BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-20
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've been in a battle with Jefferson Capital Systems, the collection agency, trying to have a file removed from my records that doesn't pertain to me. This file was initially owned by XXXX XXXX, but after disputing it with them, they removed it. Months later, if not years the debt was sold to Jefferson Capital Systems and it reappeared on my credit file. Even though I have never owned a personal XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I am reaching out to you regarding an incident which occurred at our residence on XX/XX/XXXX with Ford Motor Company who hired their enforcers to repossess our vehicle. Ford Motor Companys contractors refused to wear a mask & ignoring our repeated pleads not to come close to us during a pandemic. 

Not only did the Ford Motor Companys enforcers ignore our request to either wear a mask and or stay at safe distance from us. One of the enforcers who was a self proclaimed XXXX, repeatedly XXXX  our friend who recently recovered from a XXXX XXXX. 

We have repeatedly attempted to purchase the wrongfully repossessed vehicle since XX/XX/XXXX. We have made numerous calls directly to Ford Motor Company and many attempts chasing down the dealership having to visit the dealership 3 times, in order to complete the purchase of the vehicle. 

I have enclosed video which shows based upon Ford Motor Companys own billing statements we were current and acknowledged our most recent payment on XX/XX/XXXX. 

Please see the enclosed link to the video XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have Problems with the manager of the Branch of XXXX New Jersey of Bank of America, where they sold me two machines for my new business for one price and one small monthly fee and they started charging me fees and prices which I do not agreed I complaint because a guy named XXXX XXXX the one who provides Merchant 's services for BoA offer me loans all together with the husband of XXXX XXXX who is the one in charged of the XXXX branch, but they told me I have to keep it secret from the bank, the deal was for the merchant services i will pay XXXX dlls for two machines and a monthly payment for their services of XXXX so far They have charged me over XXXX dlls for this services and they also offer me an extra machine that i never get. i refused the loans from this guy XXXX XXXX and the husband of XXXX XXXX. and then I moved to XXXX XXXX XXXX. I tried to report this events to the manager of BoA in XXXX XXXX XXXX and XXXX his name is XXXX XXXX but he is XXXX and told me cut your XXXX little XXXX in XXXX and made me go back and forth for almost one month and a half XXXX   promise me he will help me with this fraudulent charges and told me he will investigaste all this people. What happened next they have cause me a lot of loss to my 2 business and personal accounts because they arbitrary cancel my 2 business accounts and personal account and they told me it was a business decision and they never investigate this people who have called me XXXX, even tough I am a XXXX guy I do not deserve this by anyone. I want my 3 accounts open back to normal and all of their fraudulent fees back and apologize from XXXX XXXX and XXXX and their bosses whom I spoke with them over the phone and they lie to me and laugh at 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 monetary relief
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 604a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan for any given purpose.

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 2023-07-20
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
A couple of months ago I asked Synchrony Financial to increase my credit limit on one of my accounts with them. What happened next is Synchrony financial decided to close my largest account immediately and then started lowering my available credit on all other accounts with them. I was given email notices that my credit score was too low for them anymore. This has caused my credit score to go down even more due to lack of available credit. I have not missed a payment to them or anyone else in over 25 years. I have XXXX credit lines with synchrony, everyone of them has been affected. This closing account and reduction of credit has lowered my score enough that other accounts have also been closed by such places as staples. Another reason they gave was no real estate on my credit history. I have paid off all my loans on time or early. I own my house, shop, business lot, warehouse, and other lots without mortgages or liens of any type. I believe Synchrony financial may have violated the fair credit act that was instituted after the last financial meltdown. I have never declared bankruptcy or had a judgement against me. When I last contacted them about this I was told that it was automatic and no one there could change anything about the decision. Thanks for your time.

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 2021-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to open business account with my credit union to get my PPP funding and Bank of America has incorrect information reporting to XXXX XXXX as fraud/acct closed/ nothing paid showing to XXXX XXXX. I contacted BOA and there system does not show any of this. BOA says there system shows closed account nothing owed upon closing. They even have record of them sending out XXXX cent refund. They tell me they do not see what XXXX XXXX says is showing and no way for anyone to generate any letter to XXXX XXXX because the system does not show any negative balances due. 

Finally talked with risk manager at BOA who said well send in a copy of XXXX XXXX  reports and go from there. I tried calling BOA risk/recovery depts for fax or email to send paperwork too and all says fax has to come from institution. I go into BOA location and have them fax. I went into BOA and the reps faxed copy of XXXX balance due paperwork to XXXX XXXX then I asked for them to fax copy to their risk and or reocovery depts to be updated with what is going on as stated in above paragraph. 

