BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
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:
My account was reported 90 days late with Nissan Acceptance Co starting XX/XX/2018. I knew my account was coming up to be paid off so when the payments stopped being automatically deducted from my account I thought nothing of it since I was set up with the creditor for automatic draft. I received a notice in the mail about 2 months later that the account was delinquent. I immediately called and paid the remaining balance and asked how that was possible. They said apparently my payment didn't amortize over the life of the loan. I've never heard of that happening. During the financing it doesn't make sense why they wouldn't have covered the whole loan. I told the representative that I did not feel that this should be held against me and I was told it would not be reflected. I had my credit checked not long after the incident and sure enough there it was. I filed a dispute and was told it was resolved yet it is still on there. I have worked in the mortgage business for over 20 years and know how important credit is and how embarrassing it is let alone the affects it can have obtaining good rates. This has had a negative effect and would like it rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The balloon payment condition in the modification was under duress. I had no option at the time but to accept it. The balance went from XXXX to XXXX and took away any realistic chance I had of ever actually owning the home. JP Morgan Chase also had the option to just reduce the principal to get me into an affordable payment and that was not their choice. Therefore, they took advantage of my vulnerability at the time to increase their profits!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2017 XXXX - I called and talked to the Collection Agency - Hunter-Warfield in XXXX, Florida. This is a wrong amount that they are trying to collect and has put on our Credit Reports for Me ; My Son and Daughter were on the lease for XXXX XXXX in XXXX, Florida. The Management Company they  are under is called XXXX XXXX. 

When we moved out ; we had a bed bug infestation in the carpet and flea infestation. They did not listen to any of the complaints of the infestation ; and instead charged us extra for a carpet stain ; which the carpet already had small stains when we moved in. 

Our next door neighbor moved out and they pulled up the carpet in her apartment and I believe the bed bugs and flees in her apartment came through the walls to our apartment. 
These apartment buildings take no claim when they do wrong but like to pass on to the tenant for the problems the whole complex was dealing with. 

I will pay {$400.00} but will not pay for carpet that was infested while we were there!!! 

I want this collection removed from my Daughter 's, Son 's and My credit bureau file as this is causing problems of trying to get another home ; or buying a home!!! 

They are still adding interest charges to a collection ; I believe they are not supposed to do that if it is in Collections making the collection larger and larger.!!! 

THIS IS NOT RIGHT TO DO TO THE CONSUMER!!! 

PLEASE CHECK INTO THIS FOR ME PLEASE!!! 

HUNTER AND WARFIELD - XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX fax - XXXX telephone no. XXXX or XXXX!!! 

Thank you for all your aid in this unscrupulous endeavor and behavior on behalf of the Apartment communities out here in the Country. Unethical Collection Practices on their tenants on move-out!!!

Financial Ruin of tenants to get other places to stay by putting on credit reports as open Collections!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 and Transunion are reporting incorrectly that I am 120 days past due on the XXXX - partial account numbers : XXXX ; XXXX and XXXX. ( Please see page 5 of the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. 

XXXX and XXXX are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX ( Please see page 10 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.

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 2021-05-06
Company: Scheer, Green & Burke L.P.A.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello I have been trying to contact this company in regards to a debt that is on my credit. It is a medical bill that was never submitted to my insurance and I have sent a request letter to obtain the information to send a claim myself. The company has not responded to my letter will not answer my calls or return them. They also refuse to send the bill to my insurance to be paid. I have left messages and voicemails with no answer and have also been hung up on repeatedly by this creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2020-04-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was a victim of fraud and I am requesting a security freeze on my credit file. The following address are not accurate please delete : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, WV XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX , XXXX, WV XXXX Please delete the following cellphone numbers ( XXXX ) XXXX ( XXXX ) XXXX they are number mine.

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 2021-10-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
A citizens one account that I never opened or have access to appeared in my credit report for an amount owed of {$5800.00}. I've contacted the citizens one company and provided them with my social and they keep saying there isn't an account opened with that social, yet that account and amount appears in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a debt collection from Convergent on a time barred debt that has been written off by the original creditor.

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 2020-04-28
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: Information belongs to someone else

Complaint:
I was a victim of fraud and I am requesting a security freeze on my credit file. The following address are not accurate please delete : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, WV XXXX XXXX XXXX XXXX, XXXX, NY XXXXXXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX , XXXX, WV XXXX Please delete the following cellphone numbers ( XXXX ) XXXX ( XXXX ) XXXX they are number mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Conn's, 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: Information belongs to someone else

Complaint:
On the XX/XX/XXXX a fraudulent account was open at Conns XXXX in XXXX Texas using my stolen identity. 
On the XXXX of XX/XX/XXXX, I reported this fraud to Conns Fraud department. I was contacted by Conns Fraud, who assured me that the fraud account would be closed and removed from the Credit reporting Agencies. 

On the XX/XX/XXXX I once notified Conns XXXX  and again requested this delinquent account be removed. 

I also wrote a letter to XXXX XXXX supplying both an affidavit, email correspondence from Conns XXXX to substantiate my claim. 

XXXX has not investigated my dispute. Conn XXXX has not notified XXXX  of the fraud. XXXX  sent me a " fraud kit ''. I did not request a Fraud kit, I disputed the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately.

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 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately.

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 2021-10-19
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed XX/XX/XXXX of 2021 in an attempt to purchase an item online. I was told to use Zelle with my bank account to the tune of {$1700.00}. Once i sent the money the individual told me that he was unable to send the item that day. the next day he told me that i owed additional money to which i requested my money back. He declined and i reported it to my bank and they declined to refund me since Zelle is for transactions between people you know. I contacted Zelle who denied they had any information to give and told me i would need a search warrant for any further information. I reported it to the police and they opened up an investigation and i have not heard back after i requested a search warrant for the information needed to file in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
suntrust closed my account more than 7 months ago and my money has not been returned.

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 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I noticed that TransUnion is reporting two inaccurate negative items in my account on XXXX  XXXX XXXX, one inaccurate negative on XXXX, and one inaccurate negative on XXXX  XXXX. The four negative accounts are showing that I have a chargeoff account that has a balance on it. This is completely inaccurate. I already contacted the Credit Bureau and the Creditor regarding it but they did not give a response on this particular matter. I need your help on this matter

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 2018-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I recently information from a internet monitoring service fraudulent accounts was open, misspelling on my name and wrong 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 2018-06-13
Company: Capital Accounts, LLC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted XXXX XXXX XXXX over 30 days ago requesting validation for the alleged debt that they say I owe them. I have not received any proper validation as I requested. I also do not have any contract or have done any business with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have never signed a contract with XXXX XXXX XXXX They have failed to provided any debt validation on 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 2021-10-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I SAW NOT MY ACCOUNT WHICH YOU POSTED ON MY CREDIT, I DON'T KNOW WHERE DID YOU GET THIS ACCOUNT FROM. I HAVE NEVER DEAL WITH THIS COMPANY. MY WALLET WAS STOLEN, SO I THINK SOMEONE USED MU INFORMATION AND APPLIED FOR IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I SAW NOT MY ACCOUNT WHICH YOU POSTED ON MY CREDIT, I DON'T KNOW WHERE DID YOU GET THIS ACCOUNT FROM. I HAVE NEVER DEAL WITH THIS COMPANY. MY WALLET WAS STOLEN, SO I THINK SOMEONE USED MU INFORMATION AND APPLIED FOR IT.

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 2020-04-28
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: Information belongs to someone else

Complaint:
I was a victim of fraud and I am requesting a security freeze on my credit file. The following address are not accurate please delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX CT, XXXX, NY XXXX XXXX XXXX  XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX Please delete the following cellphone numbers ( XXXX ) XXXX ( XXXX ) XXXX they are number mine.

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