BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-17
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:
n 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. 

( XXXX ) Account # XXXX ( XXXX XXXX  XXXX ) XXXX XXXX XXXX, ( XXXX ) Account # XXXX ( XXXX XXXX XXXX ) ( Transunion ) Account # XXXX ( XXXX XXXX XXXX, Account # 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 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 2023-09-03
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am aware there is a past due balance and agree to pay the following financial obligation regarding ACCOUNT : XXXX to which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of receiving this Conditional Acceptance sent certified mail return receipt, requested you deliver to me the following : provide a copy of the master promissory note and disclosures according to The Truth and Lending Act. 
provide a validation of the debt, that, production of account and the general ledger statement.

Verification of your claim against XXXX XXXX that is, a signed Invoice. 
A copy of the Contract binding both NEL NET AND XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. 
A statement admitting whether you are the holder in due course or whether you are a servicer. 
A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
IN THE EVENT YOU HAVE BEEN SECURITIZING MY NOTES AND FAILED TO PROVIDE ME MY SHARE, I WOULD LIKE TO BE REIMBURSED MY 80 % WHICH I AM ENTITLED TO RECEIVE BY LAW, IF THEY WERE SOLD IN SECONDARY MARKET. PLEASE REDIRECT MY SECURITIES TO THE UNITED STATES TREASURY SO THAT THEY MAY BE SECURITIZED THROUGH MY TREASURYDIRECT ACCOUNT XXXX. 
The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
The CUSIP number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 

Please provide the above documentation for my personal records. Thank you for your time and attention to this matter. 

Respectfully, XXXX XXXX XXXX BENEFICIARY AUTHORIZED REPRESENTATIVE FOR XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved. 



IT IS IDENTITY THEFT BECAUSE ACCORDING TO FERPA US DEPT EDUCATION AGREED TO NEVER SHARE MY PERSONAL INFORMATION IN WHICH SOMEHOW NEL NET GOT IT WITHOUT MY CONSENT OR PERMISSION. NOTES HAVE BEEN SECURITIZED WITHOUT ME RECEIVING MY SHARES. I REQUESTED MPN AND ALL LOAN DISCLOSURES VIA CERTIFAL MAIL RECEIPT # XXXX XXXX XXXX XXXX XXXX. INDENTURED TRUSTEE FOR NEL NET IS LIABLE AND REPSONSIBLE FOR THE FRAUD THAT IS OCCURING AND HAS BEEN NOTIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
We went to XXXX to get a better deal on a XXXX XXXX. When we got to the dealer after driving XXXX hours the car did not have options that we were promised. We were then shown a XXXX XXXX that did have the options but cost the same. They tried to sell us the more expensive XXXX but we said no. During the financning process the finance XXXX tried to bait and switch us and hide the numbers. I had to request he scroll back up to terms and conditions and he was reluctant. The rate and payment were not what the sales man had just stated XXXX minutes prior. When I got upset with the finance person he apologized and said he would fix it. He came back and put us back on what was told to us. We left with a XXXX XXXX with a XXXX payment and XXXX miles a year for XXXX  months. We just received our payment coupon after the first due date and now the miles per year are stated at XXXX. XXXX XXXX has now been caught twice trying to get away with something. They need to be stopped as I am sure they are doing this to more people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions 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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXXXXXX Balance Owed : {$6100.00} XXXXXXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX  Balance Owed : {$0.00}.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 delete the following information from my credit file. The items I need deleted are listed in the report attached. I am a victim of Identity Theft and did not make the charge. I demand that the items are deleted to correct my consumer credit report. I reported the theft to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items asap!

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 2023-11-20
Company: EQUIFAX, INC.
State: CA
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 have been disputing an account that is unlawfully on my consumer report with XXXX, Equifax and XXXX. 

They have refuse to even acknowledge the issue with my request and continue to send me cookie cutter dispute responses that doesn't address the issue. 

The request was for a Child Support account to be removed as the name does not match my legal name ( My legal name is XXXX XXXX XXXX and they are reporting it on my account as XXXX XXXX XXXX ) and the account should be removed due to it not meeting FCRA requirements. 

I also disputed this with the child support agency ( XXXX XXXX XXXX XXXX XXXX ) and they have now closed this account due to their error yet the it still appears on my report. 

I am demanding this account be removed as it is inaccurate and effecting my creditworthiness and not allowing me to obtain much needed business credit to improve my families situation. 

Attached is a letter from them proving that this account is now closed and it clearly still shows my legal name being in error which is an FCRA violation and should be removed from report for good. 

I am ready to take legal action if the request remedy does not take place as this is a direction violation of my rights. 


XXXX Co Acct # XXXX

Company response to consumer: In progress
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: SC
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: Investigation took more than 30 days

Complaint:
I sent disputes to experian and its been more than 30 days since I heard from results of disputes. Most of all of my disputes are older than 129 days or they are charge offs or they are in limbo and action is not being taken expeditiously

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 2023-12-06
Company: OneMain Finance Corporation
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a notification that a loan application was submitted under my name for a load with One Main Financial on XXXX. I called one main and reported the fraud and they said they would decline the application. I have also called XXXX to put a freeze on my credit. XXXX told me to file a report with reportfraud.ftc.gov and send them a copy of the report to have the credit inquiry removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: WI
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX 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 explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: IL
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:
my information was sold and bought illegally because i was a victim of the equifax data breach. I want these items deleted from my credit reports immediately. I am attaching prrof that equifax has admitted that i was in fact a victim of this data breach and equifax has done nothing. please help me delete these illegal accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
During XXXX, multiple companies ( XXXX bank, Bank XXXX XXXX ) attempted to run my report for either the purpose to review my overall status with TransUnion. XXXX displayed was and is false with inaccurate information related to my mortgage loan as being late when in fact it is not which I confirmed with XXXX XXXX as of last week during Last week of XXXX. 
Then showing me as deliquent and high balances on installment accounts which is false since my installment accounts are either paid in full or have not had a balance reported as of yet with XXXXXXXX XXXX XXXXXXXX XXXX being $ XXXX limit and paid amount of nearly half from date opening as XX/XX/2023 after a house fire. I was told by XXXX XXXX they are closing my large account due to my credit from TransUnion which now this makes the 4th incident by TransUnion which related to all the complaints I have submitted to CFPB.

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 2023-06-01
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is for pnc bank. They claimed to give me a equity line of credit. It was a credit swap. They said XXXX XXXX you can get {$35000.00} to fix my house. I signed the promise to pay being young and XXXX. For that signature they got {$35000.00} from my trust ( cestique act trust of 1666 ) then when I signed the final document they got another {$35000.00}. I am confused. We have a book from federal reserve called money modern mechanics page two states banks can not lend money. Hmmm. Banks take promises to pay and exchange them for credits. Basic booking entries. Proof Daley vs bank of montgomery 1969. Daley argued the bank must put something up of value and they did not. Do you think a regular person can interpret a Morgage contract? No. You needed to provide a book called XXXX XXXX XXXX to interpret. They did not. This contract is void and refunded plus damages based on fraud and lying in contract. I have a certified public accountant under oath saying all bank loans are fraudulent. Banks have the borrower pay morgage insurance which they get paid again. Then if someone can not pay the credit swap which you call a morgage then they steal the house and sell it again. I also have a affadavid that all debts are prepaid signed by court official. It states clearly will represent all morgages. This is backed by the federal government 100 percent penny by penny. I filed the paperwork with government. They billed my bond every month and asked me for another payment trust fraud and illegal. I am willing to look past this for a full refund plus damages to be paid in federal reserve notes what you call money. 

I am not a U.S. XXXX XXXX XXXX XXXX XXXXt XXXX. I am a U.S. XXXX XXXX. I have rights a U.S. XXXX does not. 

The remedy will be my {$35000.00} for the credit swap what you called a loan plus damages. 

If we can not come to a remedy I will place lean on ceo surety bond, have you audited to see the books all called arbitration also willing to go to court. Your fraudulent system fraud is exposed. You already had a certified letter sent to pnc corporate office addresses to the ceo.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Self Financial Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
15 U.S. Code 1681a - Definitions ; rules of construction ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

2 ) Exclusions. the term consumer report DOES NOT INCLUDE ( Definition of exclusions : refer to things or individuals deliberately left out or not included in ) ( Definition of Include : The term include means to contain something or to make something part of a whole. It involves incorporating or considering someone or something as part of ) any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definition of consumer : an individual Definition of person : The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
They are reporting a transaction and an experience which Congress states is not INCLUDED in my CONSUMER REPORT Their opinion does not matter the U.S federal law is the law and it clearly states transactions and experiences are not INCLUDED in my consumer report.

Delete the account off all my consumer reports immediately. 15 U.S. Code 1681- Congressional findings and statement of purpose They should not be reporting negative information about me to a company which Congress says Assumed a vital role and has the ability to damage my mental and financial life. This causes me not to be able to move forward with my life which is not ( fair ) and credit reporting has to be fair to me the consumer! Either way transactions and experiences I had with them are not included in my consumer report. 
SELF FINANCIAL is in violation of the federal law. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( up to {$1000.00} ) U.S. Code 1611- Criminal liability for willful and knowing violation ( up to {$5000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX  SS, Account # XXXX XXXX XXXX XXXX  SS, Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account 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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-10-06
Company: Experian Information Solutions Inc.
State: CA
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 thankful for the progress made but exasperated by the fact that my identity theft situation remains unresolved. However, my relief is marred by the fact that the following fraudulent accounts persist on my credit report : XXXX XXXXXXXX XXXX I am a victim of a grave injustice. These fraudulent accounts are not only causing severe damage to my creditworthiness, but they are also affecting my financial stability, limiting my ability to secure loans, and increasing my stress levels exponentially.

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: Experian Information Solutions Inc.
State: KS
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-12-07
Company: CBC Companies, Inc.
State: IL
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:
these inquiries are unauthorized and they are not related to any transaction by me According to the 15 usc 1681 law there should not be any damages in my report its defamation to my character these are all the inquiries on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation