BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-11
Company: WELLS FARGO & COMPANY
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
An individual called from ( XXXX ) XXXX stating they represent XXXX. The person stated in a voicemail that I need to call XXXX with reference number XXXX. When I called the number provided, an individual answered stating that XXXX XXXX was filing action against me instead of wage garnishment for the amount of money owed from checking account. ( {$850.00} plus - can not recall exact amount ) I advised the representative that I do not owe any money to XXXX XXXX because I had closed the account in good standing. I attempted to contact the bank concerning the matter and they could not provide proof of the debt. XXXX XXXX merged with Wells Fargo in XX/XX/2008. I called Wells Fargo recently and the representative advised that Wells Fargo was not filing suit against me. The representative did not have information of the company claiming to file suit. They were trying to persuade me to pay the amount over the phone or XXXX would file suit against me ( jail ). They informed me that if I was disputing the matter, I would have to take action in court when my court papers arrived at my place of residency. I advised the individual that I would see them in court, because I am not about to pay without proof of the debt. 

I called the company back later and was informed the name of the company is 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 2020-05-14
Company: EQUIFAX, INC.
State: MA
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:
I have made several requests to obtain a copy of my Equifax credit report. I did receive the other two reports, but Equifax has after one month still not forwarded a free report after several requests. I still need my free annual credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 

ACCOUNTS XXXX. XXXX XXXX XXXX Account # XXXX Balance {$430.00} Date XX/XX/XXXX XXXX. XXXX XXXX Account # XXXX XXXX {$220.00} Date XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX {$810.00} Date XX/XX/XXXX XXXX. XXXX  XXXX XXXX Accounts # XXXX XXXX {$0.00} Date XX/XX/XXXX XXXX. XXXX XXXX  XXXX Account # XXXX XXXX {$8900.00} Date XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # XXXX Balance {$760.00} Date XX/XX/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 2020-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
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:
Our family was impacted by COVID-19 and forbearance was requested on our mortgage and auto loans and agreed to by our loan servicers. We did not miss any payments and all loans shows in good standing and paid as agreed. Despite this, XXXX  and XXXX  immediately dropped my credit score substantially while XXXX did not. This appears related to reporting by Bank of America on our auto loan. I submitted a dispute with XXXX  on XX/XX/20, but this did not appear to resolve it per the dispute outcome notification I received on XX/XX/20. My understanding of federal legislation from the CARES act was that requesting and receiving forbearance during this time would not result in negative credit reporting. As our situation has improved, we no longer need forbearance and are resuming normal payments. Our family will soon be looking at refinance options for our home and the drop in credit score impacts our options as well as rates available to us. I don't believe my credit score should have been negatively impacted by this.

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 2021-04-30
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX we purchased an apartment in XXXX XXXX, NJ and obtained a refinance loan primarily for renovations. At that time Wells Fargo provided an appraisal of {$330000.00}. At the time the appraisal seemed very low and there were multiple material discrepancies in the appraisal report itself. We disputed the appraisal but Wells Fargo sided with the appraiser. 
In XXXX of XXXX, given the very low interest rates, we decided to refinance from a 30 year mortgage to a 20 year mortgage. Again, the Wells Fargo appraiser visited our residence and returned with an appraisal that was well below the appraisal from XXXX ( prior to all the renovations being completed ) of {$260000.00}. We disputed this appraisal, and it was adjusted to above the original appraisal from XXXX to {$350000.00}. We remained unsatisfied as apartments of this quality sell for much more in this immediate area. As with the appraisal in XXXX we thought that perhaps there was some bias in that this is a XXXX  household, especially given the lack of explanation from Wells Fargo. Because we disputed this second amount with a claim of bias this was 'escalated ' to Wells Fargo 's executive offices for redress. We were contacted by the office and a 3rd appraisal was scheduled. Again, the appraiser visited our residence and returned his appraisal ... this time below the adjusted amount of the original XXXX appraisal and BELOW the XXXX appraisal DESPITE THE FACT THAT THE APPRAISER NOTED IN HIS REPORT THAT PRICES OF APARTMENTS IN THE BUILDING AND THE AREA HAVE REMAINED STABLE AND INCREASED. The last appraisal was {$320000.00}. 
We asked how, within a space of less than three weeks can a value go from {$260000.00} to {$350000.00} then to {$320000.00} ... the representative stated that " appraised values are simply the opinions of the appraisers '' We have had contact with the executive office at Wells Fargo but they 'stand behind ' all their appraisers and their reports. The agent at Wells Fargo stated " appraised values are opinions of the individual appraiser '' lending credence to the likelihood that this is same-sex discrimination. The written correspondence from Wells Fargo intentionally omits several material facts and when asked why, the representative said he didn't think these material facts were relevant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: EQUIFAX, INC.
State: NV
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:
XXXX XXXX is reporting on my credit that is not mine, im requesting a verification of this debt I so call owe, which I am entighteled to under the fair credit reporting act in writing within 5 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-14
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XX/XX/2020 I received a Debit Visa from US Bank Cardholder Services, XXXX XXXX XXXX, XXXX, IN XXXX. The paperwork that was included with the card provides a fee schedule for the Colorado Department of Labor and Employment and a pamphlet stating U.S. Bank ReliaCard Your reliable choice to receive your government disbursements. I am not unemployed and have not applied for these benefits. 

