BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Dear Sir/Madam, I hope this email finds you well. I am writing to you regarding my business checking account with Wells Fargo. Recently, I discovered a repeating transaction of {$850.00} every month, originating from the same check that was issued in XX/XX/2022. 

I immediately contacted Wells Fargo to investigate the matter and was shocked to learn that the same check had been cashed by the person for 11 times. Wells Fargo Banker also confirmed that the person was able to cash the check using the same instrument. 

Despite this clear case of fraudulent activity, Wells Fargo informed me that they were unable to stop the payment and issued a claim letter stating that they would not reimburse me for the almost {$9000.00} that was fraudulently withdrawn from my account. 

As you are aware, banks have a duty to exercise reasonable care in processing checks and transactions and to prevent fraudulent activity. However, it appears that Wells Fargo failed in their duty to detect and prevent this fraudulent activity, which resulted in a significant loss to my business. 

I would appreciate your urgent assistance in this matter, and I am seeking your guidance on how to proceed further. Thank you for your attention to this matter.

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 2017-04-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hi! Can you please help my family and me? We are now residents of XXXX, XXXX. We had a house in XXXX that we bought on XX/XX/XXXX for {$98000.00}. It was taking 50 percent of our income to pay the monthly mortgage payment. We refinanced with Wells Fargo Home Mortgage about a year and a half later to get a lower monthly payment. We had paid the balance down to {$93000.00}. However, after refinancing with Wells Fargo, they added on fees and things, and the balance went up to {$100000.00}. A couple of years ago, we lost our business due to financial hard times - we XXXX, and our students ' parents said they could no longer afford classes because financial difficulties they were having themselves. We received federal assistance to make our mortgage payments for two and one-half years. We got the first year 's assistance with no strings attached. We got more assistance on the condition that I go back to college and get another degree. I earned a XXXX degree in eleven months, but still could n't get a job with it, and now I owe {$33000.00} in federal students loans - but at least they 've been deferred for a while. There is a clause in the federal mortgage assistance agreement that if we moved out of the house before five years had passed, that we had to pay them back what they had paid on our mortgage. We still were n't making enough money, and I moved my family to XXXX hoping to find better jobs. Recently, Wells Fargo agreed to work with us to do a short sale. We got a realtor. The house was appraised at only {$60000.00}. We still owed {$87000.00}. We had a buyer, who offered {$50000.00}. Wells Fargo hired an attorney in XXXX, XXXX to begin foreclosure proceedings. The attorney sent me a letter saying that they were going to foreclose unless I wrote them saying that we planned on doing a short sale. I did write them back saying that we intended to do a short sale. I accepted the short sale offer of {$50000.00} that the buyer make. I hear that Wells Fargo went ahead and foreclosed and sold the house at auction yesterday. I think that Wells Fargo is breaking the law. I want them sued by the government, and I want for them to pay us {$200000.00} for the trouble they have caused my family and me.

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 2023-08-13
Company: FIRST HORIZON BANK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I canceled my credit card with First Horizon bank in XXXX in 2020 after the merger of Iberiabank and First Horizon Bank. I went to the branch in XXXX in XX/XX/2020 to check on the status. They said they had issued a credit card and I told them I did not receive it. So they should cancel the card. As I was checking my score on XXXX and XXXX I noticed that a XXXX XXXX credit card on the report. I contacted XXXX and XXXX to ask them to remove the card. I was told to contact the bank. 
I contacted First Horizon and was told that a new card was sent to XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I checked with XXXX XXXX who owns the house and his sister who lives there and they say the card was not received. 
I contacted the bank to ask them to investigate to find and cancel the card. They said my name was on the account as a XXXX of Attorney and that only the account holder can do this. I contacted XXXX XXXX with whom I am not in contact with. 
I wrote a letter to the bank to instruct them to withdraw my name on the account and to cancel any credit cards in my name. They have given me the run around. I contacted XXXX who says their records show a card and that I have to get the bank to cancel the card. 
Despite my requests to XXXX XXXX and XXXX XXXX, there remains a credit card showing up on my report. 
During the period of Iberiabank I had used the card to pay house bills for XXXX XXXX. My concern is that there is a card in my name being used. Despite my requests from the bank and XXXX XXXX, no one has acted. 
I would like to find out if there is a card in my name and if yes, is it being used fraudulently? Secondly, I want my name taken off that account as I do not want to be involved in any finances with XXXX XXXX given that I am concerned about anti money laundering risks. Given that he has a girlfriend which I do not trust,, who knows if she is using that card to pay his bills? 
What can be done to have the credit card and my name removed from the First Horizon Bank account? What can be done to remove my risks associated with XXXX XXXX and his entourage?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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: Problem with personal statement of dispute

