BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-09
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have had a Diners Club card for years and I am a member of their Club Rewards program. I went to their website to redeem points and selected ( 1 ) {$100.00} eGift Certificate to XXXX XXXX and ( 1 ) {$50.00} eGift Certificate to XXXX 's. The prices displayed for these were XXXX points for the {$100.00} eCertificate and XXXX points for the {$50.00} eCertificate. Once I checked out to finalize the redemption the final cost in the cart for the {$100.00} certificate was XXXX points for the {$100.00} ecertificate and XXXX for the {$50.00} eCertificate. I called the Diners Club Rewards customer service and they informed me the last statement covered the increase for the eGift Certificates and the price listed on their website was wrong. I had n't seen the notice in the last statement. I informed the customer service rep that their website is mis-leading. She spoke to a supervisor and they informed her I had to redeem the extra points even though they were informed the website was not correct. I did redeem but I wanted to bring this to the attention of the regulatory agency.

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 2019-05-31
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear CFPB, I have recently requested my credit reports from the credit bureaus where I found three inaccurate and unathorized accounts on my credit profile from COMMONWEALTH FINANCE each in the amount of {$1100.00}. These accounts were removed XXXX of 2018 after contacting the XXXX, by the collector and has been replaced by said debt collector. I have contacted the to XXXX  regarding these accounts and submitted police reports of identity theft to the previous collector. I have also requested proper documentation to validate said debts. The collection agency has failed to provide satisfactory proof that I own this debt. under FDCPA, if the collection agency doesn't validate the debt, they are no longer to report to the credit bureaus or contact me about said debts. 

These accounts are not only hindering me from getting credit, they are seriously hurting my credit profile I should not have to suffer because of identity theft. I am asking for your assistance in getting these medical bills deleted from my credit report. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
this is reporting incorrectly my account. should be remove. XXXX XXXX XXXX does not belong to me XXXX/XXXX  XXXX  XXXX  Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Open Account Balance on XX/XX/XXXX, XXXXLoan Amount {$0.00} {$28000.00} XXXX XXXX XXXX  Account number XXXX Account statusClosed Date opened XX/XX/XXXX Account type RevolvingBalance on XX/XX/XXXX Credit Limit {$0.00} {$20000.00} XXXX XXXX XXXX  XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00} {$65000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Loan Management services is charging me outrageous fees because I pay my mortgage on the last day of the month close to {$200.00} in fees. These fees should be illegal and they acquired my loan which I did not want. This company should be shut down due to fraudulent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: American Credit Acceptance, LLC
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 a loan with AMERICAN CREDIT ACCE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and AMERICAN CREDIT ACCE with no successful resolution. XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: 1st Franklin Financial Corporation
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: Account status incorrect

Complaint:
First Franklin is reporting a charge off on my credit report. The account was delinquent, and we agreed on a settlement amount. After I received my tax refund, I paid the agreed upon amount. I honestly did not know the settlement was supposed to be listed as " settled in full '' until a lady at the bank told me yesterday when I was trying to co-sign on a car for my daughter.

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 2019-05-31
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was looking over my credit reports recently and noticed a debt from this company which seems to be a debt from some apartment complex. I never lived at that apartment listed as I have been living at my current address for over 2 years. I tske mt credit very seriously and I have filed an identity theft report with the FTC that I will include with this complaint. f this matter is not thoroughly investigated and this debt that that does not belong to me.I will not hesitate for to file an immediate lawsuit against this company and provide the proof to the courts that I have been living in my current address for about 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Dynamic Recovery Solutions, LLC
State: FL
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:
on XX/XX/2022 i file a dispute with DYNAMIC RECOVERY SOLUTIONS several times actually because this account is not mines and it wasn't me who open this account. Member denied all my disputes i filed. I also called them to explained to them that my identity was stolen and several different accounts was open with my name and they told me i would still have to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
State: UT
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 have sent several disputes to each on of the credit bureaus : XX/XX/XXXX Experian & XX/XX/XXXXand they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes.

