BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These companies have violated my consumer rights. I have reached out to them numerous times and they are now willfully non compliant. I exercise my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My name is XXXX XXXX, & I am submitting this complaint without any influence from any 3rd party or agency. Please see attached documents and ID as it contains my full complaint and request.

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 2017-10-27
Company: WELLS FARGO & COMPANY
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX # XXXX in the name of XXXX XXXX & XXXX XXXX. XXXX XXXX is my EX spouse. Wells Fargo is showing this account past due in accurately on all XXXX credit bureaus. For XXXX XXXX XXXX it shows late XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. For XXXX it shows late for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. The letter attached shows the car was paid in full XXXX therefore it could not be 30 days past due in XXXX XXXX. However the biggest issue I am facing is the address listed on the account is XXXX 's address. I requested numerous times via phone and mail for Wells Fargo to send me bills, and commuincations at my address since I am listed on the account. The only time I received communications at my address is after the loan was paid in full and I began disputing the late payments with them. Any phone contact received from them to collect payment were made to me only after not being able to reach XXXX for payment and were always 30 days past the payment date. I made numerous attempts to request I be contacted by mail and by phone. Their inaccurate information and in ability to update the account has harmed my credit report. I am attaching a copy of the paid in full letter addressed to me but not sent to my address and never has been my addresses ever. The only reason I got a copy of this report is because I demanded a copy of it from XXXX. I requested the same letter from wells fargo and was told that it was already sent to 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 2022-03-31
Company: Caliber Home Loans, Inc.
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I was on the title with my wife who passed away in XXXX, they were quick to say that i was accountable for the loan which i made the payments and the loan has been paid off, and they put the tax statement in my name but they've sent XXXX checkes in the estate of XXXX XXXX as i've explained there's not one, but still not gotten my money from the escro the house was paid off on XX/XX/2022 but they wont put the check in my name. seems they are trying to steal my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, we attempted to use our Elan Financial Services credit card to pay our veterinarian approximately {$150.00}. Not only was the card declined but the vet told us that it was declined for potential fraud. The credit card company had suspended the card because of an attempted charge of {$39.00} for a recurring monthly service that the said " they didn't like '' on XX/XX/XXXX. I am livid that the card company froze our account over a charge for a recurring service that we have been using for at least 4 months. Even worse, the company reported " potential fraud '' to the vet. That is extremely embarrassing and bordering on libel.

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 2018-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This dispute of unauthorized charges involves a debit card in my name, which is used by my real estate company, XXXX XXXX ( " XXXX XXXX XXXX '' ), to issue incentive payments to me resulting from commissions from real estate transactions. Essentially, as commissions are earned at random times, the card is then loaded with various remittance amounts. This card is administered by Bank of America. 

On the morning of XX/XX/XXXX, resulting from my XXXX XXXX XXXX   advising me that I should have received a commission credit to the card, I called into the Bank of America automated customer service line to verify receipt. It was at that time that I first learned that there were a series of debited transactions that I had not made. I immediately telephoned Bank of America and advised them of the unknown and unauthorized charges and they advised they would cut of the card, re-issue and new one and place a formal dispute claim. Further, they advised that all five of the disputed charges were actual swipes of the card, although I physically had it still on my person and the card was never lost nor has ever been lent to anyone else. 

Subsequently, on XX/XX/XXXX I received a letter ( attached ) from  them only stating that the transactions were authorized, but no detail as to how they came to that conclusion. I immediately called them and tried in vain to get an answer as to how they found the charges authorized considering that besides the charges for some items in which I have no use for ( i.e., I have been on a XXXX diet for the pass 3 months and would never go near a XXXX XXXX ) for at least 2 of  the 3 days in which the card was supposedly physically swiped in another boro, XXXX, NY, I was actually miles away at work located in another boro, XXXX, NY ( on-site clock-in/out ledger attached ). 

I of course asked if someone else, a supervisor can explain to me the seeming non-investigation and unfair conclusion that I authorized these charges and I was told no one was available but a supervisor will be calling me back. It has now been over two weeks and I have not heard from Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had an auto loan with Florida XXXX XXXX out of XXXX, FL. While I paid the account late a number of times it was never over 30 days late. The very last payment ... a partial payment ... was credited 33 days late. The account, on the Equifax bureau shows XXXX late payments for the entire history of the loan which was paid off in XXXX, XXXX and has a XXXX  balance. However, the loan itself still reads as an XXXX rather than an XXXX which is adversely affecting my credit by XXXX points. On a 48 month loan that only had the last partial payment over 30 days the entire account should not forever have the status of " Pays XXXX days late ''. 

