BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-15
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Regarding Chase Freedom Visa Credit Card ... 

I received a notice today that they were increasing my Interest Rate from 12.24 % apr on purchases to 15.99 % apr beginning XX/XX/18. I have the option to reject the interest rate/apr increase, however, I would have to close my account. I think it is unethical to impose more than 3.75 % interest apr in one big leap. I have NEVER missed a payment to them in approx. 20 years. 

Their explanation on the notice stated " We are changing the Annual Percentage Rate ( APRs ) because your APRs are below the lowest APRs we currently offer on similar accounts ''. 

I would like to keep my Chase Freedom Visa Credit Card, however, I am experiencing a hardship and will be unable to afford my monthly credit card payments when this APR is increased. 

It would not be in either my best interest OR Chase Bank 's best interest to loose me as a customer. 

This to me seems unfair business practices. I am currently maxed out with my credit limit with Chase, however, I repeat, in approx. 20 years I have NEVER missed a payment ... ever!
My only alternate solution may be to apply for a hardship program or consider filing for bankruptsy, in which case, Chase would receive no repayment of the credit card debt I owe them. 

In addition to my Freedom Visa with Chase, I also have a Slate Visa with Chase, and of which my payments have NEVER been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
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: Account status incorrect

Complaint:
I am writting this due to non-compliance with the ( Equifax, XXXX, XXXX ). they have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-03
Company: Experian Information Solutions 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:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that 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 2022-10-03
Company: SYNCHRONY FINANCIAL
State: TX
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:
In Accordance with the fair credit Reporting act XXXX  account Synchrony has violated my rights. 

15 USC 1681 Section 602 Stated I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2019-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX a landlord and tenant complaint was filed against me stating that rental monies that i did pay were not received. Once I received the summons I immediately called Bank of America to get answers and alert them to the fraudulent activity. I informed the bank that I paid the money in question from my saving account that I have with the bank using XXXX, which is a money movement company that the bank has partnered with. I spoke with several different departments of the bank from customer service, fraud, non-fraud and money movement ... non of which knew how to help me and after calling the bank numerous times for weeks seemed to want to help me. I placed all payments made through XXXX to the aforementioned party ( the landlord ) under investigation ... the payments are as follows : {$900.00} made XX/XX/XXXX from checking account sent through XXXX {$450.00} and {$58.00} from savings account sent through XXXX I placed all three payments under both a fraud and non-fraud investigation and during the first initial calls I was told I would receive a refund. As time went on I was then told by the bank that money sent through although it is being pulled from a secure FDIC backed account, is not covered by insurance and therefore the bank can not issue me a refund, but instead I must speak to other party involved and ask for my money back Due to the banks lack of ethics and concern for their customers, I was ordered to pay the scam artist another {$450.00}. I find it quite strange and frankly unjust that banking institutions have aliened themselves with a company that does not back Americans money. Yet, they are allowing their own customers to be the bait for scam artist and thieves, without any way of retrieving their funds. I also, find it quite hard to believe that Bank Of America has a corporate office, but does not have a corporate phone number that works and transfers their customers to the corporate office operator. it all smells fraudulent, corrupt and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I 've had a capital one credit card for years, multiple cards, and I just noticed something that has most likely been going on the whole time, but I just realized it. From what I can tell they are charging interest based on the previous billing cycle. Last month my husband and I both paid off our balances in full. we had no new charges. the next month we both received interest charges, even though we paid our balance off in full. when I called they said that if I am not paying off my balance in full month after month I will still receive new interest charges even though I paid off my balance in full. this month on a different Cap 1 credit card my previous balance was {$1000.00} and I made the minimum payment of {$25.00}. on my new statement I was charged interest calculated on a balance of {$1000.00}, there were no new credit card charges. I believe Cap 1 is using double-cycle billing practices which is violating one of the protections of the CARD Act.  When I contacted them regarding this on X/XX/17 he assured me that they are not double-cycle billing they charge interest on an average daily balance, and that even though it looks like they are charging me interest on the higher amount ( XXXX ) that really they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
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:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that 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 2020-11-11
Company: SECURITY CREDIT SYSTEMS INC
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the spring of XXXX I had a scholarship called XXXX XXXX XXXX. This scholarship paid for my college tuition and classes. However, I was granted a medical withdrawl from the semester by the administration due to an injury and multiple deaths in my family. Several months later, I was notified by the college ( XXXX XXXX  University, IN ) that they had turned my account over to a collection agency. I was unaware that I even owed anything to the college. After talking with the college, they said the scholarship wouldn't pay for the classes that semester since I had withdrew. They said because I didn't withdrawl before the refund deadline I still owed the money for those classes. This is incorrect. Medical withdrawls are exempt from this deadline, or at least that is what I was told by the administration before my withdrawl was approved. I didn't just drop classes, I had to go to specific administration personel and show medical documents to get approved for this medical withdrawl. I attempted to explain this to the bursars office at the college, and again to the collection agency but nothing changed and I am still being told I owe a " loan amount '' of {$2200.00} even though I never took out a loan in the first place. The collection agency is Security Credit System, and they keep telling me I owe this debt even though I have explained the situation multiple times. This is an issue because they are reporting this to credit bureaus. The collection agency did this once before a couple years ago and I contacted creditrepair.com and they were able to take it off my credit report. Security Credit System just reported this collections account to a credit bureau again after it was already taken off once. This was done on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ON XX/XX/17 Contact both the deb collector and the credit card original account holder none were trying to help me as i was trying to pay out my deb out front, i when to the XXXX XXXX store to see if i could pay it out there since the agent from the store on the phone could help me. they gave me the dirty look well we cant help you with that you need to contact the deb collector so i did and they gave me the speak well we cant accept no payments since we cant see your account so i toll both location So are you telling em that you cant help me to pay out my deb but yeah you still harassment with phone calls to pay up now that am going to pay none of both party 's cant seem to find my account or help me out. so the question i toll both company 's i dint own anything if you both cant help me in this situation? there answer was no sorry have a nice day. i was shock but at the same time interested a company that call me none stop demanding there money now they dint want it so i guest i dint own anything? 
hope someone cant get a clear picture my next step is to take it legal as they at the beginning did try to treated me by sending me to court and some posting as lawyers for the company they work for ... 

