BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-22
Company: FORD MOTOR CREDIT CO.
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:
I received a response from Ford Credit and I am not satisfied with the response from Ford Credit. Ford Credit denied my request to remove a 30 day past due on my credit report. I attempted to make a payment using my phone and I thought the payment went through to my knowledge but it didnt as I later found out. Ford Credits website has been down multiple times over the past couple years and I believe this was the source of the problem. When I finally found the error in nonpayment - I posted a payment that was I believe 31 days late and I paid the current bill. I recently changed my cell phone and Ford Credit was unable to reach me to notify my of the late payment. Ford Credit is purposely trying to keep this damaging information on my credit report when I was only 31 days past due.

Ford Credit is not being truthful when it states the customer has received two invoices to advise of the account 's need for payment. No late payment notices or invoices were sent to my current or previous address. I have never been 30 days past due on any of my previous payments to Ford Credit in the past 4 years nor have I been late on any bills for the past 10 years. It is disheartening to learn Ford Credit has such a hardline attitude towards the circumstances of my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: LDF Holdings, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hello. My name is XXXX XXXX XXXX. I am a United States citizen for a very long time.. but last year of XXXX, I had to take out a Loan from a company called LoanAtLast, based in Wisconsin. Everything was very well transacted and legit. Months went by and I did not repay them and so the total balance reached a total of {$650.00}. When the pandemic hit in Early XXXX, I was not able to repay it because I was laid off from work at the time. So I kept getting calls from the company until one day, I received a very suspicious email saying I will be sued by this company and a so called attorney represented himself from that fraud email as he was using my personal information from the company LoanAtLast to represent himself and seek that compensation for my loan. Finally, I called the company and they told me that there is no such thing as an attorney ever contacting me ever and that they will never sue me BECAUSE of the pandemic and the global issues ... the " attorney '' wanted my debit card information, but when I called Loan At Last, they have already transferred my debt into a collection agency ... called XXXX. I have made my first payment to that company so I can start clearing the debt, but the attorney is representing a whole different amount owed which is obviously a scam ... 

My email : XXXX Scam email : XXXX I have contacted the original company which is LOAN AT LAST He ( the mysterious attorney needs to be investigated for fraud and scam ) needs to be seen and caught as he is asking me for personal info regarding a loan I have using my info and the company 's info! 

When the scam attorney " XXXX XXXX '' charged my card the first time, it came up as XXXX, XXXX XXXX XX/XX/XXXX PURCHASE XXXX XXXX GA Maybe this is the person and his phone number RELATED TO THE SCAM! Please adress this accordingly and make him pay for what he is doing to many others! he is using the Covid-19 pandemic to his advantage. Thank you! 

Contact me for further details please : XXXX I want to help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: RoundPoint Mortgage Servicing LLC
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 status incorrect

Complaint:
XX/XX/2020 I recieved 6 credit alerts saying I closed my mortgage account and it took XXXX points off my credit score. I never closed my account. RoundPoint Mortgage transferred my loan to XXXX Mortgage XX/XX/2020. This the second time my mortgage has been transfered from Primelending to RoundPoint and that didn't affect my credit score. My credit reports shows I have no mortgage loan at all {$0.00} balance. From my understanding mortgage transfers are not suppose to have an impact on my credit score. My payments are current.

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 2020-06-27
Company: Experian Information Solutions Inc.
State: SC
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF 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 2019-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed with Capital One and I have a XXXX balance on my credit report, it has also been on my account for seven years and it needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I set up 4 accounts for my children, 2 youth savings and 2 youth spending. I transferred funds from the same bank into the new accounts. I have only had access to one youth spending and 1 youth savings. No statements were provided online or USPS. The original transfers took place on XX/XX/2017. I have spent over 40 hours on the phone with the banking institution and they still have not resolved the matter. We are missing a total amount of {$950.00}. Over the last year of numerous phone calls the bank has informed me that the money that was transferred has been spent and the account is now closed. I have a claim number and proof of transfers. Per federal guidelines I am understanding that some type of statement needs to be delivered and or I need to have access to a minors account which I have not. The banking establishment is USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX {$300.00} XX/XX/XXXX I disputed this because I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. I didn't open this account. I disputed this with XXXX XXXX and Transunion, yet it has not been removed or resolved.

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 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
IVE SUBMITTED LETTERS TO THE CONSUMER REPORTING AGENCIES REGARDING SOME ACCOUNTS REPORTING ON MY FILE. THEY ARE VIOLATING MY CONSUMER RIGHTS UNDER 15USC1681A ( 4 ) AS I HAVE A RIGHT TO PRIVACY. THEY ARE ALSO VIOLATING 15USC1681A ( 2 ) B AS I HAVE THE RIGHT TO EXCLUDE THESE ACCOUNTS THAT ARE REPORTING ON MY CONSUMER REPORT AND UNDER 15USC1681N THEY ARE NOT COMPLYING WITH ME AS THE CONSUMER.

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 2021-07-19
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:
Equifax has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Equifax because my character has been defamed. I demand that these inquires below be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm contacting your company again because I just checked my credit report and now Equifax is also displaying fraudulent account balances to lower my credit score. Equifax is retaliating against me everytime I contact your company for help with fraudulent credit inquiries and accounts that the put under my name to lower my credit score. Now they are purposely reporting fraudulent balances on my XXXX   XXXX XXXX card in which they lowered my score 30 points because I had a so called balance of {$58.00} which is not true and I have attached supporting documentation because I have a XXXX  balance. They also lowered my score another 40 points for fraudulent accounts which are XXXX XXXX XXXX with a balance of {$420.00} and that shows up twice on my credit report once in abbreviation and XXXX XXXX XXXX   which these accounts are fraud and I want them removed from my credit report at one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: ERC
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a written demand from ERC on XX/XX/2020 with details as follows : *Reference number - XXXX *Alleged original creditor - XXXX  XXXX   *Amount demanded - {$78.00} I responded in writing in a letter sent by certified mail to the address accompanying the demand ( XXXX XXXX   XXXX, XXXX. XXXX, XXXX, PA XXXX ). In the letter, I gave written notification that the debt is not mine, requested an accounting, and gave details on when and how to best reach me. 

According to the information received from USPS that ERC refused to accept the letter, and it was returned unopened. 

Such refusal appears to be a bad faith tactic to frustrate efforts to invoke the protections and rights of state and federal consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
MRS BPO LLC, Inc. uses tactics like using caller ID spoofing calls.These spoofed calls ( have same area code and the first 3 digit similar to my phone number ) call me as early as XXXX pst. and they called a dozen times a day for 3 to 4 consecutive days before they actually used a legit or real phone number ( XXXX and XXXX ). When they called or leave a message with a real phone number. Conversations and messages are about the seriousness of a legal matter and if I don't respond, they threatened to garnish and withhold my SSA payments. Send CEASE and DESIST messages by text to both real phone numbers of MRS BPO LLC, Inc. on numerous times since XX/XX/2020 but to no avail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
IVE SUBMITTED LETTERS TO THE CONSUMER REPORTING AGENCIES REGARDING SOME ACCOUNTS REPORTING ON MY FILE. THEY ARE VIOLATING MY CONSUMER RIGHTS UNDER 15USC1681A ( 4 ) AS I HAVE A RIGHT TO PRIVACY. THEY ARE ALSO VIOLATING 15USC1681A ( 2 ) B AS I HAVE THE RIGHT TO EXCLUDE THESE ACCOUNTS THAT ARE REPORTING ON MY CONSUMER REPORT AND UNDER 15USC1681N THEY ARE NOT COMPLYING WITH ME AS THE CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
not long ago i approached my lender company to assist me with lowering down my monthly mortgage payments, making them aware that i had lost my job and was not able to keep up with the current payments as i clearly began to fall behind on my mortgage. for months i went along with providing them documents needed. when they gave me the call to provide me the GREAT news i come to find out all they did was raise my payments higher by XXXX   dlls. i dont understand how that makes sense in any way. i made my point very clear that i was having financial issues and all they did was make my payment go higher. i am now trying to apply again or them to lower my payment and they refuse to review my financial situation or mortgage at all. i have not made a payment since they gave me this ridiculous modification because i literally was not able to do so in the past i most definable can not do it now XXXX  more than what it was. at this point in time they refuse to help me and i am seeking all help possible for me to not be left on the streets. this is my home i worked very hard for and last thing i want to happen is to loose it because i was granted a higher payment that i can not afford. PLEASE HELP ME

