BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-26
Company: Caliber Home Loans, Inc.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Caliber did not receive a copy of property tax statement for first half of XX/XX/XXXX tax payments ; copy of property tax statement was sent to Caliber. Caliber incorrectly entered Lot ID, resulting in incorrect property tax payment. After being notified of issue, Caliber subsequently made correct tax payment. However, original incorrect payment ( made XX/XX/XXXX ) has still not been returned to our escrow account, despite over 6 months passing. As a result, escrow account is underfunded. Caliber subsequently did an escrow analysis ( XX/XX/XXXX ) and determined that escrow account is underfunded, resulting in increased escrow payment to take effect at a later date. Additionally, this resulted in an incorrect XXXX being issues, as it includes both the incorrect payment ( not yet refunded ) and the correct payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: NEW YORK COMMUNITY BANCORP INC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I started a new job XX/XX/XXXX and new I would be late making the payment since I got my first check XX/XX/XXXX my next check XX/XX/XXXX XXXX send money orders through XXXX XXXX the next check I sent was XX/XX/XXXX since I got paid on the 2nd. Unfortunately, they keep sending me paperwork like they haven't cashed the money orders I have confirmed with XXXX XXXX that all the money orders have been cashed. In the XXXX payment I let them know that I started a new job and that is why I was late with that 1 payment!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried to update my personal information ( address ) by mail. I have not received a response or any update.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information is missing that should be on the report

Complaint:
I have an authorized user on my account who tried to get his free annual credit report and XXXX  was unable to provide a report. I called Capital One in XX/XX/XXXX, and spoke with a representative about XXXX  and also explained that the authorized user applied for credit with a company that uses XXXX and was unable to get a credit score. He told me that Capital One reports to all three credit bureaus and it's not Capital One 's fault if the credit bureaus don't report the information that Capital One is providing. I have since learned that Capital One has not reported to XXXX at all. I am uploading, per his permission, a copy of his credit report from XXXX  dated XX/XX/XXXX. I am requesting that you report this authorized user 's Capital One account to XXXX   and that you also add on our previous address. The authorized user 's XXXX report needs to checked for updates to report the correct information. Can you please check my other authorized user also and if it has not been reported to XXXX, please do so. Can you please explain why on his XXXX credit report why Capital One wasn't reported until XX/XX/XXXX dated XX/XX/XXXX, when he became an authorized user in XX/XX/XXXX and why the phone number is not updated that was done months ago. Authorized user 's XXXX credit report is also being uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I open a account with XXXX on XX/XX/2016.current amount {$1300.00} Ive been on financial hardship and arent able to pay. I was never notified on how to dispute this. I have tried calling to settle but havent come to a conclusion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 went to file my taxes and I was told by my consultant that my social security has been already from someone else and that I needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my 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
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 non-monetary relief
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX. XXXX XXXX Account # XXXX {$1500.00} Wrong Amount XXXX. XXXX XXXX Account # XXXX {$1500.00} Wrong Amount XXXX. XXXX XXXX Account # XXXX {$1000.00} Wrong Amount XXXX. XXXX XXXX Account # XXXX {$330.00} Wrong Amount XXXX. XXXX XXXX XXXX Account # XXXX {$450.00} Wrong amount XXXX XXXX XXXX XXXX Account # XXXX {$800.00} Not Mine XXXX. XXXX XXXX XXXX Account # XXXX Paid and was suppose to be removed XXXX. XXXX XXXX XXXX Account # XXXX Paid and was suppose to be removed XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account XXXX XXXX {$430.00} Wrong amount XXXX. XXXX Account XXXX XXXX {$430.00} Wrong amount XXXX. XXXX Account # XXXX Paid and was suppose to be removed These accounts has violated my rights : 15 U.S.C 1681 Section 602 A - 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c ( a ) ( 5 ) 15 U.S.C 1681s2 ( A ) ( 1 )

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 2019-03-12
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: Personal information incorrect

Complaint:
Hi, My son applied for an auto loan and I was the co-applicant of that loan through XXXX XXXX XXXX XXXX XXXX. We applied for a pre-approval application online for an auto loan on Thursday, XX/XX/2019. We got pre-approved on Friday, XX/XX/2019. I provided my personal information to them which included my social security, pay stubs and my drivers license and my son provided his personal information to them. They called me today, XX/XX/2019 at XXXX am and told me that they have pulled my credit report and my date of birth does not match the date of birth that I have provided to them. They told me to provide them with a letter which will state that my date of birth has been corrected.

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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX BANK XXXX details Paid off - Balance - Balance updated - Original balance {$500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed/Never late. 
Status updated XXXX XXXX Original balance XXXX XXXX  Monthly payment - Last payment date XX/XX/XXXX ontact info XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone number XXXX XXXX XXXX XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT

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 2022-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  Disputed by Consumer. 
Investigation of Fraudulent Hard Inquiry on XX/XX/XXXX Dear XXXX XXXX XXXX XXXX XXXXXXXX XXXX CAPITAL ONE AUTO FINANCE WILL NOT PROVIDE A LETTER OF DELETION NO ACCOUNT FOUND XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | XXXX Last four of my XXXX XXXXXXXX XXXX XXXX Disputed by Consumer. 1-5 days My address is listed above. Respond by Mail only and provide a copy of credit report along with results of investigation. 
CAPITAL ONE AUTO FINANCE Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Record details On record until XXXX XXXX Inquired onXXXX Comment '' : Auto loan. This inquiry is scheduled to continue on record until XXXX XXXX. Inquiry. On Report number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX a the bank declined a {$750.00} debit card transaction for a purchase for a oven at XXXX  and I called and they said that it should fall off in a few days while it sat in limbo holding the funds from XXXX. 
On XX/XX/XXXX the bank declined a XXXX XXXX  transfer to my business account. 
The same day the declined a XXXX $ transfer and said they could only do XXXX per day over a 3 day period, i said thats crazy, what bank institution does that? 
On XX/XX/XXXX the declined the XXXX $ transfer again. 
I called and explained over the phone and the teller made me call my other bank to verify the business account number. I was treated like a child after banking here. At the same time they tried to sell me their business account services and said that everything would be easier if I had a second account with them. 
I am a XXXX disadvantaged woman trying to start a business and they cost me time and money. They should be held accountable for there actions to US Veterans

