BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-20
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Rocket Mortgage/Quicken Loans like to do the bait and switch. I applied for a XXXX mortgage loan. I was then contacted by XXXX XXXX who said that he would need to run my credit and upon finishing that, I was PRE-APPROVED! Now to ensure everything would be ready when I found my dream home, I would need to submit all my documents and provide all my personal information to go ahead and close on the loan now. I was quick about providing everything and they even set me up with a realtor to " start looking for my dream home ''. I decided to download the app to stay on top of everything and found the loan amount to be around XXXX. I immediately called XXXX and asked what was going on because we discussed XXXX but that is not showing on my portal. He put me on hold and " pretended '' to be confused as well. He then tells me that my credit does not support a XXXX loan and it won't be able to be closed. Why was this not disclosed before I provided all of my personal information and documents? 

I ask XXXX why this happened and why he was not honest about the amount I was pre-approved for and he states that the change happened in another department. What?! It made no sense. Needless to say, I ended my business with them immediately. A month later I get a text asking for permission to run my credit to get me to closing ... .what??? You guys are trying to trick me again, I tell them they do not have permission and that I did not appreciate the bait and switch just to gather my most sensitive and personal information. The " senior '' specialist named XXXX XXXX said he was " Sorry I feel that way. '' I informed him it was not a feeling but what actual transpired. I am filling this formal complaint so others are aware of these unethical practices. No one should be lied to, just to gather personal information and then offered almost half of what was originally offered via " pre-approval ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I requested documentation asking them to show me where I signed a contract with them ( I.Q. Data International , Inc ) and I asked them for proof that they are legally authorized to collect in the state of Georgia and balance breakdown of ALL charges. Theyve violated my consumer rights under the Fair Debt Collection Practices Act 15 U.S.C. 1692 ( g ) Section 809 ( b ). I was also violated because under U.S.C. 1681 Section 602 ( a ) states I reserve the privacy and I asked for them to remove this from my credit since I didnt give them written consent to furnish this account, under U.S.C . 1681 Section 604 ( a ), this is my right and Ive been violated by this company. This company is also violating me because they arent even licensed to collect debt in the state of Georgia. I didnt get any of the information I requested from this company to show prove that they arent violating my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25
Company: BAM Management US Holdings Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
MyXXXX ADA were sold into USD without my permission on XX/XX/2021 in my Binance.us account, and my account was disabled since then. I can't trade, withdraw and deposit since then. I was not able to sell my cryptos before the market crashed and it caused me huge losses!! It has been one month since I submitted twoinquiries on XXXX and I still haven't received any responses from Binance.US.My support ticket numbers were # XXXX and # XXXX. This is unacceptable!! 
Back on XX/XX/XXXX, I made a direct deposit of {$5000.00} from my XXXX XXXX  checking account into myBinance.USaccount. Immediately after I made the submission, I received a deposit failure alert with a message saying my bank account might don't have enough funds. This was odd to me because I had much more than {$5000.00} in my XXXX XXXX  account at that time. I had also performed 7 prior deposits and did not experience any issues then. After receiving the alert, I followed the instructions to deposit my cryptosin an attempt to solve the problem, but it was unsuccessful. However, XXXX XXXX  confirmed that {$5000.00} had been successfully transferred from the bank toXXXX XX/XX/XXXX. On XX/XX/XXXX I submitted inquiry and asked toinvestigate thisissue. Ticket number is # XXXX. No response. On XX/XX/XXXX, I requested to investigate the {$5000.00} again. I didn't hear back fromBinance.us. On XXXX I sent another inquiry to Binance.US and still no response. On XXXX I disputed in XXXX XXXX  andfinallygot my {$5000.00} back. But On XX/XX/XXXX I received an email fromBinance.US regarding I had a returned deposit and I should deposit {$5000.00} within 7 days to bring my account into good standing. This is ridiculous.The Binance.UShad totally messed up my account. The customer service is horrible. Please help me and investigate this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Trident Asset Management, L.L.C.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After reviewing my report, I noticed that this account is still on there, and it was supposed to be deleted. I further notice that the information that is reporting on there is incorrect and not accurate at all. 