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My saga begin XX/XX/2021 when I innocently open an online account. 
The opening of the account was fairly easy - I receive an email notification, log into my account and as suggested I transfer funds into the account. About a week later I wire more funds into the account. 
A couple of weeks later - when I am outside the US and I can't log into my account. I call TD, after being bounced around - they tell me I need to verify myself personally ( why have an online account you ask - good question ). I explain to them, that I am out of the US and am stuck because of the pandemic. They say no problem. Silly me I believe them. 
Come XXXX I am still out of the US - ( but my physical mail is forwarded ) - I see my account is closed. Why - I don't know. No communication, no email. NOTHING. 
Once again I call customer service and am bounced around. No one seems to know what to do. The folks mean well, but are useless. They said go down to a branch when you get back - they will help you. They also mention the mysterious demarketing department ( like area 51 ) - who I call - but no one ever answers or returns my phone call. 
Fast forward to today XXXX XX/XX/2021 ). I am back in the US - I go down to a local branch ( XXXX XXXX XXXX XXXX NY ). I speak with XXXX. To say they are unhelpful is the understatement - they throw me back to the XXXX number. I press them and they give me a XXXX number to call the demarketing department - ( remember I did call them - they never called back ). I tell him they never returned my call. He says sorry!! 
I sit in the back over 2 hrs on the phone w/customer service. I am tossed around like a sack of potatoes. No one can help. No one can return calls. Is this customer service in our day and age??? 
TD Bank basically stole about $ XXXX from me and I can't figure out how to get it back. 
I have done some research and apparently this is a known problem. 
Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reached out to Transunion several times about these inaccurate collections that's reporting on my credit report.They sent me a letter stating they verified the information.they did not send me the original documents that was signed in which violates my hippa rights, At this moment I'm not threating to take legal actions against Transunion.I will because i have the paperwork to prove they have violated me as the consumer and made false allegations to keep this reporting on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This complaint is against JPMorgan Chase Bank. 
I opened an account around XX/XX/21 made a deposit of {$1200.00} on XX/XX/21 account restricted called loss prevention several time had to verify my identity, did that still restricted, went to institution asked why my account has been restricted, All representative of JPMorgan Chase Bank stated " back office restricted and they don't tell us why ''. Following day I Called loss prevention agian, the restriction was lifted, account then restricted agian on XX/XX/21 after an unauthorised transfer was attempted by JPMorgan Chase bank on XX/XX/21 that was scheduled for XX/XX/21 costing me {$15.00} NSF fee from my account atXXXX XXXX XXXX my account has been restricted since XX/XX/21, I have not had access to do any transactions to the present date of filling this complaint. My present balance was {$1300.00}. On XX/XX/21 I called to check my balance and was informed by automation my account balance was {$950.00} I had no pending transaction nor was I able to perform any transactions. 
On XX/XX/21 an XXXX XXXX " branch complaint escalation group '' contacted me and said they closed my account and would be mailing me a check in 7 to 10 business days. As of the date of this complaint, I have received nothing with no communication from JP MORGAN CHASE BANK. 

Please see list of contacts and dates documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: MA
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 letter is about the following accounts : XXXX XXXX XXXX # XXXX, which you claim, I owe [ {$57.00} or my account was charged off {$57.00} ]. XXXX XXXX XXXX # XXXX, which you claim, I owe [ {$440.00} or my account was charged off {$440.00} ] .This is a formal notice that your claim is disputed. 


I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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