BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
Company: JPMORGAN CHASE & CO.
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: Problem with personal statement of dispute

Complaint:
In my JPM Chase branch I reported fraudulent activity on my Slate card ending in XXXX. They contacted Chase Fraud and closed the card. I then opened a new card. I paid the final bill in XXXX, XXXX. Apparently, despite the fact that the account was closed, JPMC continued to accept charges through XXXX. The card was closed and I had no visibility to it. In XX/XX/XXXX I was notified by the credit bureaus that my JPMC account was delinquent and that my credit rating was lowered as a result. JPMC did not contact me in any way to notify me that a payment was delinquent. On XX/XX/XXXX I went back to the branch ( see handwritten notes on the detail PDF ). The Private Banker verified that the account had been closed in XXXX and called JPMC Credit Card Services. They said they don't handle this and said to contact JPMC Security who said they don't handle this and said to contact Customer Claims and Disputes. They said Credit Card Services needed to handle it. Credit Card Services said that Security needed to handle it. The banker and I were both totally frustrated. I paid the remaining balance {$100.00} ) prior to leaving the branch. I wrote to XXXX ( attached ) but the issue remains unresolved to my satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dismissed bankruptcy in XXXX that included an account with NMAC for a XXXX XXXX XXXX. Contacted NISSAN to try to negotiate to keep the vehicle around the time of the dismissal but wasn't successful and agreed to surrender the vehicle to my local Nissan dealership. Was told they would contact me once they had possession of the vehicle. After a few weeks, didn't hear from them, reached back out and was told they didn't know the vehicle had been surrendered and once they have possession, they would reach out with balances, redemption amount, etc. As of XX/XX/XXXX - nothing and I assume the vehicle has been sold now as I have an entry on my credit report for {$15000.00} owed to NMAC. This is really hurting my ability to obtain anything. According to Alabama Law, I was to receive an opportunity to redeem the vehicle and/or a post-surrender notice, none of which I have received. I have contacted NMAC via a demand letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am writing to express my deep dissatisfaction with the outcome of my second attempt to address fraudulent items on my credit report. Despite my initial dispute and the submission of supporting documentation, the fraudulent entries persist, posing a severe threat to my financial well-being. 

I previously reported these fraudulent items and submitted comprehensive evidence outlining the fraudulent nature of the entries. Unfortunately, upon reviewing my updated credit report, I discovered that the fraudulent items remain, causing substantial harm to my creditworthiness and financial stability. 

I have attached copies of my initial dispute letter, the supporting documentation submitted, and the most recent credit report highlighting the unresolved issues. 

Given the urgency of this matter, I implore you to conduct an immediate and thorough investigation, carefully review the provided evidence, and expedite the removal of the fraudulent items from my credit report. The continued presence of these inaccuracies is causing significant distress and hindering my ability to access credit and financial opportunities. 

If additional information is required to facilitate a prompt resolution. I expect a rapid and equitable resolution to this issue, in accordance with the Fair Credit Reporting Act. I am asking for your assistance to remove these fraudulent items in my credit file : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I called capital one at XXXX XX/XX/XXXX today because my credit card account was closed. I was not warned in advance that it would be closed. I was told a letter was in the mail yesterday to alert me. The supervisor I spoke with on the phone stated that it was closed due to an error on the companys account when I was offered the credit card. I was told my account would not be reopened and a letter would be issued to the credit bureau within 90 days. I am in the process of purchasing a house and my credit score as of todays date had already dropped by XXXX XXXX. This can not be legal or acceptable and my issue is not resolved. The account was paid regularly with little to no balance each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

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 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 2021-04-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Account information incorrect

Complaint:
I had a lease with XXXX that was completed over a year ago. Infiniti Financial Services keeps reporting a balance on my credit report even though this lease was completed over a year ago. This is affecting my credit score and they are in violation for the inaccuracies they are reporting on my credit report. My attorney has advised me to make a final attempt to have them correct this before moving towards litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: IN
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-07-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023, I received a statement that I'm in a negative balance XXXX that has occurred with out my knowledge. Multiple forced insurance policies have been placed without my knowledge. The contract states that I was to pay them for insurance, but instead they sent the check back and stated that it would be covered without any further acknowledgement. I had XXXX in XX/XX/2023 which had me sick for weeks and for reasons unknown did not receive any mail stating I was even behind, now months later this preditory loan company is charging for unforseen charges on every level, attorney and things like home inspection that don't even happen. I'm being charged for everything under the sun that they can come up with. As of XX/XX/2023 charges have occurred for attorney fees and whatever they can change me for. They're trying to take my home, for a contract that was transferred from another company and changing the terms of agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to set up a MyEQUIFAX account online to unfreeze my credit with EQUIFAX. I did this successfully for my husband. However, I was unable to receive the texts to verify due to a problem with my phone. The website then asked several very vague questions about my credit that did not seem applicable to me. The EQUIFAX website said I had to call them. 

I called and spoke with a representative and after giving my social, address, phone number, and date of birth, they asked more vague questions that I apparently answered incorrectly. 

I need my freeze lifted tomorrow!!! I even talked to a supervisor that told me I would have to fax two forms of id. I had to drive 20 minutes and pay to fax it. After waiting a couple of hours, I called again and was THEN told that it would take 5 to 7 days and then they would mail me. This is totally unacceptable! EQUIFAX is holding my credit information hostage and I don't have any other recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, 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:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
As of XX/XX/2023, I have sent letters asking the reporting agencies to remove incorrect addresses as well as my name that is reporting incorrectly. In the letter, I asked that this information be corrected and that I received a letter stating it has been corrected. When I went to pull my credit reports, this information has not been corrected nor have I received a letter stating they have done so.

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 2019-11-15
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
hello I have been telling XXXX university to return that student loan back but they are not listening to me at all how can you fixed this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: MA
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 keep on escalating this issue to all credit bureaus, concerning these closed accounts that were tagged as negative and late payment, and I havent received any updates nor seen any changes from my credit report until now. These accounts were supposedly deleted. I have filed an Identity theft before and have sent them copy of it but I received NO resolution from their side.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Unable to get my credit report from this company XXXX  XXXX Unable to log in getting error message

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 2023-07-28
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I am writing to request the deletion and removal of the following accounts and associated information from my consumer report. The listed accounts and information should not be reported, as their inclusion violates the FDCPA and FCRA. I urgently demand their immediate removal from my consumer report to rectify these violations and comply with the relevant laws. Please take prompt action to remove these accounts and information without delay. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, My husband and I filled out Loan Modification paperwork with Bayview Loan Servicing. Since then every month I have been asked to provide additional information. While some things made sense others such as explaining my pay stub seemed more like a delaying tactic. Since then I have been asked to resubmit the application several times, the most recent ones were XXXX of XXXX and then again on XX/XX/XXXX. They have also requested numerous appraisals and valuations at my expense. 

I have been assigned no less then 4 Asset Managers, some rotating before I even had a chance to make contact. Since I live on the west coast and the Asset Managers are in Florida, communication is very difficult. They can not call me before I start work and are gone by the time I get off. I have tried calling on my lunch break but the Asset Managers are never available. In addition, when the do call they are not able to leave detailed messages, just that they called and call them back. However, when you try you are put into a voice mail and your call is rarely returned. They also are not able to reply with details to email requests. It used to be that I could call customer service to schedule a phone appointment and they would sometimes call as scheduled. They now have an automated system and my most recent Asset Manager and his Supervisor do not have any appointments available every time I have tried. I have spent an hour on the phone each day for 6 business days trying to get in touch with someone who can give me information. I finally scheduled a phone appointment on XXXX to review the documents I sent on XXXX. He verified he had all the documents and schedule a follow up appointment XX/XX/XXXX which he missed. He called me XX/XX/XXXX and asked for information that was provided on XXXX. Once again I am told he will get back to me in 3-5 business days. He is stalling and using up valuable time. 

I have now been served with a Notice of Default and I do not have the time to keep playing this game. I want to keep my house but feel like Bayview Loan Servicing is not only not helping me do this but are actively putting up road blocks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

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 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 2021-07-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX, our vehicle was deferred for 2 months due to the covid pandemic and catching up on bills. We never received any 1. Paper bills. 2. Actual, live person calls ( they only used to send automated ), 3. Any email correspondence. Which is where my husband gets his bills. Nothing. They sent it to collections when a month wasnt paid. But when he logged into his account with the loan, it even showed his account in the " green '' meaning, he was all caught up, due to the deferral. No one tried to contact him or me. Apparently, due to his pay, he'd originally set up weekly payments to equal the total each month. ( He gets paid weekly ), EVEN THOUGH, once they sent this to collections, they finally tell us " oh we don't do weekly payments. Because the amount they set him up for, he was a bit short for the month. '' But it was THEIR REPRESENTATIVE who came up with the amount, approved it, and his loan was in covid-19 deferral. They also had incorrect phone numbers in their system ; and our old address from 6 months prior. Though, my husband had called to update. XXXX  supervisor XXXX, said they'd take care of it, and if we dispute it. It should come off. It didnt. They STILL refused to drop it though our account is paid up, and it was in deferral, no bills or late notices were sent to any contacts, and our contact info was 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 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received a copy of my credit report and noticed that XXXX and TransUnion are both showing a duplicate account with XXXX XXXX account number is different on the report but it's the same account reporting twice. Both are showing opened the same month/year, the same amount for high balance and that they were both sold to XXXX. The account number XXXX the other one they are listing with the exact same information is wrong. It has been disputed several times and it still reports!

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