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 2020-10-23
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
No response to the following written request sent on XX/XX/XXXX ... 
XXXX XXXX XXXX ( my mother ) passed away several years ago on XX/XX/XXXX. Attached is her death certificate and Last Will showing me as her independent executor, sole heir and beneficiary. It has recently come to light that the above referenced account may have gone dormant. It is necessary this account be reactivated ( If applicable ) and I be added as her replacement signatory to conduct the necessary business matters associated with this checking  account. 

A followup was sent certified on XX/XX/XXXX ... 

Although I would ask why I wasnt afforded the courtesy of a response to my letter of XX/XX/XXXX ( copy enclosed ) the more pressing matter is that which was the subject of the letter ; My request to have my named added as a signer to the account so the business matters associated with that account can resume. I purposely have not included another copy of my mothers last will and death certificate trusting the documents sent mid-May have not been lost or misplaced but rather simply not acted upon. Should you need replacements, notify me of such and arrangements will be made to forward duplicates. Use any of the means below to reach me.

I have had absolutely no response to either pieces of correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I do not know where start. I so XXXX right now I have been fighting with all Credit Bureaus about this issues. On my reports there a XXXX XXXX  that was open XX/XX/XXXX. I have NEVER and I repeat NEVER had account with them in my life.. Why is this so hard to get remove when it not mine. I have been sending disputes since XX/XX/XXXX and nothing to this day has came off. I understand that people lie abou this but I am not and wouldnt fighting so hard if I was. This is really damaging my report and I want it remove.

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 2019-03-05
Company: Trident Asset Management, L.L.C.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is strictly fraud. I have not done business with 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 2021-08-09
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:
Someone has my information and attempting to open accounts in my name. This is fradugelent activity & I attached identity theft 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 2019-03-05
Company: EQUIFAX, INC.
State: OH
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:
Equifax is reporting 2 Bankruptcies on my credit report. They are continuously stating they are verifying the reports through XXXX. I have a letter from XXXX stating they deleted the Bankruptcies from my consumer reports and are no longer showing any Bankruptcies. They also say they are not reporting any Bankruptcies to Equifax. I also have a letter from the Bankruptcy Court stating they are not reporting any Bankruptcies to Equifax as well. They also have not marked any of my reports as disputed per FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company showed up on my credit report stating that i have an account in collections for {$940.00} on one letter they sent and {$960.00} on another letter. I originally did a written dispute on XX/XX/XXXX letting them that this debt is not mine and that it needs to be deleted off of my credit report immediately.. ( The address and name does not match my name and address at all. ) i gave them 31 days to respond they never responded. i sent them another letter on XX/XX/XXXX stating that since they didnt respond to my first request that this needs to come off immediately. they eventually responded back and said that this debit is " validated '' and sent me a bill, which is not what i asked for in either one of my letters to them. They continue to report incorrect data on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding my rights that were violated on behalf of the consumer reporting agencies and it has been 60 days later and I have still not received a response. This is really disheartening and Im starting to feel like Im being taken advantage of and my disputes are being ignored. The law specifically states in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately be removed from my credit report and its been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the embarrassment of my reputation and the stress this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Account # XXXX Best Buy Card issued by Citi Bank XXXX charges beginning XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. I have been charged {$11.00} per month for 6 years. My payment is taken directly out of my checking account, I do n't see my bills. I 've never authorized this protection plan.

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 2020-11-18
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XXXX XXXX someone took out personal expense loans. One for {$9900.00} and one for {$32000.00}. I was unaware of the loans when Navy Federal Credit Union sent me bills for each account. My accounts were hacked into around the same time as the loans. I have resolved getting most of the money back but Navy Federal Credit Union said that I am responsible for the two loans. I never applied for, signed any documents or qualified for the loans. Two people involved in the hacking were actually NFCU accounts holders that did a Member to Member transfers from my accounts into theirs. I did file fraud paperwork on XX/XX/XXXX with the Fraud Unit and filled out paperwork and sent it to XXXX unit. My biggest complaint is why am I having to pay back loans that I didnt apply for. The loan payment on each loan far exceeds my monthly income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,, XXXX ( Original Creditor : 11 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 2017-12-20
Company: CREDIT BUREAU ASSOCIATES-NORTHEAST, INC.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My ex boyfriend and I had an apartment together. His pay check paid the rent I paid the electric and groceries. He up and left me with the apartment. I gave the landlord a written 30 day notice. The only communication that I received from her was that she used my security deposit to clean the bathroom, wipe cabinets etc. I am now learning about four years later that she has put over {$8000.00} in back rent on my credit. I have spoken to an attorney who told me that she would have had to seek a judgment which she did not because I checked the courts and nothing exists. I was never served anything from the courts either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions Inc.
State: AR
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from 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 2017-08-07
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a letter in the mail from Big Picture Loans stating I was pre-approved for a {$800.00} loan. I logged on and applied for the loan. Although a statement appeared stating this was a " very expensive way to borrow money '' before I clicked to accept, I was not able to view the interest rate or total payments due until after I had received the funds in my account.
Once the funds were received, I saw that the interest rate being charged was 637.9945 % bringing the interest owed to {$3800.00} in addition to the original {$800.00} borrowed.
In addition, the loan stated that it would be paid off in 20 payments. However, until I agreed I did n't realize they would be deducting two payments of {$230.00} each from my checking account, for a total of {$460.00} being deducted each month. This is creating a great hardship in paying my monthly bills, such as my rent, electricity, etc.
I have so far made three payments of {$230.00} each. The loan principal is untouched although I have paid {$690.00}. I have no problem paying the {$800.00} I owe, plus a reasonable amount of interest. But 637.9945 % or {$3800.00} for a {$800.00} loan is unconscionable.
I regret ever clicking on their website. I should have just thrown that offer in the trash and I urge others Do Not Do Business with this company. But they prey on people that are strapped for cash. And the full amounts were not disclosed until after the funds were received.
I would greatly appreciate any assistance. Thank you.

Company response to consumer: Closed with explanation