BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is to inform this office that Wells Fargo has lied to this office in its response. 

I am referencing the response that states " ... we have been unable to contact XXXX XXXX ''. 

That is a FRAUD. I have called on seven occasions. I have left messages. I have emailed. I was told by " XXXX '' who left a message I would have an answer by XX/XX/XXXX. I was told five times I would receive a call in 24 hours. That was weeks ago. 

This is abuse upon abuse. 

My equity was STOLEN my life destroyed. My health destroyed. 

I am demanding the CFPB enforce the order and force repayment of all damages and further punish them for LYING To this body. 

HOW CAN YOU ALLOW WELLS FARGO TO FURTHER ANUSE AND LIE AND STEAL?

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 2022-01-12
Company: Flagstar Bank, N.A.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
We purchased our home on XX/XX/XXXX. We made regular mortgage payments of {$1500.00} for 15 months. In XXXX of XXXX, I lost my job due to Covid19 economic issues. I found another job in XXXX of XXXX but lost that job to Covid19 as of XX/XX/XXXX. I received Unemployment Compensation with the additional federal allotment, so my wife and I continued to make mortgage payments through XXXX of XXXX. In XXXX of XXXX, our mortgage company, XXXX, sold the mortgage to Flagstar Bank. Due to our situation and when Unemployment Compensation ran out, we entered Forbearance with Flagstar in XXXX of XXXX. 
In XXXX of XXXX we were offered a VA XXXX XXXX by Flagstar. The payment was increased from {$1500.00} to {$1700.00}. We initially declined the offer since the payment was increased by almost {$200.00} per month. This was going to be difficult as I paid for schooling to become a XXXX XXXX  XXXX XXXX XXXX and my income was half of what it was prior to Covid19. 
After further discussions with Flagstar via phone, we were offered a Trial Plan Agreement. We did receive an email with the agreement details, we signed it and sent it back to Flagstar, but never received a signed copy back even though we called several times requesting the documents. The payment was {$1700.00} and payments had to be made via phone and direct ACH from our checking account. We did this for four months in XXXX, XXXX, XXXX, XXXX and XXXX. However, in XXXX of XXXX, Flagstar informed us that we were not on any Trial Agreement and that our payments were merely going to our outstanding forbearance balance. This was shocking to us! We were told that our only option was to submit a Loss Mitigation Application, which we did, and we suspended the trial payments in XX/XX/XXXX, and XX/XX/XXXX. 
Now Flagstar is denying our application for the following reasons : 1 ) Our property was not impacted by a federally declared disaster false, since President Trump declared a nationwide emergency pursuant to Section 501 ( b ) of the XXXX XXXX. 2 ) Flagstar claims we did not make 12 consecutive mortgage payments false, as described above, we made 15 payments, plus the four trial payments.

Every time I have called Flagstar to discuss our situation, I have been given a different story. First we qualify for a Trial Mortgage Plan, then we dont. Copies of requested documents are never provided by Flagstar. Flagstar repeatedly denied things over the phone and changed offers on multiple occasions. There has been no plan to help a veteran, but rather the bank seems to just be trying to recoup the money from our time on forbearance. 
Now Flagstar says that unless we bring the mortgage current by giving them {$21000.00}, then they will move forward with foreclosure. We are appealing the decision to deny the loss mitigation

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 2021-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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 disputed a late payment on my Credit report as inaccurate for my Kohls Charge # XXXX card a 30 day late for XX/XX/XXXX and a 60 day late for XX/XX/XXXX. And as how could this be factual when the montths XXXX- XXXX and XXXXand XXXX shows ok. XXXX  results were that they verified this as accurate, I spoke to Kohls as well 0n XX/XX/XXXX and they said that their system only goes back that far for payment history so how did XXXX  verufy this information when. The creditor Kohls cant even see it in their own system. 
# XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
State: AR
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 found out my identity had been compromised because my wallet was stolen from the movie theater. I didnt take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later Im receiving letter after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am not familiar with. These accounts are not mine. Please remove. XXXX XXXX {$2300.00} XXXX XXXX  XXXX {$0.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$40000.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX {$420.00} XXXX  XXXX {$840.00} XXXX   XXXX {$0.00} XXXX  XXXX {$3500.00} XXXX XXXX {$6700.00} XXXX  XXXX {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Capital One Secured MasterCard website states : " if you make your first 5 monthly payments in time you will get access to higher credit line with no additional deposit needed, you may also earn credit line increases based on your payment history and creditworthiness " After 12 months of payments in full and on time I asked for a credit line increase. I received a declination letter that stated " Unsecured credit line increases are not available upon request on Secured Card Accounts '' clearly contradiction and false advertising

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: TD BANK US HOLDING COMPANY
State: DE
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 REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Tower Loan of Mississippi, Inc.
State: MS
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:
Tower Loan at XXXX XXXX  XXXX XXXX In XXXX, MS has now pulled hard inquiries on my credit without authorization. I have called and written after the first three and instead of stopping they made another hard inquiry. The dates are  XX/XX/XXXX and XX/XX/XXXX of XXXX ; XX/XX/XXXX and XX/XX/XXXX Of XXXX. I do not hold any account with Tower Loan and have not for several years. They do NOT have my authorization to view my credit. Furthermore, they have been told specifically to not pull my credit both verbally and in writing.

