BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: Aargon Agency, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've recently noticed a alleged debt that fell into derogatory collection account by a company under the name XXXX XXXX on my credit report. I was not notified where the original debt came from, I've received no information on how to dispute such alleged debt/account nor was I the consumer, notified they reported an alleged debt/account to my credit report ( without my authorization ). Also The alleged debt has several inaccuracies so how do I even know the debt is real. The inaccuracies or as follows : XXXX stated the date the debt was opened was XX/XX/2022, where as. 
XXXX states the alleged debt was opened XX/XX/2022. 

I also never received a method of validation letter. So how do I even know if the alleged INACCURATE debt even belongs to me or is truly my debt.

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 2018-07-17
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Bayview says not on loan, have power of attorney and faxed with my name and owners name see proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: PNC Bank N.A.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had opened a dispute for {$1100.00} because I had paid for a product and service I did not receive, the first dispute was filed wrong by the pnc employee so it was denied and the second was filed properly but then they closed my account without notifying me and they closed the account with a dispute open on it, which if I walk into a branch and try to close XXXX account with a dispute open, they tell me XXXX not allowed. However how are they allowed to close my account with a negative balance while I have a dispute that has not yet been resolved open, and then They turn me into collections for said accounts negative balance. I have spoken to executive client relations and they state that the merchant who I was supposed to receive the product and service from has said that the transaction was valid however it was not which I explained to the representative and they did nothing. Of course the merchant is going to say its valid because they are covering their own XXXX, yet pnc has caused a negative impact on my credit, my bank card score, and closed my main checking account all based upon false information from a salon. I find this unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Several disputed accounts, and companies are not reaching out

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX 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  : {$2.00} XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$5800.00} XXXX XXXXXXXX XXXX : {$2.00} XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXXXXXX 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 2023-06-07
Company: Revenue Cycle Associates, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
on XX/XX/2023 my phone was called at XXXX XXXX My friend happened to be who picked up the phone, the woman on the line told she was calling for XXXX XXXX, my friend asked what the call was concerning. she stated she had to tell her the call is being recorded, then gave out my full address as if to verify who it was, my friend asked once again what was the call concerning. never once did she acknowledge that she was me or that the information was correct. she only kept asking what the call was concerning. the woman on the phone told my friend the entirety of a account information for a woman 's clinic that I supposedly have a bill for. she told her the amount ( {$1500.00} ) and what it was for. My friend who is also a Debt Collector knows the laws and started to defend me. she told the woman she violated FDCPA and HIPPA by revealing the information without confirming who she was. The woman on the phone tried to tell her that because she " Paused '' when she asked about the address, that it verified who she was and proved she was the correct person. when in fact she was not. she argued for a long while that she did in fact verify who it was because she paused. no matter what my friend said the woman kept arguing that she was me. Never once was she mini mirandized, she not only broke FDCPA but also HIPPA and REG F. My friend didnt get her name, she said she never told her she only said she was calling from Revenue Cycle Associates , but they did mention the call was recorded only after stating the address. The entire thing was extremely embarrassing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2022-12-23
Company: U.S. BANCORP
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
For the past XXXX XXXX or so, I tried to use the card at my XXXX XXXX XXXX XXXX XXXX 
They declined the card I used many times. 

I called the credit card many times. All I get is hang-ups or say it's not their card.

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 2023-01-05
Company: DISCOVER BANK
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 have loan with DISCOVER FIN SVCS. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of XXXX XXXX XXXX Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please fix the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX XXXX XXXX XXXX XXXXXXXX Date XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
There was a loan taken out in XXXX with Net Credit. On my credit report it states that there is a balance of {$1600.00} and I would like this debt removed from all XXXX major credit bureaus. Due to an extremely high interest rate/APR that I was unaware of not being able to sustain the continued payments at that rate because due to reduction of work hours due to covid XXXX pandemic. I am unemployed and unable to pay this loan. I am requesting that this debt is cleared and reflect a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Credit Karma, LLC
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Credit Karma states that I have XXXX inquiries with my XXXX & XXXX with XXXX this is incorrect - They have failed to issue a debit card replacement with my actual given name & also after some investigation they are claiming that I filed taxes with them in 2021 which is not true

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have 3 cards with Capital One ( Walmart, and 2 other Capital One Cards ). Each month when I pay on my accounts I suddenly am over the limit when I didn't even use my cards. For instance, the card payment for Walmart {$120.00}, they take all of that each month in interest and sometimes saying I am over the limit when I didn't even use my card. These suddenly increased interest rates should be unlawful and Capital One needs to pay me back and/or decrease these fees as this is ridiculous. Like stated, these rates happened suddenly. I am paying all three cards and having no balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: NJ
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/2022, I pulled my credit report that you maintain on my file; you are reporting a social security number, XXXX. This is not my social security number Please remove this information from my account you are causing me harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts that do not belong to me or were opened without my permission : XXXX XXXX XXXX  Reference # : XXXX Court : XXXX XXXX  XXXX Date Filed/Reported : XX/XX/XXXX Liability : {$0.00} XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX FXXXX XXXX XXXX  ) Account # : XXXX Balance : {$180.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$320.00} Date Opened : XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-04-25
Company: EQUIFAX, INC.
State: MO
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:
Filed a complaint with XXXX XXXX XXXX and they identified that they have no record of Inquiry you're furnishing. 