I have attempted to contact their Cardholder Services, but they are not available until Monday, EST. 

Please investigate this as fraud and provide a response to my inquiry.

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 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXXXXXX XXXX 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.

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 2021-04-05
Company: Voss & Klein, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I pulled My credit report and saw and account VOSS & KLEIN, I sent them a letter disputing the account requesting documentation showing that this Item belong to me. They sent me a letter show a paid invoice with a credit card that I never owned, an email I never used and a signature that do not matched.

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 2020-08-24
Company: Arivo Acceptance, LLC
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:
XX/XX/18 i purchased a Used XXXX XXXX from XXXX XXXX for {$19000.00} with a total Finance amount of {$23000.00} with Arivo Acceptance. 11 months into the 72 month contact, i lost my job and my father at the same time. I could not afford this vehicle anymore. I called them and explained, they offered absolutely no solution. I stopped driving the vehicle and requested they pick it up. It sold in auction for {$12000.00} and i had paid them {$5200.00} in payments. The won a civil suit and garnished my check. Taking another {$4300.00} in a matter of a few paychecks. This pushed me to the brink of becoming homeless. I did what i could to get them to stop the garnishment by making an agreement. With COVID, i was unable to meet that agreement and now they have garnished my check again. This could cause me and my family to live on the street. I guess my question is ... .how can any company force  someone to pay {$32000.00} for a vehicle that had a principal balance of {$23000.00}?? I would be in my XXXX month of a 72 month contract as of today. They have no desire to work anything out fairly and i am a victim of contractual law. I have all the documentation and facts to support everything i have written. I take accountability but there were circumstances that caused this to happen. But the reality is, if the contract was still valid, I would have around {$1500.00} left to pay on the principal balance and not even halfway through the contractual term of 72 months!!! Instead, my paychecks are being garnished, crippling my family in a pandemic for an additional {$9000.00} dollars. This is wrong and if it is allowed, i will make it my life goal to make sure this story becomes public knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response as of yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states failure to investigate items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-08-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX, I used my Chase Ultimate Rewards points to book a flight on XXXX XXXX from XXXX to XXXX with a stopover in XXXX XXXX scheduled to depart on XX/XX/XXXX. On XX/XX/XXXX I discovered that the flight had been cancelled. I contacted Chase Ultimate Rewards to refund my points so that I can make alternative arrangements. Chase Ultimate Rewards has refused to refund the points claiming that " it is up to the airline '' however US DOT rules require airlines to refund passengers for cancelled flights, and as the issuing agent Chase is also responsible to refund the points. Chase reached out to me again in XXXX by email notifying me that the flight had been cancelled and asking if I wanted to get a refund or boo an alternative flight ( although no flight to XXXX   is/was available ) I requested a refund. However, when I called to see if the refund had been processed I was again told that Chase would take no action unless they heard first from XXXX  XXXX ( which has been completely unresponsive ). They have shirked all responsibility to their customer as both a financial institution and an agent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
MORE THAN 45 TO 60 DAYS AGO I REACHED OUT TO THE XXXX CREDIT COMPANYS ABOUT ACCOUNTS LIST ON MY CREDIT REPORT THAT I NEVER SIGN OR USED THEY HAVE YET TO REMOVE THESE ACCOUNTS OR GIVE ME ANY INFORMATION ABOUT THEM TO THIS DAY.

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 2021-04-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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:
Not Legal Validation & Re-ageing Debt I wrote XXXX regarding Portfolio ignoring my dispute letters for months now and did not send me anything to Validate the debt and by not responding agreed that this account to be removed. XXXX is refusing to remove an account that the original which is Portfolio RC refusing to Validate. XXXX is in violation continuing to report. 

Also the debt was Re-Aged by XXXX which is a violation according to the FRCA. Debt should be reporting accurately with factual information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I asked Transunion for information on a deleted collection and they said that they do not have the information. I filed a dispute around XX/XX/XXXX for a collection and included police reports for identity theft. The item was deleted on XXXX XXXX, XXXX. The same item deleted was reinserted on XX/XX/XXXX, approximately 44 days after being deleted. TransUnion never sent me a letter informing me of the reinsertation. TransUnion then lowered my FICO score by 121 points. I disputed the collection a second time and it was deleted XX/XX/XXXX. The collection amount in dispute was approximately {$600.00}. 
The dates are approximate since after several phone request, TransUnion representatives keep telling me they no longer have the information available to furnish me. 1 ) Why would they allow a reinsertation 44 days after the deletion. 2 ) Why did they not send me a letter informing of the reinsertation. 3 ) Why did they lower my FICO score for the reinsertation that was reported beyond the response time for the deletion. 4 ) Why did I not get my points back onto my FICO score that they took after the second deletion, when they should have never allowed the information to be reinserted.

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 2021-03-19
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We paid off our auto loan on XX/XX/2020. After the loan was paid, the company sent us the title and confirmed the loan was paid off, However, they reported to the credit agencies that we were 60 days late in XXXX and 90 days late in XXXX, which is not correct. They are also reporting to the agencies that the account was charged off from XX/XX/2020 through XX/XX/2020. Of course, this is not correct either. 

I have contacted the company several times to have this corrected, and they keep telling me that it is going to take time and they are working on it, But, it has been several months and nothing has changed. 

We are trying to refinance our mortgage while the interest rates are low. This company is holding us up from being able to do this, because of what they have reported to my credit file. 

I am very frustrated with this and would like you help, if possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We sold our house on XX/XX/12 to XXXX almost three weeks ago and the XXXX XXXX XXXX XXXX, has not paid off our mortage with Rocket Loan 's. Now we have two mortgages and I am not getting any response from the XXXX XXXX. Rocket Mortgage is still taking out payments for the first mortgage and some of it is being applied to the interest that is accruing because of either XXXX XXXX not paying Rocket Mortgage or Rocket Mortgage not updating our account balance. We are not sure if XXXX XXXX failed to send the payment or if Rocket Mortgage failed to post it. Here is the information for XXXX XXXX. 

File Number : XXXX OD : XXXX FS : XXXX XXXX - Acquisition - XXXX XXXX  : XXXX XXXX - Acquisition - CM XXXX XXXX XXXX Escrow XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
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:
Recently I established a credit report account with XXXX to see my current credit score and was surprised with countless fraudulent and false accounts that weren't done with my consent. I sought legal counsel to further educate myself on such crimes because it is the first time I experienced such fraudulent activity. In my country there is no such crime due to the lack of resources so apparently I would like to see these accounts removed from my credit report because they weren't my doings. I am extremely shocked and embarrassed to learn that people can be victims to such fraud without having any physical proof of identity to attain such accounts without legal consent. Please again remove these false items from my credit report 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 2020-08-24
Company: EQUIFAX, 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:
Recently I established a credit report account with XXXX to see my current credit score and was surprised with countless fraudulent and false accounts that weren't done with my consent. I sought legal counsel to further educate myself on such crimes because it is the first time I experienced such fraudulent activity. In my country there is no such crime due to the lack of resources so apparently I would like to see these accounts removed from my credit report because they weren't my doings. I am extremely shocked and embarrassed to learn that people can be victims to such fraud without having any physical proof of identity to attain such accounts without legal consent. Please again remove these false items from my credit report as soon as possible. Thank you!

Company response to consumer: Closed with explanation