BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-02
Company: Aargon Agency, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is AARGON AGENCY XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, AARGON AGENCY failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) AARGON AGENCY failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation AARGON AGENCY is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where AARGON AGENCY is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. AARGON AGENCY has not even tried to contact me regarding this Fraudulent collection account. Please have them  remove this collection account 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 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2022 @ XXXX I requested a copy of my credit report file XXXX. I'd like it tracked to prove if I was XXXX the right ti my credit report. On XX/XX/2022 @ XXXX requested again for my credit report via machine as of today XX/XX/XXXX still not gotten my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I voluntarily turned in the vehicle couple years ago, I do not recall the exact date, I believe it was XXXX or XX/XX/XXXX. They sold the vehicle and sent me letter stating that I still owed $ XXXX, I do not recall exact amount however they did not supply accurate information to solidify the balance they said I owe. The account was charged off, however Ally continued to report negative status to all 3 credit bureaus which in turn has crippled me from being able to purchase a home. I've been renting and being faced with the owners either going through foreclosure or deciding to sale. Leaving me to have to figure out a new place to stay in a short amount of time. I really need to purchase a home and this item on my credit is causing lenders to steer away from approving a mortgage because of XXXX XXXX XXXX XXXX XXXX. When I tried calling Ally to request that they keep it as a Charge Off and not currently report a balance with a current date, as the lender requested I do. Ally just sent me to a collection agency.

A few months ago, I received a class action law suite notice that I'm affected by due to Ally sending improper notices to the consumers with inaccurate information. One of the Settlement Benefits is Credit Bureau Reporting. Ally will request within 120 days from final judgement that the three nationwide consumer reporting companies ( XXXX, XXXX, XXXX ) " delete trade-line information on my ( the consumers ) credit report related to my activity with Ally this is the subject of this case. '' The final judgment was on XX/XX/XXXX. The 120 days verbiage is at the bottom of page 15 on the Settlement Agreement document.

I am requesting that they submit the deletion trade-line information on my 3 credit reports now oppose to processing my on the 120th day since the court order ( judgement ) specifically says " within '' 120 days after the effective date. I can attach a copy of the Class Action Notice, Settlement Agreement, and Final Judgement. Also, this information is listed on : XXXX. 

The attached documents do not have my personal information on it. If that is needed in order for them to find me, I am willing to provide information needed to resolve this problem as soon as possible. 

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 2020-04-02
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX am trying to avoid foreclosure by doing a short sale. I am working with my Realtor to XXXX XXXX to resolve this debt. I am a US Veteran and am currently unemployed. I need to do a short sale to decrease the damage on my credit and for relocation assistance. I have been unemployed for several months and have been unable to maintain my property. My property currently has damage in the interior and has not been review by M & T Bank or the Veterans Affairs ( VA ). We have been told by M & T Bank that an exterior appraisal has been done and came in at {$240000.00}. 

The appraised value of {$240000.00} is for a condo in that complex that has upgrades and in excellent condition. The appraisal that is being used is incorrect and we need to have an interior inspection completed. This current value of {$240000.00} is either a mistake or a fraud value. This situation will cause XXXX XXXX a foreclosure. It is impossible to sell this condo in its current condition at {$240000.00}. As we have told M & T bank several times there is not a buyer on earth that will ever pay {$240000.00}. We believe the current value to be {$230000.00}. We are sending a current sale in the same complex that recently closed a {$230000.00}. XXXX  XXXX was in excellent condition. Please keep in mind due to COVID-19,  were a down market, not up.

