BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-10
Company: Maximus Education, LLC dba Aidvantage
State: MD
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:
On XX/XX/2022, I requested some documents via the aidvantage portal, to furnish to my mortgage lender for my pre approval process. On XX/XX/2022, I received the documentation that indicated my total loan amount and that my monthly payment was XXXX. However, the lender needed to see what my monthly amount would be once my loan is out of deferment. Which is indicated on my credit report, but my loans are in forbearance due to my attendance at a higher educational institution. Instead of communicating via internet, I decided to call on XX/XX/2022 and the representative was able to furnish a letter stating my estimated monthly amount, the loan amount listed on the document was in only {$60.00}, when I currently owe over {$150000.00} in student loans. Of course the mortgage lender refused to accept that documentation because it now shows conflicting information. I called repeatedly called XX/XX/XXXX and XXXX for someone to furnish the same letter, but with accurate figures, but every representative ( approximately 6 ) I spoke with, either I got disconnected or they said I have to wait 15 business days for my NEW application for and IDR plan to be processed. Im frustrated and confused how one was able to produce a letter but the others were not. I was even told they would have their supervisor write the letter and I got disconnected. AND NO ONE called me back after be disconnected. In addition, the representatives try to talk over you, or seem inept or just not trained properly. One had the audacity to tell me I filled out an application wrong, which I did not fill out one with then, it was produced based on the information they collected from me. This servicer is a hot mess and I hate to see how it will be after the XXXX pause is lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: SYNCHRONY FINANCIAL
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2022, Paypal deceptively processed an application and issued a {$3000.00} line of credit for my account. 

This incident occurred while I was attempting to log in to my account on mobile to look something up. On login to the portal, I was immediately presented with a prompt to verify some of my personal information. This appeared at a quick glance to be a compliance related verification prompt, and since I was in a hurry, I did not read the rest of the screen closely. I accidentally continued through the next screen while I was trying to figure out what I was looking at, and then noticed that PayPal was processing a credit application. There was a link on screen to cancel this application, but it was already too late by the time I tried to tap it. The following screen notified me that I had been approved for the credit line and took me to my account.

I have contacted PayPal to close the account immediately, and I am requesting that all inquiries be removed from my report. I am assuming that I will also have to contest these inquiries through all of my individual credit reports.

Regardless of the outcome, I believe that PayPal 's deceptive and predatory lending practices should be investigated. It should not be possible to accidentally apply for a loan this easily, especially when I never even expressed intent or attempted to initiate the process. PayPal is clearly relying on what is called dark UX ( user experience ) patterns, by mixing these links in forms into an essential workflow ( login ).

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 2022-06-09
Company: EQUIFAX, INC.
State: PR
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:
I have spent too much time disputing erroneous information on my credit and the bureaus have not had the responsibility to respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: LoanCare, LLC
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
LoanCare Attn : Credit Bureau XXXX XXXX XXXX XXXX  XXXX, VA XXXX Tuesday, XX/XX/XXXX To Whom It May Concern, This letter serves as a request to have the missed mortgage payment note/line removed from our credit report. In XXXX of XXXX and again in XXXX of XXXX, our bank account balance did not exceed the scheduled mortgage payment amount and the payment ( Im unsure which one got flagged ) was missed. We are in the process of catching up on this and as of Friday, XX/XX/XXXX, the account will be caught up. 

The way our Credit Union displays transactions, I was unaware that there were any issues in XXXX and XXXX, as all four payments showed up as - {$1000.00} on my bank statements. What we didnt realize is that those actually didnt come out of the account. 

As our records show, since we bought our first home in XXXX of XXXX, we have never missed a mortgage payment. This is a hiccup in the process. Additionally, LoanCare payments that we schedule on Fridays ( payday ) are being pulled 5+ days later from our credit union. For a family living paycheck to paycheck as to pay down debt, this makes budgeting very tricky. Were hoping this is an issue we do not encounter in the future and look forward to a speedy resolution. 

Please do not hesitate to reach out with any questions. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX 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 2022-12-10
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony Bank deceptive third party lending!!! 

I recently bought a mattress from XXXX XXXX using their financing option. They use a third party lender, Synchrony Bank. The financing paperwork is about one or two paragraphs long and doesn't go into detail. 

Without my permission, they opened a credit card account with a negative balance and sent me a credit card. My credit took a sizeable hit because of this and without my consent. 

Synchrony will not accept a debit card as payment unless you call them. They make it very hard to talk to a person which is the only way they accept a debit card. 

Their " customer service '' representatives aggressively push you to activate the credit card they sent you. 

They also require monthly payments ... even if your are ahead on your payments. That was never disclosed before the purchase either. 

In my view, this is a deceptive and predatory practice that needs to be stopped. This takes advantage of the most vulnerable that don't understand how credit works. How many people have negative life outcomes because they can't afford a large purchase and get taken advantage of by these loan sharks? I refuse to believe this is legal.