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 2019-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
I got a credit card from capital one. when it hit my credit, it dropped my XXXX  65 points and my XXXX around same amount. i called and ask them about it and they said they dont know. ive emailed them about it and still cant get and answer. i have never had my credit score below 600 and this is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have an account with Coinbase XXXX  and have significant XXXX figure holdings for digital currency. I have been accessing my account from either my phone or laptop. In XX/XX/2021, suddenly I couldnt login into my account using my face id and stored password was also deleted. I tried to retrieve my password using retrieve password option but in my email, i recieved the response that said, that password couldnt be reset as I am trying to reset it from an unrecognized device. This device I used was my phone and my laptop which I have been using to succesfully login for last few years. 
On XX/XX/XXXX i submitted online customer service request highlighting this issue. 
Case # XXXX. I received a brief response asking for - Device you are using, including model number - Version of the mobile app - Version of your mobile device software - A screenshot of the error message/bug ( if possible ) - Steps taken to reproduce the error message/bug - Any additional information All the information was provided but after that i didnt receive any response for a few weeks. 
On XX/XX/2021, I again filed the issue with customer service : Case # XXXX and referred to the previous case. No response has been received to date. 
I then filed a complaint on XX/XX/2021 Case # XXXX - Complaint # XXXX describing unresponsiveness and my stuck assets. 
I have not been able to access my assets because of the unresponsiveness of Coinbase. I am not able to do any transactions. I am in need of money but can not access my account. This is a significant amount of money. Please help/ There is no way to contact Coinbase because they have no phone customer service or any live person to talk to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-18
Company: Harley Davidson Financial Services Inc
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I am a military spouse, my wife joined the XXXX in XX/XX/XXXX and is currently serving on XXXX XXXX. I purchased a motorcycle in XX/XX/XXXX. Harley Davidson has denied me a lower rate under the scra and MLA. I have multiple emails from XXXX I have sent in my wife 's orders, the scra and MLA and I have been denied. I have also sent them every letter from other agencies showing they have provided me benefits under both the scra and MLA. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
I started a chapter XXXX bankruptcy in 2018 which included XXXX ( formally known as XXXX XXXX XXXX XXXX XXXX. I completed the bankruptcy and it was XXXX. During court proceedings, XXXX did not appear at the meeting of the creditors to contest the filed bankruptcy and the debt was XXXX. Since the discharge of the debt, the company has changed their name and the debt has still been reporting to my credit. As of today XX/XX/XXXX, XXXX  has reported me being XXXX  days late on payments to this non existent account. This has down extensive damage to my XXXX XXXX. I am also including documentation from the bankruptcy showing that they have been 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 non-monetary relief
Consumer complaint received 2020-12-07
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Wayfair terminated their contract with Comenity Bank on their Wayfair store credit card. Consumers were provided a letter in XXXX advising account holders that accounts would be closed due to the termination of the contract between Wayfair and Comenity. Because of the way it is being reported to the credit bureaus, it has drastically reduced my credit score. Their prior credit card holders are being negatively affected, in the middle of a global pandemic, due to a business decision between two corporations.

All of my payments have been made on time, taking advantage of the no-interest financing. Regardless of my exceptional payment history, my score has dropped 75 points due to their decision. 

I am asking that this be reported differently to credit bureaus when it is no fault of the account holder. There should be the ability to show the account closed due to the contract termination between a retailer and their credit card company. See note below. It is not just an inconvenience, it severely damages consumers ' financial health. 

