BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
Company: JPMORGAN CHASE & CO.
State: ME
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:
In XXXX of XXXX I did a debt rollover from a XXXX  XXXX card in the amount of {$4600.00} to my Chase Amazon Prime Visa card. I have always paid off my current balance using the " pay off outstanding balance '' setting. I needed to change my setting to a monthly payment of {$1000.00} since I didn't want to pay off the {$4600.00}, and I rarely go over that amount. Unfortunately Chase started using a portion of my payment to reduce the amount of my rollover. This resulted in them charging me interest on outstanding balances which should have been paid with my monthly payment of {$1000.00}. In XXXX they charged me interest on a balance of {$1100.00} in the amount of {$12.00}. My purchases for that month was less than the {$1000.00} I paid. The same thing happened in XXXX when I was charged interest on a {$1700.00} balance even though my purchases were about {$1300.00} ( my payment for that month was {$1500.00} ). 
This increase in interest charges would have likely increased month after month as they were taking a portion of my payments to reduce my rollover amount even though no payment was due on that amount until XX/XX/XXXX. 
I am filing this complaint in order to start an investigation into their fraudulent practices or to warn other consumers to keep an eye on their balances. 
I did contact Chase and they were able to credit me for the XXXX interest, but not the previous fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: ENCORE CAPITAL GROUP INC.
State: CA
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:
Fraudulent activity is on this account, charges wasnt mine, remove this account from my profile, its not accurate and violate my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. I have no knowledge of the debt whatsoever please remove from all 3 credit reports. Total amount owed is {$0.00}. Ive already disputed with all 3 credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Bread Financial Holdings, Inc.
State: LA
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 received a notice on XX/XX/2023 that I had a credit inquiry for a new credit card from COMENITYCB/ULTA XXXX XXXX XX/XX/2023. I did not authorize this, nor request this. We have not shopped at XXXX in months. I called their number to have this removed and they referred me to Comenity, which is closed. I want this removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24
Company: Suttell, Hammer & White, P.S
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:
XXXX credit card that was open XX/XX/2016 on my credit report that is not mines. It was sold to Suttell & Hammer, PS. I do not have a contract with them, I never signed a contract with them, I never did any business with them and I do not owe these companys. 

I have filed a police report, provided them with the police report and they removed it from my XXXX  report and placed it back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Scheer, Green & Burke L.P.A.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was transported and admitted into XXXX XXXX hospital by helicopter after I as a result of being in an auto accident in 2017. I had insurance though XXXX XXXX that covered my stay at the hospital and all bills included in the stay. I was taken downstairs to discuss the bill at the hospital. At the time I was released and discharged from XXXX XXXX Hospital shorty after I received a finale bill for my services as I have included this bill as Plaintiffs Exhibits A. As per the bill the balance on the account was {$5000.00} at which I had a check in the amount of {$5000.00} sent to XXXX XXXX at which would of just left a balance of {$31.00} on the account. As you can see the bill was adjusted or negotiated by XXXX XXXX that allowed some adjustments or write downs so that XXXX XXXX would pay the bill. XXXX XXXX then sent me a bill showing the balance owed at which I had the funds appropriated and sent to pay the remaining balance of {$5000.00} paid in full. 
I DISPUTE THIS BILL AND DO NOT OWE THE BALANCE. I WANT ALL COPIES OF ALL THE PAYMENTS MADE TO XXXX XXXX XXXX XXXX XXXX XXXX IN CONNECTION TO THIS BILL THEY STATE THAT I OWE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: MO
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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX  XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX XXXX  XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Unknown collection listed, no validation ever received, inaccurate information and needs to be removed. I do not owe such an amount nor have ever done business with this company

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 2017-09-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have issue with the Virginia law ( and other state laws ) that allows credit reporting companies like XXXX, XXXX, and Equifax to charge a fee in order to place a freeze on an individual 's credit report. 

Since these companies can not guarantee protection of the personal data of American citizens, we should not have any barriers for the protection of personal identity and financial standing. 

I did not have to pay a freeze with Equifax because my personal information was most likely compromised from the recent breach. 

I had to pay a {$10.00} fee to XXXX, which I have issue with. 

I have been unable to place a credit freeze with XXXX due to technical issues on their website, but they also charge a {$10.00} fee, which I have issue with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: OR
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: Problem with personal statement of dispute

Complaint:
So this was supposed to be removed after being told it was, showing police report and approved for removing from own site, but still has not I have so many results saying that it will and have even called and been told that it is, but obviously not, debt for XXXX $ this has interfere with personal life and been denied, because of this, Can I sue?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Fifth Third Bank has decreased my credit with out any reason i was not behind any of my other credit or any outstanding loans. This is a clear violation and highly illegal act to damage consumers fair credit reporting act. It is also a violation of the U.S.C 15 sec 1666b.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have been disputing this issue with all three bureaus they keep saying the information is correct and accurate from the creditor point of view this is the problem I felt behind on my payments they repossessed my car but before they repossessed it I asked for and extension before I got behind they told me I had to make the full payment then they would see If they could set it up I told them if I had the full amount I wouldn't need and extension then I felt behind they repossessed the car called me and said how much I had to pay to get it back I paid it we talked on the phone and I paid it took three days to get it after I paid the money I agreed to pay XXXX a month until I catch up with the past due payments I did that for a few months and I couldn't afford it so we worked out another agreement that I would pay XXXX by weekly starting my next pay date so I split the payments but they have been reporting to the bureau like I'm not paying at all they have all x, s since the repo and I have been making payments and on some of the balances after the payment it didn't change it went down a few dollars or in some cases after I paid it went up so I even asked if I had any extra fees they said no then I called again and one rep said I had interest I asked how then they hung up I called back they connected me to someone else l keep trying to get this straight and everyone making me feel like I'm crazy like I can't add or see what's going on and they also have on my report that I have 29 missed payments and I would like to have that corrected as well if I would've had that many missed payment they would have repossessed my car again