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 2021-11-12
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On the XXXX of XXXX, XXXX, I had a physician 's visit at XXXX XXXX XXXX ( Address : XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ). This doctor 's office is affiliated with Texas XXXX XXXX XXXX. I submitted my medical coverage insurance ID card to the front desk prior to being seen by XXXX XXXX. On XX/XX/XXXX, I received a voicemail from the number XXXX ( XXXX ) XXXX that stated that they were calling on behalf of the XXXX XXXX XXXX in an attempt to collect a debt. I called that number and spoke with one of the company 's representatives. She informed me that I owed an outstanding balance of {$320.00} that had been submitted to the company by Texas XXXX XXXX XXXX. Prior to this call, I had never received any bill from either Texas XXXX XXXX XXXX or XXXX XXXX XXXX. I then contacted my insurance company ( XXXX ) and was informed that I was supposed to co-pay only {$20.00} for the physician 's visit. I connected that XXXX representative to a XXXX XXXX XXXX representative, and during this interaction the XXXX representative did inform the XXXX XXXX XXXX representative that the insurance company had already paid the majority of the account and that I was supposed to pay only the remaining {$20.00}. The XXXX XXXX XXXX agent promised to look into the issue and get back to me as soon as she had an update. However, I have never received any update from her or the XXXX XXXX XXXX XXXX since that conversation. On XX/XX/XXXX, I received an update from XXXX and XXXX credit bureaus that the XXXX XXXX XXXX had submitted the debt collection to my credit reports. I submitted a dispute of this account on XXXX on XX/XX/XXXX and did include the proof that my health insurance had covered the charge in my dispute. My dispute results came back on XX/XX/XXXX with the following status " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' I submitted another dispute through XXXX and included the proof of insurance coverage benefits. The results of my dispute came back on XX/XX/XXXX with the same investigation status as the one from XXXX. Although I did submit the evidence that the account had been paid for by insurance company, these credit bureaus took no action to protect me as a consumer. The balance of {$320.00} is still on my credit report and my credit score has been significantly hurt by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Very unpleasant experience yesterday ( XX/XX/2022 ) closing out a few of our Citizens Bank accounts at the XXXX XXXX XXXX location ( branch XXXX ). What would typically take 5-10 minutes to complete this transaction took in excess of an hour ( probably even longer! ). Exacerbating matters was the fact XXXX, the Citizens teller was completely unprepared to transact this closure of our accounts hence we decided to forgo our other Citizens pending transactions and instead schedule a visit to an alternative Citizens bricks and mortar location just so long as we didnt have to deal with either XXXX and especially XXXX XXXX XXXX the branch manager. I am pretty much laid back but when I voice concern how long this transaction was taking, XXXX XXXX rudely and condesceningly suggested I take our business anywhere other than at his branch. Normally, the customer should always be right and when they simply voice displeasure to how long it takes to transact business it should never be taken personally. XXXX XXXX, the branch manager stated we should take " all '' our business to any competing bank just so long as it wouldnt be with Citizens. I am still livid and upset the way Citizens Bank treated my spouse as I was patiently waiting over a hour while this banking task dragged on and on infinitum. This was the very first time weve used Citizens at XXXX XXXX XXXX ( branch XXXX ) and rest assured I will personally never ever use XXXX XXXX XXXX or branch XXXX in the foreseeable future. I wish I had personally recorded the way my wife and I were treated as it would clearly document why this branch manager should undergo, at minimum, remedial training or even possibly replaced or terminated. I've served during war in the early 70 's, been cut open 4 times during my lifetime, and no one especially senior citizens should ever been treated in such a fashion. The last thing I need is for a ignorant rude branch manager giving me the " bum 's rush out the door '' for whatever reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Experian Information Solutions Inc.
State: IN
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:
I already have disputed the inaccurate information and not even to receive a response back. There are names that do not belong to me and inaccurate information reporting on my credit file. Is anything going to be done??

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 2022-04-14
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against XXXX XXXX XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
URGENT REQUEST FOR IMMEDIATE RELIEF : I am a XXXX in financial distress, please help me today. Thank you. XX/XX/2016 Citi Bank agreed in writing to remove an escrow account of {$600.00} from my mortgage, and I signed the Citi Escrow Removal Agreement form and faxed it, which Citi received XX/XX/2016.The bank refuses to remove the escrow account -- claiming they need to pay my taxes of {$2700.00} XX/XX/XXXX, which was not a condition of their signed Escrow Removal Agreement. My escrow account has almost {$4000.00}., more than enough ; and Citi demands I continue paying into the escrow account in my payment due on XX/XX/XXXX. The Citi Agreement had no such conditions to the escrow removal -- is acting fraudulently, and abusively. Please help me today, I am available for a press conference immediately. Thank you so much. 
Please respond immediately to me, XXXX XXXX. Ph : XXXX, email : XXXXXXXXXXXX, address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX, Cit Loan XXXX. I have complained 3-times to the Citi Customer Service Dept ( after being cut off 6 times and was cut off after waiting on hold 45 minutes ) and am the victim of deceptive business practices, fraud, breach contract, and intentional infliction of 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 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Ive made an attempt to update information on my account and several accounts were included in bankruptcy. Now, it appears that the accounts are showing as new collections and in dispute. Ive not initiated any disputes, please update with current information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Exeter Finance Corp.
State: MI
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:
This company has been a complete Nightmare. I traded in my XXXX XXXX XXXX into the XXXX Dealership for a new Vehicle XX/XX/XXXX. 

