BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-13
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo attached my Wells Fargo credit card to my checking account as overdraft protection without my authorization. I called them to dispute this and told them that the charges have hit my credit report negatively. They responded by telling me that their records show that I authorized the use of a credit card as overdraft protection in XXXX 2015 by phone. I never authorized any use of my Wells Fargo Credit Card as overdraft protection by phone, or in any other way. In XXXX 2015, I established a new checking account at my local bank, in person! I authorized my savings account NOT a credit card. Wells Fargo told me " Regardless, you received statements showing the overdraft protection fees electronically, so you were informed. '' This was an underhanded tactic that Wells Fargo used to change me XXXX $ $ in fees. I told them that all I wanted was the negative information removed from my account ( 30 days ). My credit score prior to this was XXXX. It has dropped to XXXX as a result of this XXXX negative item. I will gladly submit my credit report for review as proof and have previous reports to demonstrate the precipitous drop. I have also filed a dispute with Wells Fargo and 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 2020-08-08
Company: Constar Financial Services, LLC
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Due to Covid19 and loss of business income, I had a vehicle I voluntarily surrendered to XXXX XXXX, that vehicle was sold on XX/XX/XXXX, I received a letter from XXXX XXXX on XX/XX/XXXX stating what my deficiency balance was. On XX/XX/XXXX, I tried to call XXXX XXXX and was routed through their automated system to Constar Financial as it indicated my account had been turned over to them for collection. I tried for several days to reach Constar and  finally on XX/XX/XXXX, was able to reach Mr. XXXX XXXX with Constar.  Upon my conversation with him, a settlement agreement was made in the amount of {$4200.00}. I gave him account information for which to take that payment out of. I was told that once that cleared my bank account, I should call back in and they could then issue me a receipt and also would notify XXXX XXXX At that time that my payment was made in full and had cleared. Since XX/XX/XXXX, when I was notified by my bank that the payment to Constar Financial had processed and cleared, I can't get anyone to answer the phone. I have called daily if not multiple times a day since XX/XX/XXXX and left at least one if not more messages a day requesting a receipt for this payment beyond what my bank statement has already showed. There has been no answer on their end nor any attempt to call me back. I would like to get this settled and have formal receipts from Constar so that I can show this paid and also so that XXXX XXXX   will show this has been paid.

You'd think after handing this company over {$4200.00}, they could do a much better job in customer service. 

XXXX XXXX XXXX XXXX XXXX, KS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Experian Information Solutions 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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/XXXX was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2015-06-17
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
The debt collector called me at my place of employment. I notifyed them I can not take such calls at work and provided a cell phone number. I called back on my cell phone and notifyed them that there is no debt to be paid because the medical bills were paid by insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!!

I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 non-monetary relief
Consumer complaint received 2020-01-07
Company: AmerAssist A/R Solutions, Inc.
State: UT
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:
Amerassist AR Solution is reporting a collection with a balance to my credit report. However I have already paid off this collection and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Unknown debt, I have not had any medical visits in a long time this is NOT accurate and untrue I owe anything to this company

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 2022-08-17
Company: EQUIFAX, INC.
State: SC
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 a natural person, Iam a living human being .I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And violate my rights numerous times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE SHOWING LATE PAYMENT HISTORY. THE ACCOUNTS LISTED BELOW UNDER, ACCOUNTS TO AMEND, WERE NEVER LATE. 

ACCOUNTS TO BE AMENDED : 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 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
someone use my identity to get medial attention also open several accounts using my personal info with out my knowledge I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-08-08
Company: Experian Information Solutions Inc.
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:
I am trying to purchase a house and went shopping for the lowest mortgage rates. I thought I was supposed to have 45 days to shop or at the very least 14 days without adding a bunch of hard inquiries onto my report. Every single inquiry is counting as a hard inquiry even though I did them in the allotted time and now my credit score is taking a nose dive. How are people supposed to be able to shop for the best rate if it blows up your credit in the process? Even on the CFPB website it says I should have 45 days. This is just another example of why there needs to be proper regulation over the credit boroughs. There isn't even a way to dispute the hard inquiries with the credit boroughs and ask why they weren't treated as one. I tried opening a dispute but there isn't any way to dispute hard inquiries nor is there anyone to speak to about it.

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 2016-06-12
Company: RoundPoint Mortgage Servicing LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Did not receive any information from one mortgage company ( XXXX XXXX ) that they were being bought out by another mortgage company ( RoundPoint ). Not only have I been dealing with inept personnel from XXXX XXXX XXXX XXXX, but the issue is now haunting me once again with this new Mortgage Co. ( RoundPoint ). With every piece of evidence I have in making a payment by check, to include the image of the front of the check, the back of the check, and the " stamp code '' of the check that I received by bank, the issue is still going on. It 's been a year where I had to battle back and forth with XXXX about how I have all the proof needed for a payment I made that they had lost, and will not own up to their mistake. After countless phone calls, aggravation, and XXXX I had to live through ( and clearly just found out I still am ), I thought this issue was finally fixed. Not only was the issue NOT corrected, but now RoundPoint is starting this nightmare all over again. To add, XXXX XXXX dropped my credit score on 3 different occasions and I had to fight, endlessly, for months to make them put my credit score back to where it rightfully belongs because they could not fix a problem all while I had supported every piece of evidence any would need to realize I was not at fault for a payment they lost in their " processing center. '' To include emails, names, check numbers and amounts with dates, images of the checks and stamp-code for the check. I 'm a veteran XXXX, a XXXX XXXX XXXX, and now that it is XXXX XXXX, 2016 I will, yet again, be contacting the new mortgage lender ( RoundPoint ) to start from square one about an issue that should never had existed in the first place AND to fight to keep my credit at XXXX where it rightfully belongs. This is a major issue that needs resolved!

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 2015-10-29
Company: Pinnacle Credit Services, LLC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent a certified letter to them requesting that they validate this debt because it does not belong to me and they did not respond to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Experian Information Solutions Inc.
State: NY
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:
I've been with XXXX XXXX XXXX for approximately three years, having paid roughly {$2600.00} throughout that period with, only XXXX % of my negative information removed in a timely fashion. Presently, I am investigating the depth and nature of the work completed on my case. From XXXX XXXX, XXXX XXXX firms paralegals informed me that XXXX, XXXX, and Experian ( the entities that are the subjects of contention in this complaint ) provided responses that consisted of the descriptions " verified '' or " is verifiable. '' These terms merely constitute as semantics and do not provide substantive evidence to me, as the consumer, that the reporting of these items are accurate and valid. The credit bureaus, XXXX XXXX, and Experian, have repetitively refused to identify the parties that verified the negative listings, nor have they produced to me in writing, the name and contact information of the creditors or courts reporting the listings. This negligence has led to considerable damage and challenges in securing lines of credit from creditors, qualifying for apartments, and other necessities. On XX/XX/2020, I sent to each one of the credit bureaus a formal request in writing and, with my signature, a request to be provided with specific information concerning the creditors or courts they claim to have substantiated the listings. Experian refuses to dispute the items in question again, despite the insufficient information they've disclosed on my credit reports and no formal letter received outlining the findings of their investigation. I am requesting that all three credit bureaus comply with providing the information I am requesting per the Fair Credit Reporting Act, 15 U.S.C. 1681. By this law, if the credit bureaus can not produce the names of the entities and contact information to the affected consumer, then the credit bureaus are responsible for removing the disputed listings. In addition, I have a right to sue and seek damages if ( 1 ) details pertaining to the validity of the listings can not either be disclosed in writing to the affected consumer ( me ) or ( 2 ) the bureaus insist on using semantics as a disparaging way of discouraging the responsibility of the consumer ( me ) to exercise ( his ) right to ensure that all reporting is in compliance with Federal laws and regulations.

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 2016-06-15
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been trying to obtain a mortgage modification with Wells Fargo for a while. We were approved for a modification but because of a medical emergency we were not able to make our third trial payment. I contacted our home preservation specialist and she said that she would check to see if we could be a little late on the payment because he would be returning to work after a short time recovering from his XXXX. She said it was fine but that was not correct and we have not been able to get a modification approved since. Wells Fargo was more than happy to work with us when housing values were very low, but as they began to rise, they seemed to become less willing to help us. We have gone through several layoffs and periods of unemployment as well as XXXX medical emergencies-XXXX, XXXX and XXXX had a XXXX in XXXX 2014. Luckily, he has recovered from all and we are both working for stable companies and just want to stay in our home and begin making payments. We currently have a mortgage with a rate of 6.625 % and if we are able to stay in our home, we are willing to keep that rate and have our missed payments added to our mortgage. We are not looking for a handout or principal reduction. We just want to get everything back on track. Please help us. We have XXXX kids and love our house. It has been a very difficult time these past years and we want to begin to move forward and start making payments. Thank you for your 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 explanation
Consumer complaint received 2020-08-08
Company: ALLY FINANCIAL INC.
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Due to Covid19 and loss of business income, I had a vehicle I voluntarily surrendered to Ally Financial, that vehicle was sold on XX/XX/XXXX, I received a letter from Ally Financial on XX/XX/XXXX stating what my deficiency balance was. On XXXX XXXX, I tried to call Ally Financial and was routed through their automated system to XXXX XXXX as it indicated my account had been turned over to them for collection. I tried for several days to reach XXXX and finally on XX/XX/XXXX, was able to reach XXXX XXXX XXXX with XXXX. Upon my conversation with him, a settlement agreement was made in the amount of {$4200.00}. I gave him account information for which to take that payment out of. I was told that once that cleared my bank account, I should call back in and they could then issue me a receipt and also would notify Ally Financial At that time that my payment was made in full and had cleared. Since XXXX XXXX, when I was notified by my bank that the payment to XXXX XXXX had processed and cleared, I can't get anyone to answer the phone. I have called daily if not multiple times a day since XXXX XXXX and left at least one if not more messages a day requesting a receipt for this payment beyond what my bank statement has already showed. There has been no answer on their end nor any attempt to call me back. I would like to get this settled and have formal receipts from XXXX so that I can show this paid and also so that Ally Financial will show this has been paid. 

You'd think after handing this company over {$4200.00}, they could do a much better job in customer service. 

XXXX XXXX XXXX XXXX XXXX, KS

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 2020-08-08
Company: Experian Information Solutions Inc.
State: IL
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 recently obtained a copy of my credit report from the bureaus and found INACCURATE, ERRONEOUS, NEGATIVE, UNVERIFIED information listed on my credit. I disputed these accounts and information with the credit bureaus. I believe the bureaus may be in violation of the laws put in place by the Fair Credit Reporting Act ( FCRA ) ; to protect my information and the validity of all information and accounts listed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation