BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: MD
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 U.S.C 1681.

Account ( s ) : # 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 an 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 more than seven years.
15 U.S. C 1681-2 ( A ) ( 1 ) Section, states : 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 2022-04-13
Company: Experian Information Solutions Inc.
State: IL
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 retrieved my credit report and I noticed several inquiries that I did not authorize. I sent a letter to the credit bureaus about these inquiries. I never received any response.

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 2020-03-30
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2020. My payment arrived 5 days late. Due on XXXX arrived on XXXX. Never been late before. A late charge was assessed. I was not notified. I sent in XXXX payment, on time. They deducted the late fee and did not tell me. Then charged me another late fee for being late again. And did not tell me again. Racking up late charges. I would never have known this but checking my credit score saw that they reported me 30 days late. For a late fee that I was unaware off. Could not contact customer service Due to Covid-19 diminished staffing of customer service.

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 2023-02-14
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have checking account with Union Bank MUFG at XXXX XXXX XXXX. This is my company direct deposit account Im using. Without notifying me my account has closed with my money in this account. 
I visited to my branch and discussed about the reason to close my account and they have auto answering number to contact. I have contact and I leave a message with my whole details. Still I did not get any answer from them. I was trying from last Wednesday XXXX of XXXX. And I can not pay my mortgage and any other due payments card and etc.

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 2023-12-07
Company: EQUIFAX, INC.
State: PA
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:
Account Names : XXXX XXXX, XXXX XXXX XXXX. 

Regarding the accounts above XXXX, XXXX, and Equifax have violated my consumer rights. 
According to 18 USC 8, I do not owe any outstanding debt, and my consumer right to privacy has also been violated according to 15 USC 1681b ( 2 ). Furthermore, these consumer reporting agencies do not have permission to report anything without my written consent and by that, violate 15 USC 1681 ( 4 ). The stated consumer reporting agencies have failed to uphold the legal standard and have violated my rights as a consumer. 
I demand that XXXX, XXXX, and Equifax provide proof of my written consent to report. If such documentation can not be furnished, I demand that the accounts stated above be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I Do Not Currently Have All The dates Or Information to Provide in this Email or Text But If Contacted By my Email XXXX I Can Provide more Information Basically I Attended XXXX Years ago in XXXX And I Was Signed up and Charged a Federal Student Loan I Was Given a Tour of the Campus and An ID Badge I Also was Told by the Staff I Would Recieve a Diploma and Would get an Opportunity to Prepare for a Career Placement or Job in My Field of Study With the Career Specialist I Took Medical Billing & Coding ( XXXX ) However I Began to Fail In Class and Some how I Was Passed GIVEN Good Grades this School had been Under FRAUD And worst I Never Received my Diploma Never A Graduation Invitation Never Took State board Exam for Billing or Coding and Never Got a Career Job I Have Contacted Everbody the State of Florida Education, I Made a Request on the Website for Loan Forgivneesss And I am Still being Billed by FED LOAN FOR THIS PLEASE HELP ME!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
I send a dispute to Transunion about a public record they are reporting on my credit that is not mine. I asked them to send me the independent investigation that reflects my name address and information and they didn't comply. I want they to delete this account the public record that shows is XXXX XXXXXXXX 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 2023-03-27
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/22 ordered a computer from QVC amount {$3700.00}. Did not receive the item. QVC made a police report, XXXX stated the item was delivered on front porch. Have been disputing this with the creditor. My account is reporting a 30 day late charge on my credit bureau account.

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 2022-04-13
Company: Experian Information Solutions Inc.
State: DE
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:
information belongs to someone else

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 2018-09-04
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX To WhomIt May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately The following inquiry needs to be removed immediately : XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX - I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
In XXXX, the XXXX XXXX XXXXXXXX made an error with the property taxes and caused our mortgage to increase. The XXXXXXXX XXXX XXXXXXXX reimbursed XXXX XXXX XXXX ( the mortgage company ) however, the account was not credited correctly. We continued to make monthly payments to XXXX XXXX XXXX until the end of XXXX, when our mortgage was sold to Shellpoint. From XX/XX/XXXX to XX/XX/XXXX, we made payments to Shellpoint, but they stopped accepting payment from XXXX and they are currently disputing that they received XXXX payment, although the funds were withdrawn from my account. The checks for XX/XX/XXXX through XX/XX/XXXX were uncashed and remains in my account. 
We retained the services of an attorney who was working with XXXX XXXX XXXX to address the issue and a few months later, the loan was sold to Shellpoint and an additional attorney fee was incurred. The attorney failed address the issue with Shellpoint. Instead, the attorney brought back an offer of a second mortgage from Shellpoint for approximately, {$30000.00}, that would close the issue without addressing the concerns of the error related to the payments that were made. The second mortgage would remain on the current loan and would be owed to Shellpoint should we decide to sell the property. This offer was refused. The homeowners contacted Shellpoint and they proposed a payment of {$25000.00} to address the outstanding balance and bring the account current or the property will go into foreclosure. They acknowledged that there is an error on the account that was not caused by the homeowners, however, they have not attempted to address the issue to show where the error occurred and make corrections. Instead, they placed the homeowners in financial and emotional hardship, discard the request to show where the error occurred and what took they steps to make the necessary corrections. There are late payment and bankruptcy charges the homeowners are being held responsible for, as well as negative credit reporting that has affective the homeowner credit scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. ( ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMGES OF NOT LESS THAN {$100.00} AND NIT MORE THAN {$1000.00} )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Attached is original dispute w/ XXXX and a Police Report filled and approved by a law enforcement XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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 XXXX Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under aXXXX open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Selene Holdings LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX or so I contacted XXXX that my Mom had died and I need to do something about the loan ( the XXXX ) to get a lower payment. They granted me a modification, and then sold the loan to XXXX Mortgage Servicer. Shellpoint then started the whole process over again putting me through all the same paper work I had just been through, telling me too that all I needed to do after they got the loan was to make the 3 payments to them for the new loan, which I did and on time. But XXXX still put me through all the hoops and then started sending out statements and modifications that were incorrect, including sending out their notary, that did not sign and or stamp in the correct space. I got a Covid Forbearance and continued to speak with XXXX and had already done a Modification with SLS on the 2nd for the home. That was easy and SLS extended the loan and reduced the payment for me. Then I got paper work from XXXX, I signed the modification and had it notarized and witnessed here in XXXX and put it back in their pre paid envelope and sent it back. I never heard from XXXX. But, they accepted the modification paper work. Some time in XXXX Selene came on the seen, and I was then told that Selene had the loan, Selene took over and made me do all the paper work over for the modification again even thought I told them I had a modification with Shellpoint but none the less once again another pile of docs only this time I spend {$2000.00} with Attorney mortgage Services thinking they might help me. Only to then have Selene turn down my loan. Selene then made demands that I give them {$100000.00} to reinstate the loan of they would foreclose. I continued to try and work with Selene but they won't listen. Then I was told my home was slated for a Sale XX/XX/XXXX foreclosure. I spent XXXX; XXXX on XX/XX/XXXX with XXXX XXXX ( badge # XXXX ) on the phone and he located the modification given to me by XXXX. Selene had already admitted that they would have to honor any agreement given by XXXX to XXXX and then XXXX given to them. XXXX gave the modification to his boss, on that day and I discovered on XX/XX/XXXX that they started to work on the paper work for my modification. I tried calling and showing Selene 's Insurance department that I have insurance but they just ignore me. Same as XXXX did and the force put insurance on my home. Under the Covid forbearance law, I believe that there are not to be any added penalties etc. on loans during this period. Yet Selene and XXXX have done both. XXXX refused to give me a copy of my modification when I called them, and when I call Selene all I get is the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2020, I was alerted to a change in my credit score. I saw Santander Consumer USA, via XXXX, checked my credit report, without me contacting them prior. On XX/XX/2020, I called the company 's ' support line ; however, the company would not accept my calls, since I wasn't a customer. Basically, all options from the robotic call center were for customers, and I could not get in contact with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I lost my home through foreclosure because Wells Fargo would not refinance me with the loan modification program during the time I needed it I believe this was purposely done to make me lose my house and is part of the lawsuit against Wells Fargo. I would like help getting resolution from Wells Fargo for forcing me to foreclosure when I should have been able to save my home. They tried to force me to remove my ex wife from the mortgage before refinancing and she wouldn't sign so they wouldn't refinance.

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 2022-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022, I received an email from XXXX XXXX notifying me that my Income Tax Refund had been deposited into my bank account and to wait 1-3 business days for it to reflect. 

On XX/XX/2022, I received notice via email that my account with Bank of America had been closed. I followed up with a phone call to gather more information about my account being closed to no avail. I was informed by the representative that my account was closed and that Bank of America has made a business decision to end their relationship with me. I was informed that any pending deposits will be mailed in the form of a check to my home address. 

On XX/XX/2022, I called Bank of America to ask if they had mailed my check and was informed that my account had not been closed. My balance was significantly less than what was deposited on XX/XX/2022. I did not have access to my account as the log in was suspended. When attempting to call the XXXX assistance, I am informed that my account is not an active account number. Bank of America withheld access to my funds, in addition to banking statements, subsequently, missing numerous payments due to the delayed account closure. 

There were a number of withdrawals that were posted after my final pending transaction posted. I believe Bank of America is contractually obligated to pay the difference of those withdrawals as my account 's closure date was XX/XX/2022. I still have not received bank statements from BOA.

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