BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
I have recently checked my credit report with XXXX, XXXX, and XXXX and discovered that FORD MOTOR CREDIT AUTO LOAN ACCOUNT that I did not recognize. My credit report 's true and accurate creditworthiness has been damaged by Ford Motor Credit account wrong reporting. I never had account with Ford Motor Credit on XX/XX/2017. I am hopeful that under the laws of the Fair Credit Reporting Act ( FCRA ) you will investigate and send a notification to the credit reporting agencies and original creditor to DELETE the fraudulent information from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The inability to collect real time information by all of the three major credit bureaus and their farming that incorrect information to multiple third party credit reporting organizations creates adverse action severely holding us hostage. Their lack of real time gathering was highlighted in the last complaint you did nothing about. As example report XXXX issued by XXXX XXXX XX/XX/2012 still incorrect and they- even while acknowledging and promising to correct our negative information did nothing. Telephone numbers as the data outdated and not in service, one could go down the list but why bother? Then they have the gall to advise it will take months to update while one languishes. To repeat for these who have trouble comprehending- Yesterdays complaint further proof of the inaccuracy of reporting and their distribution of such to third party entities who provide that outdated and incorrect information continues to hold us financially hostage and unable to do anything where finances are involved. Opinion- for one to actually think you or they would do anything to improve integrity naive. Of course this is NEW and yes pass it becuase frankly you do nothing about the multiple earlier complaints!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I contacted Bank of America because I've been approved for Unemployment benefits and someone has been collecting my benefits and using them from XXXX the total amount is XXXX I'm a single mom and struggling I need that money. I've done over XXXX claims with Bank Of America to get my money back. I was told I need to wait 90 days that is crazy I can't wait that long I'm a single mom of soon to be XXXX kids that can all benefit from this money that was taken from us. I had over XXXX taken from my taxes for an over payment from Unemployment that I never received. Bank Of America is being wrong for this I will reach out to more people and places for help with getting all of my money back! I'm not sure of the card information but this is my second complaint the first one states the card number I was given. I called to check on the status o my claim on XX/XX/2023 and was told my claim was denied and they claim I authorized these transactions you guys messed up & need to fix it. I asked for my case to be reopened because I didn't authorize these transactions nor have I ever received a card from Bank Of America until XX/XX/2023. I have been getting small deposits on my card so far I've gotten two for XXXX and five for XXXX I need all of my money back I've already got in contact with the local news and I will be contacting California State Representative XXXX XXXX tomorrow regarding this issue. Thanks to the local news for giving me her 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 2023-09-28
Company: ALLY FINANCIAL INC.
State: SD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been paying on my car for 6 years now on a 5 year loan. When I pay the balance doesn't go down for months, then only goes down by a single payment. I requested payment history and it only shows the payments not the balances. There is no balance history available online or on the statements. The statements are just bills. I requested balance history but didn't receive it so I have requested it again. I want to know how my interest is calculated, how my payments are calculated, and my balance before and after payment. I have been trying to get all the info I need for 3 months. I am pretty sure I should be paid off by now. I want to know where my money went.

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 2020-06-10
Company: E*TRADE BANK
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Had a Home Equity Loans through XXXX, on XXXX, recorded with the XXXX County Register of Deeds under Liber 3075, Page 904 that was transferred to E*Trade Bank under account number XXXX. I paid this loan off with check number XXXX on XX/XX/XXXX ( see attached copies ). To Date, this loan was never sent to the XXXX County Register of Deeds  as being paid off. I have been trying to get this information recorded since XXXX and continually am being told it was transferred to XXXX XXXX. It was not as I have the documentation showing I paid it off. There was a different XXXX Home Equity Loan that had gone to XXXX XXXX and was recorded as released to the XXXX County Register of Deeds. I have contacted E*Trade about this problem and was told that it was sold to XXXX XXXX XXXX again ... it was not or I wouldn't have the documentation showing my check information and subsequent bills from E*Trade Bank showing my balance is " XXXX '', not that it was transferred to anyone else. I am submitting copies of my documentation showing I was the one that paid it off through E*Trade Bank on XX/XX/XXXX. The response they sent me in XX/XX/XXXX is for a different Liber and Page number for a different loan, not the one under Liber 3075 Page 904 that still shows outstanding. Both HELOC loans I had were paid off, one by MERS and XXXX XXXX under Liber 3428 Page 169 and one by me under Liber 3075 Page 904.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: ALLY FINANCIAL INC.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Ally Financial services. Contacted multiple Family members multiple times discussing debt without consent. Dates and voicemails have all been documented

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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$840.00}, XXXX - XXXXXXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$3100.00}, and XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.

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 2023-11-02
Company: CarMax, Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company communicating payment assistance or payment extension options

Complaint:
My vehicle was repossessed from my enclosure a day before after I told them I would next day air my correspondence. CarMax was asked for a full disclosure of my vehicle and I was not provided that right. I also sent them my correspondence to pay the entire amount and they refused to accept my endorsed bill accordingly to the Bill of Exchange telling me to pay cash money which violates the Bill of Exchange. I am demanding my vehicle back in return along with the title. I followed the law and they are giving me a hard time getting it back. This company is not upholding Federal Laws and this is why I will be exercising all rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
As of XX/XX/23 BMO XXXX  is advertising a 5.20 % APY 6mo CD and 5.50 % APY 12mo CD. I already have a 6mo and 12mo CD with them as well as a HYSA. I applied to open another of each and was declined. In the email it said information may be entered incorrectly and to try again. I reapplied to the same CDs and was declined again. I contacted BMO XXXX over the phone. Their representative told me to generate a consume report with XXXX to verify my personal information matched. I did this and everything I submitted previously matched the report. I resubmitted my application and was denied again. I called them back and the representative said they did not know why the application was denied and there was no path forward. Frustrated with this I called again and was given the same answer that they do not know why it was being rejected and could not escalate of fix the issue. Again I already have 3 accounts with them and ~ {$50000.00} in assets with them. I can not understand why they would reject my application and apparently they can not justify the rejection either. It seems fraudulent to advertise a rate that isn't actually being issued.

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 2023-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I had a capital one credit card opened up in my name over a year ago and there is an outstanding balance in my name that I had nothing to do with. Ive contacted everyone I can and the problem is still there because it comes back to me. Ive never owned a credit card in my life and was trying to get one, but my credit has tanked because of this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: OH
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:
Today, XX/XX/2020 I checked my Experian credit report to find an severely over due account in the amount of {$290.00} from XXXX XXXX XXXX which XXXX XXXX XXXX reported on XX/XX/2020. I called XXXX. XXXX  to dispute the amount and was told {$210.00} of the {$290.00} was for service charge and {$77.00} was due for a cable modem. This is not correct as I paid the {$210.00} in full and I still have in my possession not one, BUT TWO XXXX  cable modems which XXXX  did not pick up as promised before I moved from my prior residence. After speaking with XXXX XXXX today to dispute this erroneous overdue charge on my Experian credit report, I told the representative to document that XXXX  has charged me {$290.00} for TWO MODEMS which I am promptly returning within two days from now.

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 2022-04-27
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There was around {$5000.00} in unauthorized charges to my checking account a year ago. My wallet was stolen with my drivers license and debit card inside and used by an unknown unauthorized person. I have filed a police report and submitted all proof and documentation as required within their timely filing windows. I have spoken on the phone with them many many times with no success. I was told twice that the error was on their end as far as resolution due to a filing error. I was then told this was fixed and refiled and later was told that it was not. Then the account was closed with an egregiously erroneous negative balance due to the length of time that it was taking to get resolved. Now I am being harassed by phone calls about this account which was closed in error, due to being negative for a balance I did not owe. Meanwhile for almost a year now I have not had access to money that was mine in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
random inquires that have just been popping up when i have no business or account with these companies XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX transunion inquiries XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
Sir or mam, My name is XXXX XXXX and I currently have a VA loan with the Newrez mortgage company with a 2 % interest rate. Due to my recent divorce I have been trying to remove my ex-wife from the mortgage through the assumptions process. This process will allow the rate to stay the same and allow my wife and I to save thousands of dollars. Because my loan is a federally backed loan it is eligible for an assumption and is usually granted. If I am forced to refinance, my mortgage will nearly triple and I will be unable to afford my home and hold on to the one thing that hasn't changed for my XXXX XXXX XXXX son. A simple answer would be to sell the home but due to my job I have to reside in the city. 

According to the Newrez website this process takes 6 to 8 weeks. I have been trying to get it approved for 8 months now with hardly a word from the mortgage company. They do not have a phone number for the assumptions department and only correspond through email. Because of this, they answer you at their will without any regard for peoples lives. I received an email from them on XX/XX/XXXX stating they would approve the assumption but I can not take out an equity loan to pay my wife her share of the equity and I can not borrow the money from anywhere. I certainly do not have XXXX sitting around that I do not know what to do with. I have come to the conclusion that Newrez purposely drags there feet until you give up and refinance anyway. They continue to do this while sending me emails daily asking me to take out an equity line as I have XXXX in equity in my home. 

At this point I am stuck and do not know what to do. I am hoping exposing them will stop them from leaving peoples lives in the balance. My ex-wife is currently unable to purchase a new home until I can remove her from my mortgage and give her share of the equity of the home. Myself, my ex-wife, and most importantly my son have been through enough during this process and I don't think its right that a mortgage company can hold us up from moving on with our lives. I am hoping this story interests you and you can help in some way. 

Thank You, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Since XX/XX/2021 I have been trying to close my IRA account and they keep saying they will close my account and send me a packet to fill out and they havent. It has been a month now and they wont release my money or send me my packet. Please help thank you.

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 2023-11-02
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was alerted through my credit monitoring service that Columbia XXXX XXXX was reporting that XXXX XXXX XXXX in XXXX Georgia is reporting that I am in default for a lease ending in XX/XX/2023. I never lived there, never leased an apartment there. My information appears to have been used, but I never engaged XXXX in a lease. I requested the signature of the account and copies of the intake forms. They have not been provided. This report is additional damage to my credit. I have sent documentation of my electric bills to show where I lived during the period stated in the claim. This report is not accurate and I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 am filing this complaint to EQUIFAX there are errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction. 
I have also attached my FTC report with the report number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: DISCOVER BANK
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, My discover account was abruptly closed without prior notice.Discover gave me reason as ''they were unable to verify personal information on your account. ' I provided them all the info and also signed sign Consent Form 4506-C .It will effect my credit history because of their abrupt closure.Please help me in this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation