BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-16
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 was checking my credit on Experian website when it said that my XXXX account could not be accessed. I clicked and after seeing that the figures on the screen changed dramatically, I realized that I had linked my checking account or shared my data with Experian which is something I did not wish to do. 

So I tried to unlink it and was unable. 

An email from Experian would redirect me to XXXX and instructions on how to unlink, the third option after clicking on profile and settings was visit AccountSafe page. XXXX is theres no such XXXX page and no way to unlink. 

I spent time trying to figure it out and called XXXX where I waited on the phone for about half an hour. Then, waited to talk to a supervisor because the first advisor wanted to have me call the XXXX fraud department, which would have screwed up all my accounts and send me down a huge rabbit hole. 

But this is not fraud exactly but a trick to access your data under a phony pretext and then not be able to unlink Experian from your bank account. 

The XXXX supervisor XXXX also knew nothing about this gimmick and/or the lack of an XXXX page to unlink and called it credit journey. 

But nowhere on the page did it say credit journey. I just wished to unlink Experian to my personal data. 

This was accomplished through another means not the prescribed bank/Experian method. 

Its obvious the bank and Experian are in cahoots to hoodwink you into sharing your private information without any options. 

Although I was finally able to unlink, it took me an hour and I have also filed a complaint case # XXXX To what end I dont know. Its all rigged. Is it any wonder Americans are upset n I realize that the CFPB is not empowered to do anything at all about anything except take the banks money in political contributions, but this is so transparently a SCAM. Its my responsibility to go on record reporting it.

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 2023-01-10
Company: Experian Information Solutions Inc.
State: AL
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  Acct # 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 Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: U.S. BANCORP
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I used XXXX to pay a rental deposit and the supposed landlord/property owner has now disappeared on me along with my money. I filed a complaint with US Bank who said they would be sending my paperwork to submit my Fraud case. After a week of having received not paperwork, I called back and was told I was denied. The person on the phone stated that it was my fault for sending money to someone I didn't know and that XXXX was not supposed to be for that. I did everything you are supposed to from going through a reputible company to find listings ( this was from XXXX ) to even verifying with the County Assessor 's office the that the owner 's names matched. I also pointed out that this was not unusual and that I had many potential landlords asking for even the application fee to come through XXXX. They didn't even give me an opportunity to submit my evidence, which included the property owner letting me know I would be immediately refunded if I chose not to rent from them. They did no investigation and just denied my claim. I was only given an email to submit documents, after I called and complained at the Bank after a week and so far have gotten no response to the documentation I submitted.

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 monetary relief
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Please take a look at the attached letters and ID docs for verification that it is I 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 2023-06-12
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are reporting on my Credit Reports : EXPERIAN : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX  XXXX XX/XX/XXXX XXXX : 1. XXXX  XX/XX/XXXX XXXX : 1. XXXX  XXXX XX/XX/XXXX 2. XXXX/XXXX  XX/XX/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 2018-09-01
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I notified Mr Cooper That My husband the borrower of our mortgage has past away on XX/XX/18 I told them I would be having difficulty Paying mortgage. I immediately Filled out all paper work for hardship modification. In more then 10 years I never had a late payment. I was a good customer. I was denied within days I was scared. I asked if they could offer any kind of forbearance with many mortgage companies do they said no! I asked if they could help in any way the answer was the same no! The only thing was to be late and repay it over the nextt month but that would damage my credit. No money no credit I was just appalled how terrible this bank treated there customer. No option for someone in hardship. Except go further in trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: NC
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-03-08
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have been monitoring my report and I noticed that my credit score went down to XXXX inquiries that I did nit authorize and it took my score down very low and It has impacted my life with added stress with the XXXX. I am really in the red zone right now and I do not agree with the actions taken

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, 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.

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 non-monetary relief
Consumer complaint received 2018-08-30
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I began to struggle with my mortgage payment in XX/XX/XXXX while cooperating from a XXXX XXXX and a XXXX. I had some out of pocket medical expenses and I informed Mr. Cooper, my lender of my struggle. I heard nothing from them until I received an auction sale date for XX/XX/XXXX. Ive been working with Mr. Cooper all the month of XXXX and nothing happen. Just the usual rudeness and hours of hold time. I called today and was told by Mr. Cooper that they offered me a loan modification in XXXX and my first trial period payment was in XX/XX/XXXX and since they didnt hear from me the month of XXXX they put me in foreclosure with the XX/XX/XXXX sale date. They acknowledge they never called me in XXXX because I was under the modification but I still was being processed the same month for foreclosure. I can not be in foreclosure and loan modification at the same time. I Never received a loan modification trial period and today was the first I heard about it. The state of Georgia says they must give me 45 days and I didnt get that time. When I called today they did not quote me the disclaimer nor did they advise me that I was being recorded but I do have names and departments. When I called back to ask a few more questions my calls were blocked. On the internet the sale date/ auction date was submitted XX/XX/XXXX. I have $ 100K equity in my home and I shouldnt have to lose my home for {$8300.00}. They gave me one option and thats to pay the reinstatement amount and this is the only option I cant do. There are too many complaints that Mr. Cooper, better known as Nationstar, subjects borrowers seeking mortgage modifications to Kafkaesque delays and obstruction in Violation of state laws. I need them to offer me the program they said they offered me that would get my mortgage current and affordable. I was told today the loan modification lowered my monthly mortgage payments. Again I Never received a loan modification trial period and today was the first I heard about it. I need them to give me the time the state allows so I can be considered the modification to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
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: Account status incorrect

Complaint:
I have various inquiries on my credit report XXXX and equifax as well as false personal information that Ive tried to have removed because I did not allow it nor did I apply for it

Company response to consumer: Closed with explanation
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: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TransUnion is reporting this CHARGED OFF account XXXX XXXX  as OPENED on my consumer report. To my understanding a charge off account is considered to be a closed ended account therefore there should be no indication that this charged off account should be reporting as opened. I've already put transunion on notice of this blatant error and transunion refuses to modify the account appropriately therefore they should have deleted the account. instead of fixing the account TransUnion only sends me stall letters to ignore my dispute.I 've never disputed this account based on validity. this account has been disputed based on the simple fact that transunion reports this charged off account as opened instead of closed.

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 2022-03-08
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
UPDATE TO COMPLAINTS ALL OF WHICH THE DEFENDANT HAS FAILED TO COOPERATE & ANSWER WELLS FARGO CONTINUES FALSE NARRATIVE FOR THE SOLE PURPOSE OF INFLATING FALSE INCOME THERE IS NOT 1 ENTITY THAT SUPPORT THE CLAIMS THAT WELLS FARGO CONTINUES TO EVADE IN THE ATTEMPT TO INFLATE MONTHLY MORTGAGE BY NEARLY {$200.00} A MONTH FACTS : 1 ) WELLS FARGO IS BILLING DOUBLE INSURANCE OF STRUCTURE- AS THE MONTHLY HOA DUES COVERS THE STRUCTURE AS WELL- THAT " A DOUBLE WHAMMY! 
2 ) XXXX COUNTY HAS INDICATED THAT THE TAX AMOUNTS IS RELEASED ONCE A YEAR. WELLS FARGO HAS CLAIM TO HAVE TO INCREASE ESCROW BECAUSE OF INCREASE IN TAXES- TWICE A YEAR 3 ) THE TAXABLE VALUE USED BY WELLS FARGO IS EXCESSIVE & AGAIN NOT AGREED TO BY ANY OTHER ENTITY. 

