BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-23
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am a senior citizen and I was taken advantage of buying a vehicle at XXXX XXXX. I returned the car, because it was over priced and the XXXX told them to delete it, it was overpriced and I could not afford it. I have the case in the XXXX Court and the credit report under Chase says, " I made a payment and I never made a payment. '' They made it it a charge off. I 've been disputing with all the credit bureaus and they refused to take this car off my credit report. I deleted the car, cancelled the contracts and the loan I had my money on was XXXX. After XXXX seen the situation they deleted the loan and told me XXXX XXXX tried to get them to hono do the second loan. They told them no, because it was not legal. I received letters from the lawyer at XXXX XXXX threating me to do arbitration and said, " I would be the only XXXX receiving this court order. '' I cancelled the car at motor vehicle, cancelled the XXXX contracts and went the XXXX. 
They lied to the XXXX and said, " They knew the car was overpriced and they negotiated with me, which was a lie. This happened at XXXX XXXX at night and they rushed me to sign the contracts and told me they were going to make the the changes on Tuesday. This has been a nightmare how can you lie and say I put a payment on a car and turn it into a charge off. I took the situation to XXXX XXXX lawyers and they told me it was illegal. How can a past due XXXX be on my credit report if I do n't have the car and I never paid XXXX cent and I cancelled the contracts like the lawyers told me too. The credit bureau 's will not delete this car and I do not have it or want it. It is a 2015 for XXXX. I went to other XXXX dealers and I have proof the car is way over price even it writing. Chase Auto Finance # XXXX on my XXXX report and all other reports charge off is a lie. XXXX is where I had my initial loan which was XXXX percent and my money down. 
When they found out they took advantage of me and made the high price you can look at my credit report and see they deleted the loan. Chase wanted to be greedy and raised the interest rate and finance charge and took the chance to say " I I made a XXXX payment received which is a lie. I never gave Chase XXXX cent please help me it 's been a year and I feel like your my only help. XXXX you and me and I work for the government and this is on my credit report and I have a XXXX at work. Please help me I need your assistance. 
You can contact the XXXX if you do n't believe me. 
Ask Chase to give you proof of my payment, because its not true. I only had XXXX contract when I signed my house loan and XXXX offered to help me after this fraud is deleted. Please help XXXX XXXX XXXX XXXX or work at XXXX. I am only a XXXX and I can not afford the car the XXXX told Chase. XXXX XXXX. Senior citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I submitted a dispute letter to Experian dated XXXX/XXXX/15. I then received a reply from them dated XXXX/XXXX/15 stating that they think my letter is " suspicious '' and is coming from a XXXX party. I am disputing this account on my own, and even signed the letter and sent it certified mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-10-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian credit reporting. I disputed all the items on credit report. I got all the items disputed and investigated. They were deleted off of my credit report. But Experian placed the items back on my credit report. I was not notified of the reinsertion of the items. And the inquiries I did not authorize. I never heard of them.

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 2022-08-25
Company: EQUIFAX, INC.
State: AZ
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:
First off this is a CARES ACT violation -- I will be filing complaints with US GOVT who administers that -- ( treasury department ). I started with XXXX in XXXX. XXXX years of payments later- they CLAIM I still owed XXXX. XXXX what I started with. 

THEN -- -when they told me the loan payments were paid -- -all payments made- in XXXX XXXX XX/XX/XXXX they reported me late. First off- they gave me a concession -- forbearance-. it was current- therefore its illegal for them to report it late. 

They are in violation of the CARES act and I want these late payments removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a Chase Sapphire rewards credit card that I closed last XXXX, and this month I received a refund on a travel purchase from a tour provider. I assumed Chase would automatically send me a check for the refund since I had already closed my account, and when I called Chase, they said that they would only send me a check if I called. If I had n't called, they simply would 've kept the money. That is downright dishonest. Credit card companies should be required to automatically send you a physical check for any credit at the time of account closure or for any credits received after the account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I signed up with Experian Credit reporting, paid the fee and I received a credit XXXX score of XXXX when I applied for a loan the same company gave me XXXX score of XXXX, which caused me not to get the loan. The XXXX would have allowed me to get the loan. I am going to have to pay again to get the mortgage score again when I close the loan. I am being defrauded by Experian Credit Reporting company by paying for the scores which are different If i did work for some one and charged two times for same job, the I could be charge with fraud. Am I right or wrong.

