BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-19
Company: Aargon Agency, Inc.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I purchased membership tickets online. When I arrived XXXX in XXXX TX. I was informed by XXXX employeesthat they would not honor the membership since I purchased itto attend the XXXX XXXX TX location. I explained I was notinformed of this and that I thought I could use my membershipany where. The employee stated I only could utilize themembership after I go the designated location of themembership. Therefore, I just paid to get in the park. Thefollowing day attempted to utilize the membership at XXXX XXXX XXXX in XXXX TX. I discovered even if the membershiphad the correct location that is not a part of the membershipagreement. I explained that is the main reason for purchasingthe membership because the advertisement stated it was validat all XXXX including the XXXX XXXX. I emailed andcontacted XXXX membership several times and no one wasable to correct this issue. Therefore, I received a collectionnotice stating I allegedly owe a total of {$1000.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It's really weird how these credit bureaus reporting me as late on these accounts I want you to investigate these accounts. 

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. 

XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I found and filed a claim with WellsFargo for two fraudulent ATM Withdrawals from my debit card on XX/XX/XXXX ( {$200.00} and {$2.00} ATM fee ) and XX/XX/XXXX ( {$100.00} and {$2.00} ATM fee ). The card that was used had never been lost- I had it on my person on both of the days where these fraudulent ATM withdrawals were made. Wellsfargo canceled my card immediately, sent me a new one in the mail and let me know I'd receive the results of my claim via a mailed letter. 

On XX/XX/XXXX I received a letter in the mail from WellsFargo dated XX/XX/XXXX that stated the claim was closed and they " found '' that the transactions were " made by you or someone who had your permission. '' The letter also states : " If you have questions, or would like to take advantage of your right to request copies of available documents we relied upon in making our decision, please call us ... '' I called WellsFargo on XX/XX/XXXX and the staff I spoke with said they have no available documents to share with me, and no information to share about how this claim was investigated. I filed a complaint with WellsFargo over the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Happened on XX/XX/22 I received a call from chase customer service - XXXX ( XXXX ) XXXX. I answered because when I looked up the phone number it showed that it was for chase. I answered and the guy said someone was trying to steal {$2000.00} from my account thru XXXX to a XXXX XXXX XXXX account. He then proceeded to ask for my name and date of birth and deleted my number from my chase banking account and added it to a XXXX XXXX XXXXXXXX account. He said he was going to do a reverse transaction. He made me send the XXXX to my phone number which ended up sending it to their account. The account was registered under someone named XXXX. I have text messages from them adding my number to their account. I contacted Chase about it right away after the incident but they said they couldnt do anything even though it was their own number that was used. I contacted XXXX and was given the same response. I tried talking to Chase again but they didnt help at all. I dont know what to do at this point. Nobody is helping whatsoever. I saw an article where another person went through the same issue and that XXXX XXXXXXXX XXXX ended up crediting her the amount they stole because of Regulation XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions 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:
How many complaints and letters do I have to submit to the Credit Bureaus for them to correct my Credit report from erroneous reporting? the last letter I sent to the Credit Bureaus was XX/XX/2022 requesting that if the Credit Bureaus can not update the status of the disputed account, it would be preferable if they remove the disputed account from my Credit Report. The account XXXX XXXX XXXX XXXX with a Balance Owed : {$810.00} is reported as a charge off account and yet this account indicates a balance! As far as I know, a charge off account must report XXXX balance. I have been wanting the Credit Bureaus update this account and yet they have to do so. I would greatly appreciate it if the Credit Bureaus would just delete this account if they can not comply with a simple request of an update.

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 2016-03-10
Company: Seterus, Inc.
State: IA
Product: Debt collection
Sub-product: Mortgage
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Started refinancing. Closing statement ordered on XXXX/XXXX/2016. Closed, i thought, on XX/XX/XXXX. My attorny pd taxes and insurance, perdium for the days past guarantee. Tax pmt and insurance satisfied by our payments. Seterus, the company who my loan was with refused to honor closing and now asking me to pay XX/XX/XXXX house and escrow. They said they pd taxes on XX/XX/XXXX. Money was removed from my escrow acct between XX/XX/XXXX and XX/XX/XXXX. XXXX county ia treasurere has not received the pmt from seterus and they are now demanding pmt for both XX/XX/XXXX and XX/XX/XXXX. They also spoke with my attorney 's office and discussed the specifics of my accout without me on the line and even voiced that they were unable to talk and proceeded to discuss. I am reporting them fir violating my consumer protection rights. Today i recvd papers from them for being 30 days behind on a payment i should never had to pay and for an empty escrow acct that shouldnt be empty until XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
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 got a letter from many companies one is : Citizens One Auto Finance I never applied for a Auto Loan with XXXX XXXX They misspelled my name I never filled out any application I have been getting these for day now and I do not know why? I just saw my credit hit by negative and down XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: NC
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. These inquiries should also 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 2022-09-15
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I went and financed a new XXXX XXXX XXXX from XXXXXXXX XXXX in XXXX through XXXX XXXX XXXX on XX/XX/XXXX and I paid a down payment cash of XXXX and i also traded my old XXXX XXXX XXXX in and was told that it would be applied to the total amount of the auto loan However Ive recently went over my contract and discovered that was a lie. Which now Considers this contract null and void.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-27
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:
I have been sending numerous letters to the Credit Bureaus and yet they have kept ignoring the letters I sent! I am frustrated by this action done by the Credit Bureaus and I am inclined to pursue legal action against the Credit Bureaus. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identity theft under the provisions of the FCRA section 650b. The last letter I sent to the Credit Credit Bureaus was XX/XX/XXXX with complete attachments such as my driver 's license and the ID THEFT REPORT I received from the FTC which are the requirements of the FCRA Section 605b. Despite all my efforts to correct my Credit Report, the Credit Bureaus have grew negligent of their duty to comply with the FCRA regulations and have kept ignoring my letters which is a clear violation of the FCRA statute. I need the following items removed at the earliest possible time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX FM XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX FM XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX FM XXXX XXXX, TX XXXX XXXX XXXX XXXX ( XXXX Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$290.00} XXXX XXXX  ( Original Creditor : SPRINT ) XXXX Balance Owed : {$690.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2016-07-12
Company: RoundPoint Mortgage Servicing LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1. In XXXX 2016 I had a case number on cfpb : XXXX. It seems the case was dropped. I am not sure why. Please advise. 

