BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-26
Company: Prosper Marketplace, Inc.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XXXX GOT CALL FROM A XXXX XXXX OFFER ME A LOAN FOR XXXX GAVE ME ACOUNT NUMBER XX/XX/XXXX PHONE XXXX TO HIS MANAGER XXXX XXXX XXXX HE CALLED ME BACK XX/XX/20 SAID TO SET UP XXXX  XXXX ACCOUNT TO DEPOSIT XXXX FIRST PAYMENT AS I WAS NEW FOR THE APPROVAL SEND ME A CONTACT WAS LACKING A LOT OF DETAILS AND SAID THE LOAN WOULD BE IN MY ACCOUNT, SAID THERE WAS PROBLEM WITH MY ACCOUNT ON MY BANK THERE NO PROBLEM HE DID NOT DO THE DEPOSIT WAS THE PROBLEM. HE SAID THAT THE LOAN WAS A TAX AS HE IS IN NEW YORK I AM IN KY THERE IS A XXXX TAX SENT XXXX AND XXXX XXXX FEE TO GET MY XXXX BACK THEN SAID THAT WIRE XXXX THAT THE TRANSATION ON XXXX XXXX WAS XXXX THEN TOLD HIM FORGET THE XXXX AND HE SAID JUST PAY XXXX AND WILL DO THE DEPOSIT AFTER PAYING XXXX WAS NOT GOING TO PAY ANOTHER DIME AND REFUSING A REFUND THAT DID WANT THE LOAN. HE IS LIED AND DP WANT HIS LOAN NEED TO REFUND ME HE HAS LIED TO ME AND THE CONTRACT IS LACKING IN DETAIL

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 2020-11-27
Company: SYNCHRONY FINANCIAL
State: FL
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:
On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.

On XX/XX/2019, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX.

On XX/XX/2019, SYNCB/PAYPAL add a hard inquiry on my credit report per 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 2023-03-04
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: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX  Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX I was late paying my phone bill and as a result my bill was tuned off. The phone company XXXX XXXX XXXX never informed me that thy were sending me to a collection agency nor did the collection agency, Enhanced Recovery Company, ever contact me. I only discovered it was sent to collections when pulling up my credit report. I paid it off. Also, after paying they have reported this account has not been paid in full which is inaccurate. My dispute is with notification with XXXX XXXX XXXX and ERC and the false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Santander Consumer USA stated I am not in there system and they are not sure why I CONTACTED THEM SINCE THE DEBT IS SOLD. THIS NEEDS TO BE REMOVED FROM MY CREDIT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
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 received notifications that several inquiries were reported to my credit file that i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: SUNTRUST BANKS, INC.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
on X/XX/2017, i personally went into suntrust branch at XXXX, TN to open a business account with my ID, they told me i qualified for a promotion of {$200.00} bonus if deposit XXXX total within 30 days ( which i did, you can see from statement attached ), shortly after, i received my debit card and bank statement, without anyone notifying me or give me courtsey phone call or email, suntrust claimed fraud issue and closed my account, it caused me stress and inconvenience, not mentioning i wasted 1 hour at the branch epening the account. When i contacted suntrust for an explaination, they said they can not tell me reason but said decision is final. While i understand suntrust has the right to close my account, i do not appreciate the lacking of common courtsey calling me to let me know. This was my 1st time ever with suntrust, and poor customer service left a bad taste. I wont recommend them to anyone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: IL
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 XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed : XXXX XXXX  XXXX  XXXX Balance Owed : {$90000.00} XXXX XXXX XXXX Balance Owed : {$32.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$3800.00} XXXX XXXX XXXX Balance Owed : {$5300.00}

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 2020-01-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX produced a fraudulent ex parte probate order with a fraudulent signature from a criminal court judge to the bank in order to steal XXXX left to my brother and i in a pay on death account. XXXX works for XXXX, XXXX, XXXX XXXX XXXX in XXXX, ca In 2005 XXXX was suspended by the california bar assosiation for the same pattern of theft

