BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-19
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Let 's start by saying that this complaint is related to my previous complaint that was open with the CFPB. Which is related to a case that is opened on my fiancee 's account. His case number is XXXX - XXXX, XXXX XXXX. The initial dispute case is XXXX. Since his request for a contact back to discuss this further has still been unfulfilled I am now forced to open another complaint. 

We have received the response from Chase stating that the merchant gave them documentation showing that the item was delivered to the address we have on file. This is simply not a true statement. This package has been confirmed now by XXXX separate customer service agents at XXXX on XXXX separate occasions that it was not delivered to our home at XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. 

In addition to support that this is a false claim the tracking information only provides that it was delivered to XXXX XXXX XXXX so how they can confirm that it was delivered to our address, without calling XXXX is completely baffling me. XXXX XXXX XXXX is the city of XXXX people, the fact that the address is not on the tracking information, is even more reason for a call to be completeld. I do not understand why they are not required to contact fedex to confirm this information. 

This has gone on so long that I am now 2nd guessing myself and I have now contacted XXXX a XXXX time. Still when I give them the tracking information and the address that it should have been delivered to they confusingly say no mam, that is not where it was delivered. 

They can not give me the address in which it was delivered for security purposes which I understand they don't want me showing up at somebody else 's house to get my package that should have been delivered last year around XXXX time. 

At this point this is based on principle alone, and the fact that people are being too lazy to confirm this information. I now feel as if we have been ripped off by 2 separate companies this should have been a very easy claim to review. The package was never delivered to our address and if somebody would pick up the phone and call XXXX at XXXX XXXX they can confirm that tracking XXXX did not get delivered to my address. 

We have tried to contact Chase to resolve this on our own. We contacted the executive office who was working this case. We never got a call back. I know that there's a time frame involved with this process. So now hopefully we can get the actual personal attention that we need to feel comfortable about this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-20
Company: EQUIFAX, 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:
I settled account with XXXX XXXX in XX/XX/2022 for {$3000.00}. I have received XXXX settlement in full letters stating the account is closed and payment was received. One letter received in XX/XX/2022 and one in XX/XX/2022. However, the credit bureau is reporting that the {$3000.00} was applied to the balance and I still owe. It says that I have been past due since XXXX. I have tried to dispute with credit bureau XXXX XXXX and it has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions 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 information is incorrect there fore when they say it is reporting correctly they are be honest and they have not sent me any proof other than a computer generated letter that they send everyone I have a right to privacy per USC 1681 In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-03-04
Company: FCC Finance, LLC
State: GA
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 had an account with XXXX XXXX which I paid faithfully. When I was preparing to move, I reached out to XXXX to give them my new address. By that time, they had gone out of business, so I could not contact them. A company named FCC Finance shows up on my credit report a few years later and claims that they have the XXXX XXXX debt. They never sent the information to my address. 

I have requested validation, as permitted by law, such as amount owed, last payment received, when the debt was supposedly transferred. I do not owe a debt to this company. I sent them a letter asking them to verify the debt. They DO NOT EVEN READ THE LETTERS! They just send back a letter saying it's verified. There's no way it can be verified because the original company is out of business. They are reporting me as120+ days late for more than two years! This is wrecking my credit score. All of my other accounts are current and this is affecting my ability to get a mortgage and I have been denied for credit several times recently. 

I sent them a certified letter requesting the validation. I waited 60 days to hear back and got no response. At this point, the debt should have been removed from my credit profile. About 75 days later, they responded with the same standard letter saying the debt was valid. They are not adhering to the law and it is having an adverse effect on my personal credit profile. 

I need to see when they supposedly took over, how much I owed at that point, how payments were applied to my balance. The information they are reporting has to be incorrect because it can not be verified. I am suffering irreparable harm from this inaccurate reporting. I have reach out to them several times and it seems like they ignore my request and just send the standard form letter verifying the debt. 

Also, XXXX has not been any help. I tried to get their assistance and they sent back a form letter saying they didn't know " the nature of my request or that my request was illegible. '' This is because they use a computer to review the information. The letter was typed and we certainly legible. I need a human to read the letter to see the nature of what I am requesting and remove the negative information. 