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I got scammed by a so called XXXX  account. 
Amount : {$12000.00}. 
After sending out a bunch of emails with no results. 
I decided to take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My ex husband, XXXX XXXX XXXX and I divorced in XX/XX/XXXX. Subsequent to our formal divorce, Wells Fargo Equity allowed my ex husband to obtain a home equity loan in the amount of {$24000.00} on XX/XX/XXXX, well after our divorce. I had no knowledge of this loan being obtained and I did not give consent to having this home equity loan taken out. I spoke with Wells Fargo and they will not work with me. I happened to come across finding out about the loan when I decided to sign up for on-line banking through Wells Fargo in XX/XX/XXXX. In the intern ( XX/XX/XXXX ), Mr. XXXX XXXX had paper statements sent to his address where he resides with his current wife, XXXX XXXX, so that I would not see the loan statements. On the statement it states, that I live at XXXX XXXX XXXX, XXXX XXXX, Ma. I have never resided at that address. Also, after the loan was taken out, in XX/XX/XXXX, I legally obtained my Maiden name XXXX through the Social Security Office and the name on the statement, states XXXX XXXX. This home equity loan was taken out completely fraudulently and without my knowledge, consent or signature. As, Wells Fargo stated to me that my " signature was not required '' and the debt is " mutually yours. '' If a loan is going to be taken out, incurring mutual debt, then both signatures should be required to sign for the loan and give consent. I ask that my name be removed with Wells Fargo, removing this as my liability and that appropriate action is taken. Wells Fargo should have been responsible for questioning the address change as Mr. XXXX XXXX explained that we were divorced and changed his address on the documents. Wells Fargo needs to be held responsible and accountable for their oversight and need to diligently remove my name from any of this existing liability of the home equity loan that was granted to Mr. XXXX XXXX on XX/XX/XXXX, and my official divorce was XX/XX/XXXX. Wells Fargo has dismissed my numerous complaints that I have filed.

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 2023-01-21
Company: Genesis FS Card Services, 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:
Checked credit report and I have alot of hard and soft inquiries on there that I didn't do, or apply for. Lost phone with all my information in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: GA
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:
This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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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 2021-06-11
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The date XX/XX/2021, I Miss XXXX contact Freedom Mortgage XXXX In. XXXX about the principle & interest My question is, Do a lender have legal rights to multiply interest amount to increase interest payments, for instance when the interest rate is 4.75 % and the principle is XXXX to be XXXX Dollars would a lender be in legal rights to multiply XXXX by any number let me use XXXX then divide by 360 monthly payments is the lender legally right? Please send reply to 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 2021-02-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I entered the XXXX XXXX dealership located at XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX to purchase a vehicle appr. XX/XX/XXXX right before the COVID 19 shutdown. My credit score was in the 600s and I was approved to get a vehicle. The manager, XXXX XXXX, did a bait and switch tactic last minute on a pre-owned vehicle that was sold to me for double the XXXX XXXX price, that is not reliable or operable, without allowing us time to do the research. I started pulling up the information while they were putting together the contract and disputed the car, and they pushed us into the vehicle, stating the reviews about the car were not true. The vehicle that was sold to me was a XXXX XXXX XXXX, and the hydrogen stations are usually non-operable, leaving me without fuel for the vehicle appr. 80 % of the time. When I realized what type of vehicle was sold to me, within 24 hours after purchase I tried to return vehicle to dealership, and the manager ( XXXX XXXX ) refused to accept the car. The car value was approximately XXXX and the bank finaned me for approximately XXXX way over value of car. The car has to constantly be towed to stations, as there are only about 3 hydrogen fuel stations in XXXX County, and they are usually out of service. This leaves me without a vehicle most times, and takes up an entire day to be towed. I have contacted corporate and corporate refuses to accommodate me, and instruct me to make payments on the vehicle anyway- they do not care if the car operates or functions efficiently. The management at the XXXX dealership, XXXX XXXX, seems to be participating in an insurance scheme on the car- as one incident several guys in a car came up to me in a vehicle at the station it was towed to and asked if I wanted to do a total loss on the car with their auto shop- insurance fraud scheme, and stated they knew XXXX XXXX at XXXX XXXX . I refused their advances and they would not leave us alone until we left. I am not sure what else to do but we are in a XXXX auto contract with a vehicle that is not reliable, the fuel stations do not work or exist over 80 % of the time. This car has left us stuck on the side of the road, having to be towed, and paying for XXXX or XXXX about every two to three weeks since it was purchased in XX/XX/XXXX. There are many complaints about this car that can be found online, another concern is the price they financed thr car for, recently the management quoted my car at XXXX trade in value, of which was sold to us at XXXX!! I am not sure what are my next steps, as I have contacted a few attorneys as well.

Company response to consumer: Closed with explanation