I contacted the Florida XXXX XXXX and was told by an assistant branch XXXX that the problem would be resolved and they would correct the report to the bureau. They have done nothing whatsoever to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Disputed Chapter XXXX bankruptcy reported to credit report. XXXX  and XXXX  have removed the inaccurate information. Experian has taken longer than 30 days to remove the inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Over the last XXXX years I've attempted to have an escrow account set up with the loan serviced. First year it went from XXXX ear to through the other. This past year. I got the escrow analysis letters. I missed placed them so I go to the online portal to see if I can find the info. I can not. In XXXX different occasions I couldn't. One third occasion they stated they themselves on a call could not find the escrow analysis letter so she would start the escrow request again. Here we are on XXXX and I call for follow up from my call and nothing. The escrow analysis did not exist again. This time my insurance lapsed even thou I uploaded the bill which they sent via mail and escrow amount. I called the credit union for help because ALL mail has their logo/letterhead. They told me they could help me. My issue was with the loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: WELLS FARGO & COMPANY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I previously had a wells fargo secured card and the balance was settled for less than the balance this account has showed inconsistency with my report such as incorrect information and account status and other detail account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-25
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Dear CFPB I have been waiting for unemployment since XX/XX/XXXX. I have been having to borrow funds from several different people to make ends meet. I finally get my unemployment check and bank is charging me {$70.00} in fees. I ask them to return but they didn't

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-27
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX/XXXX/XXXX ( XXXX XXXX DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX-XXXX. they pull my report and did hard inquiry without my consent opt out before ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX they pull credit before i said yes when isuggested to cancel the report being pull ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX i never requested this hard inquiry about my credit ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX i did not grant permission to have my credit report pull or any other matter ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX i did not aproved this ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX this should not be here and they did not supposed to pull my credit or do hard inquiry ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX i never give my info and gave them permission to pull my credit file ) XXXX/XXXX/XXXX ( ALASKA XXXX XXXX XXXX XXXX XXXX XXXX XXXX AK XXXX ( XXXX ) XXXX i did not request this hard inquiry since it was a checking account created nothing related with credit ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX i never requested any about this ) XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX MD XXXX ( XXXX ) XXXX i never granted permission to pull my credit file )

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 2020-12-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reached out to the bureaus, especially Experian and they have tried to use stall tactics to avoid blocking fraudulent information. They continue to violate federal law under Title 15 USC ( see attached documentation ) and report both fraudulent and inaccurate information. 

XXXX  and XXXX  have not replied to me as of yet however, the fact remains that each of these credit bureaus knowingly publish consumer reports without ever have permission from the consumer which is an infringement upon a consumer 's right to privacy and the fact that they knowingly publish information without consent and then share this information, often times inaccurate, is willful non-compliance and violation of federal laws under Title 15 USC, Chapter 41. Multiple violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
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 bought out the lease for our vehicle in full with Hyundai Motor Finance on XX/XX/XXXX. Payment was issued to Hyundai Motor Finance in the amount of {$19000.00} which included the remaining balance of the lease in addition to the Illinois sales tax owed in the amount of {$1200.00}. 

On XX/XX/XXXX we received the following documents : Bill of sale, Title, and a Illinois Department of revenue ST-556 Sales Tax Transaction Return form. 

We took all of these documents to the DMV with the goal of transferring the title and registration from Hyundai Motor Finance into our names. The DMV declined our request because they cited a lack of any evidence showing that the Illinois Sales tax has been paid. I showed them the form ST-556, however they said there is no confirmation stamp or transaction number referenced demonstrating that the payment has been made. I attempted to go back a second time, and was again declined for the same reason. The supervisor even called the Illinois department of revenue, referencing the tax return form and they confirmed they did not see the payment of {$1200.00} referenced on the form given to us by Hyundai Motor Finance. 

I have called Hyundai Motor Finance numerous times ( at least XXXX separate occasions ) since then between XX/XX/XXXX and XX/XX/XXXX and have spoken to both regular sales reps and supervisors giving them this background information and requesting a " sales tax paid letter '' demonstrating proof of payment of the sales tax to the state of Illinois. Each time I was told that this was handled by a separate " back office accounting department '' which nobody can talk to directly and that they can only send them an email relaying my ask. Each time I was promised to be given the sales tax payment proof within XXXX business days ( sometimes via mail, sometimes via email, other times via the website direct messaging ) and in the end I never received anything from them on any of these occasions. The best they could do was send me another duplicate copy of the same ST556 form which was useless. I have attempted to file complaints with supervisors, and that also had no effect.

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 2017-10-27
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I made my first mortgage payment to Caliber Home Loans, which included an additional principal payment of {$420.00}, which was credited to my account. The unpaid principal balance following this payment was {$650000.00}. 

On XX/XX/XXXX, the loan was set up with XXXX after having been sold to them by Caliber. 

On XX/XX/XXXX, XXXX created a statement showing an unpaid principal balance of {$650000.00}, which is approximately {$420.00} less than the closing balance with Caliber. This is essentially the amount of the additional principal payment. 

On XX/XX/XXXX, I contacted XXXX and was advised the balance number they received from Caliber was {$650000.00} and that I should contact Caliber.
On XX/XX/XXXX, I contacted Caliber and was advised they were unaware that XXXX even had the account! I was advised that the transfer would not actually take place until XX/XX/XXXX.
I have since attempted to follow up with Caliber for additional  information/clarification/assurances via fax and social media, but have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: FL
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  # 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 @ : 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 2022-10-04
Company: EQUIFAX, INC.
State: GA
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:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wakefield and Associates of XXXX Tennessee has a couple of medical debts that they say I owe and they have added money to the original amount billed by the doctor, I have contacted them but they will not change the amount.

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 2019-10-10
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2018, PayPal made my remaining Account balance of {$230.00} available for me to withdraw as 180 days had passed since my Account was limited ; and they notified me of this decision via email. Thank you.

Company response to consumer: Closed with non-monetary relief