BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: JPMORGAN CHASE & CO.
State: SD
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:
A short summary of the situation - The chase customer service representative either misheard me over the phone or inputted the wrong number of points to transfer from my chase ultimate rewards account to my XXXX XXXX points account and they are refusing to put the difference back into my account. Please see the detailed description of events below. 

XX/XX/XXXX - On the phone with the customer service representative from Chase to transfer I requested a transfer from my Chase Ultimate Rewards with the amount of XXXX points to my XXXX XXXX Account ( Order # XXXX ). Upon the completion of the request, received the confirmation email stating the transfer of XXXX points was completed instead of the original requested amount of XXXX points. Immediately called the customer service department to report the error and the representative confirmed that the request will be elevated and the overage amount of XXXX pts would be reversed in 7-10 business days. 

XX/XX/XXXX - Received a letter stating the point redemption can not be reversed. 

XX/XX/XXXX - Contacted the customer service department to correct the issue and was confirmed the case would be elevated to the marketing department and the process would take 5 days. 

XX/XX/XXXX - After XXXX business days, contacted the customer service department to request a follow up on the case. XXXX acknowledged that the point redemption request was processed by the customer service representative and since the mistake was done at their end the point redemption reverse is possible with the call review. No wait time was given. 

XX/XX/XXXX - Received a letter stating the point redemption can not be reversed. 

XX/XX/XXXX - After 14 business days, contacted the customer service department to request a follow up on the case again. Different supervisor from the call on 9th noticed the previous supervisor requested for the phone review incorrectly, therefore resulting in refusal of the point redemption reverse. that there is nothing she could do at this time besides elevating the case to the marketing department again. The process would take 7-10 business days and the notice would follow. ( XXXX name : XXXX XXXX # XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-30
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello TD Bank Credit Card : In response to your attached voicemail message, we do not accept your reasoning for why you are reversing our credit card dispute charge back that you previously ruled in our favor, because we think that you are confused. 

The reality is that XXXX XXXX XXXX XXXX was hired to remove our case for litigation to the United States Supreme Court. 

Due to their perceived negligence, recklessness, and willfulness, as well as perceived bad faithXXXXdiscrimination against us contained within our previously submitted exhibits/documents, we are now forced to litigate this matter in the lower biased corrupt New York Supreme Court because they submitted our Writ too late after causing it to be rejected 3 times. 

So while the case may be docketed finally in US Supreme Court, it does not matter because XXXX XXXX got their product in AFTER NYS Supreme Court XXXX XXXX XXXX ordered us to respond ( and accept NYS Supreme Court jurisdiction ) because XXXX XXXX ( supposed 20 plus years professionals ) got rejected XXXX times since XX/XX/2022. 

Now that TD has apparently reversed this charge in XXXX XXXX ' favor, we will be suing TD Bank as a co-defendant. 

Be guided accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: NC
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Per 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

These debt collectors are continually calling me, sending me documents in the mail for a debt. They are under the false impression that I have contracted with them for a debt that was discharged by another company. They purchased an old discharged debt and are sending me threatening phone calls and conducting Mail Fraud through the USPS for an invalid debt. They have no contract with me for any debt or credit and have not provided such proof when asked.

Per IRS rules any debt that is discharged is considered income and that is not reportable. These Debt buying companies have purchased these old discharge accounts and are trying to collect on a debt that is no longer valid. 

They are calling me daily multiple times a day and will not stop even after I have told them to not call me anymore, or communicate with me for a debt that is not mine. 

I submitted previous multiple requests for investigation and the Credit Reporting Agencies failed to conduct a proper legal investigation and simply reviewed information from XXXX and other agencies and did not properly investigate. They put false information on my credit report, not providing the required documentation of proof that there was a legal contract with actual wet signatures from BOTH parties to the contract for these debt collectors. There NEVER will be since I never signed any contracts with them, they are debt buyers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-07
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is in regardto XXXX XXXXXXXX XXXX Loancare XXXX XXXXXXXX 's handling of my escrowaccount. On XX/XX/XXXX my wife and I contacted Loancare to advise them that we'd alreadypaid our taxes individually because Loancare had not corrected the escrow payment amounts and they also had incorrect account numbers. We requested an escrow analysis whichwould 100 % determine that a large refund is due to me. Loancare advised me that XXXX XXXX and the employees who conducted my closing are the ones responsible for providing the incorrecttax amounts and account information and that they, XXXX XXXX are responsible for providing the incorrect information. Now at this point as I review my account I can see that an escrow analysis was not completed as requested back on XX/XX/XXXX. Instead Loancare recently sent an escrow payment to the school taxing authority whichhas now resulted in my annual school tax being paid twice. First on XX/XX/XXXX by me and again on XX/XX/XXXX by Loancare. I now have to contact the tax collector to get my money back fromthe overpayment. A proper escrow analysis would have revealed that as my wife and I had advised all taxes were paid on XX/XX/XXXX. Loancare owes me a major refund because my XXXXXXXX XXXX and county taxes have already been paid AND there is also an excess in the escrow balance. I am requesting my escrow balance refund from Loancare to be processed at the end of XXXX after I have made my XXXX mortgagepayment. I am also requesting a true escrow analysis to be conducted.

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 2022-07-30
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$820.00}, {$0.00}. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the enclosed information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit report you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Enclosed is a list of negative items that need to be re-investigated. 

Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX  XXXX XXXX with XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$820.00} -This is not my account. 

XXXX. XXXX with XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 non-monetary relief
Consumer complaint received 2022-07-30
Company: BAM Management US Holdings Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Around XX/XX/2021 I decided to try investing in what i later realized was a Fraudulent company named XXXX XXXX aka XXXX. I invested XXXX INR in hopes of making enough of a profit so i could pay for my daughters educational expenses. However i was scammed and lost all of my money. 

They told me i should invest via Binance, so they trained me on how to use the app. 
I did not know how to invest or trade or anything about cryptocurrency really, so the scammers instructed me on how to do everything, they monitored me closely and after i while once i had decided to drop the entire thing and tried withdrawing my funds they blocked me from doing it and cut all ties with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Purchased a car XX/XX/XXXX and credit acceptance corp was my finance company. Same purchased car caught fire XX/XX/XXXX. Went to the dealer I purchased from when the engine first started knocking and was sent down the street to another dealer that honors my extended warranty but to no avail issue was not fixed and by the next morning while driving the car back to the dealer it caught fire and almost killed my daughter and I had I not pulled over and exited the car when it started to smoke. After calling the dealer and telling them what happened I was told Im sorry to hear that but your own your own. Extended warranty told me they dont cover fire. I was sue by credit acceptance XXXX with no recollection since the court notice was placed on my door I used to live at but that is acceptable as being served in Maryland so of course they won the lawsuit. My wages have been being garnished since XX/XX/XXXX up until I lost my job XX/XX/XXXX and since the entire time the loan is still on my credit report as open and 180+ days late reported every month!!!

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 2022-12-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: General Motors Financial Company, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On about XX/XX/21 I initiated a consumer credit transaction with my social security number, also referenced by congress as a credit card, pursuant to 15 USC 1602 ( l ). The term credit card means any card, plate, coupon book, or whatever credit device existing for the purpose of obtaining money, property, labor, or services on credit. The purpose of this consumer credit transaction was to obtain an automobile, I was denied access to my open ended credit. As a consumer, natural person, and original creditor, I have an open ended credit plan, it is unlawful to deny me my own credit I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non compliance pursuant to 15 USC 1681o , 15 USC 1640,15 USC 1691e . Further more pursuant to 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ''. A denial of my open ended consumer credit constitutes to discrimination. Pursuant 12 USC Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
State: MO
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:
Upon reviewing my reports, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports that need to be corrected and removed in my file immediately : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-09-27
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take into consideration this complaint I am writing to inform you that your information is inaccurate. I do not recall having bankruptcies on the dates you are reporting and there are blank fields making your information incomplete as well. Additionally, this is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove them immediately. 

XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX, XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EdFinancial Services
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX I placed a call to edfinancial to refund my payments and they said it would be 180days or more before they could do that. I called on XX/XX/2022 and they did not submit my request so I asked again to refund my payments. At this point they said yes and it'll be 180days or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
USAA has not issued the refund that was given to them by XXXX XXXX XXXX. The card is closed. I was told it would be sent to me via check. Then I was told it would be sent to XXXX. None of these things have happened. See below for XXXXXXXX XXXX  response regarding the refund status. 


I have reviewed reservation # XXXX and can confirm that the deposit of {$500.00} was returned to the original form of payment, card ending # XXXX, on XX/XX/2022. 

We encourage you to reach out to your financial institution if you have not yet received these funds as they have not been returned to XXXX XXXX XXXX at this time. 

I hope this information has been helpful. If you require further assistance with any other inquiries, please feel free to contact us. 

Have a Wonderful Day. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-09-02
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I contacted Navient numerous times to get a lower payment. Each time they do financial assessment, they say I am not qualified for a debt reduction when my expenses exceed my income. Neither do they have or offer any alternatives that's fitting to my situation. All Navient do is continually increase my interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Apparently, I dont have a credit report that exists on any of the credit bureaus. So whenever someone goes to verify my Social Security number through the credit bureaus it says that I dont exist and the numbers dont match.

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