BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-02
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I lost my job last XXXX so I was unable to make payments on my Discover card. Several months later I was working a temporary job and Discover contacted me. I made several {$120.00} a month payments so my account would not go to collections. I was told after my 3 months of payments that I would go back to a once a month minimum payment. They told me that I would need to set it up on my own online. I asked are you sure you just ca n't take it out now and they said no we can not do that you have to go online and set it up yourself. Well on the XXXX month like clockwork I notice of withdrawal from my checking account of {$75.00} that I did not authorize through Discover. I quickly called Discover and explain to them that they should have not happen at this is their fault and they told me otherwise. They told me that it does come out of your account without you setting it up automatically which was the opposite of what I was told. I explained to her that I just wrote a check for rent which is all the money I have in my bank account and now that 's going to overdraft. She felt very bad and called my bank and told them if they could stop it but they could not as I could not bounce my rent check or I would be charged {$300.00} in late fees by my landlord. I was also told that of my account with overdraft that they would take care of it. What they did was they added {$55.00} to my Discover account but because I 'm overdue my limit I ca n't do anything with that money because I 'm overdue on my card. Every time I call them to ask for help they can not help me they say that they added money to my account which I need this money to get to and from work for gas and they do n't seem to care. I honestly do n't know what to do because every time I call they act like I 'm a criminal. All I tried to do was a good person and pay back my credit and I feel like I just got XXXX over. {$75.00} is a lot of money coming for me just described above months to get by to get caught up and they came and put {$34.00} back in my bank account for a mistake that they made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Rent Recovery Solutions
State: TX
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:
In 2011 I left my XXXX husband. We had three months left on our lease and I stayed at home with my parents and paid the remaining three months. I also turned in my 60 day notice in XXXX of 2011 and our lease was up in XXXX. ( I paid XXXX, XXXX and XXXX rent ). I talked to the lease lady and she said I was all clear. After our lease XXXX XXXX signed a new lease and they did not take my name off and put in lease in my name without my permission! I found this out years later when Rent Recovery Solutions had a {$2500.00} collect charge. I tried calling XXXX apartments and they could not help because they were under new management. I called the old management company and they could not provide me any information on the lease dates etc. I have gotten this removed from XXXX and XXXX but it is still on my XXXX report. This lease was started without my permission and the charges are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The problem is with XXXX XXXX throuh Comenity Capital Bank, I made a purchase on XX/XX/2020, I recieved the statement with closing date XX/XX/2020 and due date XX/XX/2020. A personal check payment of the full amount of {$20.00} was collected in mail on XX/XX/2020. Company claimed that it received on XX/XX/2020, I was surprised the following month to see a statement in the amount of {$22.00} I called and tried to resolve the issue but they did not agree to remove the charges. I filed complaint with XXXX, XXXX refereded me to the Bank ; on XX/XX/2020 I spoke with XXXX at XXXX XXXX XXXX ; Spupervisor # XXXX ; she said balance will be XXXX, the next thing I know the balance now is {$58.00} in collection and reported to the credit bereau. I strongly believe that Comenity in engaging in a deceptive practice, it received the check and didn't cash it until XX/XX/XXXX. I closed the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX XXXX XXXX XXXX XXXX XXXX from my Coinbase Inc account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Thanks to XXXX XXXX 's furlough program and a lengthy and costly divorce, I was forced to file bankruptcy in XXXX. I was informed by XXXX XXXX, that because I filed for bankruptcy, they can not, by law, send me a monthly mortgage statement. I receive a Form XXXX at the end of the tax year. Prior to the XXXX tax year, the Form XXXX did not show the loan balance. I had to call XXXX XXXX loan servicing department and have them mail me a statement. The matter concerning the homeowner 's insurance gets a little complicated. In essence, the roof developed a leak, I had it fixed but the roofing company that performed the repairs went out of business and I did n't have anything to prove that the repairs were completed, so the insurance company ( XXXX ), cancelled the homeowner 's policy. Ironically, I was referred to the roofer by XXXX when I filed the claim. Wherein after being notified by XXXX of the cancellation, XXXX XXXX, took out a policy with another insurer but I have to pay the premiums which is almost double what I was paying. 
So I 'm in a Catch 22 situation : In order to obtain coverage on my own, I have to provide proof of insurance. Without proof of insurance, I have to maintain the insurance coverage the XXXX XXXX obtained. And unless I can get the roof replaced, I ca n't obtain insurance ( at least not at a reasonable cost, if at all ). I even applied for HARP to get out from under XXXX XXXX or at least reduce the mortgage payment enough to allow me to have the roof replaced, but the XXXX XXXX made that effort unnecessarily difficult. So now, I avoid having to deal with them entirely. The current issue is that I attempted to obtain a loan to have the roof replaced ; however, the XXXX XXXX has not been reporting my mortgage payments to any of the credit reporting agencies. As a result, not only is there no reporting of my mortgage payments since XXXX but I ca n't get a loan because no insurance company will write a policy until XXXX XXXX, XXXX -- three years after I originally filed a claim to have the roof fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: DISCOVER BANK
State: GA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I was drugged and my credit cards were stolen. I am currently fighting via litigation the vendor and bank involved in the situation. Due to my attorney advising me to stop paying the fraudulent charges to keep my cards current, my credit score has suffered. My Discover credit card was cancelled with the previous credit limit {$18000.00} with no balance present. I escalated and so far no one will do anything given my situation with evidence. I do not think this is fair given the situation and should be reviewed in a manner taking into account all other facts ( no other card issues ever, never had a late payment, customer of XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. 

