BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-20
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ive been a mortgage customer at Union Bank for many years. Earlier this year I refinanced within Union Bank under lower percentage. My payments are automatically administered by the XXXX XXXX XXXX monthly. As it happens, Union Bank issues new account number for me, but the payments were going to the old account and I wasnt made aware of it. 
As a result there is a late fee of {$250.00}, again, I wasnt aware of. I sold my house few weeks ago and only then discovered that late fee. The Union Bank customer service supervisor apologized for a mishap of ever assigning me a new account and reversed their late fees. Well, as that late fee was included in the closing cost, the bank never issued the check, that is due to me.

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 2022-10-15
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Over the last two years, i've been having problems by accessing my online banking with your company I have got no response from Bank of America. When I had try to call or send an email to the finan I believe that someone in that agency is trying t Also having the same problem with 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 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 sent a letter off to the CRA To remove personal information that I do not want on my credit report. Any other personal name variation and address variation is inaccurate and need to be removed. My official government issue identification name is XXXX XXXX XXXX, I do not goby any other name. My only address XXXX XXXX XXXX, XXXX, XXXX no other address is mine never lived there. I pay all my utilities at the above address and that address is on my official government identification According to the fair credit reporting act 12USC 1681. I have the right to privacy. Also to according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. 
According to 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 2021-12-20
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : 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 2020-05-21
Company: Santander Consumer USA Holdings Inc.
State: IL
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:
Car was repossessed, account showed closed but Im still  negative credit reporting ... car was sold. Santander Settlement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Reported false information to XXXX and XXXX XXXX 

Source of Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Number : XXXX For : SUSPECTED FRAUD ACTIVITY ; REPORT IS DISPUTED BY CONSUMER ( XXXX ), AND VERIFIED ACCURATE BY FI ; Reported Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Reported XXXX : XXXX License : State : Date of Closure : XXXX # : XXXX / XXXX Status : NO MONETARY LOSSClosure Status Date : XX/XX/2023 Dispute Case ID : XXXX Bank Name : Bank of America Reference # : 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 monetary relief
Consumer complaint received 2021-01-12
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX 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 accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
I've been having problems trying to contact the credit bureaus about updating my personal information 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 explanation
Consumer complaint received 2022-10-15
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 unauthorized inquiries reporting on my credit report that I didnt authorize or approve and I would like them removed as soon as possible because they are fraudulent. The following inquiries are not mine and I dont recognize them : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Westlake Services, LLC
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: Their investigation did not fix an error on your report

Complaint:
I still have Inaccuracy on my credit report after multiple disputes letter sent informing them about the problem. 

From my understanding is that the XXXX XXXX Format is the industry standard for reporting accurate, complete, and timely information. The Item of Information should, but does not, accurately and completely paint a truthful picture and such consumer reporting fails to meet the maximum possible accuracy which is the industry standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I did a pre-qualify for a credit card and was told I did not pre-quaify. 

I contacted PenFed to have them do a soft pull again, because some information had just come off of my report after the first Pre-qualify and that if they did the soft pull again then they would see that my credit was good enought to get the XXXX XXXX. 
XXXX said she would do a soft pull while I was on the phone and then said I would hear from them about the Pre-qualify and see if I could apply for the card. 
I hung up and when I checked my email it I had been sent an email by XXXX XXXX saying I had just had a Hard Inquiry placed on my credit report.I sent an email to XXXX telling them what happeed and they gave me a run around saying they could not help me and they kept insisting I send them documentation I told them all they had to do was a soft pull and they would see that the hard pull was on there. 
I asked them to remove the hard pull. 
I asked them to talk to XXXX and she would confirm that the hard pull was not supposed to be done but only a soft pull. 
I asked for a copy of the recording of the conversation XXXX and I had and that if they listened to it they would know that I did not give authorization to do a hard pull. 
And they said they could not help me and that they needed a copy of the credit report and on and on I wrote that I had XXXX  which was protected under the Americans with Disabilities Act and that I was asking for a Reasonabe Accomidation. 
I told them that gathering the documents and sending them was overwhelming me ... ..I will send you some of the emails. but here are the case # Confirmation of Support Case XXXX Case # XXXX This will comtain all the conversations in the emails. 
I lost credit score points and I am very upset and this has exaserbated my mental condidion. I am Under doctors care at the V.A. for this condition and I am at my wits end. I am overwhelmed and can hardly think. 
I am having a terrible time just writing this. 
They just keep replying that they want the report. 
Why do they need the complete credit report? 
I took a screen shot of the inquiry and sent it to them and they say they need a copy of my complete credit report. 
I asked that this be escalated to the supervisor and they will not let me communicate with the supervisor. By law if you ask to have it escalated they have to comply. They refuse to escalate this and keep asking me for documents and I about at my wits end.

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 2022-11-24
Company: EQUIFAX, INC.
State: MA
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Navient Solutions, LLC.
State: AK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Both Fed and non Federal loan should be able to be checked, I have both. I was injured on the job and because my employer chose to keep me employed and use the feral program for reeducation before my separation was forced, I ended up with both problems of having to fund my own and use loans as well as face unemployment with injuries. XXXX with XXXX with time. This was known to the first application then sold to the next holder and always mentioned by myself to the originator and have not for so many years been offered help to apply for forgiveness of some kind if at all available only to differ under forbearance. All the while the state has full overview of my case seeing that it was to provide for medical care for life yet the private and the state insurance are and where both the same ... ... .I have been manipulated by the legal hoops that lead to help and the state regularly through the private section controvert me regularly. Upon the provision of the state know that the case is for life. Also particular to my case there is no primary designated to oversee any needs or forms they knew this at the time of agreement. Any how I have regularly attempted to go back to school and finish some course work regularly but have struggled more recently with time elements. and funding even for tuition that would have been covered by the employer had they not snubbed me, scrubbed me, forced me to resign. Some thing stinks and this is only the short outline of happenings. Thank you Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a member of Wells Fargo bank for over 15 years. I have personal checking, savings, mortgage and when it came time to open my business I opened business checking and business credit card with them as well. After 5 years of having my business I decided to restructure it from sole proprietorship to an LLC with the same name. After registering with the state and updating my business licences I scheduled appointment with the banker at the local branch. They called and asked to bring the paperwork such as Certificate of formation and Tax Id. I brought all the paperwork and the banker copied them all and told me that all I needed is to close my old business checking account and open a new one under the company name, which I did. When I asked about business card he said I didn't need to worry as it can remain the same. After a week I received a letter from Wells Fargo requesting documentation about my company ( i.e. certification regarding beneficial owners of legal entity and new assumption agreement ) in order to change my business credit card. I again scheduled appointment with the banker and brought the paperwork to the branch office where I filled it out in front of the banker. He copied all the documents and told me that it will all be taken care of. After XXXX weeks my business card account was closed. I could not use my business credit card anymore. I again scheduled the appointment and spoke with the branch manager. She spent XXXX hour talking on the phone with someone, then she made me fill out the same paperwork that I already did XXXX weeks ago and said that this time all is taken care of. After another week I again received the same letter requesting same information I already submitted twice. I filled it out and then faxed it and mailed it. I waited for another week and when nothing happened I tried to call the number provided in the letter. The lady on the phone said that my account was closed because I didn't submit the paperwork in time. She said that the paperwork that I filled out previously is invalid since I didn't indicate the country ( XXXX ) in my address line. 
It feels like the company doesn't want me to be their customer and trying to find a way to get rid of me.

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 2022-05-04
Company: Selene Holdings LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage loan was transferred from XXXX  XXXX XXXX to XXXX XXXX in XXXX, XXXX  and since then we have been charged a {$13.00} fee each month ( plus another one time fee in XXXX XXXX  ). We have made all of our payments as instructed and on time using their online portal, which has no fees associated with it. Both of Selene 's customer service representatives that we have spoken to - on XX/XX/XXXX and XX/XX/XXXX, XXXX could not explain the fee, and why were being charged this amount each month. We were told that an explanation would be sent out in 30 days or so via postal service. But the reason we do not want to wait is because of the concerning statement made by the last customer service representative with whom my wife spoke to on XX/XX/2022. The representative stated that " They ( Selene ) can charge us this, or any other type of fee, anytime, and as many times as they want, even multiple times each day, without a reason or justification. I hope this is not true or is it?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: DISCOVER BANK
State: MA
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 see 2 hard inquiries on my credit report which I did not apply for : 1. An auto loan from XXXX XXXX XXXXXXXX inquired on XX/XX/2023 XXXX. A home loan from DISCOVER FINANCIAL SERVI inquired on XX/XX/2023 I see several soft inquiries which I haven't applied for as well. 

I need to dispute all of these and also place a freeze so my information is safe and protected going forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX. Please repair and update.

Company response to consumer: Closed with non-monetary relief