BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-04
Company: Experian Information Solutions Inc.
State: IN
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:
This hard credit inquiry is On my credit report without my permission I request that you remove this hard inquiry off my credit report under USC 1681, and USC 1681S2 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2016-07-29
Company: NATIONSTAR MORTGAGE LLC
State: CT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I fell behind on my mortgage because my monthly payment increased from {$1600.00} per month to {$4700.00} per month. I hired an attorney to help me submit a request for a loan modification and my full application request was sent to Nationstar Mortgage. I was denied for a loan modification on XXXX/XXXX/2016 by Nationstar Mortgage. The reason given was due to " Investor does not allow loan modifications. '' They also state the investor / owner of my loan is XXXX XXXX XXXX, XXXX My attorney states that XXXX XXXX XXXX XXXX . does offer loan modifications and Nationstar Mortgage does participate in the Making Home Affordable program. Therefore Nationstar Mortgage is obligated to contact XXXX XXXX Bank and ask them to waive the restriction to allow a loan modification on my loan as an exception. 
I looked up online with the XXXX web site and it says ... '' If a PSA contains such a restriction ( not to allow loan modifications ), the servicer MUST make " reasonable efforts '' to get the investor to waive the restriction. Meaning Nationstar is supposed to contact the investor of my loan, XXXX XXXX XXXX XXXX, and ask them to waive the restriction to allow my loan to be reviewed for a loan modification. I do not believe they have made any effort at all to ask my investor to waive this restriction. According to the HAMP participation agreement, my attorney states Nationstar has an obligation to do this. They have not. 

Their letter simply states due to that restriction, " Nationstar, as the servicer, can not evaluate you for a loan modification ''. It says nothing about contacting XXXX XXXX XXXX to ask for that restriction to be waived and I am certain they have n't made a reasonable effort to contact them. 

I do not believe Nationstar Mortgage has made any effort to ask the investor of my loan ( XXXX XXXX XXXX XXXX ) to waive the restriction " not to modify ''. My attorney states Nationstar Mortgage ( and XXXX XXXX XXXX, XXXX. ) are both participating in the Making Home Affordable Program and therefore Nationstar Mortgage MUST make an effort to ask the owner of my loan to waive the restriction and review my loan for HAMP or regular loan modification. I do not believe for one minute that there is no help for someone who 's mortgage payment increased from {$1600.00} per month to {$4700.00} per month. This is absolutely outrageous, unacceptable and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
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:
I sent a letter off on XX/XX/2023. Here is my tracking # XXXX. To remove personal information that I don't not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institute is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2023-04-02
Company: EQUIFAX, INC.
State: NJ
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, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX  XXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

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.

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 2023-02-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, XXXX XXXX received a XXXX deposit from XXXX XXXX ( co-worker ) for {$3500.00} to my personal savings account which I have with Wells Fargo. XXXX XXXX called & text me to confirm if I received the {$3500.00} because her account had been hacked. I confirmed that I received the money. XXXX XXXX communicated that she was on the phone at the time with customer service from Wells Fargo, as she also banks with Wells Fargo. I asked what the bank like me would to do. XXXX XXXX respond, to send the money back. I then went into XXXX, and sent the {$3500.00} back to XXXX XXXX. The next day, XX/XX/XXXX XXXX XXXX notified me that the {$3500.00} was not in her account, so she placed a fraud claim with Wells Fargo. On XX/XX/XXXX, XXXX XXXX notified me that her claim with Wells Fargo had been resolved and she received the {$3500.00} back. The next day, XX/XX/XXXX, I contacted Wells Fargo because I was locked out of the online banking. They reset my account and I then discovered that {$3500.00} was taken from my personal savings account. I received no notification or reason why funds were taken. I contacted Wells Fargo fraud department to submit a claim for my missing money ( # XXXX ). On XX/XX/XXXX, I called the fraud department again to check the status of the claim and I was denied a refund and claim closed. I had the same claim re-opened again. On XX/XX/XXXX, I contacted Well Fargo again, my claim was closed, and no refund received. I requested to have my call escalated to a supervisor. The supervisor opened a new claim ( # XXXX ) with more details and assured me that this would be resolved. About XX/XX/XXXX, I called to get the status of the claim and the claim was yet again closed and no refund received. Wells Fargo wrongfully closed XXXX XXXX 's claim by taking my personal savings of {$3500.00}.