Complaint:
During the Pandemic my wife received a letter stating that she would be let go from her job because of the pandemic, In turn I could not pay on time 4 of my accounts, from credit cards to installment accounts. I submitted prove of documentation that they can see that not only did I missed past 30 days but there after I paid them i=on time and eventually I paid them in full. I explained that this dropped my score significantly and because of it I could not afford to purchase a home for me and my family. The reason I submitted to have to negative reporting removed from my reports was because I read online that if you had difficult paying on time because of the pandemic that they would work work with you if you can provide proof of what had taken place in your life like loss of employment. I want to also let you know that they took about 6 month to respond with letters sayin that they could not help me. The Dates that I missed payments past 30 days were after the lay off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is a complaint regarding items I disputed that does not belong to me. I thought according to law all credit bureaus investigate items on your credit that you are disputing the same. However, comparing my credit reports it shows different results. XXXX removed XXXX items that did not belong to me. But Experian stated, verified. How could that be? It seems that Experian waits and holds on to the dispute for 30 days w/o properly verifying and then after 30 days just say, it was verified w/o actually verifying. The following items is not mine listed below. 

XXXX ( XXXX ) XXXX XXXX ( XXXX ) I have attached a copy of my XXXX report, stating these XXXX items has been deleted. I would like Experian to follow suit and delete these XXXX items.I have attached the copy of my XXXX report so you can see the proof. 

Also, I have a letter from XXXX on XXXX credit items that is reporting negatively on my credit report and XXXX informed the credit bureau to REMOVE the account and failed to do so. I have attached a letter for that as well. 

XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Loan is paid off. My experience was very clear. I had an interest rate of 2.25 % and when I called to lock in my rate I was talked out of it. Literally talked out of it. Looking back I realize that Navient aka XXXX could not give advice beneficial for me but I naively trusted the person on the other line. So here is some advice. These companies do not work in your interest when it comes to revenue. They work within their own. In other words, find someone that really knows what you should do and do it exactly that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: Global Home Finance Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
My wife and I received a letter from XXXX XXXX XXXX of Global Home Finance stating that he could finance us a house with a 3.990 % on a 30 yr. fix rate so I called him at # XXXX ext XXXX .I told him that I needed a realtor, so he put me in touch with XXXX XXXX XXXX. # XXXX to help us find a House, I told him that I was a Veteran and that I wanted to use my VA loan 100 % financing and he said that I could and I got with XXXX and she found us a house at XXXX tx XXXX told us that we had to have {$1500.00} earnest money and I said that I thought this was 100 % financing, she said that they was just going to hold the money until we close on the house and then I will get it back, so I wrote her a XXXX check to the Title company as earnest money, then she said that I had to pay {$350.00} for inspection fee, I paid that. Then XXXX told me that I had to pay {$570.00} for appraisal fee I paid it off of my Credit Union card, as time went my truck broke down on me and I had to get a little car to drive to and from work and I called XXXX and ask him was that going to hinder me from getting the house, he said no and that they could work around it, so I stated ok lets go on then, then they said that the owner had to repair some things on the house and that we was going to close on XX/XX/XXXX and problems started to occur, and the owner was requested to repair more on the house and the week we was suppose to close on the house, my wife and I starting packing because they said that we had the house. Then XXXX stated that he was going on vacation and that his team members can help me close on the house and that everything look good ..then XXXX XXXX XXXX. spoke with me after they had me to sign the Documents and said that everything was good and that we could close on the XX/XX/XXXX then the day before closing he called back and stated that I could not close because I had to pay the car off at XXXX ... and I stated that you guys told me that everything was good and he said that he could not finance me at 3.990 % but that he had to go up 4.125 % or something then he debited my Credit card without my authorization for {$200.00} I called the Credit Union and they said that Global Finance credited my card I told them that I did not consent to that ... and the man said that he would block the card so that they could not credit it again ... Then I asked XXXX if I could get my earnest money or all of my money back and she stated no they are not going to give your money back ... and I told her that it was not my fault and they agreed to that, then she stop talking to me and I called XXXX to confront him again about the situation and he hung the phone up in my face because I asked him who told him to credit my card..so I want to know if I can get some of my money back .... 
Kindest regards, XXXX phone # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-04-01
Company: Alliance One, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2107 I received and alert stating that XXXX has added a new collection to my XXXX credit report. This is inaccurate information because i paid this debt to Alliance One on XX/XX/2017. A pay to delete letter was submitted to Alliance One on XX/XX/2017 along with a cashier 's check for {$100.00} which stated that upon cashing the check Alliance One would be in agreement of accepting the payment as paid in full for debt and removed this collection from all XXXX bureaus within 15 days of cashing. Alliance One cashed my check on XX/XX/2017 and mailed me a letter on XX/XX/2017 stating that they no longer own the collection and that i should contact XXXX.Alliance One cashed my check then sold this account to another collection company by the name of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: KEYCORP
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I applied for a HELOC with KeyBank. After a week I was informed that my credit score was too low and would be turned down. I was told my score was XXXX. My scores are in fact XXXX points higher than that, in the XXXX-XXXX range, and no where near a XXXX. I produced valid XXXX credit reports from other lenders to prove this and was told it would be investigated. After an " investigation '' I was told that KeyBank uses a different scoring system with XXXX than other lenders. I was then then told that I could re-apply with a different division of KeyBank that would pull a credit report from a different reporting agency. Unfortuntely after attempting to do so I was told that would not be permissible for another 60 days. I have never heard of one bureau reporting scores to a bank that are XXXX points lower than what they are reporting to others. I do not feel that I should have been subject to waiting a week to hear this news after having submitting all of my required income documents at the time of application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have 8 unauthorized hard inquiries on Equifax. I called multiple times and they havent been removed. The credit bureaus are corrupt. XXXX  and XXXX  have removed the inquiries in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: SD
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I have a loan with Toyota. I successfully applied for a two-billing-cycle deferral and paid a XXXX dollar deferral fee. Toyota misapplied the fee and put it towards my lease balance after I sent them the requisite forms and agreed upon the deferral terms. Now they say I am past due and have negatively reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Receivable Recovery Services, LLC
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Receivable Recovery Services calls my phone and will either not say nothing ( so I just hang up ) or want me to tell them my personal information before even telling me what the call is about or where they are calling from. I have repeatedly asked them to send me an itemized letter detailing what they are refusing to tell me about and to send it certified to ensure I get it. I have told them not to to contact me until they can prove that I get a letter and yet they still call. I have told them I do not owe them anything and to stop calling me. When I do this, they become aggressive and rude. I refuse to give my personal information to anyone on the phone especially when I know I do not owe this company anything. I can not provide dates or amounts because I have not been given any of that information at all. The only thing I have been told it was a medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Money Investigations, Inc.
State: MS
Product: Payday loan
Issue: Can't contact lender

Complaint:
I took out XXXX cash advance loans from place called XXXX in TN, I did default on the loans bc of hardship and they have gone to a collection company called Money Investigations out of XXXX GA. I received the first call from this man who calls himself XXXX on XX/XX/XXXX at my parents house. He was screaming at me, making threats of jail time all bc I ask who he was with. Yes I got ugly right back assuming this was a scam. I contacted XXXX and found out they are contracted with Money Investigations so I called back to try and work out a payment plan, the same man screams at me again saying I was going to jail unless I XXXX him half ( XXXX $ ) I said I would try but could not come up with the money, called him back left a voice mail that I would again like to make payments. He called back XX/XX/XXXX screaming again that I committed check fraud and was going to jail and nothing but a liar. He also called my parents again saying the same things on XX/XX/XXXX ... I got on the phone and said I spoke with the local sheriff and this was a civil not criminal matter. The man calls again XX/XX/XXXX to my parents home and when my mother says I want to make payments he starts yelling at her. I have done my research over the weekend and it seems this man is actually a man named XXXX. Yes I agree I owe the debt and am willing to make payments but these types of calls are ridiculous ... ..and if he has filed papers as he said on XX/XX/XXXX why does he continue to call and harass me.

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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX. XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: CREDIT ACCEPTANCE CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I got my XXXX XXXXXXXX XXXX from XXXX XXXX in XXXX XXXX XXXX. When I purchased the vehicle they said the only bank I could use was credit acceptance. I was told that everything that was included with the loan had to be in it, such as warranty, service fees etc and that if I didn't agree to these extras I wouldn't be able to use credit acceptance as a lender. I then find out later that I had a choice. This loan ended up being much more than was disclosed when purchasing the vehicle. And because of these extra inflated costs it was hard to keep up on payments especially with outrageous late fees. I was in desperate need of a vehicle, they knew I would be unable to afford it but used my desperation to their advantage and convinced me otherwise. So I ended up defaulting, getting my car repossessed twice and the second time it was repossessed it was sold in auction for 3 times less than the blue book value of the car. They sold it in auction for XXXX dollars. And even after it was sold they are still adding interest to the loan making it even harder to get out of debt. Because of their tactics I lost my job, can't afford another vehicle because I am denied for every loan and am still to this day having a hard time keeping a job due to no vehicle and no reliable way to get to work. Within the first 2 weeks of purchasing the vehicle it ended up having a lot of issues making the vehicle so it couldn't be driven. I tried to use the service contract that I was duped into, and was denied for evert claim through them as well as the dealership that I purchased it from. This company is extremely rude when you try to reach out to them for support and they talk you down and tell you straight out that " you shouldn't have got a loan that you couldn't afford '' yet they add all these extra fees and make it seem like you have to get these extras to even be considered for a loan. They used the fact that I was poor, with poor credit and desperate. Credit Acceptance should not be allowed to continue this fraudulent behavior and should be shut down.

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