" The Wayfair Credit Card Program, issued by Comenity Bank, will be ending. You can use your Account through XX/XX/XXXX. However, rewards that you've earned through XX/XX/XXXX can be redeemed until XX/XX/XXXX. For any questions, please contact Comenity Bank Customer Care at XXXX ( TDD/TTY : XXXX ). We apologize for any inconvenience. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Self Financial 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:
Repetitive payment history continues to be displayed as inaccurately reporting on numerous accounts I have reached out to self with no deletion There's ( 3 ) days ( 2 ) 60 days, then a closed account after payment. I would think this would be a good reason to dispute because it's inaccurate. You can only be 60 days, 90 days, or 180 days late once in a row I want all self lender accounts removed from all three credit bureaus immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: JPMORGAN CHASE & CO.
State: ME
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:
So the end of XXXX I was notified of a large charge added to my credit report and I looked into it to find out XXXX dollar was used on a gaming system I did not make. I called Chase put a claim in they removed the fraud charges. 30 days later they readded charges said it was valid because public records shows im married to the person who used it. I have never been married ever! I Called them immediately on XX/XX/XXXX and argued that I have never been married they said because I knew who used it I was held liable. I stated thats not fair i did not give them permission knowing them or not and appealed it. Chase refused to help so I investigated myself. I reached out to the person who used my card they told XXXX they didn't have permission and XXXX has taken all services paid for with my card and suspended the account yet chase is still charging me for services that are not even available and claim I benefited which I have not. I will not pay for services I didn't buy and now I can't use. They will not help me at all ive emailed fraud many times as well. My credit score I worked hard on keeps taking hits due to this. Chase has been horrible so I'm supposed to pay for services I don't have nor did I authorize? XXXX even seen that and took all services away and banned the account so anything bought off my card is gone and not usable. I have nothing the XXXX dollars paid for and i didnt do yet im supposed to pay not ok. I'm XXXX, I've never had a worse experience with any place. I have 8 credit cards and I've never had an issue and always had excellent credit. Chase is unfair and it's not even about it being fraudulent its now no services were rendered or can be used yet I have to pay no that's theft. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: EQUIFAX, INC.
State: KS
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:
Was not notified of investigation status or results that I requested in the dispute I mailed. Credit Bureau refused to block item although it remains unverified and they never sent me proof of the instrument mandated that the credit bureau have as per FCRA Section 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
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: Information belongs to someone else

Complaint:
i HAVE SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Source Receivables Management LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The account is appearing on my credit report, i have disputed this account more than once. Once it was removed it was put back on my file with a different name. Its causing damage to my credit profile and the debt doesnt belong to me. 


Source Receivables Management # XXXX Account owner : XXXX XXXX XXXX {$440.00} 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 2019-02-22
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Direct deposit of both my private employer payroll and my federal deposit were lost entirely this morning ( XX/XX/XXXX ) despite showing as scheduled transactions yesterday ( XX/XX/XXXX ). While I am aware of an alleged technical malfunction causing widespread deposit delays, this was only mentioned in XXXX commentary made by Navy Federal Credit Union. No formal statement was issued on any platform. The customer service number they tell you to call is not working. Any form of contact to verify the issues and find out a timeline for resolution are met with a blanket statement telling members to call the malfunctioning customer service number. Further inquiries are then ignored entirely. This is grossly unacceptable - especially when dealing with hundreds of thousands of federal employees financial livelihoods. Further, this is not the first such service and funds accessibility delay in the last 3 months. These issues need to be effectively and permanently resolved and NFCU needs to be transparent with their members about access to our money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company AFNI is putting a collection account on my credit report for a debt that is not mine. They listed the debt for 2017 from XXXX XXXX however I have not used their services

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: JPMORGAN CHASE & CO.
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:
In XX/XX/2020 someone who lives in XXXX XXXX CA used my identity to acquire credit cards with a limit of {$19000.00} from JP Morgan Chase. I do not have an account with JP Morgan Chase. I received notification through ProtectMyID. I contacted Chase to let them know it was identity theft and that I actually live in XXXX XXXX CA, 75 miles away. 

i also received notification from XXXX XXXX that the same person took out a personal loan in my name. Once we went over my personal data they realized it was fraudulent and closed it. They also sent me an XXXX report showing my complete credit history. It included the address of the fraudster as one of my addresses. The report also said re the Chase account " Account closed at credit grantor 's request ''. 

I contacted Chase ( XXXX and XXXX ). After months of getting the runaround I finally got the email address for their fraud recovery unit and sent them photos of the pages of the XXXX report on XX/XX/XXXX, XXXX i have sent them inquiries since but get an automated reply that they are investigating the claim. Not sure why it would be so difficult since I gave them all the information, including the XXXX XXXX address ( which I can not delete from my credit report until JP Morgan clears this up ) XXXX has acknowledged the fraud and has maintained my credit score at XXXX the other two agencies have it at XXXX due to the JP Morgan problem.

Company response to consumer: Closed with explanation