Complete number and company responds attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act XXXX and XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$260000.00}

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 2023-01-05
Company: WELLS FARGO & COMPANY
State: NJ
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:
XXXX follow up to my complaint that wasn't resolved but marked prematurely. 

this information is incorrect. 

I understand that the company has sent over information, they have not properly validated this debt they sent information verifying the item, but the inaccuracies on my credit report are still present and with FCRA laws breaks the reporting act as willingly and openly reporting inaccurately to the credit bureau 's IF they were " UNAWARE '' of the " Indirect '' letters ' who was showing the information was verified who was sending information to the credit bureaus Wells Fargo was. For example. Wells Fargo Stated my Account was CLOSED XX/XX/2017 through inaccurate reporting I have late payment in XXXX and XXXX but you can not report late payments after an account is closed. in the month of XXXX and XXXX I have duplicate " 90 day late '' which is both inaccurate and Violates FCRA, XXXX XXXX, -date reported incorrect, -Charge off listed as a collection -Payment after charge off / collection -and listing account information incorrect and not showing the full account number. - wells fargo has violated Fair debt collection practices act. - wells fargo has not given their method of verification as well.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On XXXX XX/XX/2023 I received an email from XXXX XXXX saying that TransUnion had dropped my credit score by XXXX points because of an inquiry. When I looked into who had made a credit inquiry it showed a company called " SyncB ''. I have no idea who XXXX is and I had NOT authorized ANYONE to check into my credit! 

Then I contacted TransUnion twice today and was on the telephone with the first helper for XXXX minutes before the phones didn't communicate anymore. So, I called back right away and was told by the second customer service person ( which in his case is oxymoronic ) that I needed to contact YOU to issue a report for TransUnion to even begin the dispute. 

Then after contacting YOU, I hear on the recordings that I need to contact the credit reporting agency first to have them do an inquiry ; but, TransUnion says I have to contact you people first to get a report BEFORE they will even check into things. I believe this is ridiculous in as much as I am the victim and I have to jump through more hoops to get something straightened out on my credit report instead of TransUnion simply doing their job to HELP the consumer- not pile things up for us!

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 2023-01-05
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
XX/XX/XXXX I was financed for a vehicle through Santander Bank. ( {$22000.00}. & change ). 
I left the dealer owing {$17000.00} ( monthly note {$360.00}. ) XX/XX/XXXX while inquiring to Santander I was informed balance due {$16000.00} XXXX IMMEDIATELY requested refinance through my XXXX XXXX. 
XXXX XXXX Santander stole the vehicle AFTER receiving the FULL PAYMENT. ( ( {$17000.00} ) from my XXXX XXXX in an attempt to extort an additional {$500.00} from me by telling me to take the funds to the impound lot to collect the vehicle. 
On several occasions I called Santander and asked " are you forfeiting {$17000.00}. for {$500.00}? '' the reply was yes so, I stopped payment on the {$17000.00} check from my credit XXXX. 
I no longer had the vehicle. 
XXXX XXXX I received correspondence from XXXX XXXX XXXX ( XXXX XXXX ) attorney for Santander ( enclosed ) the word that caught my eye was 'inadvertently ' no one gives a receipt without payment in full ( removed XXXX XXXX ). 

Since XX/XX/XXXX I have received at least XXXX ( XXXX ) letters from XXXX XXXX attorney for Santander. although I have met their terms, Santander has not lived up to what THEY said they would do via their legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Yes, I tried to talk with company the issue the debt. By phone and we discussed their issue, then I was sent by email a final billing statement. Over the phone she informed me of what the debt in detail. Its utility and carpet cleaning. an all comes up to XXXX {$XXXX} ) Now carpet cleaning u suppose get free cleaning once a year. Not only that I got pics of how carpet was left I carpet cleaned it and my pics shows it. 
XXXX ) My rent is XXXX $ plus utilities. Every month we go to a website that tells us how for that month. 
Example of monthly rent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ this was paid to XXXX XXXX XXXX XXXX ( not late ) During the phone call with XXXX XXXX XXXX XXXX  I said I clean carpet and I will send pics - XXXX XXXX XXXXXXXX XXXX  blocked any info I tried to send. 
They always go after credit even if you pay on time. This amount is when I moved and XXXX months after that was already excluded in rent One received one utilities statement when we moved in I was not given one show the amounts asking for.

The debt collectors XXXX  to report to creditors. If I dont owe the debt why would I talk to the debt collectors national credit system, inc . Debt collectors just want money they cant resolve issue.

So when move-in it was prorated and had to moved in the middle of the month too so I was going to send that same amount XXXX $ anything else is fraud already paid during the year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Genesis FS Card Services, 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 reviewed my Consumer Reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payment for the account : XXXX XXXX XXXXXXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation