BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: CA
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:
Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : 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 explanation
Consumer complaint received 2023-12-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent a request to the companies asking to provide my written authorization to report my personal and private information and to withdraw all authorizations per 15 USC 6802. i have uploaded the document that sent to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Home Loan Center, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
I was trying to get a loan and I got approved for {$5000.00}. The person on the phone said that they had to send me {$2000.00} for a verification so he sent me the {$2000.00} after I gave my banking account then he wanted the {$2000.00} back via XXXX XXXX. The person on the phone try different cash app names and you kept on denying.The cash app didnt work so he wanted gift cards and then cash app, I got the gift cards and sent it to him and then I realize that I was probably getting scammed and I asked to end the it. but I still had {$1000.00} and I dont know how to get back to him. It was under lending tree which I know is a loan company but it seemed iffy and so I stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: IL
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 ( FCRA ) this creditor has violated my rights with multiple accounts under 15 U.S. Code 1681 section 602 which states I have the right to privacy, 15 U.S. Code 1681 section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. This collection account is also being reported with several different open/closed dates, balances and last payments dates which is a violation of FCRA and Metro 2 Compliance.

I have disputed this several times in attempt to correct the inaccurate information that is being report, however they has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks 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 non-monetary relief
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: Global Trust Management LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XXXX, I have obtained a installment loan from XXXX for {$1000.00} after an outstanding interest rate on the account I have not made any payment to the company because I did not agree with the unaffordable interest accrued on the account. On XX/XX/XXXX I have received a call from Global Trust Management about my account with cashnetusa in regards to making payment arrangements. I have never done business with this company whom have obtained my personal non public information 15 USC 6802 directly violating my rights to privacy, 15 USC 1692f 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. I have never signed an agreement with this company and have never once recieved in writing any disclosures on how my private information is being used. This company has violated the Gramm-Leach Bliley Act of 1999, Fair Debt Collection Practice Act, Code of Federal Regulations, and the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. XXXX XXXX XXXX XXXX XXXX, 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 XXXXXXXX XXXX, XXXX XXXX XXXX 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 2023-04-30
Company: Nelnet, Inc.
State: FL
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:
There are 7 student loans reporting on my credit report, however there is only one account with the loan servicer and only one payment due. When I was selecting the repayment option for my student loans when I graduated, I was not informed that there was a payment due, which was {$0.00} because of the income based repayment plan. I wasn't made aware until I saw a 120 day late on my credit report. They told me I would have to send them tax returns, which I had yet to file, before they could revert back to the original repayment plan. Which took me 30-60 days to get to them. They have been reporting 7 separate accounts being 120+ days past due. But when I get a statement, there is only 1 payment due, not 7. This has been impossible to correct and extremely unfair. I have not been able to get approved for almost anything in over 7 years. I had to refinance the student loans so that they would stop reporting negatively. The next year when I sent them my returns, they said that " they '' didn't file my paperwork timely which then resulted in even more of lates. However, they were unwilling to correct he information reported to the credit bureau. 

These accounts should be deleted based on the first late payment, which should have already happened. 

In accordance with the Fair Credit Reporting Act, NelNet Account # XXXX, XXXX, XXXX, 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 a account without my written instructions. 
They are in violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
DiTech continues to make false statements concerning my account. First, they state that the escrow analysis done in XX/XX/XXXX, at the time of my modification, went up just after I finished making my 3 trial payments, when my taxes and insurance premiums actually went down at that time. Second, in XX/XX/XXXX, a complaint was filed and Ditech responded to stating that there was an escrow overage on my account and an overage check was sent to me. Since I never received a check, I filed an additional complaint to find out why they made a false statement. They then responded that they actually did n't send me a check. I still have not received the overage check. Third, DiTech continues to report me late with the credit bureaus when my account HAS NEVER BEEN PAID LATE. When I served my last complaint in XX/XX/XXXX, regarding why none of my account representatives return phone calls even though I left many dozens of messages and called on a daily, hourly basis to XXXX XXXX, x XXXX, XXXX XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, and XXXX x XXXX. With all of the calls placed to each of these representatives, none of them ever ONCE answered their line. Many of them would have a voicemail that was full and no message could be left. When I finally did speak to my account representative and others, they always promised a phone call back, never mentioning that there was a " cease communication '' on my account. When XXXX XXXX called me for the first time in XX/XX/XXXX ONLY in response to a CFPB complaint, she apologized and said she would get to the bottom of this and get back to me. I advised and she confirmed that the " cease calls '' was removed from my account. Just as I advised XXXX x XXXX to do MANY MONTHS EARLIER. I was only informed in XX/XX/XXXX that my request needed to be in writing, which I faxed within minutes of receiving this information. It seems as though DiTech is using this as just another excuse as to why my account has been mishandled from the beginning. Again, if they are using the " cease calls '' as an excuse not to call me back, why did I receive a call from XXXX XXXX or even XXXX who actually did call back on a couple of occasions to let me know he was still waiting for the research to come back on my account? This behavior is very suspicious. I also forgot to mention that I sent a fax directly to XXXX XXXX, the Paralegal responding to these complaints to discuss the misinformation that he continues to place in his responses. Of course, I did not receive a call back from him either. Again, due tot the fact that I was trying to work out what ever discrepancies may have existed on my account, and the fact that DiTech continues to report misinformation, they must cease from reporting my account late with the credit bureaus.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Transunion has not removed the inaccurate information with evidence of the inaccurate information. I sent letters, pictures, my consumer rights that were violated and evidence of inaccurate information reporting on my consumer report. Transunion is continuing to violate my consumer rights and also adding defamation of character as this inaccurate information is keeping me from obtaining credit. 

Complaint # : XXXX According to the law : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer Sent to company STATUS Sent to company on XX/XX/2022 We've sent your complaint to the company, and we will let you know when they respond. 
Their response should include the steps they took, or will take, to address your complaint. 

This was Transunion Response : Company responded STATUS Company responded on XX/XX/2022 RESPONSE TYPE Closed with non-monetary relief Company 's Response In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion has completed its investigation , including contacting the furnisher of the information. 

Transunion could not have done a proper investigation or re-investigation because my recent consumer report still shows INACCURATE INFORMATION. After their first, second, & third investigation my name is still wrong. Information on my credit report is still INACCURATE. XXXX is reporting false and inaccurate information and refusing to abide by the law. 

I have attached all factual documents and pictures of the evidence.

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 2022-04-30
Company: EQUIFAX, INC.
State: TX
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 XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purp
ose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: Santander Consumer USA Holdings Inc.
State: TN
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:
Santander Consumer financed a car I purchased from   XXXX    located at   XXXX   XXXX   XXXX  . I was under   XXXX   XXXX   when the   XXXX   XXXX   I had was totaled. The case number was  XXXX , I was discharged in  XXXX . The Trustee was   XXXX   XXXX   XXXX   Chapter  XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX  .  XXXX  TN  XXXX . Attorney   XXXX   XXXX   mishandled my case terribly. He filed the law sue that I filed in  XXXX , as workman 's compensation.   XXXX   XXXX   brought this to my attention. He made my personal records public. I did a substitute of collateral. He allowed payroll deductions to continue to be applied to a car.   XXXX   XXXX   posed as a paralegal and had access to my records. Santander attorney was   XXXX   XXXX   XXXX   (  XXXX  ) &   XXXX   XXXX   XXXX   (  XXXX  )   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX     XXXX , TN  XXXX . I paid the courts {$18000.00} from the medical malpractice law sue in  XX/XX/XXXX . I do n't know what the courts did with all the money I paid. The vin number on the  XX/XX/XXXX  was  XX/XX/XXXX . I was laid off of my job on  XX/XX/XXXX , payments continued to be payroll deducted until   XXXX    when I was discharged. My insurance was with   XXXX   XXXX   XXXX  . I purchased a warranty with the  XXXX . The warranty was stole by   XXXX   XXXX   and   XXXX   XXXX   to service a series of cars without my knowledge. I learned of this theft when I pulled my bank records with   XXXX   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
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/XXXX I emailed the Customer Service and Research departments at Cardinal FinancialXXXX XXXX to request a credit report correction to remove a 90 day late payment reported in XX/XX/XXXX. A response was received on XX/XX/XXXX stating no correction would be made because I was never approved for a forbearance which is completely false. 

My first mortgage payment on this loan was due XX/XX/XXXX and was made on time. I was subsequently approved for a $ XXXX forbearance for XXXX, XXXX & XX/XX/XXXX. Attached is a letter dated XX/XX/XXXX from Cardinal Financial that states I was approved for a forbearance along with a copy of the signed forbearance agreement dated XX/XX/XXXX confirming my acceptance. I emailed the Loss Mitigation on XX/XX/XXXX to confirm my acceptance of the forbearance agreement. I also spoke with XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX in the Loss Mitigation department and they both confirmed the forbearance was approved for XXXX, XXXX and XX/XX/XXXX. 

Furthermore, a payment from the Homeowners Assistance Fund posted to my mortgage account with Cardinal Financial on XX/XX/XXXX that covered 6 months of mortgage payments which Cardinal Financial applied to the period XXXX XXXX XXXX 

I dispute the 90 day late payment reported in XX/XX/XXXX as I was approved for a forbearance in XXXX, XXXX and XX/XX/XXXX and in XX/XX/XXXX a mortgage payment was made on my behalf from the Homeowners Assistance Fund that covered a 6 month period that posted to Cardinal Financial on XX/XX/XXXX in which they applied to the period XX/XX/XXXX through and including XX/XX/XXXX.

Company response to consumer: Closed with explanation