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 2022-01-13
Company: General Motors Financial Company, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
GM Financial has consistently reported my account as late ( 30 and 60 days ) late. I have NEVER been late 30 days or more with GM Financial. I looked at my payment history on XX/XX/XXXX and verified this. I have tried to rectify this with GM Financial and they delete the trade line, only insert it back on my credit repots again with new 30 day lates. 

XXXX also is not any help. Every time that I submit a complaint to the CFPB, XXXX states that they can't respond to the complaint because it involves something that we previously litigated. Which is not true. 

XXXX also refuses to allow me to dispute the trade line with GM Financial. They give no reason why, they just refuse to allow me to dispute the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-15
Company: TrueAccord Corp.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My partner and I moved to XXXX, Colorado in XX/XX/2022. A month later, we went to a XXXX store to change our phone service, which they assured us was serviced in our area. We purchased new phones and a new plan. When we arrived back to our home town, we were out of service. When I called XXXX they told me that our zip code, XXXX, was XXXX dead zone and had to borrow service from the only service towers in our area - none of which belonged to XXXX. After a back and forth with their customer service team, they told us that we coukd return the phones for a full refund and our service would automatically be canceled on a set date. When I called again to confirm, I was told my bill would be {$0.00}, and I wouldn't owe XXXX anything for the inconvenience of selling us a phone and plan, despite them not servicing our area as they had previously mentioned. I received a bill for this amount, {$0.00}. Now, XXXX is attempting to collect {$33.00} from me through their chosen debt collection company, True Accord. They will not allow me to discuss this with anyone but their debt collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions 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 XXXX XXXX Account has violated my rights. 

15 U.S.C 1681 section 602 A. Stated I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also stated a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit account under an open-end consumer credit plan as late for any reason

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 2016-07-30
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
NATIONSTAR IS GUILTY OF LYING AND MISLEADING BOTH THE CONSUMER AND INVESTIGATORS ... STILL ... TO ILLEGALLY COLLECT ON A LOAN LOADED WITH FRAUD. 
****NATIONSTAR JUST ASKED FOR 5 MONTHS OF HOUSE PAYMENTS FOR 60 DAYS OF OCCUPANCY??? AND THIS IS NOT WRONGDOING??? ... COPY ATTACHED **** NATIONSTAR 'S REP, XXXX XXXX, CONFIRMED AT XXXX ON XXXX, 2016 ... THAT SHE AND EVERYONE ELSE THAT HAS RESPONDED IN 2016 ARE LYING TO THE CFPB OVER AND OVER AGAIN AND THERE IS NO BASIS OR FACT IN THEIR RESPONSES. IT IS ON THEIR RECORDED LINE ... REQUEST A COPY OF IT. 

TODAY, XXXX XXXX, 2016, WE FINALLY GOT OUR FIRST MONTHLY STATEMENT FOR 2016 ... AND IT HAS {$1300.00} IN ATTORNEY FEES ON IT AND A BALANCE DUE FOR ONE MONTH ... {$2300.00} ... YES ... THEY WANT ILLEGAL PRE-PAYMENTS TODAY ... AFTER LYING TO YOU AND UPLOADING A FRAUDULENT STATEMENT IN THEIR LAST RESPONSE OF {$940.00} XXXX, NATIONSTAR AND FREEDOM MORTGAGE ARE ALL GUILTY OF CRIMINAL RACKETEERING, LOAN FRAUD, EMBEZZLEMENT AND VIOLATING A STACK OF STATE AND FEDERAL LAWS. 

THIS HAS BEEN CONFIRMED OVER AND OVER BY THEM IN WRITING AND VERBALLY ... BUT THEY JUST WO N'T TELL YOU THE TRUTH NO MATTER WHAT. 

NATIONSTAR IS A FRAUD AND A CRIMINAL SCAM ... NOT A LEGITIMATE BUSINESS NATIONSTAR DID NOT ADDRESS ANY OF THE LOAN FRAUD ISSUES IN THE LAST COMPLAINTS. THEY HAVE NOW LIED TO THE CFPB AT LEAST 30 TIMES WHILE COMMITTING LOAN FRAUD, ESCROW FRAUD, AND ILLEGAL FORECLOSURE. 

I CAN PROVE ILLEGAL FORECLOSURE AND FRAUD USING THEIR RESPONSES. WE WERE TOLD THERE WAS NO FORECLOSURE PROCEEDING BECAUSE THEY WERE WORKING ON RESOLUTION. THEY STOPPED THE FORECLOSURE ON XXXX ... A PROCESS THEY SAID THEY NEVER STARTED. 

WE HAVE ILLEGAL PREPAYMENTS, AND ILLEGAL ISSUES THAT ARE UNADDRESSED. PLEASE HAVE THEM ADDRESS THESE ISSUES IN THE ATTACHED EXHIBITS. 

THE MOST RECENT ILLEGAL FORECLOSURE ATTEMPT WAS XXXX XXXX AND WE HAVE A COPY OF THE LETTER HERE. 

FOR THE RECORD ALSO ... I WILL ADD THAT ALL OF THE PEOPLE I HAVE MET IN THE MORTGAGE INDUSTRY HAVE PROVEN TO BE THE XXXX, XXXX, MOST DISHONEST, LOWEST FORMS OF LIFE ON THE PLANET. I FEEL SORRY FOR YOUR PARENTS ... AND ALL OF YOU ... THEY REALLY FAILED ALL OF US ... BY LEAVING US WITH ALL OF YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 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 # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-15
Company: EQUIFAX, INC.
State: GA
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:
i started to look at my credit report to make sure my credit was in good standing, however I noticed multiple unauthorized accounts as well as unauthorized inquiries on my report. i'm lost on the fact that whomever was able to steal my identity/information, i was not aware of any accounts/inquires. The fraudulent accounts are as listed : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX XXXX. The fraudulent Inquiry are as listed : XXXX XXXX ( Finance ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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: Problem with personal statement of dispute

Complaint:
Problem : Capital One sent negative status ( unpaid bill ) to all credit reporting agencies w/ incorrect balance of {$220.00}. My account was paid in full on XX/XX/XXXX ( {$140.00} ). 

History : XX/XX/XXXX : My online account requested security confirmation for access. I could not use my phone on file - since it was inactive. Fraud Protection Rep was unable to send a security text to my valid cell phone. After providing many key personal information rep still refused to give me online access. I refused rep 's final option to send him my photo ID so I closed my account. Rep AGREED - but FAILED to mail my final bill statement to my address ( on file ) - as I requested. 
XX/XX/XXXX XX/XX/XXXX : I made four calls to Customer Service. My account was blocked & I was transferred from one rep to another. After providing many key personal information to a Specialist Rep - the rep again refused to send me my bill to my address ( on file ) per my request. A CS Supervisor finally AGREED to mail me my bill - but in my opinion - was prevented from doing so. 
XX/XX/XXXX fax & mail : I faxed & mailed four complaints to Customer Service & Fraud Protection Depts. 
~XX/XX/XXXX mail : I finally received my final bill statement w/ listed total = {$140.00} = all my valid expenses..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX  that was paid off is reported incorrectly by XXXX of XXXX credit reporting agencies. Per the FCRA all reporting must be accurate across all three bureas, and if that it not the case the item must be deleted from the credit report totally. As of today XXXX  XXXX XXXX  XXXX  XXXX, for a XXXX  XXXX XXXX shows the following : XXXX- XXXX Equifax- Derogatory XXXX Paid Please remove this incorrectly reported closed account from the bureaus.

Company response to consumer: Closed with explanation