BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-04
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a
seriously unfavorable relation to my personal ability to obtain a present loan application. I
highly recommend you generate verification that Credit Union has been reported
completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied to AES ( American Education Service ) for Covid-19 relief and was told that my two federal loans were not eligible for interest free forbearance as stated by the CARES act as signed into law by President Trump. 
I noticed primarily that in order top even apply, I had to spend over a half hour just to find the application page ; furthermore, the forbearance was only applicable for 3 months instead of 6 as the relief act states. 
I called and asked about the issues and was told that : 1 ) my loans were not eligible for the 6 month forbearance ( I have 2 federal loans listed ) 2 ) also, my interest during forbearance would continue to accrue during this period and just that the interest would not be capitalized at the end of the forbearance. 

I don't believe that is intent of the Covid-19 relief act and honestly is not really relief. I know others whos servicers are doing completely opposite with the same type loan which is no payment until XXXX and no interest during this time. 

Please look into auditing and addressing this with AES as they are not obeying Presidential mandate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We applied for a residential mortgage on XX/XX/2017 directly with Quicken loans We locked the rate in at 4.375. My co applicant was the main point of contact and over the course of 90 days, she expressed frustration on the lack of response, confusion over fees which changed constantly I took over as the main contact in XX/XX/XXXX, identified what I perceived as the fees disclosed from the various disclosures and an assurance that we would close by the next rate lock of XX/XX/2017. I was told that everything was in place and no problem going forward. The process moved from person to person with a complete lack of timeline. The XX/XX/XXXX rate lock passed despite earlier assurances to the contrary. XXXX was told that there would be no problem with the rate lock being extended at no cost. We received a disclosure dated XX/XX/XXXX which was agreeable. 
The process continued to drag and when the final numbers were put to us, the closing costs were XXXX compared to the XX/XX/XXXX disclosure of {$3500.00} in closing costs after a constant flipping between the discount rate and the credits back to us. This is a difference of {$700.00}. The responses back from Quicken/XXXX XXXX were unbelievable " I would be upset if I was in your place ''. " There is nothing that you did wrong ''. " This is as good as it gets ". At my insistence on speaking to his supervisor, I was told " You can but it wo n't do you any good '' XXXX supervisor XXXX XXXX gave me the same message " There are no more credits to give '' Since the rate lock was coming up again and the appraisal was due to expire, we reluctantly proceeded to closing and signed the papers as is. 

When I reviewed the documents, Quicken had put both of us on the Deed of Trust despite our agreement that I would only be on the loan and not the property. When I questioned this with a Quicken " title expert '' XXXX XXXX, I was told that the deed only affected the loan and not the property. Wrong! 

Now I am having to employ an attorney to prepare a quit claim deed and have it recorded and pay a transfer tax ( as well as legal fees ) in order to remove my name from the property. I am damaged in that by paying {$700.00} more in fees, there was less cash disbursed to me and now my co applicant has to pay me that cash out of her pocket. Overall I feel that we were deceived and having to pay additional fees. I have no doubt that Quicken wanted this loan to go away because the rate was under market and at no time did I feel that they were making the process clear and helping us close the loan. I am a banker and know what I am doing so I hate to think what an unsuspecting lay person would be subjected to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-02
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In XX/XX/2022, I inform all three credit bureaus ( XXXX, Experian, and XXXX XXXX XXXX incorrect inquiries that were put on my credit report without my authorization. The agency never looked into the investigation and kept the inquiries on my credit file without my authorization, Nor do I have accounts with the inquiries in question. All of the inquiries that were made in XXXX are in accurate. I am working very hard on my credit to improve it and I have tried my best not to have any inquiries on my credit report that werent already there before XX/XX/2022. I did not authorize those inquiries in the month of XX/XX/2022 at all and It is a violation of my rights as a consumer to report inaccurate information. The agency did not take the time to investigate this matter and I am requesting validation with my signed signature that I authorize this information to be reporting on my credit file.

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 2020-04-09
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD
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:
I purchased a XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX XXXX in XXXX XXXX, MD and was financed through Prestige ( XXXX XXXX XXXX XXXX, XXXX, UT XXXX ) in the amount of {$27000.00} when the car was 4 years old. XX/XX/XXXX I started having major mechanical troubles spending close to {$3000.00} to repair. After having all of the repairs done the car would still cut off while driving so I decided to try to trade the car in XX/XX/XXXX. When I went to the XXXX dealer the finance manager who assisted me told me that the car wasn't even worth {$5000.00} and reviewed my payments for the car and stated as of XX/XX/XXXX I have made over {$30000.00} in payments and with my 72 month loan the car should be paid off or close to being paid off. At that time my credit report indicated that I had already made 65 payments and documented once in XXXX that I had a payment over 30 days late. My payments were supposed to be {$590.00} a month. However, my account manager XXXX XXXX allowed me to make payments in the amount of {$540.00} a month plus a {$10.00} processing fee to bring my payments to {$550.00} a month. The finance manager who was helping get into the new car stated that I still had over a {$14000.00} balance which is an indication of predatory lending. He advised me that it would be in my best interest to request all of my original loan documents along with a break down of where the payments are going because he felt my interest rate had to be over 24 % which means the payments are going mostly to the bank and not the loan. He indicated that I would actually never really pay off the loan. I went ahead and purchased the new car because I needed a reliable car for my kids and I. On XX/XX/XXXX I sent a letter to prestige auto requesting they pick up the XXXX XXXX ( voluntary repo ), send me the original loan documents, and a break down of payments made so far so I can have my loan investigated. I also, asked if we could come up with a FAIR settlement because the car wasn't worth {$14000.00} and I had already paid over {$30000.00}. The finance manager stated with his calculations even with late payments and deferments I still would not owe over {$14000.00}. My 1st request was sent on XX/XX/XXXX to no avail. They finally picked up the car on XX/XX/XXXX. I sent a 2nd request on XX/XX/XXXX to follow up on my document request but to no avail. I sent both request via priority mail so I do have confirmation that both letters were delivered. I mailed everything to the P.O box address that they have listed for written correspondence. 

