BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently received a copy of my ( XXXX, XXXX, and Transunion ) consumer report, and I noticed that it is reporting my experience with this company.

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 2023-10-02
Company: Experian Information Solutions Inc.
State: NJ
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, has violated my rights. 

15 U.S.C. 1681 A states I have a right to privacy.

15 U.S.C. 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. 

I requested this account to be updated over 2 months ago and have been ignored by the reporting agency. Please help 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 explanation
Consumer complaint received 2018-09-05
Company: Navient Solutions, LLC.
State: VA
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:
1-created obstacles to repayment by providing bad information 2-told not to consolidate loans in order to keep me in higher interest plan 3-improperly directed into interest only payments and forbearance over and over again 4-loans paid off still showing as open on credit report 5-customer service repeatedly unhelpful and unwilling to escalate problems. 

overall i have been mislead about my repayment options, making it more difficult and expensive than necessary to repay my loans

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've been receiving repeated calls at my place of employment from these people at these telephone numbers : XXXX XXXX at ( XXXX ) XXXX and an unknown male at ( XXXX ) XXXX. Both have been advised by my employer that they are calling my place of work and that it is not appropriate for them to do so but they continue to call anyway. My first notification of such calls came by email from my boss ' assistant on XX/XX/19 and the second on XX/XX/19. On XX/XX/19 in the space of a two-hour period I received a series of calls at my direct line at my desk from the XXXX number as well as these additional numbers which I can only surmise are robocalls : ( XXXX ) XXXX ; ( XXXX ) XXXX : ( XXXX ) XXXX ; and ( XXXX ) XXXX. This all occurred despite my employer specifically saying to the callers at the XXXX and XXXX numbers that it is not appropriate for them to call me at work about personal matters. Based on a XXXX search, I believe the calls are originating from XXXX XXXX on behalf of American Express. I have attached the email thread from my boss ' assistant to me on each date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX Santander Consumer USA settled a multi-state law suit in regards to lending practices for car loans provided to consumers between the years of XXXX to XXXX. This settlement affected 34 states including Georgia. Part of that agreement provided relief for consumer who received loans during that period and Santander Consumer USA and its associated companies Chrysler Capital and XXXX XXXX agreed to the following conditions : Santander will pay {$65.00} million to the 34 participating states for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX, Santander is required to allow them to keep their car and waive any loan balance, up to a total value of {$45.00} million in loan forgiveness, and Santander will also pay up to {$2.00} million for the settlement administrator who will administer restitution claims, and pay an additional {$5.00} million to the states. The settlement also includes significant consumer relief by way of loan forgiveness. In all, Santander has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} million in immediate forgiveness of loans still owned by Santander, and additional deficiency waivers of loans that Santander no longer owns but is required to attempt to buy back. My home state of Georgia is apart of this settlement and I was notified about the settlement by the Attorney General of my state. I was informed to contact Santander Consumer USA. in regards to the settlement. After contact Santander, XXXX XXXX, and Chrysler Capital they informed me to that they were not aware of a settlement and if I had a problem it needs to be disputed through the credit bureaus. I filed a dispute with all three bureaus and instead of investigation the issues Santander and its other companies added additional negative remarks to my accounts which impacted my credit scores which was opposite of what the law suit stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a direct response to a letter I received from Chase Bank 's fraud department. The letter was dated XX/XX/2021, but I received the letter in the mail yesterday. This letter says that they need my ID and the Identity theft report I completed online at IdentityTheft.gov I am filing a complaint, so I can keep a proper paper trail of my communication for Chase Bank 's fraud department as this has been ongoing for 4 months now, having sent my original letter XX/XX/2021 and today 's date - XX/XX/2021. I want to assure timely response from Chase Bank 's Fraud department while I continue to protect myself from future identity theft. Please see the documents you requested attached. 

" Subject : Action Needed : We need more information from you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
After reviewing my credit report, I learned that there are some accounts that are not mine, nor are some of the addresses I have lived out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Enhanced Recovery Company , LLC at XXXX XXXX XXXX XXXX, FL XXXX has been sending me collection notices in the amount of {$3000.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract bearing my signature nor did I authorize for any service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with Bayview Loan Servicing loan number was XXXX. I requested information from them in reguards to the payment history that is reporting on my credit file. The bureaus are not reporting the full history and I believe it to be past the statute of limitations. I requested the full payment history from Bayview since the bureaus are not reporting it and what they sent was only an acknowledgement letter. I never received any type of payment history to match with what they are sending the the bureaus. I have attached a copy of the letter where they indicated that the proposed resoultion would be by XX/XX/2020 or if additional time was needed they would send me notice of that as well. I did not receive anything other than what was attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The vehicle was repossessed on XXXX XXXX, at that time the loan balance & repo fees was {$16000.00} ( based on my online account ) and was sold at auction on XX/XX/2020 for {$19000.00}. 
The amounts on the " Explanation of Calculation of Surplus or Deficiency '' letter dated XX/XX/2020 stated the aggregate balance as {$17000.00} ( which is incorrect ). I brought this to the attention of numerous customer service representatives until I finally spoke with XXXX in the Executive office of Santander Consumer USA on XX/XX/2020 she agreed the amount was incorrect and she was requesting a check to be issued in the amount of {$350.00} the difference owed to me. I do not understand how a large company can make such accounting mistakes, unless they do it intentionally. As of today I still have not received a check. I called Monday and requested a manager in the Executive Office and was told I would get a call back. Today I received a call from one of the representatives from the Executive Office her name is XXXX stating a manager approved a refund in the amount of {$260.00}??? She said the sale amount was incorrect on the original letter it should have been {$19000.00}. I can not believe they run a company like this, they are so dishonest. I should have received a letter this was the first mention of it. So, I advised her that was not acceptable. Her response was she would speak to a manager and see if they would approve the {$350.00} but she could not guarantee anything. 
I have been calling every other week requesting the initial refund check, then the Warranty refund, they do not like to give you back what is owed you, now, here we are in XXXX and I am still dealing with this situation with no resolution. They are thieves!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have the phone app of XX/XX/XXXX on my phone which give 3 of the creditor businesses appearance.XX/XX/XXXX and Transunion have it down on the app that i am delinquent with XXXX XXXX even though the account has been closed, i have tried to go into those 2 and correct it with the dispute but conveniently they have it where you can not do so. I have never been delinquent with XXXX XXXX and do not even want them on my reports, period! I am fed up with these businesses deliberately posting lies and statements for people XXXX XX/XX/XXXX XXXX like XXXX XXXX who throw a temper tantrum over a customer who has had enough of they're acting out behavior of preschool. Photos attached