They proceeded to call the depts to get fax number and both depts gave BOA admin run around like I had been getting back and forth to each dept stating this dept has to handle this, in the end BOA admin had both depts on line together as they spoke and no one had a fax number that paperwork could be sent too. they stated that they were working from home and no fax to give. 

one did provide a address for mailing paperwork to Florida ; however, My loan money is being held at another institution I'm at risk of losing my home and need resolution asap before my funds are returned and i can not get another ppp loan and my family and I will be out on the streets. 

I am even trying to open business acct with BOA so hopefully they can see their own mistake if they too use XXXX XXXX to determines eligibility of getting business acct opened at this moment I am at a dead end and need help sent out to higher up heads within BOA institution. having trouble getting paperwork to BOA to get XXXX XXXX updated. XXXX XXXX will not remove unless they here from BOA. BOA says nothing to update, yet the consumer is losing due to BOA error Consumer is suffering, Consumer will homeless on the streets of Michigan.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Incorrect Please remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have not contacted Huntington at this time due to them not being opened at this time. On XX/XX/2023, I attempted to deposit {$1200.00} to the ATM on the outside of my local branch. I did another transaction of {$380.00} since it can only read XXXX bills at a time. The first transaction read as {$1000.00}. The second transaction was accurate however.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
All 3 Bureaus were notified of the Bankruptcy being reported on my credit report. I sent a procedural letter to each, on XX/XX/2020 to ask of how they were acquiring the Bankruptcy information. According to law, all information obtained is to be reported directly to the Bureaus by direct lenders or parties involved, but the Courts do not. Neither could advise me of who or what source reported my Bankruptcy, XXXX XXXX to them directly. On my credit report, it states no known reporting agency and the Federal Courts do no report information directly to the Bureaus. This direct intention to degrade my credit status has led me to inhabitable living arrangements, limited transportation and minimum income to live. The reporting was never verified and there was never a response from XXXX, XXXX or Transunion.

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 2020-07-25
Company: EQUIFAX, INC.
State: NC
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 WAS REFERRED TO YOUR AMAZING CONSUMER PROTECTION AGENCY BY MY DEAR AND VERY GOOD FRIENDS FROMTHE UNITED STATES SENATOR 'S OFFICE AND THE FEDERAL TRADE COMMISSION OFFICE.I'AM A VICTIM OF IDENTITY THEFT AND ALL OF MY IDENTITY WAS STOLEN AND FRAUDULENTLY USED TO OPEN UP FRAUDULENT ACCOUNTS IN MY NAME WITHOUT ME KNOWING.I'AM STUDING FOR MY XXXX XXXX IN XXXX AND I'AM TRYING TO PURCHASE MY FIRST NEW HOME AND I CAN'T DUE TO THIS HORRIFIC INCIDENT.I HAD AN XXXX CREDIT SCORE BEFORE ALL OF THIS HORRIBLE SITUATION HAPPENED.I JUST WANT MY WANT ALL OF MY DAMAGED CREDIT REPORTS FROM ALL THREE BUREAU 'S CLEAR AND BACK TO MY XXXX EXCELLENT CREDIT SCORE.ALSO I WANT AN REFUND OF THE MONEY THAT I PAID FOR AN CREDIT REPAIR AGENCY TO RESTORE MY DAMAGED CREDIT WHICH IS XXXX   XXXXTHANKYOU AND GODBLESS YOU AND YOUR WONDERFUL STAFF ALWAYS.SINCERELY, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage servicer, XXXX XXXX, notified us that the servicing was being transferred to NewRez LLC effective XX/XX/XXXX. The letter said that by law XXXX had to send us notice within 15 days of that date. We haven't received any notice of any kind from them and it is XX/XX/XXXX today. I called today and the person I spoke to said it took time to transfer the account and that was why we were given 60 days before a payment was late. I asked why we hadn't been notified and she said she was unaware of any laws regarding notice. She said we would get a welcome letter at some point but she didn't know when. I am concerned that they will not get me the information in time for me to make a timely payment and then they will charge me late fees. I have read online reviews that this is what this company does. I want the information I need to make payments and to verify that the amount of our loan and the terms and the escrow are correct. I want it in writing. Thank you! 
I can't give you the loan or account number because I haven't received it from the new mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: CBC Companies, Inc.
State: GA
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 to inform all three credit bureaus that a Florida Department of Revenue sent a letter to show this account was paid in full. The date it was closed. Your agency is reporting that this account was 120 days past due. However, this account was not 120 days past due. Please also be aware that any negative mark found on my credit reports ( XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate correct payment history immediately. The request is to remove the erroneous information with a full deletion. 