2. I forgot the password to get access to my account on cfpb. Cfpb does not allow me to get a new XXXX ( but to reset the old XXXX requiring to enter the old password, weird ). Please advise. 

Thank you. 
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 2021-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Complaint : ( XXXX  ) account # XXXXhas violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX ) account # XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section bXXXX XXXX XXXX Transunion, and XXXX, must remove all information reporting from and relating to ( XXXX ) account XXXX XXXXincluding third party debt collection accounts associated with ( XXXX ) account XXXX XXXXXXXXbecause the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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:
How many complaints and letters do I have to submit to the Credit Bureaus for them to correct my Credit report from erroneous reporting? the last letter I sent to the Credit Bureaus was XX/XX/2022 requesting that if the Credit Bureaus can not update the status of the disputed account, it would be preferable if they remove the disputed account from my Credit Report. The account XXXX XXXX XXXX XXXX with a Balance Owed : {$810.00} is reported as a charge off account and yet this account indicates a balance! As far as I know, a charge off account must report XXXX balance. I have been wanting the Credit Bureaus update this account and yet they have to do so. I would greatly appreciate it if the Credit Bureaus would just delete this account if they can not comply with a simple request of an update.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX we were victim of business email compromise and was given fraudulent account information. We sent the money to a XXXX XXXX  account. We bank with chase bank. XXXX XXXX  called us and stated that they froze the funds and need chase to recall it so we can get our money back. Chase said they arent entitled to recall it. Ive tried to bypass chase and go straight to XXXX XXXX but they told us chase has to recall it. Chase wont do so and the money has been moved to a fraud account at XXXX XXXX, waiting for chase to recall it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
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: Information belongs to someone else

Complaint:
I've sent in numerous disputes regarding these fraudulent accounts and requested the bureaus to send in information related to their verification and have yet to receive anything showing how they are verifying these fraudulent accounts. I've sent in a Police report for identity theft, a notarized affidavit and they still won't even block the fraudulent accounts. This has been going on for months and I'm sure they are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company has failed to remove the credit information being reported to multiple Credit agency 's. The information they areProviding g to the agency 's is inaccurate. They failed to provide proof of debit, dates of debit, and bankruptcy discharge information ect. I have had no account with XXXX for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: OH
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-01-06
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Citi Bank resolved the issue in their email on closed case # XXXX HOWEVER they have again called and sent us notices ( as attached ) that they did not close our account as promised How can I stop them from fee 's with a closed again??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-22
Company: Experian Information Solutions 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:
Not my accounts or 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 2022-07-27
Company: EQUIFAX, INC.
State: NC
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. These inquiries should also be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, 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:
How many complaints and letters do I have to submit to the Credit Bureaus for them to correct my Credit report from erroneous reporting? the last letter I sent to the Credit Bureaus was XX/XX/2022 requesting that if the Credit Bureaus can not update the status of the disputed account, it would be preferable if they remove the disputed account from my Credit Report. The account XXXX XXXX XXXX XXXX with a Balance Owed : {$810.00} is reported as a charge off account and yet this account indicates a balance! As far as I know, a charge off account must report XXXX balance. I have been wanting the Credit Bureaus update this account and yet they have to do so. I would greatly appreciate it if the Credit Bureaus would just delete this account if they can not comply with a simple request of an update.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased a home with three separate parcels of land. All taxes were to be escrowed. I sent them Chase bank copies of delinquent tax notices on 2 of the three parcels of land. They were about to foreclose on XXXX of the XXXX acres financed with my home. Chase never got back to me after I sent them the delinquent tax notices. They did say there was a shortage in my escrow account, raised the payment but never paid the first tax since 2020 when we purchased the land. I inquired late fees, penalties, etc all because of Chase Bank. I paid the delinquent taxes {$1200.00} and refinanced the loan, I am no longer with Chase Bank. Please investigate into my loan because something is not correct and it has been that way since we first signed papers. I will never use Chase Bank again. They were literally about to let me loose my land that I had been paying on for 2 1/2 years with out missing any payments, I always paid extra on the loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-27
Company: Experian Information Solutions 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 have tried diligently to have XXXX fraudulent inquiries removed from my credit report these inquireies are all fcra fdcpa and metro 2 violations i have a federally protected right to fair and accurate reporting under fcra policy as well as 15 usc 1681 bb and 15 usc 1692 g, and fcra section 609

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