BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-07
Company: JPMORGAN CHASE & CO.
State: TX
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:
I purchased a XXXX XXXX ticket ( {$210.00} ) on XX/XX/2020 and the flight was later cancelled. XXXX XXXX refuse to refund the money but only give me vouchers instead. 

So I dispute this charge with my credit card company on XX/XX/2020. The dispute was declined by my credit card company ( Chase ) on XX/XX/2020. 

So I have to call XXXX XXXX again asking them to refund the money. They agreed to refund this time and showed me the refund process was already completed on XX/XX/2020. They have the refunds request number and the document number. 

But this refund was never showed on my credit card account. 
I called my credit card company, they insist that they did not receive the money and do not allow me to dispute the charge again. 
I called XXXX XXXX, they claimed they have completed the refund and show me the document number. 

I don't know where is the money and both sizes claim they have done nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I got a car from a dealer in XXXX and I was paying to him, then he transferred me to another Merchant which I was making my payment to, then the car engine went out in XX/XX/XXXX. Then I called the merchant up to tell them I wont be paying for the car anymore, I gave them the contact of the auto shop and number. after awhile he called me up and made me a deal to settle the car for {$2000.00}. 
I said ok, he sent me a email to have that in record, I made a payment of {$900.00} and {$400.00} to the merchant. I make him a payment of {$600.00} again then I emailed him he same day he did not respond. I waited till Thursday and called him and he said he wont do it anymore that the deal is off. 
So I said ok and I contacted my bank due to him not holding up his end of the deal. The bank did nothing did not get my money back.

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 2023-06-23
Company: Experian Information Solutions Inc.
State: MD
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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXXXXXX XXXX XXXXXXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2021-10-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have asked for these companies to provide me with Identifying the person who had these accounts under my name. I have asked for proof of debt over five months ago and have yet to receive proof nor a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have asked for these companies to provide me with Identifying the person who had these accounts under my name. I have asked for proof of debt over five months ago and have yet to receive proof nor a response.

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 2021-10-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have requested that the below addresses be removed from my credit report, I haven't lived there and don't recognized the addresses : XXXX XXXXXXXX XXXX XXXXXXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX The address that have been at for a number of years is : XXXX XXXX XXXX XXXX, OH. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company is a complete joke. The statue of limitations to sue on this debt has been expired but they were granted a judgement even after submitting all my answers with the court. The statue of limitations in AZ is 4 years on auto debt. The date of last activity was XX/XX/XXXX. It is XXXX of XXXX. Even after letting them know i am not working and can not fulfill their XXXX XXXX  monthly payments they are not willing to work with no one. I am almost positive they lied and stated they did not receive my disclosures statements in the mail because this is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX ; XXXX  XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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 have tried with XXXX XXXX on multiple occasions to have to validate and remove debts that do not and are not ever associated with me. I asked them how they can keep allowing these things to be reported when they dont belong to me, never been in any address Ive ever lived at. They continue to tell me why you have to contact the creditor. In other words, they are not properly verifying collections accounts they are placing on peoples credit. Not only that I sent to dispute letter and their response was they dont believe it came for me so theyre not going to investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to submit an address update to my file, The only addresses that should be on my report are XXXX XXXX XXXX XXXX Ohio XXXX and XXXX XXXX XXXX XXXX Ohio XXXX. 
The other addresses need to be removed immediately as I haven't lived there in over 10 to 20 years. No accounts are relevant to those outdated addresses.

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 2022-09-13
Company: HYUNDAI CAPITAL AMERICA
State: AR
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:
I bought a new XXXX and had it financed through Hyundai XXXX. I sold the car to the dealership whom I purchased it from on XX/XX/XXXX. I have patiently waited for Hyundai XXXX to report on my credit that the car is either paid off or no longer my responsibility. My credit report still shows the car loan active as of today XX/XX/XXXX. I purchased another car, and my credit report currently shows I have {$60000.00} in car loans. This is negatively affecting my debt-to-income ratio and keeping from refinancing or getting other loans. I have contacted Hyundai XXXX multiple times and have been promised the issue will be resolved and it has not been.

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Ive contacted companies multiple times regard my background coming up as fraud with previously proof showing identity.

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 2023-06-23
Company: AMERICAN EXPRESS COMPANY
State: LA
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:
XXXX XXXX XXXX Disputed XX/XX/2023 XXXX XXXX said it's verified. By their own information they are a buyer o the debt. So therefore I don't owe XXXX. The original creditor is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not give anyone permission to put anything on my credit or to give out any information. 
XXXXXXXX XXXX Balance {$240.00} Original Creditor : Not Available XXXX XXXXXXXX Act. # XXXX Opened XXXX Reported Unknown Condition XXXX Balance {$740.00} Original Creditor : Not Available XXXX XXXXXXXX Act. # XXXX Opened XXXX Reported Unknown Condition XXXX XXXX  # XXXX Closed XXXX Opened {$200.00} Credit Limit {$150.00} Balance Individual Account Revolving Account Type Closed Condition XXXX Date Reported XXXX XXXX # XXXX 60 Days Late XXXX Opened {$520.00} High Balance {$0.00} Balance Individual Account Installment Account XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Payment XXXX XXXX Balance {$240.00} XXXX XXXX : Not Available XXXX XXXXXXXX Act. # XXXX Opened N/A Reported Unknown XXXX Compare this account across all bureaus. 
Show Comparison Creditor XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX | ( XXXX ) XXXX XXXX XXXX  XXXX # XXXX Closed XXXX Opened {$520.00} High Balance {$0.00} Balance Individual Account Installment Account XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Payment XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed XXXX XXXX XXXX XXXX XXXX {$580.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed Condition Compare this account across all bureaus. 
Show Comparison Creditor XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$1000.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed XXXX XXXX XXXX XXXX XXXX {$580.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed Condition Primahealth Credit Act. # XXXX 90 Days Late XXXX Opened {$0.00} High Balance {$8200.00} Balance Individual Account Installment Account Type Closed Condition XXXX Date Reported {$0.00} XXXX Act. # XXXX 120 Days Late XXXX Opened {$200.00} Credit Limit {$150.00} Balance Individual Account XXXX Account Type Closed Condition XXXX Date Reported {$0.00} Payment XXXX XXXX XXXX Act. # XXXX 90 Days Late XXXX Opened {$0.00} High Balance {$0.00} Balance Individual Account Installment Account Type Closed Condition XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance Dept Of Ed/XXXX Act. # XXXX Current XXXX Opened {$0.00} High Balance {$23000.00} Balance Dept Of Ed/XXXX  Act. # XXXX Current XXXX Opened {$0.00} High Balance {$1400.00} Balance XXXX XXXX XXXX XXXXXXXX Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$10000.00} Balance XXXX XXXX XXXX # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to bring to your attention a serious issue regarding a credit reporting agency 's failure to update incorrect personal information, including names, addresses, phone numbers, and employers. Furthermore, it is evident that the agency 's actions constitute a violation of the Fair Credit Reporting Act ( FCRA ) provisions. 

