BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-26
Company: 1st Franklin Financial Corporation
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company continues to report to my credit without verifying this account! I have put disputes in through the credit bureaus and XXXX was not able to verify this account and deleted it off my credit. However, the other credit bureaus still have this account reporting as verified. It also states they sent this account to a collection agency. I sent a letter to the legal dept according to FCRA 623 that I need this account validated! I get a letter back claiming they can't honor my request without signing it. This sound very sneaky to me as they claim they would have to do a signature comparison as a protection to me!!! 

*Attached is my letter to the company and a letter I received from the 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 2020-11-13
Company: MONEY SOURCE, INC., THE
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shortly after closing my purchase in XX/XX/2020 I received a notice that the mortgage was sold to TMS. I received a request in XX/XX/2020 to provide an updated copy of my home owners insurance policy to TMS. Their system incorrectly showed my insurance policy expiring in XXXX. The letter indicated if I did not provide a copy they would secure their own policy after 30 days. They indicated the policy would most likely be at a higher cost than if I provided insurance. After providing a duplicate copy of the current insurance policy they followed up with a 2nd letter indicating my policy did not clearly identify the replacement cost coverage of the policy. The letter asked that I " please ask your insurance agent to provide us with the replacement cost calculations for your home ''. The letter did not indicate if this was a requirement or what would happen if I did not provide that information. It had been 2 weeks since the original letter so for all I knew they needed this information or they would procure insurance and charge me. After a quick conversation with my insurance company it is very apparent that TMS should know that the XXXX would not be provided. Fearing the worst -- that this is a requirement I can't meet, and therefore TMS would be purchasing insurance on my behalf, I called TMS. After explaining the situation TMS told me that providing the XXXX was not a requirement and that they were just highlighting the fact that my insurance policy replacement cost is less than my current mortgage balance. They indicated I am no longer in jeopardy of having TMS procure insurance. It would appear that TMS is trying to use me to get information they don't have access to in order to shore up their liability balance sheet. At best their kind intentions are horribly worded. At worst they're using a letter that threatens me with higher cost insurance and coaxes me into providing proprietary information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received a settlement check from a car accident and deposited it via mobile onXX/XX/XXXX for {$3800.00} into my USAA account. The attorney that issued the check banks with XXXX XXXX XXXX. After taking a picture of the check and making the deposit I placed the check in a folder where I keep important documents. In XXXX I was going back and fourth to the library and I carried my folder with me. XX/XX/XXXX my husband took my vehicle to a XXXX dealership to get my vehicle detailed. He stated he placed my folder in the trunk of the car. XX/XX/XXXX I checked my account online and noticed XXXX missing. I contacted USAA and they told me there was a duplicate transaction with the check. I went to the trunk of my vehicle, looked in my folder and noticed the check was not there. My husband went to the dealership and spoke to the manager, he stated he would review the cameras. We contacted USAA again and filed a fraud claim on our account. I went to XXXX County Police departmentXX/XX/XXXX and filed a police report. Case # XXXX. I contacted the attorney and advised him of what was going on. He stated he did not see a dup check on his end. OnXX/XX/XXXX I received a copy of the check from USAA. The check was presented to XXXX XXXXlXX/XX/XXXX on XXXX XXXX. I went to that XXXX XXXX branch and spoke to the manager he stated the fraud would need to be handled by USAA and XXXX. I went to XXXX police dept and filed a police report Case # XXXX. The detective stated he spoke to the person that cashed my check she stated she met her cousin and a female, he told her it was his girlfriend and she was having problems with her account and asked her to cash the check for her. It is nowXX/XX/XXXX all involved banks are stating it is not their fault it is the other bank. USAA and XXXX have both closed their fraud investigation and I do not have my money back. I have fallen behind ALL my bills because of this situation and would like for this to be resolved immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: CREDIT ACCEPTANCE CORPORATION
State: CT
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 been back and forth with Credit Acceptance Corp for over 8 months regarding the same issue. They are reporting my account as closed and charged off when I am still making payments and my account is actually open. They also have my account showing that I was repossessed when my car was NEVER repossessed. For over 8 months I have disputed both those claims, I have spoken to over 10 supervisors, I have spoken to legal, and I have requested to speak to the credit reporting department over 15 times in which they claim that there is no number for that department. Each time I disputed the account and also faxed them over my credit reports showing that my account is being reported as closed, they responded back to me stating that everything is accurate when it is not. 

