BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently checked my TransUnion credit report and noticed several unauthorized inquiries. I immediately called them to have them removed and placed a lock on my file. They failed to assist in removing these unverified inquiries from my report although I expressly told them I did not authorize these inquiries.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is being filed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, currently representing XXXX XXXX XXXX in the Foreclosure Case against her No. XXXX ( Plaintiff : Santander Bank ).

We have been assisting XXXX XXXX   throughout a Loss Mitigation Process as she works diligently to avoid foreclosure and resolve her delinquency. All documents requested by the Servicer ( also the Plaintiff, Santander Bank ) have been provided and it has been confirmed all documents have been received.

Santander Bank is not accepting the format on which XXXX XXXX gets paid. In an effort to assist the Servicer to verify income, we have provided supplemental income proof ( XXXX Employer Letter and Tax Return ). The Servicer refuses to verify income for XXXX XXXX  and they continue to ask for Pay Stubs to be provided in the specific format they request.

XXXX XXXX XXXX has no other way of showing her income. Her employer will not modify their Pay Stub format for a Loss Mitigation Review. We believe it to be in bad faith that Santander is not considering any alternate way of income verification.

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 2020-12-07
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:
Lost wallet and placed a freeze with 3 credit organizations including Experian. 

Found wallet and removed 2 credit freezes on line with no problem. Experian was given all the correct information including the PIN number. 

They were not able to remove on-liner and gave a reference number to call instead. When calling, no live attendant is possible except for " selling. 

Instead of resolving after giving information Social Security number, address, etc. There is no intention to resolve, but to advise you to mail them with numerous amounts of information. Will have to certify letter so they cant say they did not get it. 

In the meantime, they are now sending emails after the online rejection to remove the freeze, to buy their services. 
Also, I cant refinance and take advantage of todays rates because of being held captive by Experian. 
I have a pin, but of no help. 

XXXX  and XXXX was a 2 minute on-line transaction. Experian is abusing the process for personal gain by selling services instead of solving their on-line problems.

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 2020-07-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the following information in my file. I have multiple hard inquiries on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX These items are inaccurate because this was accessed in a fraudulent way. I am requesting that the item be removed to correct the information. 

Enclosed are copies of the removals to supporting my position. Please reinvestigate these matters and delete the disputed items as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Experian Information Solutions Inc.
State: VA
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:
My credit scores have been affected by the derogatory information on my credit file by several creditors. I have never given the creditor permission to report any information to my credit report, the information reported is not updated correctly, and according to the Fair Credit Reporting Acts Section 609 ( a ) ( 1 ) ( a ) I've asked for my original creditors agreement showing my original signature. XXXX has complied but XXXX XXXX and Experian has not followed the laws.

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 2020-11-17
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, my parents told me a letter for Chime was sent to their apartment in Oregon. It is a debit card activation kit with checking account number and routing number. I have never applied for a Chime account and I live in New York now. 
I am not sure if it is an identify theft who used my info to open this account or the company opened an account under my name without permissionits unusual that identity theft to open a checking account and send to my old address. 
I contacted Chime at the same day ( XX/XX/XXXX ) and asked them to close this account via email. They requested me to send my last 4 digits of SSN and image of a government ID. After they received these info from me, they said the account was blocked. But in order to formally close this unauthorized account, they needed me to send the front and back of my ID and a picture that I am holding my ID. I did send that right back but they never get back to me since then. 
I tried to contact them via phone, via email and social media a couple times on the XX/XX/XXXX and XX/XX/XXXX, but no one get back to me about this issue or reply to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/2020 I received a letter from Dovenmuehle Mortgage , Inc. informing me that Dovenmuehle Mortgage company would no longer be servicing my mortgage as of XX/XX/2020 and that another servicing company would be taking over the servicing of my mortgage. All payments prior to that date would be honored, but any payments sent after that date should be sent to new servicing company. I made my XXXX payment to Dovenmuehle. On or about XX/XX/2020 I received a letter of introduction from XXXX XXXX, a DBA for XXXX XXXX  XXXX XXXX as the new servicer ; directing me to their website with a new loan number for my net payment due XX/XX/2020. Just prior to that date, I attempted to establish a online account to make my monthly mortgage payments. I was unable to do that to reasons beyond my understanding. I contacted XXXX XXXX 's customer support and they said that the account was not yet established for online access and directed me to mail a payment to XXXX XXXX at XXXX XXXX XXXX, XXXX, TX, XXXX ; which I did through my bank 's online bill pay system on XX/XX/2020. Payment of {$1700.00} cleared my bank XX/XX/2020. On XX/XX/2020 I received a letter from Dovenmuehle retracting the service transfer and instructing me to make a payment to them for my XXXX payment. I subsequently called today, XX/XX/2020 and they suggest I contact XXXX XXXX to try and get my money back. XXXX XXXX 's customer service states that we have no record of your account, nor payment. I believe this is a direct violation of both parties fiduciary responsibilities and they should both be fined for such incompetence! Not to mention, bend over backwards to find and return my funds and ensure that my credit score does not suffer as a result of their errors!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/XXXX I applied for and was approved for a line of digital credit by PayPal called " PayPal credit ''. The advertisement from PayPal was a 6 month promotional period to pay off any purchase of {$99.00} dollars and up with no interest. I made a purchase that same day online which came to {$110.00} dollars, and it was by a company called XXXX XXXX XXXX XXXX. When I made the purchase I then logged a day after to my PayPal account to check the balance and a message ( included ) that the terms have changed and that regardless of the promotional period of paying the balance in 6 months, a minimum monthly payment would be applied. I did not immediately see any problem with this since a bill for {$15.00} was included and of which I paid. A day later another bill for {$27.00} due for XX/XX/XXXX, and I was a shocked at this because from the disclosure I read before applying to their line of credit was never a mention about this. I was deceived with this erroneous information and today Saturday the XXXX, I called PayPal and spoke to a lady which was adamant I pay {$27.00} for 6 month ( which does not total the {$110.00} of the purchase price using the PayPal line of credit ). This is on top of the {$15.00} I paid for within a mere 24 hrs of making the purchase. I told her 6 months times the randomly {$27.00} selected by PayPal comes to {$160.00} which clearly is including interest charges. She replied that I would " not let that happen because I will pay in full ''. I said of course I will pay in full and will close the account because had I known PayPal was going to be deceitful about information pertaining to their product I would not have applied and risked a credit inquiry going to my credit report records.

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 2017-08-06
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Student loans began at the end of XX/XX/XXXX at {$21000.00}. Throughout the years of the loan I have had high payments, had to take forbearance, and also done income - based repayment. From XX/XX/XXXX til now I have only played off {$1700.00} off principle. It seems like all I pay is intrust, so far {$6600.00}. That comes out to 79.3 % of my payments have been intrust. The intrust vs principle payment is all over the board. From XX/XX/XXXX to XX/XX/XXXX, on an income based plan of {$110.00}, I payed {$320.00} to principle and {$1000.00} to intrust. Then in XX/XX/XXXX the income based plan jumped to {$200.00}. Seems like the loan company wants what 's best for them and not the loan holder. In the end I will be paying on these loans for almost 20 years before they are played off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 48 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 48 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.

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 2020-11-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax violated the Fair Credit Reporting Act. In attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Used Chase Card at a store in XXXX XXXX for {$350.00}. The store rang up other purchases with this card then told me to sign the credits which totaled over XXXX plus exchange rate charges. Notified Chase and sent 42 pages of back up and phone records they turned down helping me get my money back as I had used my chase card to purchase 1 item from this merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting phone calls from American Express for a debt and credit card that belongs to my niece. My niece does not live here, they have been told this and told to stop calling. The person from the company said they got my name off of her credit report somehow, not her account because my name, my address and phone number are not in any way associated with this account. They are divulging her personal information to me which they should not be. They are disturbing my sleep pattern as I work night shift. I feel personally violated as they keep calling me for her debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-05
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient failed to apply my approved borrow defense discharge to my student loans. They also failed to forward the approval letter to XXXX. I was approved for borrower defense on XXXX XXXX. Per the Borrower of Defense the approval letter was sent to Navient on XXXX XXXX. My loans were not completed to be consolidated and switch over to XXXX until XXXX XXXX. Navient did not submit any of my approved information to XXXX so my loans were never discharged due to their negligence. Navient continues to violate my rights .Navient states they no longer service my loan but failed to apply the discharge before it was transferred over and refused to submit paperwork of approval to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: PNC Bank N.A.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have been using the XXXX app for payday advances well now PNC bank will not let me connect to the app. I should have a choice about what apps are blocked. Yes I understand letting me know that it has been accessed but let me make the decision to let it continue or refuse!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
XXXX account was opened in XX/XX/1999. The account has been paid and is closed. When looking at the line item on my credit reports, it has no date listed as to when this account will be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
12 YO VEHICLE COMPANY TAKES ADVANTAGE OF WEARY CONSUMERS INCORRECT BALANCE AND PAYMENT INFORMTION IS BEING REPORTED TO THE CREDIT BUREAU EXORBITANT INTEREST RATE INITIALLY CHARGED AND NOT EXPLAINED PAYMENTS NOT BEING APPLIED CORRECTLY TO THE PRINCIPAL OVERCHARGED FOR AUTOMOBILE FRAUDULENT COMPANY PAYMENT IS {$620.00} ( XXXX APLIED TO PRINCIPAL AND {$360.00} TO INTEREST )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I wrote a check on XX/XX/XXXX. The person I wrote the check to cashed the check using mobile deposit into a XXXX XXXX account. The funds were removed from my Bank of America account. All is good. 
On XX/XX/XXXX the check written on XX/XX/XXXX was mobile deposited again unknown to me. I received my Bank of America statement on XX/XX/XXXX with a subtraction from my Bank of America checking account for the same amount as the check written on XX/XX/XXXX with the description of " FORCE POST DEBIT ''. When I called Bank of America to ask what this was, they explained that the XX/XX/XXXX check had been mobile deposited to XXXX XXXX again, XXXX XXXX honored the check and took the funds out again from my checking account. They said they tried to get the money back from XXXX XXXX, but XXXX XXXX would not give it back (?? ). They said there was nothing they could do about it, that I should go back to the person who deposited it twice and try and get my money back. 
I do not think this is right. Is every check I have written subject to being double ( or multiple times ) deposited and my checking account drained without any consequences to XXXX XXXX or Bank of America?

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 2021-11-01
Company: AG AH LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted my mortgage loan servicer multiple times to inquire about dropping my PMI. 
I sent 2 messages through the website with no response or confirmation that my messages were received. 
I called on XX/XX/21 and spoke to someone on the phone. She let me know she would initiate a request and I would be contacted by someone with details on the process. The next day, XX/XX/21 I received a Borrower-Initiated MI Termination Evaluation Results letter. The letter stated that my LTV is 93.18 %. I emailed back and asked where the LTV percentage comes from. I wanted to know what figures were used to calculate this percentage. I sent another email on XX/XX/21 and XX/XX/21 requesting a response because I had still not received one. I then called on XX/XX/21 and spent 55 minutes on the phone with a representative and then a supervisor. The representative told me the LTV was calculated by taking my original loan amount divided by my unpaid balance. Then she told me it was calculated by taking my original loan amount divided by the value of my home. I stated that the letter I received stated the value of my home had gone up and the calculation was inaccurate. She then transferred me to a supervisor. The supervisor stated that my LTV was calculated my my original loan amount divided by my home 's current value. When I asked him to look at the letter I was sent so we could go over the amounts together he stated he does not have the letter. I asked him if I could speak to someone that did since the woman that transferred me did have the letter. He said I couldn't speak to someone else. He asked me to send them back the letter that they sent me so someone could review it and call me back. I emailed the letter back to the company on the same day. On XXXX sent a more detailed email of what information I was looking for. No response. I sent another email requesting a response on XX/XX/21. No response. I just want someone to review the PMI letter with me. If my LTV is, in fact, calculated by my original loan amount divided by my home value, the percentage is not correct based on the home value ( AVM ) listed in the letter sent to me by the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Radius Global Solutions LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
A past due collection amount showed up on my credit report for {$290.00} from Radius Global Solutions. I have never heard of this company and have never been contacted about any debt.

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