the company is XXXX XXXX and deb collector are call MCM midland credit management there account XXXX XXXX XXXX XXXX / XXXX XXXX account the amount balanced $ {$2500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-03
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I filed my card as lost in XX/XX/XXXX. I called customer service on XX/XX/XXXX to make a payment because I couldnt get online because online was asking for a card number but I hadnt received a new card. Therefore I didnt have access to my statements or payment amounts so I called on XX/XX/XXXX to make a payment. I was told the minimum amount due was {$78.00} so I made a payment of {$80.00} over the phone. It has been a week and I still hadnt received my card so i called customer service on XX/XX/XXXX to customer service to make a payment for the amount due. I was told the amount due was {$77.00} and my total balance was XXXX and my credit Limit was {$2700.00}. She set me up on autopay to have ThePayment due {$77.00} draft out on on XX/XX/XXXX and will continue to draft on the first of every month. She also said she would connect me with someone about lowering my APR. I look at my account today and citi drafted {$210.00} which was not the amount I was told. I AM XXXX AND UPSET

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 2019-11-03
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:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery has been reporting an invalid account to my credit file for close to 7 years. They are falsely accusing me of owing them {$1000.00}. I have never had any account with Portfolio Recovery. Also, I have no contract with them. I tried to get them send me any agreement that I may have signed. They failed to provide validation. This is clearly a fraudulent act on the part of Portfolio Recovery. Because of their ruthless and illegal practices my credit score, as well as my life, has been impacted negatively. This needs to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: SECURITY FINANCE CORP
State: SC
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 obtained a personal loan from security finance in XX/XX/2018 with all intent to pay. I paid on my account twice and contacted them to let them know I lost my then job. The guy had an attitude so I decided not to go back. He then did 11 hard inquiries on my credit. I contacted him to let him know that his actions was illegal and it needs to stop.he stated that he didnt know a better way to reach me. He didnt call me once before I contacted him. He has since charged the account off and left a derogatory remark on my 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 2019-06-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo used deceptive practices throughout the lending process for our home mortgage. 

1 ) They did not tell us about a necessary reserve on the mortgage until we were more than halfway through the building process. 
2 ) They did not tell us the loan rates on the HELOC would be significantly higher than the mortgage, thus causing us to pay more than we otherwise would have had this been one single loan/mortgage. 

My wife and I began building a new home with a building mid-2018. At the beginning of the process, we put money down  with the builder to begin the building process. 
The builder provided a list of recommended lenders - one of  which was Wells Fargo. 

Wells Fargo began the loan application and approval process and delayed the approval process several times. A few months into our building process ( and after we'd provided deposits for the new build ), Wells Fargo came back to us indicating that we would not only need the 20 % down payment for the loan, but would also need months worths of payments in " reserves '' at the time of closing. This was NOT discussed for the first few months - had it been, we would have sought other means to finance our home purchase. 

Wells Fargo 's solution to avoid this reserve was to provide a mortgage for part of the loan and a HELOC ( secured on the home ) for the remainder. At this point, we had no options as the house was mid-way through building and we had money down on the house with the builder. Walking away from the financing or building process would have meant losing close to {$100000.00}.

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 2017-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The XXXX XXXXXXXX tax lien is incorrect. 

I have attached a screenshot from XXXX XXXX XXXX XXXXXXXX that states I do not have an outstanding lien. 

I have sent several letter to TransUnion, XXXX XXXX XXXX Credit Bureaus. Stating that this XXXX XXXX is incorrect. 



TransUnion XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that 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 2017-11-15
Company: BMW Financial Services NA, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I leased a car from BMW. It was my third lease in a row. Ive been doing business with them for 9 years with out an issue. When my lease was up, they tried to charge me incorrectly and gave me a big bill at the end. They claimed that I was missing a key. I wasnt. They claimed wear and tear on the tires. The tires were used, but thats because I had the car for 3 years. I told them a couple of months before that they couldnt expect me to buy 4 brand new tires and then give the car back. Thats crazy, and they agreed. I tried speaking with them several times, and there was never a live operator. Now they put me in collections, which is outrageous. Please look into this matter for me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: MIB Group, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Mib Inc has reported information about my husband XXXX without me his legal caretaker. I'm responsible for all of XXXX XXXX legal decisions and there was no official HIPPA form filed for life insurance. I am giving you allowed time to remove frivolous mib report. I was not present when forms were signed. My husband was unable to understand statefarms forms. His signature is null and void and I demand you remove mib report because it violate all forms of medical laws by leaving it there

Company response to consumer: Closed with explanation