I have attached a police report and an FTC report for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 my debit card was used to withdraw {$900.00} in XXXX Nevada. I live in XXXX. I didnt give authorization on the stolen debit card to be used by anyone. Capital One denied my dispute to return the funds to my account even though it happened fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: U.S. BANCORP
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: Account status incorrect

Complaint:
I paid off 3 credit cards and they were marked as charged off from my credit the lines were closed however they are still marked as current and its hurting my credit. This was in 2017 and they are still 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 2015-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Through billpay, the Bank of American Signature Visa paid my credit card instead of my husband 's as directed on the billpay. After talking with the visa company, they said 1-2 business days to get it fixed. On the XXXX business day, I called and was informed it was actually 2-5 business days. Then, on the XXXX business day, I call and it 's actually 10-14 business days. They have recordings and notes in the system that confirm that I was lied to and they STILL are not going to do anything about it today. My husband has been unable to make any purchses with his credit card as it 's showing a late payment. It 's effecting out credit and nobody is willing to accept any responsibility for the lies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I've tried multiple times to link my PNC banking account XXXX  for investments and my account will not allow me. This is my only banking account and has caused me an undue hardship to invest and spend my money as I please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. 

I have attached a police report and an FTC report for identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Once again Chime has randomly closed my account stating I violated something. I havent at all. They sent a notice and closed it immediately. Didnt give me a chance to get my money out or anything nor did they speak to me for any understanding. I now have no way to feed my kids or get gas. This is embarrassing and tiresome and ridiculous since this is the 2nd time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Found a charge off on my credit report from XXXX. there was no specified amount that was charged off. Sent a certified letter on XXXX XXXX and it was signed for on XXXX XXXX. In this letter, I I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I receieved no response at all, nor did they mark the account disputed per the latest credit report from experian. I sent a follow up letter even though they had already broken the law on XXXX XXXX and it was signed for on XXXX XXXX with still no response