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 2019-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is not my 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 2018-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Unauthorized charges were made to my credit card. They were reversed but charges remained that should have been reversed ie late charges and interest. The company has called me 4times and I have explained this to them and told them I would file suit if they turned this inacurate information into the credit bureau. The card has not been used by me in over 2 years. There is apparently still a balance due but it is not owed by me yet they turned it in to the credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-14
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Service ( SLS ) is robo calling my home at least 5 times a day with a non responsive message asking if I am affected by the California Wild Fires. I have tried to call their offices to ask them to stop calling me. I am not affected and all they need to do is look at my address on my loan and know I am not in the county of any fires. They have all this information yet they are harassing me with these calls. How can I get them to stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: Experian Information Solutions Inc.
State: NC
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:
Reporting agency did not respond in 30 days

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 2020-07-07
Company: LDF Holdings, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I got a high interest loan for XXXX from XXXX/Amplify after I already paid them XXXX I got sick on the on a virus called them to explain that I'm a XXXX XXXX XXXX low income retired unable to continue the XXXX biweekly payments they were taking from my bank account, but the Representative were agressive indicating me that I'm in collection by the above Company, I need help on this matter because I really can't afford those payments, I need to know if is legal to overcharge a person in this way. XXXX is located XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wi XXXX, phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will appreciate your attentions and all help you can help me on this regard. Thanks for your time. XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX Fl XXXX my SS # XXXX 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 2020-11-23
Company: LEXISNEXIS
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: Was not notified of investigation status or results

Complaint:
I ordered my consumer report from LexisNexis online several months ago and there were name and address errors on the report. I contacted LexisNexis by telephone and disputed these errors with one of their customer service agents. I also placed a security freeze on my LexisNexis file. I was given a consumer and case number that matches both the dispute and security freeze file. I received a Security Freeze Confirmation letter on XX/XX/2020. On the Results of the Reinvestigation letter LexisNexis sent me on XX/XX/2020, LexisNexis said they verified that a bankruptcy case was accurately reporting on my LexisNexis XXXX report. On XX/XX/2020, I sent LexisNexis a certified letter with return receipt service requesting the Method of Verification that was used to verify the bankruptcy case that they stated had been verified by them using the assigned consumer and customer number according to the Fair Credit Reporting Act. Within 15 business days, LexisNexis did not send me a description of the procedure they used to verify the bankruptcy or the business name, address, and telephone number that they contacted to verify the bankruptcy case with. What I received from Lexisnexis was a letter that said additional information was required to process my request. They attached a blank Lexisnexis Request Form with a different consumer and case number to be completed and mailed back to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 contacted the bureaus and creditor about this account and provided them details on how it's being reported inaccurately, but nothing has changed since then.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
None of these accounts belong to me XXXXXXXX XXXX XXXXXXXX XXXX is not my address and has never been my address all of these credit cards are closed the inquiries on my credit report are not mines never applied for those merchants

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-21
Company: JPMORGAN CHASE & CO.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the date 60 days late as of XX/XX/2017 and XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
2 days ago I had a XXXX Credit Score with " Exceptional '' [ Experian ] payment record. It is now XXXX! I was trying to raise my Score using Boost, etc. I applied for Credit and was DENIED with a Hard Credit hit ; those stay on TWO YEARS! [ should be made Illegal for more than 6 months ] It was because Experian FAILED to remove a XXXX XXXX   account CLOSED for OVER 2 Months! Then, Experian SENDS ME a Credit Card application stating it would " Give me more Credit THUS RAISING MY SCORE ''! [ I have been trying to get over XXXX! ] Sooo, I APPLIED right from their email and BOOM! DENIED!! with YET ANOTHER HARD CREDIT HIT! I also see I am IN the EXPERIAN BREACH file!!! A {$20000.00} lost since XX/XX/2020 can be claimed BUT it doesn't ASK THE RIGHT QUESTIONS! I LOST {$16000.00} LOAN because of faulty Experian data, NOW! And the reduction, NOT INCREASE, on my Score due to the above!! I THINK EXPERIAN SHOULD PROVIDE A [ OUT OF COURT, For NOW,!!!!!! ] SETTLEMENT OF : THE $ XXXX LOAN LOSS AND REMOVE >>>BOTH<<<HARD CREDIT HITS!!! AND REPAIR MY SCORE!! My LAST COMPLAINT isn't even RESOLVED YET!! And, now THIS!! 
I have screenshots and emails OF ALL THIS! [ Nice, tasty, Court documents for the right ATTORNEY ] IF I have to GO TO COURT.. I'll NEED TO >>>XXXX<<<TEN TIMES as MUCH for the XXXX XXXX fees! With a FAIR JUDGE, I'll WIN. Credit Bureaus will XXXX consumers BUT when THEY, or LENDERS, 'stub their toe ' NOTHING HAPPENS TO THEM! And NO CORRECTIVE Action without WASTING OUR TIME!

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