BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-02
Company: Simon's Agency, 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:
I disputed this reporting on my credit reports. It was deleted and does not appear on XXXX and XXXX. However, it appears on my XXXX report. I still dispute the validity of this debt. I have no correspondence from Simmons Agency and will litigate this in court at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-25
Company: Secure Lending Incorporated
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
My number is currently being spoofed by Secure Lending Corporation. For several months, they have been calling people in XXXX County ( they only appear to call numbers with the XXXX area code ). I would get people calling me attempting to " return my call ''. When I tell them that I did not call, some would get upset with me. I did not know why this was happening and without a company to file a complaint against, I had little recourse. But finally they slipped up. 
They happened to call my wife while spoofing my number. With my phone next to me, there was a call coming in on wife 's phone and it was apparently me calling. When I answered, the lady said she was with Secure Lending and she wanted to talk to me about my mortgage. When I asked here why she is spoofing my number, she immediately ended the call. 

Ultimately, I would like to stop this practice. I hope someone will be able to stop them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: JPMORGAN CHASE & CO.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I received a notice that my private JP Morgan Chase student loan was being moved to XXXX ( XXXX. At the time I paid my account ahead before it was moved. My first bill from AES had a XXXX balance. My second bill, slipped my mind and I paid it 3 days late ( I paid over double what I owed for the month ). My payment was due on the XXXX, and I paid on the XXXX. 

Yesterday XXXX/XXXX/15 I received a collection letter from the XXXX XXXX, in the amount of {$15.00}. 
XXXX Ref # XXXXCreditor : JP Morgan Chase Bank , N.A . 
Loan Balance : $ XXXXPast Due : $ XXXXI called Chase to verify why I received a collection letter and they said they would have to connect me to XXXX. I called XXXX and the XXXX XXXX, and was told that the collection letter that the XXXX XXXX sent was not really a collection letter, but an attempt to " reach out '' for me to make a payment and that it would not go on my bureau. 

The collection letter was actually sent on XXXX XXXX, 3 days after they had received my payment, and I was current at the time. 

I feel that this letter was an attempt to harass or scare me, which it did. I work hard to keep my credit bureau clean and this was a very distasteful way to contact me about a payment that was just 3 days late. Furthermore, I did not receive a phone call for being late, rather the collection letter was automatically sent per the agents I discussed the matter with at the collection agency and XXXX. 

My university was XXXX XXXX, in XXXX, Indiana

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Colony Brands, Inc.
State: NC
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 disputed charge with XX/XX/XXXXseveral times, alerting that the account does not belong to me, within 5 hours the credit bureau states the account was verified by creditor. I contacted the creditor directly, spoke with Ms XXXX XXXX, agent states the wrong address and could not pull any shipment information. I don't understand why the creditor is reporting fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
XXXX/XXXX/17 I transferred {$1300.00} and {$1.00} dollar to my mother through QuickPay service provided by Chase using my smart phone. My mom did not receive {$1300.00} but she did receive {$1.00}. 
XXXX/XXXX/17 I transferred {$400.00} to my mom and she never received the {$400.00}. I have transferred in total of {$1700.00} that she did not receive. My mother received a text from Chase stating that I sent her money through QuickPay and they are processing the transaction. 
XXXX/XXXX/17 at XXXX I filed a claim with Chase over the phone. They let me know that {$1700.00} went to someone else 's account that is not my mother 's. They said I should hear back with an update in 3-5 business days. 
XXXX/XXXX/17 I did not receive any updates from Chase, so I went to the local branch and was notified that the only way to reverse the charges would be for Chase to contact the person who received the fund and ask him to give the money back. In the event that s/he does n't want to give back the funds, I would need to resolve this outside of Chase. 
XXXX/XXXX/17 I was notified over the phone and email that Chase will not reverse the {$1700.00} charges to my account. Chase had determined that the charges were correct. 

I would like to add that I never authorized Chase to transfer my money to a different bank account other than my mothers. In order to send money through Chase QuickPay, I needed to add my mother as a recipient by filling out her email address and phone number ( optional ), which I did both CORRECTLY. Chase explained that someone else must have signed up for Chase QuickPay using my mother 's phone number, and the money was sent to him/her. My mother has had this cell phone for 8 years and never shared it with anyone else. Again, I never authorized Chase to send money to that phone number. I was under the impression that the money would be sent to the account registered with the email address I had provided, and the phone number was only optional. Chase never notified me the the funds would be transferred using just the phone number of the recipient. Chase did not do their due diligence to verify that the person who 's receiving the funds indeed have the phone number that they provided on chase QuickPay

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
On XXXX XXXX, I ordered a XXXX-bureau credit report online for {$1.00} from CreditCheckTotal.com ; as a part of the ordering process I provided my personal information and payment details to process {$1.00}. There was an offer for monthly services which would cost $ XXXX/month, I did not select this serivce. On XXXX XXXX, my account was debited by Experian for {$29.00}. I called to inquire and was directed to Credit Check Total requesting that my account be refunded for the {$29.00} as I did NOT authorize any deductions nor did I agree to any memberships. I spoke with XXXX associates and XXXX supervisors and was told that they would cancel my 'membership ' but they would not be able to refund my money. Even after expressing my frustration and my concern regarding their tactics, which I feel are manipulative and evasive ; no one would honor my request to have my money refunded. I also sent an email to the customer relations departments for both Credit Check Total and Experian. Credit Check Total 's response was that they could not refund the money that was taken but that my account was now closed. 
This company does not care that a consumer feels misled by their advertisment, all they care about is collecting {$29.00} from as many people as they caan. I am very upset over this and from now reading reviews from other victims, it is clear that this company is strong-arming consumers and taking our money. Credit Check Total is a poor representation and their only goal is to profit from comsumers using manipulative tactics.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-08
Company: CCS Financial Services, Inc.
State: FL
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:
I was with XXXX for two years and never had an issue. XXXX is saying that I owe them money because someone whom I NEVER authorized was on my car insurance. Keep in mind I was still making my monthly AUTO DRAFT payments. I asked them for the recording of me adding someone to my insurance and they could not provide it. I spoke to XXXX XXXX representative and she assured me that this mistake would be corrected and never happen again. She said he fixed everything in the system. When I cancelled the insurance for their exploitation I got an email stating that I would be REFUNDED money. I never received my refund and I am still being billed for money I do not owe them. This collection was removed from my XXXX credit report the beginning of this year, now they added it to my XXXX and XXXX report. How could I owe money and my funds were taken directly from my bank account based on what they billed me for the month. I was also not able to retrieve my bill and payments from their website after I severed ties with them for some reason, but thank goodness for bank statements!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Cedars Business Services, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Cedars Business Services continues to report fraudulent information regarding an account that was paid off. The original creditor XXXX University agreed that the tradeline would be deleted, and the creditor refuses to do so. I have documentation proving this agreement for payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There is an account listed with XXXX XXXX as a charge-off, with a credit limit of {$750.00}, but it's listed as being charged off in XX/XX/XXXX, even though there are no balances listed for XXXX at all and a last payment listed of XX/XX/XXXX with pays as agreed status through XX/XX/XXXX. The claimed balance is {$1000.00}, even though there is a listed limit of {$750.00}. I've requested this be corrected to remove the charge off status and late payments, as the last correct information is my full payment on XX/XX/XXXX, but no one from any of the XXXX credit bureaus or XXXX XXXX has helped at all. Please have this negative information removed expeditiously.

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 2021-03-05
Company: ALLY FINANCIAL INC.
State: PA
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 in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2016-05-18
Company: Diversified Consultants, Inc.
State: IN
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:
I paid Diversified Consultants for XXXX XXXX XXXX on XXXX XXXX, 2016. We settled for {$390.00}. I was told that they would send me a satisfaction letter within 48 hours via email and they would also mail out a letter that I would receive within 10 days.During this time they had reported to the credit bureaus that this account was paid in full and closed. I waited until XXXX XXXX, 2016 for the letters and I received NOTHING, so I called back and they told me I would receive it in 48 hours, again nothing. On XXXX XXXX, 2016 my XXXX report showed a open balance of {$720.00}. On XXXX XXXX, 2016 I called Diversified Consultants to have them explain to me why it had been reported open on my credit and to see why I had not received a letter. All they could tell me was that it was paid in full and closed and my letter had been mailed out that day and I would receive it within 10 days. I finally received it on XXXX XXXX, 2016. On XXXX XXXX, 2016 I received a letter from XXXX to pay a balance of {$320.00} that had been forwarded to them from XXXX XXXX XXXX. I contacted XXXX and told them I had already paid this account with Diversified. They told me to contact Diversified and have them update their records with XXXX XXXX XXXX so I did, the gentleman on the phone said that they had already updated the account with XXXX XXXX XXXX and there was nothing more that they could do, but he would transfer me to a supervisor. I left a message on the voicemail for the supervisor and received no call back. On XXXX XXXX, 2016 I faxed the letter from Diversifed to XXXX and on XXXX XXXX, 2016 I emailed them the satisfaction letter. They responded back to me via email stating that they could not close the account until they investigated it with XXXX XXXX XXXX. I called Diversified again on XXXX XXXX, 2016 and they told me that there was nothing they could do, but forward me to a supervisor. The supervisor did not take my call so I left a voicemail to have them call me back. After I hung up I called XXXX XXXX on XXXX XXXX, 2016 and they told me that Diversified had only reported a half payment to them instead of a settled in full agreement and that is why I was receiving letters from XXXX. They had me email over the satisfaction letter to their collections department so that they could investigate this matter and get it taken care of. I am still in the process of trying to get this all cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I received an alert from my credit monitoring services, to check my credit reports. Credits Reports are showing an account opened on my behalf by XXXX XXXX ( date unknown ) and it was referred to a collection agency services on XX/XX/2016 with an outstanding balance of {$380.00}. The Collection agency name is AMSHER Collection Services, XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX / XXXX. Collection agency account number is XXXX. The collection agency referred me to a Law Firm called XXXX XXXX XXXX, phone number XXXX. XXXX does not have any record of me opening a business corporate account on my name nor SS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This card was paid off about one week prior to XX/XX/2021 when a payment for {$XXXX} cleared. The next billing cycle was after this date. We paid this electronically by phone and that should have been the balance in entirety. We have had to spend an inordinate amount of time trying to have this account closed. 