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Re : XXXX ( {$59.00} ) SS # XXXX Hello, My name is XXXX XXXX XXXX and I am writing a complaint against Equifax about my Credit Report. I have no affiliation with XXXX XXXX. On or about XX/XX/2016, Your company stated I owe : {$59.00}. I am a Veteran and you have listed someones information on my file without my knowledge. I have never visited this place or do n't even know where this place is located. 
I would urge you to have all of these items removed form my file ASAP, and clean my record as it used to be. I do not appreciate your lies and deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: ALLY FINANCIAL INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from ALLY FINANCIAL located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX showed on my XXXX  credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Experian Information Solutions Inc.
State: NV
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:
THE COMPANY, XXXX XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term Bureau of Consumer Financial Protection. XXXX, XXXX, XXXX, and Experian are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On jube 5, 1933, Congress enacted HJR- 192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that whereas the holding or dealing in gold affect the public interest and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require a payment in gold or a particular kind of coin or currencyare inconsistent with the declared policy of congressin the payments of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigative consumer report means a consumers report or portion thereof in which information on a consumers character, general reputation, personal characteristics mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others he is acquainted or who may have knowledge concerning any such items of information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: EQUIFAX, INC.
State: MD
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Receivables Management Partners, LLC
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 status incorrect

Complaint:
I have been disputing a derogatory mark on my credit report for over a month with IMC of Indiana. Their client, XXXX XXXX XXXX transitioned all of their billing to XXXX XXXX XXXX XXXX, XXXX. At this time, XXXX is unable to locate any billing information linked to me. I have requested multiple times, that an itemized statement be sent from IMC for the remaining {$500.00}. I have yet to see one. The unconfirmed balance would have been from 2004 ... this is probably why XXXX XXXX is unable to locate me. I either do not owe this money OR it is beyond the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: TD BANK US HOLDING COMPANY
State: CA
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:
My XXXX XXXX XXXX was financed through TD auto finance on XX/XX/XXXX and paid off sometimes in XXXX. Since the car was paid off TD auto finance has refused to release the title of my car. I have made several calls to this organization and was lied to by their staff that the car title is released. However, every time this organization makes such false claims DMV records show TD auto finance still holds a lean on my car, fraudulently. 
I have wasted hours to talk to representatives at TD auto finance and days at the California DMV to determine what the problem is. 
I feel like I have been targeted by this organization and discriminated against. 
I was unable to trade in my car yesterday, XX/XX/XXXX, due to TD 's purposeful discriminatory acts and I was humiliated at the dealership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Equifax has repeatedly denied me my credit report after I specifically requested it after I was turned down by creditors. These same creditors that I complained about submitting several inquiries from XXXX application for credit. Equifax is the most difficult to obtain any information from, the most inaccurate and should not be allowed to remain in business. Any other organization with their track record would not be. Why do they get special treatment? They continually disobey the credit laws without any recourse or action. If yours is not the agency for the job, then which is? It does no good to complain if they know nothing is going to be done. Their system of providing and correcting information from the consumer side needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Around XX/XX/2021, Rocket Mortgage claimed to be able to provide loan pre-approval and pre-qualification letters to me based on the submission of financial information. They provided a " Prequalified Approval, '' which stated I qualified to borrow a certain amount from them that would not be contingent on the sale of the property I was then living in. Rocket Mortgage ( via their loan originator, XXXX XXXX ) claimed that my debt to income ratio qualified me for a loan with them despite my then mortgage, so I searched for a new home to purchase from XX/XX/2021, through XX/XX/2021. When I found a home to purchase in XXXX and submitted my offer to the seller, Rocket Mortgage then " conditionally approved '' my loan, with the condition that I sell my then-residence so that my debt to income ratio fell within their parameters, which condition was contrary to all the " Prequalified Approval '' documents Rocket had provided up to that point. RM uses deceptive practices to lure consumers and wastes their time by having them believe they can qualify for a loan with them and then when the loan application goes to their underwriting department, the loan suddenly can't be issued based on the promises made by their loan originators. This deceptive practice almost jeopardized my new home purchase and most certainly has caused other consumers to not be able to buy homes they had submitted offers on. They also charged me an exorbitant fee to do a credit check and an appraisal after I had cancelled my loan process with them.

Company response to consumer: Closed with explanation