BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-25
Company: Nelnet, Inc.
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
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 a loan with DEPT OF EDUCATION/NELNET . I have always made my payments on time. For some reason, I realized that there were 90 days late ( XX/XX/2018 ) payments on my credit report. I tried contacting the XXXX and XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. 
DEPT OF EDUCATION/NELN-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX-Original amount : {$2200.00} DEPT OF EDUCATION/NELN-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX-Original amount : {$3000.00} DEPT OF EDUCATION/NELN-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX-Original amount : {$2700.00} DEPT OF ED/NELNET-Balance $ XXXX-Date Opened : XX/XX/XXXX-Original amount : {$2700.00} DEPT OF ED/NELNET-Balance $ XXXX Opened : XX/XX/XXXX-Original amount : {$3000.00} DEPT OF ED/NELNET-Balance $ XXXX-Date Opened : XX/XX/XXXX-Original amount : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My rights of privacy have been breached and trespassed by this bureau which is a direct violation of federal law. This bureau is also in violation of federal law by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.

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 2023-01-04
Company: Experian Information Solutions Inc.
State: NC
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 value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a many items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-04
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX 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 XXXXXX/XX/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 2023-09-04
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Inaccurate and incomplete Information on Credit Report : Account Details : 1. 
Account XXXX XXXX XXXX Account number : XXXX XXXX. 
Acount XXXX XXXX XXXX Account XXXX : XXXX Dear Sir/Madam, I am writing to formally dispute the accuracy and completeness of the information that XXXX has reported on my credit file. I have recently reviewed my credit report, and l have found that there are several accounts, specifically the XXXX XXXX XXXX and XXXX XXXX XXXX which are currently in charge off status, that contain erroneous and incomplete information. lam exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request an immediate investigation and correction of these inaccuracies.Firstly, Account XXXX XXXX XXXX  Account number : XXXX and Acount XXXX XXXX XXXX  Account XXXX : XXXX, | assert that the information reported is inaccurate. I have not had any association with either of the accounts listed above. 

There seems to be a case of mistaken identity as I have never applied for, used, or held these accounts. I kindly request that you rectify this error by removing this account from my credit report. 

As per my rights under the FORA, I am entitled to an investigation of these disputed items.| request that you conduct a thorough investigation into each account mentioned above and provide me with a detailed explanation of the results within 30 clays. 
I would like to bring to your attention a relevant legal case where XXXX an was sued tor violating consumers rights under the FCRA. The case of Smith v. XXXX ( XXXX XXXX. 
XXXX ) is particularly pertinent to my situation. In this case, XXXX was found to have Inaccurately reported a consumer 's credit information, resulting in severe financial consequences for the individual. I believe my case shares similarities with this precedent, and l expect a fair and thorough investigation of my dispute. 
Enclosed are relevant documents and proof to support my dispute. lam willing to cooperate further and provide any additional information you may require.

Furthermore, I will be copying this letter and all relevant documentation to the Consumer Financial Protection Bureau ( CFP8 ) and my state 's Altorney General Office. It is my intention to bring attention to this matter and ensure that my consumer rights are protected and upheld.

Please promptly investigate and address this dispute to avold any further consequences. I expect a timely response to this matter. You may reach me at ( XXXX ) or ( XXXX ) for any clarifications or updates. 
Thank you for your attention to this matter. I look forward to resolving this dispute promptly. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: VA
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:
In accordance with the fair Credit Reporting Act this credit has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy 15 USC 1681 section 604 A section 2 it also states, a consumer reporting agency can not furnish and account without my written instructions under 15 USCs 166B, A creditor may not treat a payment or a credit card account under an open or consumer credit plan as a bla for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I wanted to payoff the loan with SLS Loan servicing LLC. Received payoff quote letter dated XX/XX/XXXX, total payoff amount with interest calculated to XX/XX/XXXX is XXXX. My escrow company wired total payment of XXXX to SLS Loan LLC on XX/XX/XXXX with interest calculated to XX/XX/XXXX. SLS Loan somehow changed the loan payoff quote to XXXX last minute on XX/XX/XXXX with additional escrow impound balance of XXXX due to missing insurance policy info ( a policy was purchased on my behalf by SLS as my own insurance policy provided to SLS was miscoded as master policy ). I received a letter stating the shortage of XXXX ( XXXX plus interest calculated to XX/XX/XXXX instead of XX/XX/XXXX ) in order to pay off the loan on XX/XX/XXXX. 
despite of numerous phone calls to customer service stating the escrow impound balance of XXXX had been reversed and brought down to XXXX, thus the shortage of XXXX should be non-existent. SLS insisted that I temporarily covered the shortage of XXXX so the loan can be closed and then everything will be reconciled so the XXXX wrong shortage plus over charged interest will be refunded to me shortly after the loan is closed. And that's the ONLY way loan gets paid off. I sent the wire payment of XXXX on XX/XX/XXXX and SLS received on the same day. Loan was paid off as of XX/XX/XXXX. 
I received a final refund check in the amount of only XXXX on XX/XX/XXXX with no statement showing how XXXX came up with the refund amount. I tried to call customer service a few times on XX/XX/XXXX and XX/XX/XXXX, agents could not answer my question and said to have someone at higher level call me back right away. I received no call backs at all. 
the refund amount should be the full XXXX. SLS made the payoff process extremely difficult and frustrating with no response, no timely help, no capable agents over the phone. insurance policy was miscoded by SLS which resulted in the shortage, yet I, the consumer had to suffer. overall, the most horrible experience I had with any mortgage company by far. 
Also, I was charged {$25.00} fee when my escrow company first requested payoff quote. we never received the quote in the mail, thus I had to call to request a FAX. I got charged {$25.00} again. I have no clue how total {$75.00} fee was charged by SLS while their initial payoff letter on XX/XX/XXXX was even inaccurate. Escrow company followed thru based the initial payoff quote from SLS, then the borrower had to make up the difference and waste more time for this rather easy process.