When we called to pay the balance in its entirety, we were told that would be the last payment needed. The payment came before the billing cycle. We were advised that was all that we needed to pay. 

We were then sent a bill for {$XXXX}. We called ( reference number XXXX. We were told again that they would be waiving that fee since we had paid it in full. 

We have again received a bill, now for {$XXXX}. We called and gave the representative the reference number above. He stated ( XXXX ) that we had a late fee and that they wanted this amount again. We stated that was not acceptable because we had already paid the balance in full prior to the end of cycle. We also reminded him that we had already taken time to correct this previously. 

XXXX now says that the account is back to a {$XXXX} balance, but was unable to give us a reference number. He did help us to gain access to the website so " You can check for yourself to see that the balance will be {$XXXX} in XXXX hours. '' My complaint is that this billing after payoff is suspect and should be investigated. For someone who does not possess the education and expertise of our agency, they may be in a constant state of paying interest and charges that are certainly not owed. 

I believe that the company should be investigated and these practices resolved. I suspect there are a considerable amount of former or current American Express clients who have been falsely billed and have paid false charges. I would assume this amount would be considerable. 

With respect, I remain, XXXX XXXX XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I went to the bank to make a loan and become a member, but when they pulled up my report it was showing a fraud victim/ XXXX alert ( and I 've never been in the service ). So the give me the number to Eqifax to make the dispute and take it off, the first time i called they kept putting me on hold and after all that i was told to fax my information and wait 48hours for a respond, after not getting a email i called again only to find they didnt " recieve my fax '' and was told to fax again. I asked how i was supposed to know if they got my fax and was told i had to wait the 48hours then call again ( so far that is already 6 days wasted ). three days later i call and they where able to pull up my fax only to tell me that since I 'm not through them they cant take the fraud off my credit and gave me information to XXXX other credit bureaus. I call XXXX to see if they can help me and was told they are unable to remove the fraud from my credit and was then transfered to another number who told me to file a complaint. This is crazy I 'm just trying to remove a fraud claim and for a week and a half now, have been given the run-around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: JPMORGAN CHASE & CO.
State: FL
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 just received a bill from Chase Bank showing interest being charged on my XXXX XXXX Credit Card account. Well, it appears that we mistyped an online bill payment three months ago and have been getting charged interest since then, even though the account has been paid in full for the last two ( now three ) months!. In calling for an explanation, it appears that somewhere in their fine print, their contract now says that if you miss even one payment, you will be charged interest for an additional two months beyond the first month you were charged interest as a penalty for missing that one payment regardless if you pay the bill on time, We've had this account for years and always pay our bills on time and have credit scores over XXXX on all three reporting agencies. 
I strongly recommend that anyone with a Chase Credit Card account, especially a credit card account that charges an annual fee of {$95.00}, cancel their account to avoid these excessive charges. We have cancelled our account and will be cancelling another Chase account and will not do business with this company unless the three months of interest are refunded. 
This is horrible customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-19
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
To whom it may concern : I HAVE A CAR LOAN THRU SANTANDER CONSUMER : I went to check my mail on XX/XX/XXXX, i rec 'd my credit report from XXXX and took it to my credit consultant, she showed me where Santander Consumer has reported me XXXX ( 2x 's ) to the credit bureau. My car payment is set for the XXXX of each month, i understand about XX/XX/XXXX, ok, but XX/XX/XXXX, im NOT, if we are just on the XX/XX/XXXX how is it that i am reported for ( 30 days late XXXX XXXX for {$420.00} ). When i called the XXXX # the rep named XXXX got rude and i asked for the Supervisor, it was XXXX, when i asked why was i reported for XX/XX/XXXX for {$420.00} she said i was not that i needed to call the credit bureau, but i explained that i am holding my report printed on the XX/XX/XXXX which i will be uploading to this and still she could not explain SO CAN YOU TELL ME WHY IM BEING REPORTED AND DROPPING MY CREDIT SCORE THAT IS HURTING ME FROM MOVING FORWARD TO HELP BETTER MY CREDIT??.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: First Associates Loan Servicing LLC
State: ID
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Peaks private student loan quit contacting me for a year after bankruptcy now every 3 months I receive an email stating that I owe them money. I have pulled my credit report and it does say discharged due to chapter XXXX bankruptcy. I have advised them of the bankruptcy my attorney information and the will still not quit contacting me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation