BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: Aargon Agency, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I emailed Aargon Agency at XXXX requesting a debt validation notice since they sent the original collection notice to an address I no longer live. I have attached the email for your review. I sent the email with the debt validation request on XX/XX/2022 and I have received no response from Aargon Agency. Aargon Agency failed to response to my debt validation request in which they had 30 days to respond or the debt must be removed from my credit report. Their email address is validated and listed on their website. 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 explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-11
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:
I need to get this issue resolved asap! I need them to read the letter that was sent and to note that XXXX phone number XXXX is no longer in service so there is no way we can call them direct to get it fixed. These credit reporting agencies are reporting and claiming to verify these accounts through a closed company. These accounts have a XXXX balance as shown by the Department of Education and XXXX wo is the servicers of the student accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I inherited a house when my father died. I was not aware that there was a small home equity loan with Bank of America. I was not contacted for 3 years regarding this loan despite BOA having all of my information as the beneficiary of my fathers trust. When I was finally contacted the house was in foreclosure. I tried to pay the loan right away. I have diligently been trying to pay this loan for the last year. I have run into one roadblock after another from Bank of America. Most of these have been as a result of BOA not providing accurate information to me or by BOA mailing information to the wrong address even though each and every phone call begins with me confirming my address. I have gone to the bank 3 times to wire the money and each time the information I was given was incorrect and I was not able to wire the money. In the time I have been working on this the amount I owe has increased by {$4000.00} in fees and interest. I believe they are delaying this to get more money from me. I have stacks of documentation as proof and there are hundreds of recorded phone calls initiated by me attempting to pay this bill. I have even contacted the local BOA branch and was told I can not pay the money there. I am asking for assistance in getting the added fees and interest removed and in settling this debt be me paying 80 % in a lump sum. I offered to pay 80 % of the loa as a settlement in a letter but BOA put up road blocks by requiring more and more information from me and offering no assistance in making a settlement. I have been in contact with the borrower assistance team at the law offices that BOA hired, most recently today, and have requested the reinstatement amount and information regarding where to wire the money, but the response continues to be that as soon as they have the information it will be mailed to me. Each day that this is delayed is costing me more money and that does not seem fair as the delays are not on my end. I do not know where to go from here and am asking for any help available. 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 explanation
Consumer complaint received 2023-03-15
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX Date opened : XX/XX/XXXX Balance {$2900.00} ; XXXX XXXX XXXX Dateopened : XX/XX/XXXX Balance {$1000.00} ; XXXX XXXX XXXX Date opened : XXXX XXXX Balance {$24000.00}.

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 explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: MD
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 used to have a store card with XXXX 's that was turned over to a company called XXXX XXXX a collection agency. That account with XXXX XXXX XXXX, was sold to an Attorney 's office called XXXX, XXXX, & XXXX on Maryland. I paid of the balance owed to XXXX XXXX and have furnished the payoff to Equifax. Equifax continues to report the XXXX XXXX account as derogatory on my credit report and continues to reflect a credit score ( Equifax 616 ), way below the other two credit reporting agencies ( XXXX 717 ), and XXXX ( 654 ). I filed a complaint in XX/XX/XXXX, furnishing them with the final payoff letter with XXXX, XXXX, and XXXX. After their investigation they still refused to take the XXXX XXXX account off my credit report. I approached the XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX furnishing them with all the documentation. The XXXX XXXX XXXX closed my file without getting to the bottom of the matter in XX/XX/XXXX. Today XX/XX/XXXX I refiled with the XXXX XXXX XXXX XXXX XXXX with the additional documentation of the final payoff letter from XXXX XXXX. The XXXX XXXX XXXX swiftly responded stating that I was filing a duplicate complaint, and closed my file again. Today 's complaint number with XXXX XXXX was XXXX. I have tried to upload the new letter on the Equifax website and I am unable to. I feel I am just running around in circles about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$7300.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance {$2500.00} ; XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance {$25000.00} ; XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance {$9400.00}.

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 explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: IN
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:
So I sent a letter off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ive Mailed in numerous dispute letters letting the Experian bureau know the inaccuracy of my report. They updated my account to verified status for these two collections accounts. I requested method of verification and they never sent me anything telling me how they verified XXXX XXXX Account number and XXXX XXXX Its been almost three months now and still no method of verification for these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Incomm Holdings Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Received Vanilla brand Visa gift card for {$100.00}. Digits are missing from the card. Contacted company on XX/XX/23 and was informed a new card would be issued within 7-10 days. Given case number XXXX. As of XX/XX/23 no update to case. Several emails have been sent and ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Need to be deleted from my credit report. 
Are fraud and should not be showing on my credit report I was XXXX  in XXXX XXXX during these accounts. The CRA XXXX, EXPERIAN, XXXX has continued to violate the following FCRA laws that state the following 15 USC 1681 9D ) ( 2 ) ( A ) ( I ) States that a transaction between the consumer and the person making the report should be excluded from your credit report 15 USC 1681 2 ( 7 ) ( E ) states that nothing under the FCRA requires a financial institution to furnish negative information to a consumer reporting agency. and is required to furnish accurate information. 
The following XXXX XXXX accounts shows dates XX/XX/XXXX on XXXX and on Experian and XXXX showing XX/XX/XXXX as dates opened inaccurate information. Date last reported XX/XX/XXXX XXXX, Experian and on XXXX showing XX/XX/XXXX. 
These accounts are FRUAD and need to be removed 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 2023-03-15
Company: WELLS FARGO & COMPANY
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: Reporting company used your report improperly

Complaint:
I need late payments removed 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 explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: MO
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:
Dear Agency, I am writing to complain about the incorrect addresses listed on my credit report. According to my credit report, there are several addresses that do not belong to me and have never been associated with my name. These are the INCORRECT addresses : XXXX XXXX XXXX XXXX XXXX 
XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO As you are aware, incorrect information on a credit report can negatively impact an individual 's credit score and their ability to obtain credit. In addition, it is a violation of the Fair Credit Reporting Act ( FCRA ) to report inaccurate information on a consumer 's credit report. 

I have attached a copy of my credit report for your reference, which clearly shows the incorrect addresses. I would appreciate it if you could take immediate action to rectify this situation. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please delete the following accounts immediately. 

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 2023-03-15
Company: Genesis FS Card Services, Inc.
State: WY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for the Destiny XXXX, issued by XXXX XXXX XXXX, Member FDIC, and serviced by Genesis FS Card Services , Inc . They performed an inquiry on my XXXX Credit report on XX/XX/2023. I never heard back from them, neither with an approval or denial, and never received any letter indicating adverse action. Its been over a month since today is XX/XX/2023. I attempted to call their customer service to get a status about 4 days ago and the representative stated the application is pending. The representative gave me another toll-free number to call for a status and that number turned to to be for a completely different card thats a XXXX XXXX secured credit card, which I never applied for, that is issued by a completely different company, XXXX XXXX XXXX XXXX, XXXX Isnt XXXX issuer of the Destiny Card required to send an adverse action letter if they are denying my application for the card?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Source Receivables Management LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  receivable management along with XXXX is trying to get a debt paid from stolen merchandise I dont have a police report for the XXXX  XXXX phone because it was an inside job with a dishonest XXXX  worker XXXX  receivable management should speak with the company who sold them the debt and provide me with Proof that I did or didnt receive the rebate for the phone to pay XXXX XXXX  which I did not. XXXX receivable also has a non working email address for XXXX XXXX fraud dispute so the letter that was sent was made by XXXX  receivable management in an attempt to bully me into paying the debt and NOT doing its due diligence in finding out if the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Back in XX/XX/XXXX I made a complaint to Capital One Bank about possible fraud on my account so they recommended I open a new one and leave the old account alone so I opened a new account. The old account remained opened but it was locked. 

When I tried calling again they asked for all my identity information including full social security number, birthdate and even had me upload my ID. They did not give me access to my account because they believed I was a female and not a male and could not believe my name was XXXX being a man. I wanted to close it but was unable. They said in order to do this I had to go into the branch and prove who I was. Mind you, I opened the account when I lived in XXXX back in XXXX and I now live 6 hours away in XXXX, New York. There are no capital one branches in XXXX, New York. I decided not to fight and I left it alone. 

Fast forward to today Tuesday XX/XX/XXXX. I accidentally transferred {$50.00} my last {$50.00} into. The locked account. I decided to call them immediately and try to access the account so I can move that money into my newer checking account. I needed the money to get my wifes XXXX for XXXX as she is XXXX. I explained the situation all over again gave my Social Security number, my ID and all my identifying information. The man on the phone denied me. I asked for the manager of him. The manager was a female, she looked at my history and didnt understand why they wouldnt let me in the account if I had given my Social Security number, and upload my ID for verification and felt with humiliation and wasted time. She admitted to me that they thought that XXXX was supposed to be a female because my name even tho I sent in a clear picture of my ID clearly display im a male. 

I feel like because of my ethnic name. I was humiliated throughout this process and not given access to my account on several occasions. It took me three phone calls of humiliation and each call was over 30 minutes. I feel like I was treated very poorly and wish for something to be done in my favor. All interactions took place on their recorded lines so transcripts are available from all interactions. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation