BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-02
Company: JPMORGAN CHASE & CO.
State: CA
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 rewards from credit card

Complaint:
Per the Chase website : " If you have Chase Sapphire Reserve, you also have more flexibility with how you can apply your annual {$300.00} travel credit. With travel restricted by the coronavirus, cardholders can apply gas station and grocery store purchases toward the travel credit through the end of the year '' 3x POINTS ON XXXX  XXXX  immediately after earning your {$300.00} annual travel credit. ** 3x POINTS ON DINING AT XXXX  XXXX  including eligible delivery services, takeout and dining out. ** My experience : I used my {$300.00} annual travel credit towards grocery purchases in late XXXX. I made some travel purchases in XXXX and XXXX, but was given 0 ultimate reward points per dollar instead of the standard XXXX ultimate rewards points spent per dollar. 

When I emailed chase about my the points discrepancy, this the response, they gave me : Hello XXXX, Thank you for contacting Chase. 

XXXX, we appreciate the time you are taking to bring this to our attention and will be happy to review your Chase Sapphire Reserve account ending XXXX. 

You receive a travel statement credit with your Chase Sapphire Reserve ( SM ) credit card. We automatically apply this credit to your account when you use your card to make purchases in the travel category, up to an annual maximum of {$300.00} total. 

This year 's Annual XXXX XXXX will reset on the first statement date after your enrollment date anniversary, which is the date you became a Chase Sapphire Reserve cardholder. Any eligible travel category purchases posted to your account after that date will go toward the next year 's Annual XXXX XXXX. 

For more information about qualifying travel category purchases, please visit chase.com/RewardsCategoryFAQs. 

" Annual '' means the year beginning with your account enrollment date through the first statement date after your account enrollment date anniversary, and the 12 monthly billing cycles after that each year. 

Earning rewards - One point per {$1.00} spent on purchases - Three points for each {$1.00} spent on card purchases in dining categories Your satisfaction is extremely important, and your comments are critical to our efforts for continued improvement. For that reason, we always welcome and appreciate feedback from our customers. Thank you for letting us know that we can do better. 

Stay safe and take care of yourself and loved ones. 

We appreciate the opportunity to help you. We value our relationship with you and thank you for choosing Chase. 
Please contact us anytime if you need assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05
Company: Georgia Student Finance Authority
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: Information belongs to someone else

Complaint:
Debt is unknown. I personally reached out to Georgia student finance and they told me my debt was with XXXX  XXXX XXXX. I called XXXX  XXXX XXXX and they never answered my calls so I left a voicemail. I contacted my school XXXX  XXXX XXXX regarding the debt I owed and they told me my debt was with XXXX, XXXX XXXX XXXX XXXX XXXX. I have already settled my debt with them. I have no idea who Georgia Student Finance is and I want this incorrect information off my credit report. I havent gotten not one bill from them stating I owe any payments and I havent taken a loan out with them.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: WI
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:
My equifax score dropped from XXXX to XXXX for NO reason, all my bills are paid on time, nothing derogatory, I asserted that because of fraud there were accounts opened in my name, I provided the police reports and my score dropped

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Santander Consumer USA Holdings Inc.
State: AL
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:
This company is continuing to report a 30 day late when in fact it was an accident and total loss and they were paid out. After the accident when I report the accident to the company I asked what I have to do going fwd and the lady on the phone said that if the accident was reported to my insurance and I said yes. She then said the insurance company would handle the rest of it from their end. When I asked about how the payout works she said that as long as the gap insurance covered the balance then should be nothing else owed but if not I could owe. I then told her that XXXX already said they were covering the full cost. She then said that I should be fine and then I did not have contact with them until later when I seen a 30 day late. So for years I have been trying to get them to remove the late. They have record of when the accident was. They have the full payout so there was nothing else I could have provided. To have this remain on my credit and hurt my credit serves them no purpose. Their company gets nothing out of it but I have been continued to have this as a mark against me. There was nothing for me to hide or not pay them for outside of the fact it was a total loss and they were getting the payout from the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 non-monetary relief
Consumer complaint received 2016-04-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Hello! 
I recently resubmitted my income verification for XXXX, which I have been using for years. Navient responded and said I was ineligible for XXXX because I have a PLUS loan -- -but I have been doing XXXX for years. I have submitted several complaints over several weeks to Navient and I have not heard back. If they do not make the correct changes, I will be billed over {$1000.00} in monthly payments. 