1. Delete 120 days late payments ( this is not correct ) 2. Delete this is a government collection account 3. The date when closed is incorrect. 

According, to the Fair Credit Reporting Agency any incorrect information on the credit report is Defamation and a Violation of the Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter of dispute on XX/XX/XXXX and have not received an investigation. I am deeply concerned about the inaccuracies of these items on my report. I have tried calling for resolution but to no avail. Some of the items reported are inaccurate and others are invalid. Requests for validation are not being honored but I get canned responses like " we have a responsibility to report accurate information ''. I am aware of that and I am telling you these are not accurate. Please remove them as soon as possible as it is hindering me from qualifying for a mortgage.

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 2023-06-02
Company: EQUIFAX, 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: Account information incorrect

Complaint:
To whom it may concern, Many of the items on my credit report originated more than 7 years ago and therefore are required by the updated laws and regulations under FCRA as of 2023. The following items include All four collections which are duplicates of other accounts, one of which was paid until my date of departure from the house. 

Please verify age of origination for all accounts and delete all of the old information from my report. It has caused me great damage for a huge portion of my life. I'm now entering my XXXX XXXX with XXXX children to provide for and I'm still being punished for mistakes I made in my early XXXX XXXX. I have paid for many accounts to be deleted. 

I have repeatly contacted all three reporting agencies over the years and still I have never been able to get these old account removed. 

Any account, past the origination age of date 7 years ( not the date of closure ) by law must be removed promptly or I will file suit against all three credit agencies and seek the maximum amount of damages allowed to me by law. Thank you kindly for reading.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I purchased the vehicle and the end of my lease that ended XX/XX/2021. I have a receipt from the credit union showing paid in full on XX/XX/2021. However, Chrysler capital took XXXX weeks to process the payment after the XX/XX/2021 payment in full. After numerous attempts to talk to Chrysler capital they were rude, disrespectful and very inconsiderate. The last person I spoke with said I don't care about your credit report it's not my problem it destroyed your credit and I don't care what your score dropped to. We ( Chrysler capital ) received your payment on time but it took awhile to process everything and it's not our problem. My bank that contacted Chrysler capital tried to speak to them and my bank said wow they are the rudest and uncaring company they ever talked to. The bottom line is Chrysler capital is reporting late payments and the account was never late. I have provided proof of payment on time and the credit bureaus take Chrysler capital side and let them report incorrectly and false information. I don't understand why. Please help with this matter and remove the late payments from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 is reporting my credit usage as fair rating and high impact which is inaccurate.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kept getting denied for credit do to past due accounts, delinquency. I have never had this so I checked my credit reports and Experian is showing me as to having a synchrony XXXX through XXXX as of XXXX XXXX. XXXX wrote it off as of XX/XX/2023 do to no payment made. I spoke with XXXX and they assured me I had never had this card. I had a dispute with Experian that came to the conclusion I was correct and had accurate statements. However this is still on ym credit report. How do I make them take it off??

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 2023-12-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
This account is not mine and has not been used by me. This account is being reported on my consumer report without my consent

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 2023-07-17
Company: TD BANK US HOLDING COMPANY
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: Investigation took more than 30 days

Complaint:
I had an open auto loan with TD auto finance company that has been paid off. However, before it was paid off, my XX/XX/XXXX payment was marked as 30 days late when the payment was called in on XXXX XXXX While on the call the recording stated that the call was being recorded and towards the end of the call I was asked to speak my name again for the recording then the payment was completed. I received a call from Td a short time afterwards informing me that my account was 30 days late. I informed them that Id made my payment but after checking with my bank I was informed that they never withdrew the payment. I immediately made another payment to Td. I asked if they could pull that recorded to call so that they would know the error was on their end. The representative then informed me that although the recoding says the call is being recorded, it only records if you speak to live agents so they wont be able to listen to it resulting in the 30 day late mark remaining on my report. I am in the process of purchasing a house and this late pay marking has been detrimental to my credit. I have any control over TD Auto phone system. Nor was i aware that they were obviously having phone issues as a consumer. I am requesting that the call be listened to ( which will prove the error was on Td part ) and that my evidence of the 5 minute call be reviewed on my billing report from XXXX

Company response to consumer: Closed with explanation