It was paid off and transferred from my name by XXXX XXXX to XXXX XXXX. Over the years I've contacted Exeter Financial about the late remarks and continued bad errors. 

The have refused to remove them. I called them to ask for the removals and they retaliated and added 2 More. Please investigate and reprimand this company for tarnishing the reputation of my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Clarity Services
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: Personal information incorrect

Complaint:
I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION. PLEASE UPDATE MY PHONE NUMBER TO : XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX. PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX. PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I WOULD LIKE MY PERSON INFORMATION UPDATED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had a student loan with XXXX XXXX. It was the worst experience I ever had with a company. They do not care about their customers at all. I have been bullied by these people before. When I was struggling to make payments I actually had someone tel me I should n't have take out a loan I could n't pay back, and question why I would take out a loan I ca n't pay pay back. but life happens and I fell on hard times like many Americans and this company did n't even offer to help me one bit. I had catch up on payments before I could do a forbearance with them. At that time my fianc was sick with XXXX and not working and my paychecks went to keeping a roof over our heads. 

One time I had someone call me for a payment during my grace period and when I told them I was driving and would do it online later ; responded by telling me she would wait for me to pull over to give her my information. I honestly have never had XXXX good experience with this company. 

Then Navient took over my loan and I thought it would be better but it was n't. It was the same bullies operating under and different name. These people call you after XXXX 7 days a week and on holidays. Like most people life happened again and I could n't afford my payments they were one {$200.00} a month. I tried to do another forbearance but the man I spoke to told me I could n't I had used them all up. In the end I somehow got rigged into paying more than my normal monthly payment to " catch up ''. 
Recently, XXXX started the process to refinance my loans and while dealing with this company a " manager '' that I spoke with literally gave me a XXXX XXXX. He was yelling at me about making payments and they told me he was going to sue to me. I could n't believe the way this guy spoke to me like I was trash, trying to better myself because they were n't helping me. They kept saying they could help but no option helped because it ended with me paymore than I could afford. I was very willing to pay them but they did n't care to offer me anything to help me make affordable payments. 

I could go on and on I have been dealing with these people for almost 10 years. 

There is even a XXXX page called I hate XXXX XXXX. How these companies have gotten away with this for so long is crazy. I have been keeping record of how they have violated the law with there calling to collect funds and things they have said. Because they probably do n't keep record of the phone calls that end up with customers in tears. 

I work for a company that works with XXXX XXXX and I would never in my right mind suggest or let someone take out a loan with Navient or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against XXXX XXXX XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2022-09-11
Company: Credit Karma, LLC
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I am a Credit Karma member and I would be sent pre-approval cards, personal loans and car reduction loans and after I applied I would be denied everytime. This was done through XXXX - XXXX, and this only lowered my credit score each time I followed Credit Karma suggestions and pre-approval offers. I continue to apply for the pre-approval credit cards, personal loans, and car reduction loans and my credit score just continue to drop and I just say for get it because at one point I had not missed or had a late payment on anything and my credit went from XXXX to XXXX. I worked hard to get my credit score to XXXX, without using any advise from Credit Karma and when I started trying to to do all the pre-approval offers that's when everything went down hill and I have been mad every since. I didn't know that I could do anything about this until I read online about FTC filing lawsuit against Credit Karma and that consumer 's could file a complaint.

Company response to consumer: Closed with explanation