BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-20
Company: LD Holdings Group, LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I sent the following letter to our loan XXXX at loanDepot, XXXX XXXX, in the afternoon of XXXX XXXX. We have not heard from her or anyone from loanDepot since, and our application remains active. This strikes us as peculiar and wrong. We invested a significant amount of time both in the lead-up to the home appraisal and on the loan application itself -- time, and effort, for which we believe we should be indemnified, in addition to the fees we paid loanDepot. 

" XXXX, We have not heard from you since last Thursday, even though you set our closing date for today. 

Anyway, loanDepot made the initial phone call which started this process. In that conversation, we mentioned the size of our property, the age of our home, and that ours would be a jumbo loan. 

As you made it clear to us in our phone conversation last Thursday, we have been defrauded by loanDepot, as we were, unbeknownst to us, offered a loan for which " we were not qualified. '' A subsequent conversation with XXXX XXXX revealed that our property is, he admitted, " typically ineligible. '' We would not have risked the venture had we been apprised of its nature. 

We wish for our mortgage application to be withdrawn from consideration. 

Please be advised we will report and publish this instance of predatory lending, starting with the Consumer Financial Protection Bureau, and we will disclose names. 

At this time, we request only a full refund of every fee, including that for the appraisal, we have paid loanDepot thus far. 

Sincerely, XXXX and XXXX XXXX ''

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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: Information belongs to someone else

Complaint:
I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX XXXX Experian XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 2022-02-11
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I HAVE NEW AND UPDATED INFORMATION. Before I proceed, I would like to make it clear to your company, and those in position of authority of your company, that congress makes it clear that the banking system is dependent upon my consumer reports being fair, and accurate to me, Pursuant to 15 usc 1681 ( a ) ( 1 ). Pursuant to 15 usc 1681 ( a ) ( 4 ) you were unfair in reporting this information without consulting with me the consumer. Experian has violated my privacy by reporting 4 different names on my consumer report also 7 different fraudulent addresses reporting I, the consumer have in fact sent in verification in my previous dispute with the CFPB ( dispute 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 2017-09-08
Company: EQUIFAX, 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:
Private and important information of mine was shared in Equifax 's leak/hack. While the company is partial victim to the hack, the security provided was sub par and the response to the issue has been lacking. The site to see if you are effected not secure as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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: Reporting company used your report improperly

Complaint:
Equifax was the target of a security breach and millions of Americans and their personal information was compromised on XXXX/XXXX/2017. My information was a part of this hack as well, which may or may not include information such as my name, address, social security number, etc.
Equifax, while victim of a hack, did not take adequate measures to protect the information of millions. It is a breach of trust that such an incident could occur. Users have noticed that Equifax used poor methods of protecting said information, or showed easy ways to get around their encryption process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
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:
XXXX XXXX, XXXX XXXX made a inquirie on XX/XX/19 which i never applied for credit. Please remove I have a credit alert and they should call me before anyone can run my credit.

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 2015-12-11
Company: U.S. BANCORP
State: WI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am the treasurer of my condominium association and in order to assist in the closing of one of our units, US Bank requested a balance sheet of us ; our CPA provided one at a cost of service {$250.00}. The bank stated the bill would be included in the closing and we would be reimbursed. This promise was made in a number of emails before and after closing. I also demanded payment a number of times to no avail. This last request I was told the new owner would pay the bill. The new owner knows nothing about this arrangement. I can not get satisfaction from the bank and think this is very unfair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Experian Information Solutions Inc.
State: MO
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 have contacted XXXX  on several occasions to have them remove the public records for Bankruptcy case # XXXX removed. I have contacted the Public Records company XXXX XXXX and they have removed any public records that are associated under my name and I have submitted all documents to the credit reporting agency. XXXX is refusing to remove the public records stating that they have investigated it previously and are refusing to remove it. I am in need of assistance.

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 2018-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have contacted XXXX on several occasions to have them remove the public records for Bankruptcy case # XXXX removed. I have contacted the Public Records company XXXX XXXX and they have removed any public records that are associated under my name and I have submitted all documents to the credit reporting agency. XXXX  is refusing to remove the public records stating that they have investigated it previously and are refusing to remove it. I am in need of assistance.

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 2022-07-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I setup an international wire transfer online with WellsFargo on XX/XX/XXXX. I expected there to be a delay due to the nature of this type of transfer. A week went by and the recipient still had not received the funds. I called the bank around XX/XX/XXXX explaining the situation and they confirmed that it had been completed on their end and that we should provide the confirmation number to the receiving bank to locate. The recipient tried to use that confirmation number but XXXX XXXX was unable to locate a wire with those details. I called WF again around XX/XX/XXXX explaining that they could not find a wire. At this point we double checked all the info I provided and at that point it was confirmed that the information was added correctly, I was asked if I wanted to file a claim or try providing the fed reference number. I said we could try the reference number, so once again I provided the recipient with this info and XXXX was still unable to locate anything. On XXXX I called WF back and opened a claim and was told to give them 10 business day to investigate. I called back on XX/XX/XXXX to get an update and was told that the claim was filed incorrectly and a new one was opened on XX/XX/XXXX and that I will need to wait another 10 business days. On XX/XX/XXXX, I called back for an update and was told that it could take up to 20 days to be investigated, at this point I asked to speak to a manager and was told that since my claim was for a wire transfer there was no set time for the claimed to be investigated and that it will be worked first come first serve. I asked if my case could be escalated due to all the circumstances and that I have been without these funds for over two months and was told it could not be escalated.

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 2017-09-08
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: Credit inquiries on your report that you don't recognize

Complaint:
There is a credit inquiry on my XXXX report that I have never seen and did not approve. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There is a credit inquiry on my XXXX report that I have never seen and did not approve. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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: Reporting company used your report improperly

Complaint:
Due to the recent Equifax data breach from XXXX to XXXX of 2017 my personal information appears to have been stolen by an unauthorized person ( s ). I appreciate the work Equifax did to stop this breach and to notify those affected. However, I have no agreement with Equifax and upon allowing my personal credit information to be disseminated to possibly malicious individuals they have caused undue stress and possible financial disaster to myself and possibly more than 100 million others. 
After reaching out to see what they are doing about this situation I found that they are signing affected individuals up for a one-year membership for identity fraud insurance. 
This is unacceptable. I can not and will not accept responsibility in any time frame for their failure to protect my information. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CO
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 information was leaked in the Equifax hack. There has been no effect on my credit yet, but the very fact that the information is out there is frightening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX is aware and has proof that Experian is in violation of USC 1681c-2 ( a ) ( 2 ).

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 2018-06-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a new mortgage that was originated by XXXX XXXX  XXXX mortgage on XX/XX/XXXX. The loan was subsequently sold to Wells Fargo Mortgage in XX/XX/XXXX. In the closing documents, the monthly mortgage payment was estimated to be {$2100.00}. 

Wells Fargo notified me on XX/XX/XXXX that the mortgage payment needed to increase by {$130.00} per month due to a deficiency in the amount escrowed for hazard insurance. Upon talking to their representatives on XX/XX/XXXX, I noted the following : - A full year premium for hazard insurance of {$4600.00} had already been escrowed and ; - An additional {$4600.00} was being escrowed on an annual basis and ; - An additional amount of {$1600.00} was needed because Wells Fargo asserted that there was a deficiency in the amount escrowed for insurance Although it wasnt required, I elected to escrow insurance and taxes when I closed on the mortgage. However, Wells Fargo would not allow me to withdraw from their escrow program for two years and until the loan to appraised value was 65 %. 

This raises two issues. First, the estimated mortgage payment for a NEW mortgage is materially incorrect. Second, Wells Fargo will have collected almost two years of escrow payments before the insurance premium is even due!

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 2017-09-08
Company: EQUIFAX, INC.
State: SC
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My husband and I submitted an application to refinance our mortgage to XXXX. On XX/XX/2021, we learned from XXXX that Experian had a security freeze on my credit report and credit score. I never requested a security freeze. I went on-line to try to remove it, and could not do so because I needed a PIN number. I do not have a PIN number and could not get one via the website. I was directed to fill out a form, submit a copy of my drivers license and Social Security card, and number and mail it to Experian at Experian Security Freeze, XXXX. XXXX XXXX, XXXX, TX XXXX. I did that the same day. 
I also telephoned the number given on the Experian webisite, and was unable to get the freezes removed via their voice messaging system and unable to reach a real person. 

On XX/XX/2021, I received an email from Experian acknowledging my request for help via mail, and asking me to rate their service. I did not receive any service at all. I still do not have a PIN, and I still have a security freeze on my account, and XXXX has withdrawn its offer to refinance our mortgage for that reason. Today we submitted an application to XXXX, another mortgage broker. They have advised us that the security freeze remains on my Experian account and they will not process the loan without it being removed.

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 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
3 credit unions were given information supplied from me. This complaint is regarding a trade line on my crit report from XXXX XXXX XXXX. Please the attached letter from the credit union to delete the file. I am also attaching the envelope with post mark on 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 2017-09-08
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: NJ
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:
NOW I WAS OVERLY NICE LAST TIME!, NOT THIS TIME.  PROSPER MARKETPLACE HAVE REPORTED A BALANCE THAT WAS DISCHARGED IN XXXX XXXX OVER TWO YEARS AGO.  THE BALANCE IS ZERO, NOT $10,200.  ITS NEGATIVELY AFFECTED MY REPORTS FOR TWO YEARS NOW.  ONLY A MONTH AGO THEY PROMISED TO FIX BUT HAVE NOT.  THEY DO NOT CARE, AND O THOUGHT YOUR FIRM WOUKD HELP, BUT YOU HAVE NOT AS WELL.  WHAT NOW???

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 2022-02-11
Company: U.S. BANCORP
State: CA
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 submitted complaint # XXXX on XX/XX/2021 to CFPB I submitted complaint # XXXX on XX/XX/2021 to CFPB I submitted complaint # XXXX on XX/XX/2021 to CFPB I submitted the complaints against US Bank for its inappropriate behavior which violates consumer 's right. 

CFPB notified that the company has 60 days to provide the answers. 

US Bank did not provide any answers. It is more than 60 days. 

US Bank even reported to CFPB that it is researching the issue and will submit a report. 

Where is the report? 

Why did CFPB close the complaints without an investigation? 

US Bank is continuously provided false and wrong reports to my credit. As a result, I can not get any loan.

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