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 2022-09-28
Company: Risecredit, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am in the process of fixing my credit from fraudulent transactions. I spoke to XXXX XXXX at RISE Credit and disputed a charge off of a debt that went to a collection agency without my knowledge. After checking XXXX XXXX and XXXX I noticed that a loan had negatively impacted my credit. That is what sparked the initiative to ask and resolve the issues surrounding this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: AES/PHEAA
State: IL
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:
To whom it may concern : I am a federally protected consumer and I am writing this complaint myself. I have been attempting to resolve my concerns with Fed Loan Servicing since XX/XX/XXXX and have not received the requested documents or response Ive requested. I sent letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I received an email stating my documents were received but never received anything else. My request includes the original instrument of indebtedness, account production, and general ledger. I have only received copies of the consolidation request not the contract signed by both parties nor an invoice. Recently, I received an email stating that my loans have been sold without my consent and still no response to my initial request. My loans should not have been transferred especially after not honoring my request. FedLoan Servicing has had ample time to provide the items requested and the loans should be discharged d/t non compliance and not honoring my request as a federally protected consumer. Assistance with this matter will be greatly appreciated. Please see the attached correspondence sent to FedLoan Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Neither myself nor mortgage lenders are able to access my EQUIFAX report. They are stating inconsistencies with my address as the reason. I live in an apartment complex that does not have mail service. Because of this, I receive my mail at a po box . I have contacted the company on 5 separate occasions spanning 4 months and each time I have received a different response. I have submitted the requested documents to verify identity and address but am still unable to access my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Saks Fifth Ave is saying i tried opening a credit card with them and made a hard inquiry on my credit. It was not me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: FL
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-09-28
Company: EQUIFAX, INC.
State: FL
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Block, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I will continue to file complaints until this is resolved. Let me know if you need the police report number. 

On XX/XX/2022, I was forced to send {$600.00} on cash app to cash app name XXXX  XXXX ( XXXX ). I was held against my will and had to reach out to get the money from others on cash app. The police were called and he was arrested. Additionally, he stole my car keys. My cash app name is XXXX  XXXX ( XXXX XXXX XXXX is my name that is listed there. I have the police report number which I've offered to provide to cash app. They have been unwilling to assist ; however, I do not believe he should keep my money after it was forcefully taken during the act of a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Experian Information Solutions 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 recently requested the credit bureaus investigate a few account reporting for accuracy. They completed the investigation and stated the investigation was accurate. After the investigation was completed XXXX removed the account but XXXX and Experian has continued to state its accurate. Under the fcra guidelines, once one bureau finds the information is inaccurate the must share that information with the other major bureaus. I have sent both remaining bureaus a copy of the results. 

*XXXX  # XXXX *XXXX  XXXX  # XXXX In accordance with fcra these creditors listed above has violated my rights under 15 U.S.C 1681 SEC 2. states I have the right to privacy 15 U.S.C 1681 SEC 604A sec 2. States a consumer reporting agency can not furnish an account without instruction 14 U.S.C 1681 SEC 623

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 2022-09-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I opened a card with XXXX XXXX On XX/XX/XXXX I canceled XXXX  membership via email On XX/XX/XXXX I was issued a refund for {$45.00} OnXXXX cancelled membership again On XX/XX/XXXX I was informed about a balance due of {$230.00} On XX/XX/XXXX I was informed I owed the amount under a new account number but was never sent a new card. 

On XX/XX/XXXX I was informed I owed {$270.00} and that the account was closed and the online account disabled On XX/XX/XXXX I received a note was evaluated and the account was 3 payments behind. 

On XX/XX/XXXX paid account infill {$510.00} I am still unable to find out what charges were incurred and contacted XXXX and chase but was not provided information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-28
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file and listed on my credit report are : XXXX  XXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently requested the credit bureaus investigate a few account reporting for accuracy. They completed the investigation and stated the investigation was accurate. After the investigation was completed Transunion removed the account but XXXX and XXXX has continued to state its accurate. Under the fcra guidelines, once one bureau finds the information is inaccurate the must share that information with the other major bureaus. I have sent both remaining bureaus a copy of the results. 

*XXXX  # XXXX *XXXX  XXXX  # XXXX In accordance with fcra these creditors listed above has violated my rights under 15 U.S.C 1681 SEC 2. states I have the right to privacy 15 U.S.C 1681 SEC 604A sec 2. States a consumer reporting agency can not furnish an account without instruction 14 U.S.C 1681 SEC 623

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 2022-09-28
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Equifax has medical information that has been sent to a third party vender XXXX XXXX XXXX thats has been listed on my credit report since XXXX When I try to dispute it Equifax will drop my credit report almost XXXX points instead of trying to fix the problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2022, I received a voicemail from a researcher and investigator from Amerihome Mortgage, in reference to finalizing my forbearance. The message is from XXXX XXXX and he states that my forbearance was being finalized and they were working on getting the documents mailed for me to sign them. Since then, I have not received any documents in the mail and each time that I contacted Amerihome in reference to this issue, they have requested that I submit a new application and supporting documents. I have since submitted 2 new applications and supporting documents. Both applications have been rejected due to additional documentation needed. I don't understand how I was approved for forbearance in XXXX and I never received the paperwork. I feel that there is a game being played and unfortunately, I have not been able to receive a forbearance and now I am in jeopardy of of losing my home. 

In addition, Amerihome has sent someone to my home on XX/XX/2022 to inspect my home. I don't understand why they would send someone to inspect my home, when they are fully aware that I am occupying the home and they know that I plan on staying in my home. 

Amerihome is clearly overstepping their boundaries and violating the mortgage laws. I refuse to be taken advantage of and I request an investigation. 

Please look into this matter as soon as possible. Thank you in advance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: GA
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:
I have made several complaints to Equifax regarding these accounts, and I'mbeyond tired of going back and forth about MY consumer report and the unfair treatment I am receiving. The fraud is real and I will take legal action if my complaints are taken seriously. Equifax, you have 10 days to make this right-DELETE the FRAUDULENT accounts on my consumer report, I never gave you written permission to report these alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are in the middle of a short sale however the 2nd mortgage with SPS has assigned a foreclosure date on the property. The 1st mortgage is held by the City of XXXX and we are also in the middle of negotiating the sale with them. The offer has already been sent to SPS and was even accepted back in XX/XX/2017.

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