I implore you to advocate on my behalf to get the negative information removed from my profile so I can move on with my life. I have a history of good paying accounts and I am trying to launch a business during an uncertain economy. I need to have my personal credit in good shape and this unfortunate discrepancy is making that very difficult.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
There have been in the past months trouble and harassment from Bank of America ( XXXX ) account. I have automatic payment at the end of the month, so payment is never an issue. I have experienced constant from BOA employees from disputing a charge, the male employee gave me a hard time about disputing the charge to today XX/XX/XXXX my charge card was reported stolen, not by me. I spoke to XXXX this morning who stated he has no idea why or who reported my card as stolen when he reviewed the note, he stated I even responded to an e-mail and confirmed I made a charge payment. I have spent many a phone call with BOA and feel the last BOA employee reported my card as stolen. I will report to the Delaware attorney general of BOA Deceptive practices and harassment to US consumers and elderly. I should not have to keep track of who I speak to at BOA or Bank of America, but it seems I do. A new card is being mailed out to me as of today from what XXXX informs me, but I have spent a lot of time dealing with BOA harassment and deceptive practices. My XXXX XXXX number are XXXX XXXX XXXX XXXX exp. XX/XX/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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
on XX/XX/2022 i recieved a hard inquiry from XXXX XXXXXXXX i have never ran my credit or authorized it to be nor have i ever been associated with this company it also states on the dates XX/XX/2022, XX/XX/2022, XX/XX/2022 inquries was made 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 2023-05-07
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I closed this credit card over 45 days ago. This credit card should be listed as closed, paid, or removed on my credit report. 

Accurate information is required to be verified by all credit bureaus based on the FCRA.

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 2023-02-09
Company: GOLDMAN SACHS BANK USA
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had an Apple Card for 3 years and have always paid my balance in full every month and have had to any interest. In XX/XX/2022 I was looking at my transaction page and saw where this merchant which I knew had charged my card multiple times on that day I was checking it. I am talking a lot of money. I right then got in touch with the merchant and notified Apple Card. I have to be honest I am terrible at checking my monthly statements but I had noticed that XXXX and XXXX my bill was high but just thought I needed to slow down on spending. I checked the previous 2 months and there were numerous charges from that same merchant. I then turned them in also. I am talking over 70 transactions and thousands of dollars. It was a 4 month ordeal and they were all ruled in my favor. Apple Card has not credited my account with all the charges to this day. I have all the dispute transactions in my favor. I did have to dispute most of them a second time. On Monday morning XXXX XXXX, I got an email telling me my account had been closed for not following their agreement. I called them and they said read your email. I said why would you have done that. I pay my bill every month. Oh and they had just given me a XXXX line of credit raise.My credit line was {$37000.00} after the increase. There is still a XXXX balance but I know if they would had posted all the charges that I won in my favor they would owe me. I asked them if all the disputes were complete and they told me no and I said how can to close my account and I know you have not credited my account with some that I won. I have figured there is about {$10000.00} worth that had not been credited to my account. I have all the resolved emails, snapshots of my account and the ones they have not credited me. When I asked how many disputes were still open, and they said 12 and I said I dont know how you can close my account. I said well how do I know my balance will be the same and she said well there is only 3 left and its figured into your balance. That was a lie. They were trying to get me to pay off the balance on Monday and I almost did, but thought something is not right. I have all the chat messages also. I dont want their charge card anymore that dispute fiasco was a nightmare for 4 months. But I do want what is coming to me, I had payed for XXXX and XXXX and didnt catch it until XXXX, but at least it was at the beginning of the month. I have a credit score of XXXX and I dont want it to be destroyed from this. I did nothing wrong but dispute fraudulent charges!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-12
Company: SANTANDER HOLDINGS USA, INC.
State: AL
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:
On XXXX I went into XXXX XXXX Car dealer in XXXX XXXX, Alabama to inquire about leasing a Jeep, after lengthy conversation With salesman ... decided to try for one and was told it would only require 1 credit pull ... as I waited to see I started getting multiple alerts that my credit was being pulled, went into sales office and asked what was going on and was informed they turned down the lease and they were running my credit with lenders for purchase ... I was furious as I did not ask nor want that ... I never signed or filled out an app for purchase nor did unauthorized any type of credit pulls for this, sales said they just thought I would want this and admitted fault ... said they would reverse the inquiries but have not done it yet... They had no buisness playing with my social this way and asked me to leave there buisness when I busted them on it... there is nothing in the form of paper work as I signed nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Im accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section states. No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting Agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 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 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 2017-12-05
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage service transfer from XXXX XXXX on XXXX I sent the quoted pay-off of {$8900.00} with a personal check. 
the company representative claims that it is not possible. 
The original loan terms does not require this. 
The company claims that the terms of the service transfer has not changed. 
This seems to be a untrue claim as a identical loan was paid off to XXXX XXXX with a personal check this last XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX act number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I opened PayPal case XXXX on XX/XX/2021 against a fraudulent transaction from XXXX where merchandise was purchased and incorrect delivered. On XX/XX/2021, PayPal incorrectly denied my claim after I had provided ample evidence that the merchant failed to honor their contract : the merchandise was purchased with XXXX Int'l Priority shipping to arrive within days, but the merchant sent it with economy shipping to arrive months late to an address I had moved away from and was no longer living in and had no intent of returning to, fraudulently pocketing the change. I attest under penalty of perjury that this is true to the best of my knowledge. Evidence consists of screenshots ( proving delivery time, and proving the merchant had allegedly acquiesced to a refund ). Verbatim text of paypal dispute originally submitted is attached.

[ please redact all attachments and this sentence when publishing this complaint online, thank you ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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