I recently reviewed my credit report obtained from [ Credit Reporting Agency Name ], and to my dismay, I discovered several inaccuracies and outdated information that have not been rectified despite my efforts to have them corrected. The incorrect personal details that remain unaddressed include : Names : The credit reporting agency has failed to update outdated and incorrect names associated with my credit profile. This has led to confusion and potential misidentification when my credit history is assessed. 

Addresses : Despite numerous requests to update my current address, the credit reporting agency continues to report previous addresses that are no longer valid. This misinformation could potentially affect my eligibility for credit and create unnecessary complications when conducting financial transactions. 

Phone Numbers : The agency has neglected to update incorrect phone numbers associated with my credit profile. This oversight not only compromises my ability to be contacted in case of legitimate credit inquiries but also raises concerns about potential misuse of my personal information. 

Employers : The credit reporting agency has failed to accurately update my employment information, listing outdated or incorrect employers. This misrepresentation of my employment history could negatively impact my creditworthiness and distort the accuracy of my credit profile. 

These persistent errors and the credit reporting agency 's failure to address them demonstrate a clear violation of FCRA laws. As outlined in the FCRA, consumers have the right to expect accurate and up-to-date information in their credit reports, and credit reporting agencies are obligated to ensure the maximum possible accuracy of the information they provide. 

I have made repeated attempts to resolve these issues by contacting the credit reporting agency directly and submitting formal disputes through certified mail. However, despite providing clear documentation supporting the necessary updates, the agency has not taken any action to rectify the inaccuracies within the required time frames.

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 2023-02-27
Company: Michel Law, LLC d/b/a Level One Law
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I signed a contract with Level One Law in XXXX First payment was XX/XX/2022 of XXXX XXXX a month. I made 5 payments of XXXX. Totaling XXXX. They said I had 30 days to get a full refund I did not see that in the contract. Besides what I have been told they can not use my funds except for a settlement and no settlement was ever reached. One time they told me fees would be paid in XXXX another time XXXX of XXXX. I know if you they reach a settlement they can deduct their fees for that settlement. But nothing more and as stated earlier no settlement was ever reach

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Experian Information Solutions Inc.
State: GA
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 and reporting act the following creditors ( XXXX XXXX ) ( XXXX  XXXX ) ( XXXX XXXX XXXX ) has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 2 states a consumer reporting agency can not " FURNISH '' an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

You can find the following attached photos of the accounts i would like to be removed for not Honoring my CONSUMER RIGHTS.

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 2022-09-13
Company: Arena Investors, LP
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started to receive magazine subscription invoices, one after the other starting with a billing date of XX/XX/2022. The 1st was for XXXX XXXX XXXX for {$15.00}. It was sent to a " XXXX XXXX XXXX at my address. I have never heard of this magazine and never subscribed to this. I contacted the company and told them I never subscribed to this magazine. I received another for XXXX XXXX for {$69.00} due XX/XX/2022, XX/XX/2022, XX/XX/2022 and monthly with past due statements.. I got an invoice for XXXX XXXX XXXX for {$29.00} and another invoice for {$29.00} due XX/XX/2022 and monthly. I got another invoice for XXXX 's XXXX XXXX for {$35.00} monthly. I got another invoice from XXXX XXXX for {$12.00} with a due date of XX/XX/2022, XX/XX/2022 and XX/XX/2022 and monthly with past due thereafter. I got another invoice for " XXXX XXXX '' The XXXX XXXX ( I never heard of this ) for {$40.00} due XX/XX/2022, XX/XX/2022, and monthly XX/XX/2022 which states that I ordered XXXX and XXXX XXXX. I got another invoice for XXXX 's XXXX for {$19.00} due XX/XX/2022. 
Note, I do not read these magazine. I never subscribed to any of these magazines. Some were sent to " XXXX XXXX '' and some referenced an old address of mine. I believe that this is a scam to collect money. This is fraudulent and possibly identity theft. 
Today XX/XX/2022, I received XXXX XXXX XXXX XXXX debt collection bill for {$29.00} to collect a debt for XXXX XXXX XXXX which may be related to these magazine invoices. I am disputing this debt by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo was signing a prevention of foreclosure contract with us on the last day that the contract had to be signed they hit us with an additional XXXX to the contract and pretty much had us to sign it or lose the house!

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