BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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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 2023-05-11
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I have recently notified equifax that I have been the victim of identity theft I have items on my report that I have reported numerous times that should have been removed from my consumer report These items been reported inaccurately are causing sever emotional distress as well as financial setback due impart I can not obtain access to XXXX  Please remove all old address and make sure all current information is accurate Please comply with my disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Army and Air Force Exchange Service
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This was an account back in 2012 and its a military star credit card that I never had. U are only allowed to have this card if u are a servixe member. I have never been in the military I have tried to dispute this and got a police report and still hasnt been taken care of. They even put a tax lien on my social. The card was for XXXX and they have garnished 2 didfrent years one for XXXX. And the other garnishment of XXXX. Way over the limit they said its an interest bearing account and still gains interest. I dont know what to do. Im not liable for this debt. Ive done evwrything and they continue to harrass me and tell me that they will continue to garnish my taxes. And its just awful

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 2023-02-14
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX  # XXXX  for the amount of {$4900.00}, Account XXXX # XXXX for the amount of {$5000.00} 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. Code 1681s2 - 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 2023-05-08
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XXXX XXXX XXXX central time, a representative from Credence Resource Management , called my home phone that is listed on the Do Not Call Registry, and my minor son answered the phone and they told my son that they asked for XXXX XXXX XXXX, my son informed that I wasn't home and the representative informed him that they were calling about a legal matter. My minor son called me and gave me the number and when I called the number back I spoke to a XXXX XXXX XXXX # XXXX, who then stated that she was calling from Credence Resource Management a debt collection company. I asked her for her name, rep number and the name & address of the company, in which she delayed by then gave me the information I requested. I informed her that they were in violation of Federal Law, FDCPA for pretending to be someone else, calling my phone when I never gave them permission in violation of the TCPA and Do Not Call Registry, alone with my name XXXX XXXX XXXX XXXX is copyrighted and they were never given any permission to use the name or to contact me my phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: TX
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I'm looking forward to the immediate update or removal of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-10-07
Company: EQUIFAX, INC.
State: NC
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$14000.00} ; XXXX  XXXX XXXX : {$10000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$16000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-05-08
Company: Experian Information Solutions Inc.
State: NY
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 explanation
Consumer complaint received 2017-10-18
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar is foreclosing on my home. 

In XX/XX/XXXX, Nationstar refused my payment to bring my account current. 
One of the reasons I was given was that after a 3 month trial for a modification, the final paperwork was never signed. In XXXX, and after Nationstar still accepted a payment without those papers being sign, I asked that those papers be emailed to me so that I could sign them. They were not. 
Had Nationstar sent those papers, via email, as I requested, accepted my payments, in XXXX, my home would not be in jeopardy. 
I have applied for a modification twice since XX/XX/XXXXand twice been rejected. 
As per legal advice, I have requested by email ( XX/XX/XXXX ) documents related to my account. Nationstar has not responded. 
I have also sent by certified mail, Request for Information forms ( RESPA ). It has been over 30 days and Nationstar has not responded. 
My home should not be in foreclosure. 
This entire situation has continued to have an adverse affect on my physical and emotional health.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting, credit repair services, 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:
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.

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 2023-07-31
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
After a medical emergency and on XX/XX/XXXX was in need to send money to a foreign country, being a XXXX union customer and enrolled in their program I used their app and decided to send the amount of XXXX $ to be pick up in XXXX Dollars. 
After carefully revising the XXXX Agents in the country where the money was to be delivered decided to send my transactions not in the local currency, instead to be pick up in dollars. On the web /app I had the choice to pick local currrncy or US . I decided for the Us currency, at the moment of the transaction the web site had the choice to pick both options. After finalizing my transaction all seems to be okay I had no disclaimer or advice that my beneficiary had the obligation to pick up I. The local currency.I had no disclaimer in the web or in my receipt. 
For my surprise my beneficiary went to pick up the money and was obligated to receive in local currency or cancel. Also the authoritorozed XXXX communicated that is only in the local currency and if she was to pick up in XXXX dollars she has to pay them the amount of XXXX Gs for the difference in the exchange rate. 
This means O loose that amount plus my fee when they unilaterally decided to apply the exchange rate of XXXX and paid my Bf XXXX the local currency. If o knew this from when o was done o was clearly not choose to do so. 
difference who is over XXXX XXXX dollars. I paid a fee of XXXX us to send the wire to ve pick up in dollars and the system allowed me to do so. 
The exchange rate that western unin is way below the oficial rate and arbitrary imposed me to accept, when I could compare and decided for another services without warning. Locals oficial currency in the country os XXXX vs XXXX of western unins exchange obligated me to accept or pay them. If I have the knowledge and it was disclaimed before I should probably choose a better exchange rate in some other company. 
Western unin is forcing its customers to accept this and for my surprise they are doing this to every customer in the country, without warming. 
I placed a complaint to the company the complaint number is XXXX. 
Western unin is imposing only they exchange rate or pay their agent the difference by the beneficiary or cancel and found impossible to recover the money it takes very long the refunds. 
I was obligated and decided to so against my own interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TransUnion, Responding to closed complaint # XXXX. 

In your response to the CFPD complaint you stated After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In response to your dispute request, we sent you a letter to inform you the information is not currently on your TransUnion credit report and included instructions on how to obtain a credit report. 

Your comment further validates my concerns that the XXXX XXXX ( XXXX ) accounts listed on my credit report do not match the account # s I had with XXXX. 

I've attached a letter that describes the issue in detail.

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 2022-10-09
Company: MOHELA
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called Mohela in XXXX to request that payments I made during the COVID pause returned to me. The representative gave me a timeline but it has now been a couple of weeks beyond when she said it should be returned to me. I have tried to call Mohela again several times but their wait times are several hours long and I just don't have XXXX hours to sit on the phone waiting for service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: MOHELA
State: TN
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 paid off my loan at the end of last month and sent a message to them on XXXX about what would happen next with paying it off but never heard back. Their app says they will message back within 1-2 business days but they havent yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Mandarich Law Group, LLP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2023 about XXXX XXXX  my employer stated that he received papers at my workplace.The papers stated earning with holding order ( wage garnishing ) Im currently enrolled in debt negotiation services ( XXXX ) to pay off this debt which the creditors are aware of so there should be no concerns for them to contact me in anyway especially at my work place.The creditors are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mandarica Law Group, LLP XXXX XXXX XXXX XXXX, XXXX telephone number XXXX /fax number XXXX email address- XXXX.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
XXXX XXXX  : After completing three home equity loans applications with NFCU, I have come to the conclusion I am not being treated fairly and this apparent discrimination seemed apparent after the second application was filed. The first was with my husband, who has a previous bankruptcy on his report. I do not. My husband also has a HELOC, I do not. I was told about this and that I should complete another application without him, which I did. My credit was approved, but I was told UW denied my application based on items that are in my husband 's file and then made invalid comments that my file with other institutions was not satisfactory. Upon hearing this I requested a re-consideration and later completed yet another application. I was told by the loan processor they could not get my credit report and could not move forward with the loan. This is ironic since the prior two applications did not have this problem. Additonally, I never heard from the person and supervisor I sent the reconsideration to. 
Prior complaint : This is the second complaint that I've filed against NFCU. The first dealt with a negative remark on my credit report although there are no late or missing payments. Yet NFCU placed a comment that reads " derogatory '', but only on a third party credit reporting agency and not the three main credit report agencies. The response to CFPB is that they will not remove correct data, however, THEY DID REMOVE THAT COMMENT THAT READ DEROGATORY,.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: GOLDMAN SACHS BANK USA
State: MI
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 APPLE CARD/GOLDMAN SACHS XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 15 USC 1681 Section 602 states : I have a right to privacy.

15 USC 1681 SECTION 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

15 USC 1666 B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT CARD PLAN AS LATE FOR ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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: Personal information incorrect

Complaint:
I have sent letters to the bureaus informing them that I was in fact born in XXXX, not XXXX, and i have requested over and over again to validate various accounts that are being reported incorrectly and not once have I even received 1 letter to inform me that they acknowledge my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still an account that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected.

XXXX XXXX XXXX XXXX Balance Owed : {$11000.00}

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 non-monetary relief
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX : {$10000.00}.

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 non-monetary relief