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 2022-06-10
Company: GOLDMAN SACHS BANK USA
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:
Hard credit pulled from Goldman Sachs XX/XX/2022. I have not applied for any additional credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital one lowered my credit limit amount to balance of credit card based on miss applied credit card payment. My credit score has been effected because capital one decision to mis represent when payment was made. Furthermore this is a credit card that belongs to the XXXX business corporation and capital one is reporting in an adverse limits to my personal consumer report. The decision that capital one has made based on adverse reporting of payment is causing Irreparable damage to my score. This needs negative narrative needs to be removed and credit increased to normal limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: CAVALRY INVESTMENTS, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX was served with summons dated XX/XX/XXXX to General Sessions Court in XXXX county, TN for lawsuit for past due XXXX credit card balance. The court date was XX/XX/XXXX. I spoke with their office in XXXX XXXX, XXXX before the court date and explained I knew about the debt, my situation/ or the reason I had not made any payments since XXXX that I was unemployed, lived in a rural area with no access to public transportaion and a car that needed an engine replaced. I told them I did not have the money to pay them and would pay when I could. When I asked for a continuance to have time to prepare for court, they would not allow me to obtain a continuance, they told me I would only lose and they only wanted a judgement and that it would last ten years. Since I only had five days to prepare, I was unable to arrange transportation and consequently did not appear in court. They got a judgement for {$1100.00}. the credit card balance was {$600.00} max and late fees that totaled the {$1100.00}. The attorney representing them is XXXX, XXXX, XXXX XXXX XXXX XXXX, debt collection firm. On XX/XX/XXXX I received a notice from their firm stating they were forwarding a certified copy of the judgement for the case to the register of deeds to place a lien against my primary place of residence. The document does not state the balance of the debt for the lien. I have never had a lien and was concerned about the amount of money they required. Because the letter did not state the total amount to satisfy the debt/judgemnt I proceeded to check the court records to confirm the amount and also contact the law firm about the matter. I told them I wanted to set up payments and spoke with XXXX who proceeded to firmly ask me questions about whether I had a mortgage or not. I asked hiim to explain their policy for setting up payments but he kept trying to ask more questions about my house. I am a senior citizen receiving public assistance. I told him my cell phone is a goverment issued life line phone with 300 minutes a month, because he wanted to call me on my cell phone. He proceeded to try to explain the process to make payments but never really did, and was indignant because I would not answer his questions about my situation. I told him I had been unemployed for ten years and was receiving SSA when I set up the credit card account. I told him I no longer received those benefits and that was why the payments were late. He was rude and hung up the phone before answering my concern about how to set up payments. XXXX XXXX I don't know if anything illegal happened but do question why the law firm did not reflect the balance owed for the lien on the mail piece I received on XX/XX/XXXX. It was very intimidating and the phone conversation was intimidating as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX fraud alert was made to Wells Fargo in my account, ALL transactions were pending so Wells Fargo could not cancel/stop/help XX/XX/XXXX account was hacked- money stolen via XXXX XXXX XXXX the Hacker was able to also make mobile deposits via 2 checks - one for {$1500.00} another for {$400.00}, at which time wells Fargo flagged the checks, while pending the positive check deposit in my account the hacker was allowed to access funds IMMEDIATELY AND SELF PAY VIA XXXX {$400.00}, to a XXXX XXXX- The bank was NOTIFIED IMMEDIATELY of fraud activity XX/XX/XXXX all while pending and cleared XX/XX/XXXX funds were GONE- Wells Fargo denied the XXXX {$400.00}. Due to being verified via Token method but hackers were able to gain FULL ACCOUNT ACCESS BY logging on making/sending these transactions all simultaneously one after another!! WELLS FARGO will still not provide a clear answer to allowing this fraud to happen or refund my money- this is unacceptable and my money was stolen!! Wells Fargo PLEASE return my money ..THIS IS MY MONEY YOU allowed to be taken!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My due date was changed last year and I have tried since about last XXXX to get the date changed to a later date due to only receiving one check a month and they have not changed it yet they are attempting to charge late fees how to fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: BROKER SOLUTIONS, INC.
State: CT
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 credit report and have seen multiple hard inquiries that have severely impacted my credit score. I shopped for a mortgage back in XXXX or 2019. I do not believe the multiple hard inquiries should affect my score because they were all for the same reason and should be grouped together. Recently, I traded in my vehicle and purchased a second vehicle. I authorized the dealers to run my credit report to find me a good rate to finance those new vehicles. I was surprised to so my credit score decreased drastically since XXXX of 2019. 
I also saw that a mortgage company recently made an unauthorized inquiry on my report. I am no longer in the market for a mortgage and would have no reason for a company to do so. 
My complaint is that these hard inquiries have so negatively affected my credit score. Some were authorized for specific purchases but those should be grouped together. And, I have some unauthorized inquiries that certainly should not affect my credit score. 
Looking at my credit history you can see that I have not missed a payment in over 150 months and my credit was very good until these events. 
I hope someone can research my credit history and correct any and all negative events on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On early XX/XX/XXXX, I applied for Gold Delta SkyMiles® Credit Card, when I signed up, American express gave me the offer that promised me I would get XXXX bonus miles after making $XXXX purchase with the card. However, within 3 months I already spent over $XXXX. When I asked American Express when can I get my XXXX  miles rewards, they refused to give me. It was my first time to apply for the American Express Delta credit card, and I have never had the same card before. American Express never give me a reason why I am not eligible for the welcome bonus offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: PENTAGON FEDERAL CREDIT UNION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought my house in XX/XX/XXXX. Penfed Credit Union took over the mortgage in XX/XX/XXXX. 

In XXXX, XXXX, I received a delinquint city tax bill from my City. This is strange because I see tax payments from my escrow account at Penfed. 

On XX/XX/XXXX, I called Penfed to figure out what is happening. I spoke with XXXX, who told me to email a copy of my delinquint bill. There was no email confirmation and I received no contact. 
On XX/XX/XXXX, I called again to verify that the documents have been received, spoke with XXXX again, who told me that the documents have been received. 

No contact. 

On XX/XX/XXXX, I called again to see if there are any updates. The woman I spoke with told me that XXXX was not the right person to speak with, and to email the delinquint bill again. Also, I was told that the " appropriate department '' is working on it and that someone from that department will be contacting me. 

No one has ever contact me by calling, which I requested every time. The only email communication I receive is either none, or an automated email response. 

On XX/XX/XXXX I call again and finally learn that PenFed has been paying my escrow to the wrong property since the beginning of the loan. In total they've paid out around XXXX $ XXXX for someone else 's property. 

After finding this out, Penfed decided to pay all the delinquint taxes to the City plus the late fees, and changed my escrow balance to negative XXXX XXXX dollars. ( - $ XXXX ). 

I send another email on ( XX/XX/XXXX ) asking what has happened to my escrow balance, and a detailed report on how I can get my money back, plus reduce my monthly mortgage payment, and once again receive no answer back. 

On XX/XX/XXXX I call again, and this time, was told that they are researching and they will ask someone in the escrow department to contact me. 

I make it clear that I am forced to pay over $ XXXX a year in escrow just to cover Penfed 's mistake. This is way higher than what I legally owe. It is destroying my finances and if I don't make this payment I will get a penalties and late payments. 

Penfed does not care, $ XXXX is small to them, but it is an incredibly large amount to me. I keep on calling and calling and no one really seems to care.

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