Also the amount reporting is incorrect. 
The dates are all wrong. 

I have also noticed that it states that the company claimed this as a loss of assets which means they receive compensation for it and now its trying to make me pay again to receive double compensation which means this is a fraudulent claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XXXX, XXXX I bought my car in Hyundai dealership in XXXX XXXX XXXX, NY. I bought the car as a finance. In XXXX of XXXX I moved to Florida. I went to the DMV in Florida to switch my license to my Florida address and to register my car to get new plates. That is when I discovered that my car was registered as lease instead of a finance. I could not get new plates for my car without the title of my car. I reached out to the Hyundai dealer in XXXX XXXX XXXX and found out that the location closed. I reached out to other Hyundai dealerships and was transferred to so many people that could not help. They told me to reach out to the DMV in XXXX. After countless phones calls and a written complaint form I was told by DMV that all I needed was a letter from Hyundai to say that I can register the car and for Hyundai to give me a certified copy of the title. I reached out to a person in Hyundai that has been helping me and I told him that this was all I needed. Every time I reach out to him he tells me to give them another week. I have been dealing with trying to get my title for over a year now. I do not know what else to do. I have to depend on others to take me to my doctors appointments and to take me shopping. I have to pay XXXX  to take me places which is getting very expensive. I am paying for my car and for insurance for car that sits in the garage. I don't understand how Hyundai can not fix a clerical error that they did. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: CITIBANK, N.A.
State: IL
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:
Exxon Mobil/Citibank is reporting inaccurate information to the Credit Bureaus XXXX I disputed this information with the Credit Reporting Agencies who report that Exon Mobil/Citibank attest that the reporting of the account is accurate. To that end, I disputed the item directly with Exon Mobil/Citibank and they again attested that the reporting is accurate. The account is listed as having been closed on XX/XX/XXXX. This closed account was listed as 120 days late two months later in XX/XX/XXXX. The account also is listed as both Settled for Less Than Full Balance and Paid in Full, the account is in fact Paid in Full. As stated, Exxon Mobil/Citibank has now verified that this reporting is accurate with the credit bureaus and all subsequent responses.

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 2020-08-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA
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:
On CHEX SYSTEMS REPORT there is a bank account that is reporting and is not mine and is very noticeable and verifiable because it show the last 4 digits of the social security to NOT match mine. This bank account has the same name and DOB but of course different social security numbers because we all have our own social security numbers. I disputed with Chexsystems and they claim that the negative reporting of the bank is accurate, because the bank CLAIMS that when this negative bank account was opened, the social security number they are reporting on my Chex systems report is what was used to open the account. They are claiming that just because we have the same name and DOB that this account is mine, which I CAN'T UNDERSTAND why if the bank is showing a total different SOCIAL SECURITY NUMBER than mine. Last 4 numbers are all different. So here I get stuck on my Chex systems report, reporting a FALSE account which you can clearly see that the ss number is different reporting on my report. If Chex systems can VERIFY themselves and clearly see that those numbers are incorrect why don't they remove that information? That is against the law to report something that is not yours on your credit report. Chexsystems refuses to remove it just because the bank says that it is the social security number that was used at the time the account was opened. I clearly understand that but shouldn't it be reporting on the person who has my same name and same DOB but DIFFERENT SOCIAL SECURITY NUMBERS? This is how people are different from every person who has the same names and same DOB and same addresses is by our SS Numbers. Remove this account Please.

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 2018-04-21
Company: EQUIFAX, INC.
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 belongs to someone else

Complaint:
On XX/XX/XXXX, I sent a certified letter to Equifax disputing an account XXXX XXXX that does not belong to me and requesting a complete and thorough investigation by Equifax according to the FCRA and FDCPA which Equifax failed to do. Again on XX/XX/XXXX I sent another certified letter requesting another re-investigation which Equifax failed to do. Both letters were signed return receipt by XXXX XXXX. Within one week after my second letter dated XX/XX/XXXX I received my credit report from Equifax which stated that the account was already verified and so the charged off account, XXXX XXXX account remained on my credit report. I requested information from Equifax on how the investigations were completed based on the Fair Credit Reporting Act and all applicable laws and statutes that applies to my DISPUTE. Equifax failed to comply with these statutes and laws in regards to the disputed XXXX XXXX account. I made it very clear that the account does not belong to me. Based on Equifax erroneous reporting, I am not able to get a student loan to continue my education and this has caused me serious financial hardship and my ability to get an education and earn a living. I have enclosed and faxed all pertinent information as evidence. Equifax has ruined my life because of this inaccurate and erroneous information. ( XXXX XXXX account on my credit report ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
In XX/XX/2023, Capital One closed my credit card account unexpectedly. At the time my account was closed, I had been a client with them for XXXX years. In that time, I had never missed or made a late credit card payment. Once my account was closed, Capital One made my entire balance of {$10000.00} due and my minimum payment amount increased. The amount was not a manageable amount for my financial situation, so I contacted customer service at XXXX on Monday, XX/XX/2023 and requested a payment arrangement. I was told that since my account was closed, they were not going to grant me any arrangements and the minimum amount would need to be paid. Then, on XX/XX/2023, I wrote the CEO ( XXXX XXXX ) by email and was contacted by his staff who also denied assisting me with a payment arrangement or credit reporting goodwill adjustment. 

Capital One reported a " 30 day late '' payment status in XXXX and a " 60 day late '' payment status in XXXX. These late payments are a direct violation to the FCRA consumer law 15 USC 1681 ( d ) ( 2 ) ( A ) ( i ) which states that the consumer 's credit report is exempt from sharing payment experiences or transactions between the consumer and the creditor. Capital One is in direct violation of this law and refuses to change the payment experience they reported to XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX has violated my rights on my Experian credit report. In accordance with the FCRA immediately delete this account from my consumer credit report. 
15 U.S.C 1681 section 602 A : States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 explanation
Consumer complaint received 2018-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
TransUnion credit report has 2 names listed. One of them is incorrect. Not 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 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account.

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 2021-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital One is acting in bad faith in resolving XXXX XXXX dispute originally I sent them corresponding emails and letter in regards to XXXX XXXX not following through with are written contract as well XXXX XXXXl @ that time was not operating with proper insurance and bond to handle/store household items I immediately took possession from one of there XXXX XXXX XXXX and cancelled my agreement and put company on notice immediately and provided hard evidence of such, Capital One immediately gave me provisional credit months later Capital One took back the credit overdrawn my credit limit with 2 frivolous responses, quote I did not provide information they required XXXX XXXX  not to mention Capital one has denied credit increases on my secured line of credit different account as well failed to refund me me secured amount as I have excellent history, because all this it has caused my XXXX  Scores to go down and they are in-properly reporting high limits to hold me XXXX and preventing other companies to approve credit this is a tatic Capital One Adopts to monopolize the industry

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Barclay 's Bank Delaware has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2023-07-18
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have proof that I signed up for auto payments on XX/XX/2023 in preparation for the student loan repayments to begin XX/XX/2023. I log into my bank account and did not see the auto payment drafted, so I log into my Nelnet account and see that they have marked me as past due. However their website clearly states I am enrolled in auto payments, have been enrolled since XX/XX/. In attempts to speak to someone my call was randomly dropped multiple times, their wait time is 2+ hours and they are providing zero extra assistance. I am hesitant to process another payment and they overdraft my account. As of XXXXXXXX XXXX XXXXXX/XX/2023 I can not log into my account and process a payment if I wanted to.

Company response to consumer: Closed with explanation