BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit 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:
Original Complaint On XX/XX/2023 I purchased a piece of furniture for {$2600.00} from XXXX XXXX. The purchase was made via my Chase credit card. The order form stated a delivery date of late XXXX - early XX/XX/2023. As of XX/XX/2023, the item was not delivered. I contacted the company and was told the item would be sent in XXXX. The item never came. I contacted the company again and was told it would be delivered in XXXX. Come XXXX the item never came. I contacted the company and was told maybe next month. At this point the company was not giving me an estimated date, and I felt the like the order was a fraud. I told the company in an email, " unacceptable '' I know longer want the merchandise. It was months past the delivery date. I did not get a response. Come XX/XX/XXXX, the company dropped the item off at my house. I did not sign for it. I contacted the store, and they are currently in XXXX XXXXXXXX. They are now run by a liquidation company. I called my credit card Chase to dispute the purchase. Chase opened the dispute under the category " item not received ''. The company provided the delivery date and Chase closed my dispute. I reopened the dispute, telling Chase all of the facts. Chase closed the dispute this time stating I did not attempt to return the item. I did in fact attempt to return the item, and I did not accept it either. 

Company 's Response We reviewed your account and confirmed that our previous findings for your {$2600.00} charge from XXXX XXXX on XX/XX/2023. The charge is valid because we have not received valid supporting documentation showing you attempted to cancel prior to delivery, and attempting to return the product. If you can provide proof that you told the merchant that you wanted to cancel prior to the delivery date and requested a refund with the merchants response ; we will review the case again. The documentation that we received is not valid, it does not indicate you requested to cancel and want a refund. The charge will remain on the account. We encourage you to work with the merchant directly, or seek other options outside of the dispute process to obtain a credit. 

My additional information, I did provide evidence that I wanted the order canceled. Attached I am providing the whole email change. I clearly asked to have the order canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on the Credit Bureaus to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to delete or information not later than 4 business days. Ive already included these in my previous Complaint am including them again., 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I wish to stress that I have no association with these creditors, and I did not instigate this inquiry on my credit report. I urgently beseech you to take immediate steps to remove it without any additional delay. I kindly request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply valued and greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: American Credit Acceptance, LLC
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
So online the car is advertised for {$19000.00} I get prequalified through XXXX XXXX XXXX for that dealer so I go to the dealer before or before that I am I could application and had a cosigner they told me to come in they going to deny the preapproval from their partner that they had online so then theyre trying to find me a lender dimensionally do and then say that they need a minimum of XXXX down so then I asked for the shooting in statement which you should have any more paperwork to it they just gave me the sales quote but that was good enough for me at the moment because I was able to see the amount Finance how much the car is costing taxes and fees so XXXX XXXX  was XXXX and price of the car was XXXX sold in the fees was one for XXXX and then another one for XXXX and another one for XXXX so total I was going to be paying a total amount pain is {$27000.00} which is ridiculous because when they did not go over the details with me about any of those charges or they did not tell me which charges I was kidding or what add-onsOr anything they did not disclose any information with me at all and then expect me still to pay the money including title 15 USC 1605 states they can not be no cash involve me in a finance charge the down payment you can not be as illegal and they were still trying to convince me he still channelizing or will they charge for this and this is because it is what it adds up to this and they were just you know trying to find a way around it which is I think misleading in bed practices so thenAre you on the phone with the credit unions underwriters and they tell me they cant speak with me because they want to go to the dealer but I was able to explain to the underwriter who am I sitting by my point by where I stand at it with issues and she did not tell them that I had talk to her so the underwriter straight out just lied so they called back again to get somebody else find that guy into XXXX guy he did call the dealer and then I called the dealer to ask if they had talk to him and he said yeah but Im not gon na worry about that right now I got other customers in front of me right now Im not gon na deal with that right now when beforehand I was there before this customers and I hit XXXX and I feel like it was a lot more important than two customers just walking in but like I said they were trying to avoid the tuition and then at the end they were saying that they were not going to sell me a car and they were denied me a consumer credit transaction so then they basically dont wan na sell me a car because theyre breaking federal law. 

IMPORTANT FEDERAL LAW VIOLATIONS : TITLE 15 USC 1611 TITLE 15 USC 1605 TITLE 15 USC 1662B TITLE 15 USC 1635 TITLE 15 USC 1679a Dealership name is XXXX XXXX XXXX XXXX Washington

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My name is XXXX XXXX and I'd like to file a complaint against XXXX, XXXX and Experian and all the secondary bureaus. Under the provisions made by the Fair Credit Reporting Act, I have the right to accurate reporting of any and all information pertaining to me. 
With that being said, I'm requesting that : The : Dismissed Bankrupcy that is showing on all XXXX bureaus be deleted immediately. This information is inacurrate and can not be verified. 
Thank you!

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 2023-12-08
Company: DISCOVER BANK
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I found this account opened in my name in XXXX, discover closed it and then provided a 1099 showing I wasn't liable for the amount. 