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 2021-02-01
Company: Williams & Fudge, Inc
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Williams and Fudge from phone number XXXX XXXX XXXX have tried to contact me on a recorded line. They would not initially disclose who they were and have still not disclosed what they are looking for from me. I have no debts currently. I suspect that this is some kind of fraudulent attempt at stealing from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Experian Information Solutions Inc.
State: AL
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:
On XX/XX/2021 I sent disputes to Experian and they were certified mail, someone signed for these documents on XX/XX/2021 at XXXX pm with tracking number XXXX and I received no update nor response to the letters that were signed for. Then on XX/XX/XXXX I resent the letters via certified mail and it was signed for on XX/XX/2021 with tracking number XXXX at XXXX and I have yet to receive any results or even that its been investigated. I would like all that information on those letters permanently deleted from my reports. The laws put in place by the FCRA state that I have the right to challenge inaccurate information and Experian signed for my information and failed to respond its been well over 90 days, at this point I will be also suing Experian for not complying with the law as it pertains to FCRA. This time of treatment is unacceptable and a poor stall tactic on Experians behalf.

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 2020-10-13
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
To whom this may concern, The loan was being serviced by SLS should of been released due to bankruptcy and we have requested several lien release documents now. The loan which was satisfied/discharged over 10 years ago never had a lien release filed and the property still has the lien on it. We have written and spoken to SLS several times and were forced to pursued legal action after threats & harassment of foreclosure which started recently ( after 10 years of silence ). We were told the lien remained valid and they sent at least 1 letter a day threatening foreclosure with collection attempts including an illegal amount of interest and fees. The Balance they claimed owed was close to {$60000.00} and they added over {$120000.00} in interest, attempting to collect {$180000.00} or foreclosure. We were forced to pursue legal action and obtained a signed court order removing the lien from this property. We sent ANOTHER OWR for a letter of lien release and/or acknowledgement of the court order and have yet to receive a response. 10 years, we've heard nothing until we reach out to them and all of a sudden endless threatening letters. This is our second CFPB complaint, the first one they challenged and since we've gone to court to prove they are wrong. 

We are disappointed with the communication and service received by Specialized Loan Servicing. Its obvious the company bullys the customer by their attempts to collect a debt 10 years after it was discharged, they never reached out prior to our communication in XXXX. In a global pandemic, they started harassing a XXXX veteran of our country and threatening foreclosure on his home after nearly 10 years of no communication 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 explanation
Consumer complaint received 2023-01-09
Company: Maximus Education, LLC dba Aidvantage
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I applied for a refund of {$10000.00} for student loan payments made during the XXXX payment pause in XXXX, XXXX. At the time, my loan servicer was XXXX. I followed up with XXXX multiple times in the months of XXXX and XXXX and was told my application was pending. In late XXXX, XXXX I received notification that my loan was being transferred to Aidvantage. I have tried multiple times to register for my account on Aidvantage since then. When attempting to register my account, the Aidvantage system is telling me " account not found ''. I called Aidvantage in XXXX and XX/XX/XXXX and was told that they could not find my account either time. I was told in XXXX that it could be XXXX, XXXX before I received account information. As of today, XX/XX/XXXX, I have not received any correspondence from Aidvantage about my account other than a confirmation that they received a complaint filed. I also am not able to register on the Aidvantage website and still get the " account not found '' message. At this point, I am not sure if my application for a refund is even still active.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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:
Credit bureau reporting incorrect information even after multiple violations of the FCRA and pending litigation. 

Creditor has failed to provide substantiation for their claim of a balance owed on an account closed with a XXXX balance. 

I have provided proof that account XXXX closed with XXXX balance. 

Litigation pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Navient, also known as XXXX XXXX, has repeatedly been unhelpful and predatory against me. In this instance, I only have XXXX XXXX XXXX XXXX with them ( ~ {$5600.00} or so ) and am in a tough financial situation and can not afford to make payments at this time. I am a stay at home mom and DO NOT HAVE AN INCOME. I was making payments around {$90.00} up until a few months ago ( despite not having a job ) but can not afford this any longer. I called them, spoke to the " XXXX '', explained my situation and they DECLINED to help me in any way. I asked if they can lower the payment - their answer was continually " NO '' because they claim it is " under {$100.00} ''. I then asked if they can lower the interest rate ( which is beyond ridiculous at 15.725 % ) and they also said " No ''. Last, they can not grant me forbearance because I have used it in the past. Well, I 've exhausted my options and can not pay. Now they continue to call me, bombard me with emails and I am ready to file a lawsuit if they do n't stop harassing me. This should be illegal and they need to either help students or eliminate this sort of shady business because this is not what education is about. Please have them stop harrassinf me and put this loan into forgiveness because I was defrauded by my school XXXX XXXX XXXX XXXX XXXX XXXX. I am also in contact with the XXXX of Illinois and the XXXX Attorney XXXX regarding these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Fay Servicing, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed a remodification back in XX/XX/XXXX with XXXX XXXX XXXX my payment was $XXXX, everything from principal,interest and escrow was rolled back into the loan.I paid 5 payments of this amount.  Then XXXX XXXX XXXX sold my loan to Fay Servicing based out of XXXX  Illinois, I paid 3 payments to them, on XX/XX/XXXX they raised my payment upto $XXXX,they it was because my escrow account was behind. I can understand a few dollars behind they raised my payment $XXXX a month.  So I asked for proof took them forever to give it to me, but still made no since how I could be behind . I tried to do a remodification with Fay Servicing, I sent the remodification pack to one case manger,they then assign to a new case manger he couldn't find my papers,so I had to sent it again. This happen 4 times, I hired The XXXX XXXX XXXX, they were helping,but it didn't work out with them. My Foreclosure date was XX/XX/XXXX I did get a email from a case manger from Fay Servicing saying they finally got all the paper 2 weeks before that and Foreclosed anyway.  I hired XXXX XXXX, he help me stay in the house until XX/XX/XXXX, that when Fay servicing lawyer, XXXX had all of my stuff put on the street. I filed Civil suit but XXXX bullied into dropping it or they would sue me for $XXXX   in back rent. So I drop,then I found out about this law suit against Fay Servicing. My lawyer said I cant sue them twice, Fay Servicing fraudulenly stole my house. The last case manger I had was XXXX XXXX,he said he had everything he need to review my case, but as to know surprise,when I called for him,they said he no longer work here

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: DISCOVER BANK
State: FL
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:
While checking my credit report, I notice an account from Discover Financial SVCS LLC that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. As of today, they are still reporting negatively on my report. I also sent certified letters to the three credit bureaus, along with my incident report, asking them to verify or remove the negative report on my credit report that Discover Financial SVCS LLC is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My payment is always XXXX dollars a month. I had fraud on it for over XXXX dollars last month to some online gaming. They raised my interest rate and added fees. I told them I was locked put of my account and I was having XXXX on XX/XX/XXXX. They sent a new card. I got and email stating my card was declined and it gives the last 4 digits of the new card. Declined at XXXX. I never activated it and never attempted to use it. Again I called and told them the fraud was coming from inside being the perps mew the 4 digits. I still could not access my account. I just got home from XXXX  XXXX and called them again to unlock my account They put me through sending them my dl picture and harrassed me like I was the criminal. I was told I had to pay XXXX dollars to get my account current! They raised my interest rate due go the fraud and added on on feed. All I wanted to do was pay my XXXX dollars and never use thier card again. Please help me. They would not unlock my account until now but, charged me fees that were unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: Experian Information Solutions Inc.
State: FL
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:
The inquiries in identity theft are not belong to me. I never applied for these company and banks. Please remove all of them as soon as possible.

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 2019-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The inquiries in identity theft are not belong to me. I never applied for these company and banks. Please remove all of them as soon as possible.

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 2023-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
Received " You're Pre-Approved '' email. When I applied, it was denied and caused a hard inquiry on the credit reports.

Company response to consumer: Closed with explanation