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 2019-07-27
Company: Experian Information Solutions Inc.
State: NY
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:
Please see identitytheft.gov form for list of fraudulent accounts, along with corresponding fraudulent inquiries and fraudulent addresses. Regardless of sending experian this information, they have not removed the fraudulent listings 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 non-monetary relief
Consumer complaint received 2019-02-19
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/19 I made a deposit in the amount of {$500.00} to a suntrust ATM located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. In the middle of the transaction the ATM malfunctioned and restarted. I immediately called into the customer service line to make sure my deposit went through ( time of call at XXXX Saturday XX/XX/XXXX ). I spoke with a representative that let me know that the deposit did in fact go through. I asked if I needed to take any further action and was informed that I did not. 

On Sunday XX/XX/XXXX I was auditing my account and noticed that the deposit for XX/XX/XXXX was not reflecting on my account. As it was a Sunday I waited until XX/XX/19 at XXXX to call in to customer service and speak with someone about my lost deposit. A claim representative let me know that he saw a deposit was attempted but it did not ultimately go through. I was told that I would have to wait for an investigation to be completed but a temporary credit could be applied to my account in 10 business days. I expressed my concerns about having to wait 2 weeks to have access to my money due to a malfunction with their equipment and was not offered any solution to that. 

XX/XX/XXXX at approximately XXXX I went in to the branch where the transaction took place. I asked if the branch had access to the ATM camera and was informed that they did not as they do not service the ATM themselves. I asked if the temporary credit could be expedited, a representative called the disputes line and was informed that we would not be able to do so. It was brought to my attention by the representative that their power went out 3 times over the last month. I was told that I would have to wait for a count to occur and see if they have surplus cash. 

At this time I am not confident that Suntrust will give me access to my deposit. Furthermore, if I hadn't noticed that my deposit hadn't posted they would have kept my money. The ATM didn't give me a receipt ( turned off in the middle of my transaction ), I don't have access to the video from the ATM, I don't have access to the calls I made and the counters could just lie about having surplus cash.

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 2023-01-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: IN
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:
n accordance with the Fair Credit Reporting act Credit Inquiries : 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 XXXX XXXXXXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I was in an accident and sought medical care. My insurance company, XXXX was informed of the incident soon thereafter. I received a letter dated XX/XX/XXXX ( attached ) from XXXX stating that they were unable to pay the medical bill due to " untimely submission ''. 

On XX/XX/XXXX, the Collection Information Bureau , Inc., a debt collection agency, sent me a letter ( attached ) stating that I was reponsible for the amount of {$230.00} owed to XXXX XXXX XXXX. I responded to that letter on XX/XX/XXXX via a letter ( attached ) disputing the claim that I owed any debt as it was my belief that it had been paid by XXXX. Despite that, I received another letter ( attached ) from Collection Information Bureau , Inc. confirming receipt of the aforementioned letter and again asking me to pay the amount of {$230.00}. 

I feel that this is constant harrassment for an alleged debt that I do not owe, and the Collection Information Bureau , Inc should contact XXXX and stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ), the credit reporting agencies have illegally assumed this role without MY permission not only that I NEVER GAVE them my consent to report this information to anyone. They did not respect my right to privacy which is clearly state in 15 USC 1681 ( a ) ( 4 ). The credit reporting agencies have NOT exercised their grave responsibility, they were unfair, they were partial and because of that they each have violated my consumer rights. The credit reporting agencies have NEVER had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed your company to furnish this report and I never consented to this report in the first place.

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 2020-05-26
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA
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:
In 2015 I entered into a payment plan to pay off a roughly {$11000.00} balance to Prestige Financial for a car I had to voluntarily have them repossess during my divorce. Since I have paid nearly {$11000.00} from what I can gather from my banking records. I have phoned them several times asking for statements and paid amounts and they told me they do not send out statements on " charged-off '' accounts. This morning I spoke with XXXX in their recovery division and she informed me that I still have a balance of {$9000.00}. When I challenged that and asked how, she said I signed a contract for {$38000.00} etc. I told her that contract was not the one in question, that was the original contract. The things that followed is what I am concerned about. They took possession of the car, sold it at auction, I had already paid the principal down through the 2 years of payments when I owned it, they got a judgement against me and I entered into a payment plan for {$11000.00}. Today I was dealing with an {$11000.00} debt that she informed me still has an additional {$9000.00} owed after 5 years of paying on it. I do not understand how that is accurate or legal. I can not afford another 5 years of paying for a vehicle I no longer own. I am laid off due to COVID-19 so I requested they remove me from the payment plan since I can't afford it right now. I need help. How is this legal??? They charged off the account, sold it and now they can recover {$20000.00} on an {$11000.00} debt due to interest????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$460.00} XXXX XXXX {$250.00} XXXX XXXX  XXXX {$430.00} XXXX XXXX {$1000.00} XXXX, XXXX XXXX {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Santander Bank that is close to payoff because a sizable amount of extra money is applied to the principle each month. I made my XX/XX/XXXX payment including extra principle and Santander received & deposited the checks but did not apply the payment to my account. Up until XX/XX/XXXX, my checks were received and deposited by Santander but starting in May, the merchant name changed to  XXXX XXXX. I have made several calls and was finally told by Santander Mortgage Service on XX/XX/XXXX that my XX/XX/XXXX payment has not been recorded. I've spent time with rude Collections people and nice Mortgage Service Specialists who were not able to help me other than to give me an e-mail address to send canceled check copies to. On XX/XX/XXXX, I sent check copies and a spreadsheet showing what my payments were and what my balance should be. I have received one statement dated XX/XX/XXXX, and the loan balance on that statement went up instead of down! It is now XX/XX/XXXX and there is no acknowledgement from Santander that they have the information that I sent and are working on resolving the problem.

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 2020-05-26
Company: CHECK INTO CASH INC.
State: IA
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:
In XXXX, I had taken out a payday loan with Check into Cash. It has always been a soft inquiry on a credit report and they tell you that it will only be a soft inquiry. 
In XX/XX/XXXX, I had applied for a credit card and was denied because of to many inquiries on my XXXX report. After looking into it, I found out that I had two hard inquiries from Check Into Cash from XXXX, one in XXXX and one in XXXX. 
In XX/XX/XXXX, I went to the store, and was needing to do it again. I asked the ladies at the store about the hard inquires and they insisted that it should never be a hard inquiry and that some other people were having issues with this also. After taking out the loan, I got a notification about an inquiry on my report. Sure enough, it was a third hard inquiry from Check Into Cash. 
When I went in to pay off the loan, the lady said that she had spoke with her boss and any problem on the credit report was on XXXX 's end. I contacted XXXX and they wanted a letter from Check Into Cash stating the inquiries should not be hard. Check into cash sent a letter about the XX/XX/XXXX inquiry, but not the other two. XX/XX/XXXX has now gone off but the other two still remain on there. 
This has had a negative impact on my credit score for the last two years, and I would like to get this issue resolved for me and anyone else that this has affected. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: JPMORGAN CHASE & CO.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
During the summer months, I experience a decline income due to my employment. Therefore, I request a one month payment extension with my Auto Loan Company, Chase. For the past almost fours years, my request for payment extension is granted. I have never been delinquent with my auto loan payment. However, On XX/XX/2019 my request for a one month payment extension was denied this year. I explained my situation to representative and the supervisor with no avail. After a lengthy discussion and waiting, I was informed the reason for the decline as it is not " contractual ''. This reason for denial baffled me and therefore I emailed the office of XXXX XXXX Executive Director, Communications, JPMorgan Chase & Co. A representative contacted me and stated Chase will follow-up. About week later a representative of XXXX XXXX XXXX XXXX office called. The representative shared her role was help resolve the matter. The representative via conference call contacted the department handing my request. After, reviewing my information my request was still denied based on " policy changes ''. I requested an explanation and representative stated a letter will be mailed with explanation. I have received XXXX letters the reason for denial was not " policy changes ''. I would like CFPB help in exploring the denial of my payment extension request especially since I have been clear reason for denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I applied for an auto loan a few years ago and was informed that I had a car loan with Credit Acceptance. After investigating, I realized that it was my sister 's loan. She stated that she listed me as a reference and no a co-applicant. I have disputed it with the credit bureaus and through the Federal Trade Commission but still have not resolved the issue. I received a copy of the installment contract and signatures were submitted electronically. I have not paid on this loan and it is currently under my sister 's bankruptcy.

Company response to consumer: Closed with explanation