Despite this, it has remained on my credit hurting it. I eventually paid the amount despite it not being mine ; however, discover is still reporting it on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Experian Information Solutions Inc.
State: NJ
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 am requesting the following items should be remove asap. Please provide the documentation of the verifying process. 
The items are not correct and are causing me financial distress because of their derogatory information. The items are as follows : ACCT XXXX XXXX-Disputed before yet still remains XXXX INCACCT XXXX XXXXXXXXDisputed before yet still remains XXXX XXXXXXXX ACCT # XXXX before yet still remains XXXX  XXXX ACCT # XXXX before yet still remains XXXX XXXX XXXX ACCT XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX ACCT XXXX XXXXXXXXDisputed before yet still remains XXXX XXXXXXXX ACCT XXXX XXXXDisputed before yet still remains XXXX ACCT XXXX XXXXDisputed before yet still remains XXXX XXXX, XXXX XXXX XXXX-Disputed before yet still remains XXXX XXXX XXXX XXXX XXXX-Disputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX ACCT # XXXXDisputed before yet still remains XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXXXXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX-Disputed before yet still remains XXXX XXXX XXXX  ACCT # XXXXDisputed before yet still remains XXXXI acct # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX  ACCT # XXXXDisputed before yet still remains

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 2023-12-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the fair Credit reporting act ( XXXX XXXX XXXX. Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX XXXX Account # XXXX ) and i never made a credit application with these companies ( 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and feel my rights are being taken advantage of 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 an account without my written instructions! 



In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2023-10-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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. 

Account Name & Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. The bankruptcy court do not report to the credit bureaus that is a violation of my hippa 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 explanation
Consumer complaint received 2023-12-08
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
This was many years ago and the bank is Wells Fargo, I have recvd compensation BUT this infuriates me. I have a story to tell about how Wells Fargo ruined me in every way and now idk how many years later they get to say sorry heres a little money Have a good day.No way Im not an account # I am a real life person, at the time a XXXX, recently divorced single Mom of XXXX, and I still struggle emotionally & financially because of the greed of Wells Fargo. They repossed my car, that I was current on my payments on, I was moving at the time took so much personal belongings from me I went to the Police Dept..No help called and wrote and begged and cried argued ... I was treated like a low life by everyone like I didnt pay my loans kind of person, nobody beleived me & my relationships with my loved ones, ( son sisters Mom my family ) XXXX I dont know if this will go the same place my original plea for help went IDK really even what else to say but I got probably {$6100.00} from XXXX in the past few years. 
IT IS NOT ENOUGH Who decides the damage such an event like this has on someone else? No I didnt lose a home on paper but I always planned on rebuilding my life buying a home for my kids and I ..But no way my credit was too damaged for that and ever since then I pay MORE for everything because my rates are so much higher ..So yes I do feel XXXX I lost so much more than a car jewelry cash unknow value XXXX but yea I lost a mortgage I lost my family I lost hope. I just want curse and screem ..How dare they? How come they are still in business It makes me sick They arent being punished they are gon na stop stealing fro. American people they owe me more I dont think I could put a number on it - what is the going rate on losing the respect of your son? The heartache of not being beleived because its Wells Fargo they dont make mistakes like that..My family wanted to know where the money for the car went? How could I buy my son a beat used car for hos 1st job then do something else with the payment money? Oh boy did I suffer to THIS DAY my closest family is gone the truth is out now idk 10 years later.. Cant get that time back and my family let me down I cant forgive them or Wells Fargo .

To Wells Fargo, I hate you ALL of you, you should be in XXXX, you should be made to be alone and struggle and have NO MONEY NO HOME ugg sickening greed So I just had to say this Thank you for allowing me to FINALLY be heard. 
Respectfully 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 2023-10-20
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ON XX/XX/XXXX I REQUESTED Please delete this account for violation because date last of active has been illegally re-aged and shows three different dates across XXXX, XXXX, XXXX. Please delete lts ' this account for inaccuracy because the account status say paid but the payment says collection. please do not correct but remove this account. Please remove this account because the creditor failed to notify consumer of dispute and did not update that they actually performed and investigation. Please remove this account immediately THIS CREDITOR HAS ILLEGALLY REAGED MY CREDIT REPORT ON XXXX AND XXXX BY ONE YEAR!!!! THIS IS A FCRA VIOLATION. THE CREDITOR NEVER UPDATED OR SENT THE RESULTS OF THE INVESTIGATION. I PAID THIS ACCOUNT AND THE CREDITOR STATED THEY OULD PAY TO DELETE!!!! PLEASE REMOVE THIS ACCOUNT FOR VIOLATIONS I HAVE SUBMITED SEVERAL LETTERS NO REPSONSE FROM THE CREDITOR OR BUREAU ON XX/XX/XXXX I REQUESTED I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this 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 2023-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I've made an agreement with Bank of American to pay off my debt in XXXX installments of {$68000.00} to be paid in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, however Bank of America listed me as delinquent because my payment was 30 days late and my last payment was on XX/XX/XXXX of {$100.00}.

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 explanation
Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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 Fait Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy an confidentiality under 15 USC 1681. 

XXXX XXXX acct # XXXX XX/XX/XXXX - date opened. 
XX/XX/XXXX - last updated. 
{$3200.00} - amount XXXX acct # XXXX XX/XX/XXXX - date opened. 
XX/XX/XXXX - last updated. 
{$800.00} - amount. 

15 USC 1681 section 602 A. States I have a right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information or any other ADVERSE item of information, other than records of convictions or crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or any consumer reporting agency of 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 explanation