WELLS FARGO MUST REFUND A N EXTREMELY LARGE REFUND FOR THE EXCESSIVE INSURANCE, HIGHER THEN REALISTIC TAX & PROPERTY VALUE IMMEDIATE THIS MUST BE INCOOPERATED & SUBMITTED MONTHLY TO THE PROPERTY ADDRESS AND NO LONGER PAID BY AUTOMATIC BANK WITHDRAWN THAT WAS AGREED UPON WITH XXXX XXXX, ETC.- NOT WELLS FARGO WELLS FARGO HAS NEVER REIMBURSED FOR THE EXCESSIVE COSTS INVOLVED IN 2 MORTGAGE PROGRAMS IN WHICH WELLS FARGO WILLFULLY SOUGHT TO HARM THE APPLICANT. 

THESE PROGRAMS HAVE BEEN FULLY DESCRIBED IN PRIORCOMPLAINTS TO INCLUDE THE LOSS OF {$1500.00} IN EARNEST MONEY WHEN WELLS FARGO FAILED TO CLOSE ON TIME. WELLS FARGO AGRESSIOUSLY HARM THE APPLICANT WITH FALSE NARRATIVE THAT TO DATE HAS COSTS THE APPLICANT OVER {$70000.00} IN REAL ESTATE TRANSACTIONS THAT MILLIIONS OF AMERICANS HAVE PROSPER FROM.

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 2021-07-31
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was a customer of Chime Bank an online bank company for over 3 years. I had a checking and savings account which had XXXX in them. I changed my phone number and email address via the app they have and they determined that was suspicious activity. I provided all the documents they asked proving who I was and they still closed my accounts and informed me they didn't have to return my money. And they still have kept it please help me I gave kept all the emails with documents I sent them ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Experian Information Solutions Inc.
State: WA
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:
I was impacted by COVID and applied to forbearance to my primary and secondary mortgage on XX/XX/2020. My primary mortgage had no issue giving me forbearance immediately. However, my secondary mortgage company XXXX claims I did not apply on that date. 

I had applied via XXXX  ( aka XXXX ) website on XX/XX/XXXX and have gotten a confirmation for forbearance. Two months went by with me thinking I was under forbearance like I have had with my primary mortgage until I realized something was wrong and the secondary mortgage was not under forbearance. I called them to try to correct this and they implied they would and I finalized my forbearance in XXXX. 

After selling my property I paid off both loans. However XXXX has reported XXXX and XX/XX/XXXX as 30 days late. If they had not failed on their end, I would have been under forbearance and would not have these two damaging items on 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 2018-08-31
Company: NATIONSTAR MORTGAGE LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
13 payments still have not been reported to the credit bureaus. I have received a copy of my payment history from your company via mail today. I will continue filing complaints until all payments are properly reported to all credit bureaus. You stated starting in XX/XX/2018 all payments would be reported after my forbearance period, refer back to taped phone calls with your company. As of today, they are still not being reported. This issue will not be resolved until my payments are all properly reported with the credit bureaus. Per your representative, XXXX XXXX he suggested I find another bank to refinance my loan, I have yet to do so since XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX   Loan Originators stated, " XXXX XXXX XXXX XXXX needs to report all payments with the credit bureaus. This can easily be resolved by the company submitting a report showing all payments that are missing as now being reported, " Paid. '' Your company is once again, holding me back from now refinancing and then selling my home. When will this end? Lawsuit?? Media? You t
ell me as XXXXne of many consumers I am finding out that have gone through this same issue, XXXX XXXX   XXXX XXXX not reporting payments with their mortgage loan to the credit bureaus. 

Your representative XXXX XXXX did not return calls nor emails all of the time, especially when he stated he would contact me back. Instead CFPB would send me an alert stating you submitted a response to my complaint. I have contacted your company again this week, this morning to address the missing payments. When is this going to be so easily resolved? This is a HUGE issue, problem that continues ... 

I thought your company Motto was to help and support all veterans. I have other coworkers that are having the same issue with XXXX, not reporting all payments with regards to their mortgage loan. Seems I am not the first. I never had problems with car loans nor bank accounts with XXXX, seems only the mortgage sector of your company has the issues. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, 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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation