BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: Aargon Agency, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Aargon account # XXXX Received Letter from Aargon dated XX/XX/XXXX Creditor Name XXXX XXXX XXXX - XXXX Creditor account # XXXX Emailed request to debt validation on XX/XX/XXXX and stated I do not agree that this balance is mine. No response. 
I emailed again to the XX/XX/XXXX with a policy report number. A police report was filed because I believe to be a victim of identity theft and this collection is not mine. I also included a copy of my FTCIdenitfy theft Report. Account number XXXX which states in accordance with the Fair Debt Collection Practice Act, I am asking you to immediately stop all collections activities about this debt, including reports to the credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft.

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 2022-08-22
Company: Experian Information Solutions Inc.
State: FL
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 account number # XXXX and XXXX  XXXX, Medical debt XXXX XXXX  XXXX violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights 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.

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 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 account number # XXXX and XXXX  XXXX, Medical debt XXXX XXXX  XXXX violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights 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.

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 2022-08-22
Company: Experian Information Solutions Inc.
State: CT
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:
My XXXXXXXX XXXX  account is being reported 30 days late when its not.

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 2022-06-08
Company: ACIMA CREDIT, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2022. Someone went into XXXX XXXX in XXXX XXXX CA. They opened another account in my name. Now I'm stuck trying to pay off the merchandise I never received or applied for. This company Acima everyone complains about. Also I heard some of their employees took people 's identity and used it. I'm just trying to figure out a way to pay them back so that it's doesnt go against my name or credit.. I'm already financially strapped for cash. So if there is a way for this to be resolved I'm willing to work with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, 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: 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Experian Information Solutions Inc.
State: FL
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 am writing to formally dispute and request the immediate removal of an account listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) and specifically referencing 15 U.S.C. 1681s-2 and 15 U.S.C. 1681e ( b ), I believe that the presence of this account on my credit report is inaccurate and is causing significant harm to my creditworthiness. I would like to bring to your attention the fact that the Internal Revenue Service ( IRS ) considers a charge-off as taxable income. As such, this inclusion on my credit report is both misleading and inaccurate, as income is not supposed to be reflected in a consumer 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 2023-07-18
Company: Experian Information Solutions Inc.
State: AL
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2022 I had signed up for autopay with M & T bank after receiving a popup urging me to do so. After doing so, the option to make a manual monthly payment had gone away, so I searched the page to make sure that my payment would still get drafted on time. I Received a letter from M & T about a month and a half later stating that my payments had not been made, and immediately made the payments. ( Including the incurred late fees ) By this time XXXX payments should have been automatically drafted. Today, XX/XX/2022 I reached out to M & T bank because I noticed that it had affected my XXXX XXXX severely. They had admitted that the Autopay was not working as it should have. I had let them know that my credit should not be affected by their faulty system. I had already payed the late fees, and had not asked to be reimbursed for them, just for my credit to be fixed. They stated that they had sent a uncertified letter stating the date that the autopay would take effect, and so they will not help me by fixing the credit reporting despite the fact that I had never received the letter in the mail, and even if I had, it still wouldn't change the fact that this was caused by a faulty system, However the banker I was speaking to stonewalled me and just continued stating that they were not going to help me. I have never been late on a payment for this or any of my other loans, and I feel like the only reason that they don't want to assist me with this is that they can not be bothered to clean up their own mess. This is the second time that I have gone through an issue like this. The last time They had dropped my insurance payments from my escrow without letting me know, which led to my homeowners policy being cancelled.

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 2023-07-18
Company: Experian Information Solutions Inc.
State: IL
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:
While reviewing an updated copy of my credit report, I discovered that these inquiries are reported. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: Santander Consumer USA Holdings Inc.
State: CA
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 went to the dealership for a new car and I picked out a XXXX. They told me they would run my credit under XXXX lenders only. Days later I saw a million inquiries I didnt approve of. They lied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 2023-07-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my one of my numerous 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
cant pay my bills, any of them ... other companies are considerate not this one, {$4000.00}. pay it or .... one gentleman was so inconsiderate, and just plain rude... his name was XXXX.it was about 3-6 months ago. i have rights.. This company is worth billions and billions and they want the above aforemention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I went into XXXX XXXX  to have XXXX XXXXut on rims that i purchased for my new XXXX XXXX that already had tires and rims. Before he even puts the rims on that i purchased from XXXX he charges me {$130.00}. Than he comes back and says we broke one of your sensors so we have to charge you to put new ones and. How is that my fault? As long as you put XXXX sensors in fine he said yes turns out he put {$12.00} XXXX aftermarket sensors in my car that wont read my tires so i have to ride around with a safety message on and no tire message. He than says i have tires on sale that are {$50.00} per tire so it will only cost you XXXX plus the cost of the sensors and i will give you a credit for your current tires and rims. I have two sets of rims the ones that came on my car and the ones I purchased on XXXX so i didnt need the rims. He ended up charging me {$600.00} i didnt understand why he didnt have any receipt paper. The shop was already closed. Got in the car its driving weird the tires are stable and they are really loud he didnt put on the correct tires. Came back the next day to return the tires i asked him why did he lie and why did he steal my spare tire and why did he put the wrong tires on. He said it was late and his guy made a mistake and that he would issue me a refund and charge me for the correct tires. He advised me that they would be 20 inch tires. He never issued me the refund instead he charges me {$430.00} for once again the wrong tire size. I asked him for my tires back he told me know that he can make more money from my new tires and rims than what I have. The police got involved because he refused to return my vehicle. He charged my credit card for two sets of tires and two sets of rims a car can only have one pair of tires and rims. I have tried everything to get discover to issue me a refund due to the deception, the damage to the product and fraudulently misrepresenting prices and giving me the incorrect product i didnt get what I paid for. I was charged multiple times for the same thing. This is theft.This company is shady and a police report was filed. They have {$1100.00} of my money, my brand new tires and rims while i have a damaged vehicle with mix and match tires with faulty sensors. Under the fair credit act discover should have refunded the funds to my account but they are refusing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-08
Company: EQUIFAX, INC.
State: OR
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 noticed I have had several credit reports brand with my information by email that I did not sign up for or did I did not apply with my information. I have also received emails from XXXX and XXXX stating I have ordered products in my name which I have not bought nor do they reflect on my accounts nor did I authorize them. I have reported spoofing emails to XXXX and XXXX and I am trying to get these credit reports off of my personal credit. My identity was stolen last XXXX XXXX weekend in XXXX Oregon which I also followed a police report with them. I also have a business which my business information was also stolen with my ID social security card and bank card and credit cards which were reported in the police report. I continue to receive suspicious emails and credit reporting that my credit has been ran which I have not done or authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: NJ
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:
In XX/XX/2023 Someone tried to open a credit cared in my name under a XXXX XXXX fraudulently. i noticed on my credit report and in XXXX i called all threee credit bureaus.They didnt want to help me and remove the hard inquiry as i kindly requested. I dont even know what this bank is.i immediatly put a credit freeze and alerts on all of my accounts to prevent any further fraudulent attempts to run credit cards in my name.Please remove this hard inquiry from XXXX XXXX  in XX/XX/2023 from all three credit reporting agencied due to fraudulent activities.

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 2022-08-22
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am submitting this on behalf of my mom ( XXXX XXXX XXXX widower living alone ) who was scammed. A person over the phone indicated that XXXX was looking at her bank account and that moving money out and back in would help. He had her download XXXX XXXX XXXX on her iphone. With this, he gained access to her XXXX XXXX XXXX and performed a {$490.00} XXXX and {$1000.00} XXXX transaction to a XXXX XXXX ( probably a fake name ). My mother does not even know what XXXX is and it appears that she did not use that app, but it happened through her XXXX XXXX XXXX while the person was controlling her iphone using XXXX. I am hoping that submitting this will help with XXXX 's investigation and recovery of her funds. He also had my mom create a new gmail account and get the XXXX app, and a crypto XXXX  app, and had her wire $ XXXX into the XXXX app. Luckily, I was able to use my mom 's phone to change the passwords for both. The $ XXXX went into the XXXX  app and i was able to transfer it back to XXXX so that is not an issue. We made a police report, an FBI report, made new bank accounts, froze credit, etc. They had access to everything - even social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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