Thank you for your help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-11
Company: National Credit Systems,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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX XXXX and XXXX CRAs. On XX/XX/2021, I mailed XXXX XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: YKS Acceptance, Inc.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I purchased a XXXX XXXX XXXX from XXXX and financing was thru YKS Acceptance. I have seen the complaint against then and have contacted the CFPB and was advised that I needed to contact XXXX. I have done so on several occasions and I get told that I need to contact the CFPB. I want to know if I will be included on this. My Acct number with YKS Acceptance is XXXX. I have had nothing but problems with this vehicle and they would not negotiate pricing, charged us {$2500.00} for extended warranty and i would still end up paying for repairs. within the XXXX 30 days the head gasket blew and they charged me for towing of the vehicle back to the shop. I needed a vehicle for my family. they did not give us the option of looking other places for loans.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: EQUIFAX, INC.
State: MI
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:
my identity was stolen and used to purchase multiple fraud accounts. i have reported to the FTC multiple times about this matter as well as made a police report and nothing has changed. this is not fair and i would like some results immediately and also would like to be treated like a priority. This is getting ridiculous and i am tired of getting the run around. 

XXXX XX/XX/XXXX {$13000.00} XXXX XXXX  XX/XX/XXXX {$740.00} XXXX XXXX XX/XX/XXXX {$530.00} XXXX/XXXX   XX/XX/XXXX {$770.00} XXXX  XX/XX/XXXX {$630.00} XXXX   XXXX  XX/XX/XXXX {$740.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XX/XX/XXXX {$630.00} XXXX XXXX XX/XX/XXXX {$560.00} XXXX/XXXX  XX/XX/XXXX {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Last year I found out my daughter had some fraudulent charges on her USAA checking. When we initially opened the account she was a minor and the account was put under my name. Last year I was checking my accounts and noticed that there was a check deposited for around {$10000.00}. There were also XXXX charges to XXXX different XXXX for about {$3000.00} each. I immediately contacted my wife to cancel the card ( I was stationed in XXXX at the time ) and I called the USAA fraud department to file a claim. Over the next few days we waited for someone to get in touch with us to figure out what the problem was. During this time my daughter made a police report to the XXXX Texas Police Department. 

A few weeks after the fraudulent activity I noticed I did n't have full access to all my USAA accounts ( Car Insurance, Home Insurance, Credit Cards, and banking ). Once again I called to see what the problem was. That 's when I found out that USAA was holding my daughter and me responsible for paying back the funds. I 've pleaded to them numerous times about why we 're being charged for something we had no knowledge of. All the reps I have spoke with said my daughter was not the one who did the fraudulent charges, but somehow she was still negligible. 

Their security practices are terrible. My wife has been issued numerous bank cards because of security issues. My son had a fraudulent charge in XXXX when he was at college in XXXX. 

I 've been with the company for XXXX years and I 've never had any problems until I started banking with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Dear FTC, On XX/XX/XXXX I received an alert that my checking account was overdrafted. I checked my account and it appeared a payment I did not authorize was charged against my Webster Bank Visa Card for XXXX On XX/XX/XXXX I made several calls to the Visa / Webster bank credit card company and they said nothing could be done since the payment was processing. They said that I signed up for " autopay '' which I did not. I searched my email and could find no record or confirmation that I signed up for autopay. The supervisor could not explain and the fraud department could not explain when I signed up for autopay and affirmed that all of my payments appear to be " webpay '' ( meaning I pay manually ). 

They said to call on XX/XX/XXXX as the payment will have posted. Webster/Visa says it will take 15-17 days to restore my funds and my bank says it can issue a provisional credit in 10 business days. 

By charging {$1700.00} against my account they have triggered an overdraft from my checking account and left me without access to cash. 

I did not sign up for autopay and believe the Webster/Visa bank may have " robo-signed '' me up for autopay of the full balance without my consent. 

I am asking for an emergency intervention to restore my funds to my checking account.

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 2015-12-28
Company: Diversified Consultants, Inc.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX account opened by my wife & paid by her was listed as mine. Wife attempted to call XXXX XXXX DCI ( the third party collector assigned to the debt ), was hung up on numerous times when she asked my name be taken off the account, was told I was still responsible because we were married though she opened the account & paid bills with her seperate bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Debt Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Debt Recovery Solutions attempting to collect a debt. I am unaware of the company that they are working on behalf of. I sent a letter via email and us mail requesting debt validation. I have not received any confirmation or validation of the debt from this company. This company is now reporting this debt on my credit report with out proof that the debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a notification on my credit report that an negative item was placed in collections.I have never been notified by the agency that I owe them anything.My credit report say debt was reported XXXX XXXX 2016 but the debt was reported by a company named XXXX at that time who sent me a letter dated XXXX/XXXX/2016 saying they are no longer handling the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I contacted the Debt Collection Company by the name of ERC located XXXX XXXX XXXX, XXXX, FL XXXX, Acct # XXXX, asking that they send me verification of the debt that I supposedly owe for XXXX XXXX XXXX XXXX XXXX, in the amount of {$400.00}, that 's appearing on the Credit Files. I stated that I do not recall the account, because I was believe I was XXXX at the time this account was open in XX/XX/XXXX, and would like verification of this amount, along with documents to support my signature of the Debt. As of XX/XX/XXXX, ERC has not responded. I also disputed the entry with the Credit Bureaus, such as XXXX, XXXX & XXXX, all XXXX ( XXXX ) have responded that the information has been verified as accurate. When I  contacted the Credit Bureaus by phone, and asked what information the company provided as verification ( such as contract with signature, name and bill or etc ) and was told I need to contact the creditor. Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I noticed on my credit report an outstanding debt to XXXX that was listed by Diversified Consultants, XXXX Once noticed, I paid the debt off. I never received any type of communication from the collection agency prior to placing the debt on my credit report. Although, I initially disputed the amount due with XXXX I went ahead and paid it. I was not given the opportunity to dispute this debt by the collection agency because I never received any notices from them. I contacted the agency requesting they remove this debt from my credit report for XXXX reasons : 1 ) It was paid. 2 ) I was not properly notified of the debt prior to listing on my credit report ; they refused to do so. this listing without proper notification is clearly a violation of the FDCPA.and FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
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: Information belongs to someone else

Complaint:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 
Respectfully, XXXX 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 2022-03-15
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Citi has locked my account due to suspected fraud and they are unable to unlock the account because they can not verify my phone number. It is the same phone number I used to open the account and the only phone number I've ever had on file with them. I am waiting to receive a letter, which has not come. It is the number I am calling them on, and they can not recognize it. The account is fully paid, and I simply want to close it. They will not close the account. I've called them five times to try to resolve this and they will not escalate my case or utilize any other verification method.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I went to Chase and told them XXXX funding debt from XXXX, was not my debt. I got a letter that said they placed a hold on my account, and then they verified my social security number and Driver 's License, and re-imputed this information into their computer. Then XXXX, bank attendant told me it was not me, so it was cleared. XXXX department said they would take care of it because it was not me. Then we get a new judgment from court allowing them to go after my joint account with XXXX I believe they gave this information to XXXX which is a violation of my privacy, especially since they told me it was not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have repeatedly requested that all over payments get applied directly to principle, but my loan servicer, Nelnet, continually advances the due date. Then they tell me I do n't know how payments work. I then have to educate a willfully ignorant rep on how compound interest works, and advancing my due date is not in my best interest.

Company response to consumer: Closed with explanation