BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the XXXX collection account # XXXX with XXXX, Transunion and XXXX  as a fraudulent account. All bureaus except XXXX have removed this fraudulent account from my credit report and XXXX  has never replied to any of my multiple disputes. 

I also disputed the XXXX XXXX collection account # XXXX with XXXX, Transunion and XXXX  as a fraudulent account and neither bureau has removed this fraudulent account from my credit report or replied to any of my multiple disputes. 

My disputes included a dispute letter to each credit bureau, Police Identity Theft Report, Notarized Fraud Affidavit, social security card, drivers license and 2 proofs of address.

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 2019-06-26
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a XXXX XXXX, and my client applied for a refinance of their primary residence on XX/XX/19. Borrower 's fico score is in the 660s and loan amount is {$130000.00}. The loan type is a Conventional Cash out Refinance of a primary Single family residence. Due to the fico score of the client and the loan size and refinance type the LLPAs on the rate are high compared to the average client with a higher fico score nationwide. 

Upon registering the file with the lender we were notified by the lender that the loan was failing the QM safe harbor test with regards to the APR being over the APOR by 1.5 percentage points. We adjusted the rate down with the borrower paying discount points to accomplish this. The rate was locked at this time. 

A month later we were notified that the APOR had decreased per the weekly publishing and the loan therefore had another safe harbor issue since the rates are decreasing rapidly. The problem is that the client was locked in a month earlier at higher rates. Now my client 's APR is being compared to the more recent lower APOR and has to pay more discount points to lower their rate more which is harming the client and making it nearly impossible for their loan to close. 

The Lender stated that they received the interpretation from the CFPB that the term " as of the date the interest rate is set '' from your publication means that every time a change happens to the loan ( i.e. loan amount changes, interest rate changes, ltv changes, etc. ) that the lender has to compare the APR on the file to the new available weekly APOR. This makes absolutely no sense and is harming consumers. How can a loan 's APR with an older Lock be compared to new rates ( APOR ) that have decreased. I have had 3 clients with this same issue in the past 30 days. 

I have reached out to all of my contacts at the lender and they are trying to find a work around, but nonetheless the CFPB needs to make it clear what they expect pertaining to what APOR to compare the APR to. A clearer definition of " at the time when the interest rate on a mortgage is set '' is needed. See section 4.3 What Makes a QM loan Higher -Priced 1026.43 ( b ) ( 4 ). 

Please advise whether the lender should be comparing the new weekly APOR to the APR on the file when the rate was locked several weeks prior or whether regardless of any changes to the loan the current APR on the file should be compared to the APOR from the week the rate was originally locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: ALLY FINANCIAL 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 have been a victim of fraud I see several inquires on my credit report in which I did not provide my 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 2022-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
I filed for Bankruptcy in XX/XX/2019. In the middle of that, I was in an active Lemon Law claim with XXXX for an XXXX truck we had financed with Capital One Auto Financing. Due to the active lemon law claim, I decided to reaffirm the loan on the truck. I filed all the proper paperwork for my loan to be reaffirmed and it was successful when my bankruptcy was closed in XX/XX/2019. 

I have email proof from my attorney that indicates we reaffirmed this loan. I also have a document from XXXX that indicates that the XXXX XXXX was given back to them and the loan was paid in full by them under the lemon law. Capital One is incorrectly and negatively reporting this loan when it was paid in full, on time, as it was supposed to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Multiple attempts to request action to prove and or remove delinquency to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Investigation took more than 30 days

Complaint:
Multiple attempts to request action to prove and or remove delinquency to no avail

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 2017-11-06
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A few months ago I realized I was the victim of Identity Theft and some credit accounts were opened in my name unlawfully and charges were made unknowingly to me. I discovered the theft from viewing my credit reports from all 3 bureaus. I froze all of my credit files, completed an ID Theft Affidavit with the FTC, obtained a police report from my city, sent Affidavits of denial and ID Theft to all creditors and collection agencirs that contacted me trying to obtain money from this clearly fraudulent account. These collection agencies continue to try and collect from me and not remove these items from my credit reports. The collection company is Midland Funding and their acct number is XXXX, also is XXXX XXXX XXXX XXXX and their collection company XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: NY
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: MI
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 # 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 XXXX XXXX XXXX XXXXXXXX

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 2021-10-21
Company: Experian Information Solutions Inc.
State: FL
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: Other problem getting your report or credit score

Complaint:
Im not producing a score, and I added a couple of tradeline on my report, and I added these trade lines a couple of months ago

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 2017-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
We are in a XXXX XXXX XXXX designated area ( XXXX XXXX XXXX , FL vicinity ). 

We applied for and were granted a deferred minimum payment grace period on our Bank of America credit card ending in XXXX. 

We have not received any payment deferment as of today ( Sunday, XXXX XXXX, XXXX ). When we call Bank of America XXXX XXXX at XXXX the Bank of America representative is not able to help us resolve the issue for deferred minimum payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022, I received a phone call from someone using the Wells Fargo customer service number ( XXXX ) claiming they had detected an unusual payment being made using the XXXX service. I told him it was not me and to decline. He than proceeded under the guise of a Wells Fargo agent, to have me transfer money into what I thought was a new account to avoid any future fraud. Little did I know that he had me transfer {$5000.00} into an entirely different account via wire transfer into a XXXX account. By the time I realized what he was doing, he hung up on me. Within the next few minutes, {$1100.00} more was transferred out of my checking account. Now Wells Fargo is telling me that they cant get the money back from XXXX, and that theres nothing else they can do. I never received any fraud alerts from Wells Fargo for these two transfers. I have never used the wire transfer service for anything in the 20 years I have been a Wells Fargo customer. Nor have I ever sent that much money to another banking institution. And not one phone call, text, or alert from Wells Fargo. Now theyre telling me that theyre just going to leave me high and dry with my savings wiped out and {$1100.00} fraudulently taken out of my checking account

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 2017-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
the credit bureaus are required to have a copy of my signed agreement/contract in their procession. When report accounts to my credit file. Based on FCRA SECTION 609. The  bureaus don not have the required documents as set by law, to report. The reporting violations carry a of {$1000.00} per violation and also additional damages. the account have been reported and the credit bureaus, have been harmed me, by not validating the debts and not having the required, documentation, before report and to this date. The documents are not in their procession. The following accounts have been reported in violation : 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 {$210000.00} balance.

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 2022-02-10
Company: Berlin-Wheeler, Inc. (Kansas)
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Re sending a complaint, the debt buy didn't give me a notice of debt or the right to validate debt before placing on credit report violation of FDCA, also I don't have a contract with this debt buyer to buy any debt on my behalf violation of USC codes. Contract laws.

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 2022-03-09
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account # 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.

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 2017-12-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I had home owners insurance with XXXX XXXX ; however, I decided to change to XXXX. I had home owners insurance with XXXX ins. until XXXX or XXXX of XXXX. I switched to XXXX in XXXX, XXXX. Wells Fargo place home owners insurance on my house at a cost of {$1800.00} a year -- -saying that I had no homeowners insurance. I called Wells Fargo, the customer service person told me to go the their website and up-load the insurance binder to them and everything will be fine. I did upload this to the website provided and thought everything was ok. Unfortunately, I receive another letter from Wells Fargo stating that they have actually purchased the insurance through Wells Fargo. At this point, I called XXXX and explained the situation, XXXX called Wells Fargo and sent them the insurance binder to the address that was given to them by Wells Fargo. I though everything was okay, but on XXXX XXXX, XXXX, I received another letter from Wells Fargo that they said that I broke an agreement to keep insurance on the house. I called XXXX to make sure that I still had insurance on the house, they said everything was fine, that I did in fact have home owners insurance until 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 monetary relief
Consumer complaint received 2021-10-21
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX I relieved notice I was being sued by LVNV Funding. I responded to the suit and send a debt animation request certified mail. I requested verification and proof of the debt. The case was withdrawn ( I'm assuming because they could not provide valid proof I owed the debt ). They also never provided me with any proof I owed the debt. Just an amount and a name of a credit card company. No contract. No signed documents. No account ledger. They have failed to provide proof of this debt and refuse to remove from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Santander Consumer USA Holdings Inc.
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
You also agree to allow SC to request a refund of any credit insurance, life insurance, GAP coverage and/or service/warranty contract ( s ) that were financedunder your contract or loan and apply any and all refunds to the remaining balance dueon your account after the payment made by you of the Settlement Amount. Payment of the Settlement Amount must be received by one of the acceptable methods of payment set forth above and by. The settlement may have tax implications. Please consult a tax advisor to determine the impact on your specific tax situation.If you have any questions, please contact the Loss Recovery Department at XXXX. Our Customer Service Business Hours are as follows : Monday through Friday XXXX XXXX, Saturday XXXX XXXX.Sincerely, Santander Consumer USA XXXX.Loss Recovery DepartmentXX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a fraud alert removal, however this alert is still listed on my credit file. Please remove this fraud alert from my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Back & forth miscommunication is still happening to-date with Chase Wire Team & Chase in general. No one at Chase has ever told me via phone, e-mail or Chase Secure Messaging that any of my wired funds were " no longer available, '' and the XXXX XXXX XXXX attempt regarding XXXX XXXX  still have no updates on how to move forward or if any new communication has been found ; No Hold Harmless Letter has been requested to my knowledge which is the only transaction that's still in limbo at XXXX XXXX  for {$5600.00} USD. 

After my own investigation, XXXX XXXX  notified me themselves that a Hold Harmless Letter was needed from me to process the international funds yet Chase never informed me of this, yet two Hold Harmless Letters were notarized & sent via Chase Banker to XXXX XXXX  on XXXX ; XXXX XXXX  notified me that they've told XXXX that a HH Letter was needed. What's the status of receiving my two  HH letters at XXXX XXXX  for {$6000.00} & {$4200.00} USD? Chase still can't give me any answers & I've been trying to get answers not only from Chase Secure Messaging ( all messages saved ), as well as e-mailing & calling the Chase Executive Team and e-mailing XXXX per instructions from Chase for XXXX XXXX XXXX XXXX updates. No updates have been given to me still to-date! 

One notarized Hold Harmless Letter was sent to XXXX  XXXX XXXX on XXXX via Chase Banker as requested by XXXX  XXXX XXXX for {$3400.00} USD. Still to-date, XXXX  XXXX XXXX is responding to me directly from their Secure Messaging, stating that a Higher Up or VP at Chase needs to sign off on my HH Letter. Chase has also told me over the phone that I would need to forward my Hold Harmless Letter to XXXX  XXXX XXXX a second time, in which I've done so to their HH Mitigation Team, yet XXXX  XXXX XXXX is telling me that it needs to come directly from Chase & that I was misinformed by Chase. What's the status - has XXXX  XXXX XXXX received my first HH letter sent directly from Chase for processing? 

XXXX XXXX  responded via CFPB complaint that " Debit Authorization was needed from their client - unauthorized third-party '' regarding the stolen {$2600.00} USD & would need authorization from me to move forward with processing Chase 's Swift Wire Recall. A notarized Hold Harmless Letter was sent to XXXX XXXX  via Chase Banker on XXXX - what is the status of this transaction & receipt of my Hold Harmless Letter being accepted?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: Ridge & Valley Realty, Inc.
State: CO
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:
We actually have 2 accounts with this company since the largest is medical I am filing this under medical. I will file the other one on its own. The doctor office changed the insurance on 3 of our 4 family members. It overlooked doing so on my daughter. When we discovered the issue. We provided the current medical information multiple times, but it was never fixed. This in part was caused by me having a XXXX and struggling to communicate, but I did give them the new card. 

The bill was refereed to XXXX XXXX XXXX in Colorado XXXX CO. Here is their contact information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX. The insurance company offered to pay us if we paid the contracted amount due to the medical provider. XXXX XXXX XXXX rejected this idea wanting the higher amount due uninsured people rather than those covered by public assistance as our children are since they receive Social Security survivor benefits as well as private insurance. They also where demanding interest on the higher amount. In effect, they where seeking extra profit they where not legally entitled to receive. 

Instead of negotiating in good faith they choose to serve my Dad with legal papers informing him of the debt, that they where suing us, and revealing confidential medical information about our daughter. They would appear to have violated the Fair Credit Act and HIPPA in providing these written documents to my father. They had previously threatened to sue me personally but serving my father with documents related to a suite against my wife is outrageous. They informed the court they served me, but my time cards show I was at work at the time. They clearly served my dad.

Company response to consumer: Closed with explanation