BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-18
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.I have never have STUDENT LOANS accounts, REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) The STUDENT LOANS, the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
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, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2021-07-10
Company: Absolute Resolutions Corp.
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: Public record information inaccurate

Complaint:
I REQUESTED ARC ( ABSOLUTE RESOLUTIONS CORPORATION ) TO VALIDATE THE DEBT OF ACCOUNT XXXX, IDENTIFIED THE DEBT AS XXXX XXXX  DBA XXXX XXXX ACCOUNT ENDING IN XXXX. HOWEVER, ARC STILL HAS NOT SENT ME ANY DOCUMENTS VALIDATING THE DEBT. IT HAS BEEN MORE THAN 30 DAYS. I WOULD LIKE THE DEROGATORY MARKS OF COLLECTION FROM ARC DELETED FROM ALL MY CREDIT REPORTS FOR ALL CREDIT REPORTING AGENCIES INCLUDING XXXX, XXXX, AND XXXX. I ALSO WANT ARC TO CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY. 

000000000000000000000000000000000000000000000000000000000000000000000 000000000000000000000000000000000000000000000000000000000000000000000 XX/XX/2021 ABSOLUTE RESOLUTIONS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX RE : ACCOUNT XXXX DEAR ABSOLUTE RESOLUTIONS, I AM RESPONDING TO YOUR CONTACT ABOUT COLLECTING A DEBT. YOU CONTACTED ME BY MAIL, ON XX/XX/2021 AND IDENTIFIED THE DEBT AS XXXX XXXX  DBA XXXX XXXX  ACCOUNT ENDING IN XXXX. 

IF YOU HAVE GOOD REASON TO BELIEVE THAT I AM RESPONSIBLE FOR THIS DEBT, MAIL ME THE DOCUMENTS THAT MAKE YOU BELIEVE THAT. STOP ALL OTHER COMMUNICATION WITH ME AND WITH THIS ADDRESS, AND RECORD THAT I DISPUTE HAVING ANY OBLIGATION FOR THIS DEBT. IF YOU STOP YOUR COLLECTION OF THIS DEBT, AND FORWARD OR RETURN IT TO ANOTHER COMPANY, PLEASE INDICATE TO THEM THAT IT IS DISPUTED. IF YOU REPORT IT TO A CREDIT BUREAU ( OR HAVE ALREADY DONE SO ), ALSO REPORT THAT THE DEBT IS DISPUTED. 

THANK YOU FOR YOUR COOPERATION. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 000000000000000000000000000000000000000000000000000000000000000000000 000000000000000000000000000000000000000000000000000000000000000000000 XX/XX/2021 ABSOLUTE RESOLUTIONS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX RE : ACCOUNT XXXX DEAR ABSOLUTE RESOLUTIONS, A LETTER WAS SENT TO YOUR COMPANY TO VALIDATE THE DEBT, BUT THERE HAS BEEN NO RESPONSE FOR OVER 30 DAYS. 

ENCLOSED IN THIS LETTER IS A COPY OF THE TRACKING SHOWING THE VALIDATION LETTER WAS DELIVERED AND A COPY OF THE FIRST LETTER SENT REQUESTING TO VALIDATE THE DEBT. 

THE DEBT IS UNVERIFIABLE BECAUSE YOUR COMPANY DID NOT RESPOND WITHIN 30 DAYS. 

PLEASE CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY. 

I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TD BANK US HOLDING COMPANY
State: ME
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:
During a XXXX XXXX XXXX  a fraud account was discovered reported by Target against me. The account was created fraudulently and is not my account. I have called over and over from the XXXX XXXX XXXX XXXX XXXX, but I always get a fast busy when I call. 

I have tried to call over 2 dozen times. 

I am in jeopardy of losing my XXXX XXXX XXXX XXXX  over their false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I requested to cancel my escrow account and Nationstar refuses because they say my LTV ratio is above 80 %. It is 89 % according to their calculation. This is not possible as I put down 20 % of the purchase price when I bought the home in XXXX of 2009. I am located in a very desirable neighborhood in XXXX, CO. This home has only gone up in value. I have paid my hazard insurance in full for the year, I have never missed a payment or even been late with a payment. This is a simple request that is well within my rights a responsible home owner and I have wasted way too much time trying to get this request fulfilled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have my mortgage with Nationstar after XXXX transferred or sold my note to them. 
On XXXX XXXX I called and wanted to know why I am always being charged fees here and there. Always saying Legal Fees. The person on the phone could n't answer me but said he would put in a request. Still waiting. So since then I went into my account to make a payment and I see that I am being charges FEES of over {$1200.00} and my escrow account increased from last month to this month. My analysis was done in XXXX. I have been paying towards a shortage, if anything it should be less! 
So I called to get an explanation of all the changes and charges to my account and No One could answer me. After being transferred 3 times I finally ended up at the Escrow department where a lady named XXXX understood my concern and said she would send a request to look into it! I am truly annoyed with this company and everytime I call, I am speaking with someone out of the country who can not answer my questions! Why are they gouging me with all these fees thinking that I am too stupid to notice!?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
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: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-02-18
Company: WELLS FARGO & COMPANY
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:
Wrong personal information on my credit file. I have followed all protocol to get this matter resolved. Remove the incorrect names off my credit file. I have send in documents to this bureau several times and the incorrect name is still on my credit file. This is fraudulent activity. Misspellings and wrong last name on my profile

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 2023-04-27
Company: EQUIFAX, 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:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX DEPT OF EDUCATION/XXXX  XXXX Balance : {$10000.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$9300.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$1100.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$3000.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$1900.00} XXXX XXXX Original creditor : XXXX XXXX  XXXX Balance : {$930.00} XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
We submitted a short sale request to XXXX and the short sale was approved on XXXX/XXXX/2016. The approval was good until XXXX/XXXX/2016 but we were told to close by XXXX/XXXX/2016 ( a Sunday ) or the loan would be service transferred. We submitted the recorded documents to XXXX on Monday XX/XX/XXXX2016 as is required and was told that the loan had been serviced transferred on Tuesday XXXX/XXXX/2016 AFTER XXXX had received the funds and the recording documents. The representative let us know that they had sent the short sale funds as well as all related documents to Nationstar. ( Final XXXX & XXXX XXXX Deed attached ) We contacted Nationstar and was told that we would have to wait until the loan had been " boarded '' before they could let us know the disposition. In the meantime, I had moved out of my property on XXXX XXXX, 2016 as required by the purchase contract. 
Nationstar has received the short sale funds and my realtor has been in contact with them and has sent them every document that they have requested. On XXXX XXXX, 2016 we received an approval letter from Nationstar with a request to have additional paperwork signed and notarized. ( attached ) These documents were immediately sent back to Nationstar that afternoon. 

As of yesterday my Realtor was told that the file was in the closing department and we should have word that day. 
My Realtor has been calling and emailing all day and there has been no response from Nationstar. 

The transaction closed on XX/XX/XXXX,2016 and XXXX service transferred this loan even though they were aware that we were closing. Nationstar has in its possession the short sale agreement, the recording documents and the money. This is unfair! I am living in a motel because I ca n't move forward until this transaction is finished. I need help with Nationstar, they gave their short sale approval but are making us wait for a transaction completion letter. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Hi, On XX/XX/2021, I received multiple email notifications for multiple transactions within a couple minutes using my Chase XXXX and XXXX cards through my Amazon XXXX account for a total amount of {$1000.00} in 6 transactions. I immediately reported the incident to Amazon, Chase and XXXX XXXX, blocked my cards, ordered new cards, changed passwords etc. Amazon 's response was like - " not our responsibility.. we don't care.. talk to your bank. '' XXXX and Chase, after their investigations concluded that those were frauds and credit the money back in my accounts. However, Chase rebilled me for 2 of those transactions ( {$300.00} in total ) in the next statement saying that " after their investigation they concluded that those were valid transactions. '' I have provided Chase multiple times all the proofs they asked for, including my Amazon order history, but the investigation seems to be going nowhere -- as if they've already made up their mind. Most recently, I had emailed them all the proofs they had asked for a week ago on the email provided by their rep ( XXXX ) and followed up today as I hadn't heard back from them. I was told they never received the documents and asked to send docs again and wait another 7 business days for them to investigate the case. I've resent everything but what if I hear the same response again next week? 
i am approaching my pay by date, to which the rep suggested that I at least pay the minimum due balance to avoid any late fee. So I raised my concern about not paying the balance in full hurting my credit score, to which the rep said " that's up to your discretion. '' basically what he meant was " that's your problem, we don't care. '' It seems beyond logic to me how they decided that only 2 of the transactions were valid and the rest weren't. I've had so much back-and-forth with them that it almost feels like a mental harassment. 
I kindly request CFPB to look into this. I've attached some documents to support my case and I'm happy to provide any other information needed from me. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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've mailed Debt Validation -609 Letters to Transunion, XXXX, and XXXX dated XX/XX/2022. I also sent Method of Verification Letters regarding the negative items reported in my account. No one has responded for more than 30 days. I disputed it for lack of accuracy for the negative items added to 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 non-monetary relief
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Dear Sir/Madam, I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines . The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter. 


See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. 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 2021-07-10
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I entered a consumer credit transaction with CHRYSLER CAPITAL and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are now claiming that they originated the credit I extended to them, in which I submitted a {$3000.00} down payment, my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that CHRYSLER CAPITAL claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. CHRYSLER CAPITAL has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company response to consumer: Closed with explanation