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 2016-01-02
Company: M. G. Credit, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have on my credit report a collection item for {$200.00}. It shows MG Credit. I am requesting to be provided with a notice with my right to dispute the debt or request validation. I do not know what this item is for. this is in violation of the FCRA. I was never contacted in any way and I want a complete validation to be sent to me showing that I owe this amount and what the amount is for. A breakdown of how the charges came to be {$200.00} and that I agreed to pay this amount. While this account is in dispute it must be removed and proper notification be given and complete validation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-04
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card
Issue: Transaction issue

Complaint:
I needed an XXXX for spraying soybeans. The custom sprayer person could only do it on the morning of XXXX XXXX, 2015. I told the merchant very clearly it must be at my residence by XXXX XXXX, 2015. The merchant promised me over the phone that the latest it would be there is the afternoon of XXXX XXXX. When the merchant did not deliver on his promise and get it there by XXXX XXXX, I had to drive XXXX miles and buy the spray elsewhere. Then when the now worthless chemical arrived at my door I sent it back to the merchant and said you did not send it it time you promised and it now has no value to me. So, now the merchant has the chemical and still does to this day. My credit card company, Amazon rewards visa by chase refuses to credit my account even though the vendor broke the contract on delivery date and still has the chemical. So, I am currently out {$870.00} and the vendor has my {$870.00} and the chemical. Please please do not let more consumers be taken by the lack of responsible behavior by vendors and credit card companies. The name of the company is XXXX XXXX XXXX and the name of the vendor is Amazon rewards by Chase. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EXPERIAN COMPLAINT : Complaint regarding dispute sent to Experian regarding inaccurate status reporting on XXXX XXXX XXXX XXXX real estate account. 

1 ) Failure to review documented evidence to support the dispute claim which proved the account was never late during the disputed time period. 
2 ) Failure to respond to second dispute letter. 
3 ) Failure to record that the account was in dispute on the credit report within 30 days. 

Two Dispute letters were sent certified return receipt received XXXX XXXX, XXXX and XXXX XXXX, XXXX. 
The following documentation was provided with the dispute indicating XXXX incorrect 30 day late payment status marks on my credit report : Copies of the XXXX Canceled Checks ( see the schedule of due date and canceled checks below ) Copy of driver 's license for identity purposes. 

Experian reported 30 days late from XXXX XXXX Payment Due Date Date Check Posted Check # Amount Due Check Amount Paid XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$670.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$660.00} {$660.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} Total : XXXX {$9600.00} {$9700.00} Response : The response I received from the first dispute letter Experian was that the status was " verified '' by the creditor and would remain on my credit report. A response was never received to date from the second dispute letter received XXXX XXXX, XXXX. Experian never posted a statement on my credit report as in dispute as they are required to do within 30 days therefore violating FCRA 623 ( a ) ( c ). 

Impact : Inability to FHA streamline refinance for 13 months- cost in excess interest paid ( {$9100.00} ) Denial of Credit due to inaccurate delinquency reported. 

Resolution Requested : Experian reported 30 days late from XXXX XXXX changed to a status of OK. 

Support Documentation Uploaded : XXXX Canceled Checks as listed above Dispute letters sent certified return receipt Time stamped copies of Experian Credit Report Experian Response to Letter # 1.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I contacted them about removing XXXX collection account from my credit report that reached the 7 year mark and need to be removed from my credit report. Instead of getting removed, the status got changed along with the amount of time it is staying on my credit report to 2020. 
The credit agency doing this is Experian. I have the XXXX item being investigated that is connected with this account, hopefully they will do the right thing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XXXX XXXX, 2016 I submitted a dispute to verify the accuracy of the public records listed on my credit report. Per the FCRA 609 a ( 2 ), FCRA 611 - 15 U.S.C 1681i and FCRA 603. Experian failed to comply with the FCRA requirements listed above. They only sent letter saying they verified the public record and never sent proof of the verification and the procedure of the verification process and never provided the name, address and phone number of the furnisher of the verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX credit cards on my credit. That are n't mine. I had XXXX XXXX visa card and that one was paid off and closed by me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I requested Experian to conduct an investigation on a XXXX XXXX XXXX account that appears in my credit file. I disputed the account as not mine. It is my belief that Experian did not conduct its investigation as required under 1681s-2 ( b ) of the FCRA. 
See : XXXX I am demanding that Experian provides to me the method and/or account-level documentation submitted by the furnisher of the alleged account used to verify it as 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 explanation
Consumer complaint received 2016-10-09
Company: URS Holding, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are calling people in my extended family whom i have no contact with. I dont know who they are or what they want. If they want to contact me they need to do so by mail.

Company response to consumer: Closed
Consumer complaint received 2016-11-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Dear Sir or Madam : I am a veteran, recently I relocated to the state of XXXX. The following inquiries appear on my credit report. The inquiries were made without my authorization. Please delete or remove the inquiries promptly within 7 days. I am a victim of someone inquiring without my permission.

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 2016-09-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I received a coupon offering {$200.00} if I opened a checking account at Fifth Third bank. During the account opening, the banker informed me about services available like a complimentary savings and credit monitoring. I did not inquire about the savings because I did not have a need, but inquired about the credit monitoring. She then explained there was a fee and I informed her I was not interested. At the end of the process she provided me with a paper to sign acknowledging I was opening a savings account. I asked if this was required and informed her I did not want a savings as I did not have a need. She stated I did not need to open the savings and I told her I did not want one. A couple days later I called customer service as I was not able to log in online. After getting help from the representative I was able to log in. To my amazement it showed a closed savings account. I asked the representative if the account was ever opened and she kept stating it had been closed. The second or third time I informed the representative I knew it was now closed, and asked had it been opened in the past. She informed me it had been opened the same day I opened my checking and then closed the next day. This makes me very upset for several reasons : a financial institution account was opened without my permission, when I asked the banker I was lied to and told it would not be opened and it was, and when I asked the customer service representative days later ... it took me multiple attempts to get an honest answer that the account was indeed opened and then closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX has send for collection the amount of {$78.00} under my name. this account in question has been reported six time on all credit bureaus from XXXX to XXXX, XXXX under XXXX XXXX XXXX ( collection agency ). 
After I learned about it, I called XXXX XXXX XXXX ( about a month ago ) and they agreed to correct this issue as it was wrongly reported and set in collection by them? ( the account was paid in full and on time every time ) this morning XXXX/XXXX/2016 I had to call again because as I mention this still being reported and affecting my score. 
Now they tell me that it would take another 30 days before anything will be done? Why and what is it about XXXX XXXX XXXX that they can just followed through on matters like this one? 
I would like to have this information cleared from my report ASAP please.

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 2015-06-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
landlord maliciously file for eviction all the time and tenants do n't know theirrights so these bad reports ruing you for a long time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I wrote to Experian in regards to an entry listed on my credit report which I previously disputed and requested to have removed. After disputing the public record, I was told that the public record was accurate and verified and it is still listed on my credit report. I wrote to Experian and asked them how did they verify the bankruptcy public record on my credit report to make sure that it is accurate if the XXXX of Pennsylvania Bankruptcy Court stated that they do not report or verify to credit reporting agencies with any information relating to any bankruptcy cases. If that is the case, then where did they get the information from? If they did not get the information from the BANKRUPTCY COURT, then the information on my report is inaccurate, false and should be removed from my report. I enclosed a copy of the letter I received back from the XXXX of Pennsylvania Bankruptcy Court supporting my position. I asked Experian to remove the bankruptcy public record from my credit report file immediately because the public record could NOT have been verified since there is no way to verify it. They sent me the attached letter stating that they would not investigate my dispute any more unless I sent them proper documentation. I sent them the proper documentation from the BANKRUPTCY COURT!!!!!! That is all the documentation that I need!!!!!! Experian has inaccurate and incorrect information on my credit report that I want REMOVED IMMEDIATELY under the FCRA is information can not be verified or is inaccurate, it MUST be deleted from said credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX-XX/XX/2016 several fraudulent charges were made neither by my husband nor me, using my husband 's chase debit card totaling {$4200.00},. 

On XX/XX/XXXX and XX/XX/XXXX telephone transfers were made, neither by my husband nor me, moving money from savings to checking account to conceal the purchases. 

Chase continues to deny my claims stating that these charges were correct, even though I showed that we were not in the locations where the charges were made, that the signature used to make the largest purchases is not that of my husband. 

Chase refuses to disclose the following information : telephone recordings of the telephone transfers, whether the transactions were chip or swipe, whether PIN was used and whether it was set for this debit card. 
In their investigation Chase did not request CCV recordings from XXXX, where the largest transaction was made. 
This appears to be the case of identity theft. Chase, despite having resources to pursue the thieves, chose not to do so, and decided to simply deny my claims. 
I feel that Chase 's investigation was grossly inadequate. I have retained a lawyer, however, after my sworn affidavit and appeal were ignored by Chase, he informed me that further pursuit would be cost prohibitive. Chase is withholding information from me, which prevents me from getting justice.

Company response to consumer: Closed with explanation