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 2023-09-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I found an item on my credit file from FAMILY SUPPORT XXXX XXXX XXXX  # XXXX feel it is best to release/delete reporting this disputed information at once I will have no choice but to commence the unpleasantness of a Sections XXXX ( Notice of Error ) under Regulation X ( CFPB regulation ) that confirms my private right of action directly against your firm for FAILING to respond and CONTINUING to report disputed information after direct notice of said dispute was provided. You have 5 days to comply and provide a written notice of the suspension of this item pending the resolution of the investigation action or face litigation. Here now and forever annul all account records of derogatory, adversary, or elsewise deficient proof of full reporting compliance ( be it FCPB, FCRA, FDCPA, Metro 2 Compliance, or else whether mentioned or not ) claims or aspects of claims associated. There is missing information and details that are requirements for any data furnisher and they have not been met to the standard and this is causing me a financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
XX/XX/XXXX went to XXXX  XXXX XXXX to refinance the residual lease end on my XXXX  XXXX  with a maturity date of XX/XX/XXXX. 
Buyout amount of XXXX. As of yet the the lease end shows unpaid, deliquent, and going into default due to delay in paying off lease. Multiple calls made to Finance manager, customer service, lease end department with no resolution.

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 2020-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 already submitted a CFPB complaint to Transunion in which they responded to me through the CFPB and said they will reach back out to me in writing in 30 days. Its been over 30 days and I still have not received any response. This is against the law to have to go through this. Itll be 120 days since ive sent out my first letter to them with no response, which is the reason why I submitted a CFPB complaint in the first place. I will now seek legal action to help me get through this problem I am having.

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 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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.

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 2020-12-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have contacted All three credit bureaus regarding miss information on my credit report someone has tampered into my credit report and change my information including my name my last name date of birth address is in Social Security numbers. Having a copy of my credit report from four years ago and none of this information was on my credit report this is been recently done and I believe I know who is involved. I have put a freeze on my credit report and it seems to be unlocked several times and I have locked it again. Someone is repeatedly putting several addresses changing the names the numbers on my credit report and Ive asked a credit with bureau by certified mail to change my information to the correct information including my name date of birth social security number and phone numbers including my address. This is fraud and unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: Caneel Capital, LLC
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Recently received a letter from my mortgage company XXXX, saying that Trinity Financial Services LLC is attempting to authorize themselves on our mortgage account. I didnt know what this company was and started looking into it. I found that they filed a foreclosure against us as too. I never heard of this company before and never applied or gotten any loans from them. I havent received any communications before them filling the case either or even the service of lawsuit. I filed a police report and sent Trinity Financial cease and desist letter from attempting to access my information that they are not entitled to. Today I received another letter from XXXX  that another request for third party authorization was sent to them by Trinity Financial Services again. It seems that this company has my private information and is using it for fraudulent purpose. It seems that they are ignoring all the rules and continuing to attempt to get the information. In summer of 2019 I had some charges assessed on my XXXX  mortgage account. When I called them to ask about it, they told me that it was the charge for the payoff. I have never ordered the payoff. I have requested a copy of it. The form that XXXX  sent me had a phone number listed under the requestor. When I searched that number, it came back as the number registered to Trinity Financial Services. This company seems to employ illegal methods to steal my house. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: FL
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 requted equifax to remove inaccurate reporting. Sent them copies of the request dated back XXXX with no futher updates from equifax XXXX I loked at my credit report XXXX inaccurate accounts are still showing. 

XXXX XXXX sent improper validation Financial data ( 2 ) no response to my 30 day demand request XXXX no response to my 30 day demand request

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The loan was current at the time of deferral provided by the FHA. The loan went into deferral in XXXX. PennyMac has reported the loan to be 120 days past due in XX/XX/2020. My mortgage servicer is required to report my account as current during the forbearance period to the Credit Reporting Agencies per guidance from FHA and HUD. I am requesting PennyMac to remove the past due derogatory flag from my credit report from all three agencies immediately.

Company response to consumer: Closed with non-monetary relief