BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-03
Company: DISCOVER BANK
State: WI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am a victim of identity theft. Someone opened a Discover credit card in my name and used it to make fraudulent purchases without my knowledge. They also used my existing payment accounts ( i.e. XXXX, XXXX and XXXX ) to change my funding sources to the fraudulent card. Since I was n't aware this happened I unknowingly placed XXXX transactions on a fraudulent Discover card that was opened in my name. I reported fraud to Discover, filed a Police Report, and reported this to the FTC. Now that I have identified the XXXX transactions to Discover they have been harassing me to make a payment. I refused to give my checking account number to them and they kept pushing me to give it to them. They threatened me with having a past due account and they were reporting it to the credit agencies. They keep calling my house and I feel that they are being very unprofessional about my claim. I have not made a payment and will not until my case has been cleared.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-09
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Further Violations include : Communication Tactics, Continued attempts to collect a debt I do not owe, Disclosure Verification of Debt, Threatening and taking an illegal action. 

Please also see CFPB complaint # XXXX XXXX/XXXX/2016 received a I received a collection notice ( please see attached ) from Credit Bureau Systems , Inc. in XXXX, KY dated XXXX/XXXX/2016 and addressed to XXXX XXXX XXXX, XXXX XXXX, KY, at XXXX XXXX XXXX, XXXX XXXX, Ky. The mail system is not that slow, however the internal process of the " Credit Bureau Systems '' procedures are less reviewed, however governed. This delay tactic illegally eats away at the consumers ability to dispute within the time limits afforded by the law. This is deceitful practices as according to FDCPA subsection 807 " False or misleading Representations '' as well as subsection 808 " Unfair practices '' I disputed this over the phone on XXXX/XXXX/16 ( less than 30 days from date of notice ) to XXXX XXXX agent of Credit Bureau Systems agent, as well as in writing on the same date. ( please see attached ) As well and also contrary to the above subsections the failure to provide the name and account of the original creditor, the threats to injure my credit by reporting it to the credit reporting agencies despite these deceitful methods ( as according to their agent ), actually following throiugh and illegally reporting it to the reporting agency along with a note that " consumer disputes this account information '' ( they accept I dispute, however failed to follow the mandates of the FDCPA for a dispute, maliciously damaging my credit and causing liability ), the deceitful statement of a " Patient # '' on their statement ( as though this debt has to do with a patient, rather than a utility bill ), their company title diceitfully alluding to them actually being one of the credit bureaus and their agent 's statement that claims would continue anyway, are contrary to the FDCPA or the law that governs your practices Please not that this account was supposedly opened with the Credit Bureau Systems on XXXX/XXXX/16 while notice was not created for about a month XXXX/XXXX/16 or mailed until another month after that. They appear to have an interdepartmental anomaly that every step in their procedure seems to take a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: LUMINATE HOME LOANS, INC.
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am filing a complaint against American Mortgage and Equity Consultants, Inc of XXXX, MN for wrongfully influencing an appraiser 's opinion on a loan transaction. Page XXXX of the appraisal report, " addendum '', confirms the influence of the lender reads " ... so appraiser has opted to alter value per lender request. The newly reconciled value is {$200000.00} '' The appraisal report was completed on XXXX/XXXX/15 and then amended on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15. The appraiser 's professional opinion was the home was valued at {$210000.00} with the support of XXXX comparables. The lender then required additional comparables to be added. The appraiser complied with their request and added an additional comparable ( comp XXXX ) to also support the value of {$210000.00}. This additional comparable adjusted to a value of {$220000.00} which is above the value that was originally justified. The lender again reached out to the appraiser and required them to reconcile value of the home within comp XXXX,XXXX or XXXX. The appraiser was unclear on this request, as am I as they are the least similar to the property and it 's the appraiser 's professional opinion to determine which comparable are deemed appropriate. As a result of the continuing pressure from the lender the appraiser then adjusted the value down to {$200000.00}, again " alter value per lender request ''. The appraiser did not provide any indication on where the value of $ XXXX could be calculated used the adjusted valued of the XXXX comparables within the report and did not provide any indication as to how the comps used could be weighed to reach this figure. The first page of the appraisal report confirms that Regulation Z will be met which is " no indication of bias, attempts to influence or intimidation, pertaining to any portion of the appraisal reporting process was transmitted from the lender to the appraiser through Guideline AMC ''. American Mortgage Equity and Consultants, Inc ( AMEC ) have clearly violated Regulation Z and influenced this appraiser to reduce the value of this home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-01
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XXXX DISCOVER FIN SVCS XXXX ACCOUNT NUMBER : XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX PHONE : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX DISCOVER FIN SVCS XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission DISCOVER FIN SVCS XXXX acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: Dovenmuehle Mortgage, Inc.
State: NH
Product: Other financial service
Sub-product: Refund anticipation check
Issue: Excessive fees

Complaint:
My wife XXXX and I sold our house in XXXX ( NH ) on XXXX XXXX of this past year. The closing date was XXXX XXXX, 2015. At that time, {$1500.00} of the sale price was not returned to us due to a title issue, the funds being held in escrow by XXXX XXXX. The title company requested a corrective discharge from XXXX XXXX XXXX because they discharged the loan without having ownership of the it ( i.e., the loan ). They, in turn, have requested an assignment of mortgage from XXXX ( account # XXXX XXXX to XXXX XXXX XXXX in order to " make the discharge valid ''. Despite the many attempts by XXXX XXXX, Closing Coordinator at XXXX XXXX, all requests for action have gone unheeded. She was told in XX/XX/XXXX that there would be a resolution in 2-3 weeks, but nothing has happened. In the meantime, {$1500.00} of our money has been tied up for nearly eight months through no fault of our own. 

We are writing to request that your office intercede with the XXXX banks in resolving this matter on our behalf. Thank you very much for considering this request. 

Sincerely, XXXX and XXXX XXXX XXXX NH XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: DISCOVER BANK
State: OR
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I had asked Discover on three times to close account as allowed in our agreement but they failed to do so until the third time adding fees and interest in excessive of what should have been owed of they honored my account to close account one first attempt as is allowed by agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days, and I have yet to get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: DISCOVER BANK
State: SC
Product: Credit card
Issue: Billing statement

Complaint:
After cancelling paperless billing with Discover Card because the online bills were always blank, My paper statements are not sent to me. I have to remember to call Discover Card every month and have them create and send my statements. Their customer support always tells me that everything looks fine on their systems but yet the statement is not sent unless I call and tell them I have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: Columbia Recovery Group LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company that submitted this debt is a new management company that took over a rental unit I was renting. I paid the full amount to the office staff in the crossing at the bay. The company fired the office staff and got a new name and new management and the submitted this collection in error where it was paid in full. I went to the office and spoke to the last office staff XXXX that was still there and she told me not to worry bout it will be removed. It 's not my fault she see the account paid in full. Original amount was 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 2017-01-29
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX HAS A JUDGEMENT IAMPAYING OFF. THERE WAS A THREE WAY CALL PLACED AND THIER REPRESENTATIVE AGREED UPON A BALACE OWED [ {$2800.00} NOT $ XXXX SHOWING UP ONLINE PAYMENTS ] WITH A CREDIT REPORT OF POSSITIVE OR NUETRAL TO CREDIT REPORTING AGENCIES. I NEED TO MAKE PAYMENTS ONLINE DUE TO E BEENING XXXX AND IN SEVER NEED FOR A XXXX VAN.CAN I GET THIS LAWYERS/ACCOUNTING COMPANY DISS BARRED FOR ANTI-TRUST ISSUES OF NOT REFLECTING TUE BALANCE?

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 2016-02-29
Company: Professional Debt Mediation, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A debt that I do not owe has been sent to PDM Debt Mediation against me by my former landlord, XXXX XXXX. 

I was XXXX of XXXX tenants living at XXXX XXXX XXXX, XXXX XXXX XXXX at XXXX XXXX in XXXX. In XXXX XXXX, my co-tenant hosted a party at the apartment. My understanding is that various property in the apartment was damaged during a fight that occurred during the party. However, I played no role in the party or the fight and therefore owe no responsibility for any damage resulting from the fight. 

Additionally, in XXXX XXXX, shortly after the incident, the landlord of XXXX XXXX told XXXX of the tenants, XXXX XXXX, that every tenant in the apartment needed to move out within three days, or XXXX/XXXX/XXXX. Verification of this is submitted here in the form of a letter sent to me by XXXX XXXX, the Leasing Consultant for XXXX, dated XXXX XXXX, XXXX. At the time that I was informed that I needed to vacate the premises, there were still roughly 9.5 months remaining on the one-year lease, which was set to expire on XXXX/XXXX/XXXX. 

I interpreted XXXX XXXX 's letter to mean that I was being evicted from the property by the landlord. Within three days, I vacated the premises by surrendering the keys to the landlord in compliance with the landlord 's order. Shortly after this, I received a letter from XXXX XXXX informing me that I would be charged {$22000.00}. 

I would not have moved out of the apartment had the landlord not told me that I was required to. Instead, I would have discussed with the landlord various ways of paying for the damaged property and then would have sought to be compensated by my co-tenant who was responsible for the damage. 

However, the landlord simply kicked me out of the apartment and pre-emptively charged me the remaining balance of the lease more than 8 months before the lease was set to expire. This deprived me the opportunity to mitigate my damages. 

Under New Jersey law, a landlord is required to mitigate damages regardless of the reason why a tenant vacates an apartment. See XXXX v. XXXX, XXXX XXXX XXXX ( XXXX XXXX ). In this case, the landlord clearly did not mitigate damages ; she simply sent me a letter stating that I owed the remaining balance on the lease even though at the time the letter was sent, there were approximately 9 months remaining on the lease. 

Additionally, I believe the landlord wrongfully evicted me from the apartment. Under New Jersey law, a landlord must give at least 30 days notice before telling a tenant to move out. N.J. Stat. Ann. 3A:18-61.2 ( b ), 2A:18-61.1. In this case, however, I was told I had three days to get out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
XX/XX/XXXX, I co signed on a car. Later I had to file bankruptcy. Credit acceptance was still sending me letters while I was under bankruptcy. My bankruptcy was n't dismissed until XX/XX/XXXX. I stop working XX/XX/XXXX. I received a citation from the sheriff XX/XX/XXXX. I immediately called the number on the paper to let them know I was not working. I was told when I start working I could set up a payment arrangement. For three years I have been unemployed. I just started working two months ago. I called to set up a payment arrangement, I was told I was garnished and that 's it. I went to the court house they told me credit acceptance never sent me a court date to appear in court. They also lied and told the court I ignored the citation. I have my phone records to prove I called them right after the sheriff served the papers. The citation paper have XX/XX/XXXX for XXXX. The papers that were sent to my job says XX/XX/XXXX for XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Experian Information Solutions Inc.
State: GA
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:
I noticed an inquiry that was not authorized by me, and the inquiry is stuck on my credit. When I go through the creditor there was no resolution. 
XXXX XXXX XX/XX/2020 XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020

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 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX XXXX in XXXX, AL incorrect information. I have sent numerous letters and called several times to rectify this situation of inaccurate credit reporting. This inaccuracy of credit reporting hinders the overall security in factoring that credit reporting agency report accurate data. I have been unable to successfully have these negative marks on my credit be removed and corrected.

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 2017-02-24
Company: DISCOVER BANK
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have had repeated problems with Discover Student Loans. I did not choose this company - they purchased some existing student loans I had with XXXX, so I was never given the option to use the free market to find a company that provided better service. 

My problems with Discover began almost immediately. The monthly payment amount they wanted was very high, and I was working for a non-profit, making too little to afford the payments. I called repeatedly to ask for a modified payment plan, but was told that they did not have one yet. So I made their payments and began to put necessities like groceries on credit cards. 

My interest rates on my Discover loans are through the roof and keep going up : currently 7.75 % and 10 %. They 've gone up six times in the past year, including twice in a single month last XXXX. Because they keep increasing my interest rates, my payments go up, too, because the loan term does n't change. I asked if I could renegotiate the loan term to make my payments more affordable, and was refused. 

Last year, I experienced further financial hardship when I moved cross-country and changed jobs. While my increased hardship was temporary, as I had taken a higher-paying job with a for-profit company, Discover refused to grant me a deferment of a single month. My income was too high. I was instead granted a six-month reduction in my payment amount, from {$490.00} to {$380.00}. I still was unable to pay that month, but I diligently made every payment following, adding {$16.00} to each payment in order to make up for the missed payment over time. In spite of this, I began receiving calls three times day, every day, hounding me for the overdue amount. I requested that they stop or at least decrease these phone calls, and they refused, saying they were within the law. I had to block the number. I have not missed a payment since I had that difficulty last year. 

At some point, my six-month payment reduction ended. I received no notice that it was ending, and did not even realize it had ended until I spoke with customer service today about my overdue balance increasing instead of decreasing. For months I have been making payments that I thought were a little extra, but were instead more than {$100.00} too little. 

Even when I had near-perfect credit, the only refinancing I could find was at a rate even higher than what I 'm paying now. My credit was damaged during the period of financial hardship mentioned previously, so now I ca n't find refinancing at all. I want to pay my debts, and I want to work with this company to make my debt payment manageable. But Discover will not work with me to come to a reasonable compromise on the monthly payment amount. I 'm not sure what else I can do.

Company response to consumer: Closed with explanation