I requested everything sent through the mail. I do have standing cease and desist request placed on my file because they have harassing collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My lender is Select Portfolio Servicing. And, not by choice! My loan was sold to them by XXXX XXXX XXXX a year and half ago. Its been XXXX ever since! 
I had XXXX messages from my Relationship Manager so I called back SPS. While I am waiting for a human being to pick up, the recording is giving me the latest update on the status of my account. It starts off with " your forbearance payment of $ XXXX was received on XXXX XXXX, 2015. Your next forbearance payment of $ XXXX is due on XXXX XXXX, 2015 ''. 
I was shocked and horrified! I am NOT in default on my loan payments and yet, according to this account update from SPS, I am! When I do get XXXX ( relationship manager team ) on the line, I ask her about this. Mind you, this conversation is being recorded. I say, good! We will need the proof! XXXX starts off by telling me that I am confused! She says I am paid up ahead and that my next payment is not till XXXX 2015 ; further that since I paid extra, the XXXX amount is that much less. 
So, I ask her what happened to my XXXX payment that I made -- -on time, mind you. I get silence! Then XXXX insists that I am paid up ahead and that my payment was applied to XXXX 2015. Again, I question this statement and action on the part of SPS because I paid for XXXX 2015, on time. Finally, XXXX says that my XXXX payment triggered the Trial Loan Modification that I was approved for. 
Yet again, I am shocked and not a little terrified! Because, from what XXXX of SPS is telling me is that SPS took my XX/XX/XXXX-on-time payment, applied it to XXXX thereby forcing me to be in default!!!!!! Further XXXX is telling me that the Trial Loan Mod that should not have been triggered except by MY payment of their required amount by XXXX XXXX, 2015 was triggered by my XXXX payment! Even though the correspondence from SPS clearly indicates that the trial loan mod would only be triggered by my payment of $ XXXX by XXXX XXXX, 2015! 
So, I want CFPB 's help with this problem with SPS. SPS is operating outside the law and has committed FRAUD. What they did by forcing me to be in default when I am not is ILLEGAL!!!!! 
I would appreciate guidance as to what my options are in this case where my lender is corrupt and committing illegal acts as well as fraud with the mortgage loans that they service. 
Thank you in advance for your help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-28
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt does not belong to me I ver had a card from WALMART

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 2020-04-13
Company: Real Time Group, Inc.
State: MN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been in medical care since 2017 and made payments to XXXX. I had a payee making payments. I never received any statements after a certain date and payments stopped. I started to get payment vouchers recently that I know of and did not know where they were coming from and what they were about. I did not understand when I went to credit report it said something about XXXX and bankruptcy. I recently wanted to refinance my home to take care of many medical bills that I have from the past 3 years and found out the loan has not been paid but it does not have the name of the company on it that is sending me the account statements. I will be calling them now but do not know what to believe or not. The company which I am receiving the account summary from is real Time Resolutions out of XXXX Texas. If you have any answers, I would appreciate them. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: Westlake Services, LLC
State: NY
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:
XX/XX/XXXX I bought a used car from a Dealer in New York called XXXX XXXX ( XXXX XXXX ) and it was financed through Westlake Financial with head office located in California. After I took the car home, I found out there were multiple issues and we started going back and forth which resulted in Arbitration under New York XXXX XXXX. New York State Arbitrator ( Attorney General Office ) told the dealer to refund us our Money in XX/XX/XXXX and send us copy of the documents to mail the dealer confirming the refund. Towards the end of XXXX going towards XXXX, New York State was hit by the coronavirus virus so I had to wait until XXXX to drop the defective car off. I reached out to Westlake Financials and sent them copy of the New York XXXX XXXX in regards to the XXXX XXXX Case with the car and they confirm receipt. I also told them the dealer is suppose to pick up the car and refund us our money and also refund the balance to Westlake. I called Westlake Financial over 20 times and sent multiple emails letting them know the car no longer a belong s to me and they didnt respond. I was told they can not speak with me and they will speak to New York State who is representing me. I got a notification saying Westlake reported my car on my credit was delinquent and past due. I reached out to westlake and they told em theres nothing they can do and I cant speak to anyone. I also searched online and send emails to multiple departments and executives at westlake about the issue and no one responded. The dealer also mentioned that they are working with Westlake. The dealer has the car and we still havent gotten our refund and Westlake is being unresponsive. I also file a dispute with credit bureaus against Westlake and westlake reported that the information was accurate and that Im past due and delinquent which is not affecting my report tremendously.

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 2020-04-09
Company: I.C. System, 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:
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

Furthermore, this company DID NOT AND CAN NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2016-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
A Bank of America employe stole my money. I had a XXXX in there. I have been calling for 4 1/2 years and nothing is getting done. They closed my account without my permission. I want my money bank and want to file a law suit.

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
Consumer complaint received 2022-05-06
Company: SYNCHRONY FINANCIAL
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:
I did not authorize these inquires into my credit. I called these companies and they said that they can not help me. 

Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Miscellaneous and public record Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX & XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address po box XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address po box XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automotive Contact info Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Home Furnishing Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # : 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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: Account information incorrect

Complaint:
I have been sued by XXXX XXXX XXXX and set up payment arrangements with the firm how is it still showing up on my credit report as negative.

Company response to consumer: Closed with non-monetary relief