This is not only destroying my credit, but it is also hindering me from getting refinanced, a new car loan, or even obtaining any type of credit. This is all due to improper credit reporting and they choose not to rectify it with proof provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Bank of America 's credit card practice is rip-off. my XXXX monthly statement balance was XXXX USD. I had auto-payments feature ON. On XXXX XXXX I paid my balance in Full manually, just by clicking button " Pay '' when I was looking at my statement. On XXXX XXXX XXXX XXXX issued XXXX refund on my card, which made my balance on credit card even negative, but regardless of all mentioned Bank Of America on the last date of grace period charged my checking account again and deposited XXXX the second time, ignoring two things : 1. I have already paid in full. 2. I even had a negative balance. <P/>I found out about that looking at my checking account and immediately called them. The conversation with call center employee entails this complain. she told me that it was MY fault that I paid in full having auto payments on. I tried to explain that Auto payment feature must take into account all payments made by customer and refunds if any, and that it this the way banks like XXXX, XXXX and XXXX XXXX work, but I heard " Based on our policy we will charge full last statement even if you have already paid ''. <P/>I am not a lawyer, but I am positive it is against common sense because it turns credit card to a nonsense product, and it should be against the Law. I experienced overdraft fee on my checking, which must be paid my BofA, but they ignore my complains.

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 2018-02-23
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credit was opened with Barclays on XX/XX/XXXX and closed on XX/XX/XXXX ( by consumer ). I had decided to seek debt restructuring with Barclay 's regarding the {$6700.00} that was owed at the time. Due to immense financial hardships I was unable to to meet my monthly payment of over {$180.00} a month ( 24 % + interest ). 

Barclay 's wasn't willing to extend help with this matter and instead of restructuring, demanded that I pay the monthly in 3 installments however the timeline of these installments were so close to the due date that by the time I would pay the third payment it was as if I had experience no relief. I lost my business and main income stream and had XXXX income for that period of time and was forced to rely on my Barclays credit card. 

I inquired about renegotiating interest rates because they were so high however Barclay 's did not facilitate this even after explaining my situation. They sent an email for an offer to negotiate but in the end I didn't even qualify for the offer based on the account and was left without any further resolution in which they started to demand increased payments and possibly full repayment of loan. My only resort was to close the account, and even when I did interest still accrued and my amount owed moved from {$6700.00} to over {$7100.00}. 

I kept getting calls and being bombarded by Barclays about the amount owed, emails, calls, letters to my home. It went into collections and the note was telling me to contact their debt collectors law office. I called Barclays and told them I am seeking consolidation and help from a potential third party who relayed to me that I should be contacted by Barclays however I still was. 

I enjoyed a good relationship with Barclays in the beginning however it seemed in the end that even when I fell into extreme financial hardship, no effort was made to help me as a customer, there was just a demand for repayment and an extension of time just for the interest to accrue.

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 2018-02-23
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My husband attended XXXX University online from XX/XX/XXXX to XX/XX/XXXX. We had to take out student loans to pay his tuition, and Federal loans were not an option for this school. We took a loan with XXXX XXXX. Unfortunately, a few months before he was set to graduate, my husband became XXXX suddenly and hasn't been able to work outside the home since then. We have been working with XXXX XXXX ( now Navient ) to take part in a Rate Reduction Program since we first were required to start paying back the loans. Every single time we have reapplied for the program there have been problems with our payments. They took out 2 payments in the same month several times. They changed the amount they withdrew from our bank account without telling us that there would be an increase, which caused us to be overdrawn multiple times. They have also taken the payment out on the wrong date either before it was supposed to be withdrawn from our account, or after, for which they then charged us late fees.Every single time I have been on the phone with Navient regarding these loans I have been given the run-around. They have not made the terms clear to us and have caused a tremendous amount of stress to me and to our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I opened a dispute with XXXX for XXXXXXXX XXXX who is reporting a {$70.00} debt since XXXX, and now they are stating on my report it will not come off until XXXX..the account has been charged off..XXXX XXXX keeps changing debt date to keep it on my credit, that is the only way they could hold this debt until XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hi, This issue is with regards to Wells Fargo savings account. 

I was charged a fee of {$15.00} for going using my savings account to make 7 withdrawals. Apparently, I am only allowed to make 6 withdrawals ( even though its my own money Im accessing ). I was not informed of this when I was basically pressured into opening a savings account ( Im sure you are aware of Wells Fargos deceptive account policies ). 

I would like my money back for a rule I was not informed about nor warned about ( and frankly this rule shouldnt exist at all! ). 

Thank you 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 monetary relief
Consumer complaint received 2018-10-26
Company: CHECK INTO CASH INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2018 {$1400.00} was taken out of my XXXX XXXX account using my card info at a XXXX machine in XXXX, Ca, over the course of 6 transactions, which I did not authorize and I had the card itself in my  possession the whole time. I submitted my claim to XXXX XXXX and they denied it basically blaming me for the theft, that I gave someone my card and the pin # to someone. I have never even been to XXXX as far as I can remember and gave no one any authorization. I sent them the police report That I filed with the XXXX, Ca police department a copy of my card and a claim form they asked for and they denied my claim based on the fact that I must have given the Thieves my card info. I sent in a 2nd appeal letter in on XX/XX/XXXX to the compliance department on XX/XX/2018. I called back during the week of XX/XX/XXXX - XX/XX/2018 and was told they had no information on my request yet. Yesterday XX/XX/XXXX I called again and was told They never received my appeal letter so this Time I was told I should have never sent it by mail, which I was told by them to do so on XX/XX/2018, so I faxed it in Yesterday XX/XX/2018. Please see all my supporting documentation which I have attached. I would appreciate your help in resolving this matter with XXXX XXXX, the detective at XXXX Pd said They use skimmers and cameras to get info and pin # and that 2 Years ago they found a skimmer and a pinhole camera at that same location, found Dna on the skimmer and were able to catch the culprit. XXXX XXXX are the ones that recommend using the atm '' s located in the XXXX XXXX. XXXX Pd say that their is a crime ring that likes to use those Atm '' s because they have no cameras and that the skimmers are almost undetectable and that the owners of the store '' s really do not pay attention to them because they are not Theirs. I have relayed all this info in my appeal to XXXX XXXX ( attached ). I did nothing wrong and for XXXX XXXX  to blame me for the theft is outrageous. Thanks for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-26
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
They increased my student loan interest rate, nearly doubling it. This happened in XX/XX/2018. They have been contacted and informed of the increase. They have given no reason for the increase. And they have opened a case to recalculation the student loan interest rate. But they have yet to correct the student loan interest rate to the right percentage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Experian Information Solutions Inc.
State: PA
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 agreed to a payment arrangement with XXXX to pay {$350.00} per month via automatic payment in XX/XX/XXXX. This arrangement was made regarding a charged off second mortgage from XXXX XXXX that XXXX had purchased and collected on. XXXX stated that the payments would reflect on all three credit reports, Experian, XXXX, and XXXX. I have sent multiple requests to XXXX, Experian, and XXXX to update the reporting of this account on the credit reports. I received multiple letters from XXXX that state the account was defaulted on in XX/XX/XXXX,  charged off in XX/XX/XXXX, and a monthly payment of {$350.00} has been paid on time in XXXX, XXXX, and XXXX of XX/XX/XXXX, and XXXX through XX/XX/XXXX. I submitted these letters to XXXX and Experian agencies for correction of my credit reports. I have received the same response from both Experian and XXXX of adding a comment to the report that consumer disputes and payment arrangements made on charged off accounts.There has not been any change to the closed dates and the payment grid still states that no payment has been received during these months. Please see the attached copy of how this account is being reported by XXXX and Experian. Experian lists all the above referenced months as FP which is translated to mean FAILED TO PAY and XXXX states no payment received. XXXX stated they would update and report the payments and have not reported these payments as was agreed. I feel that the collection practices XXXX used by stating the payment history would include the regular payments was unfair collection practices. Further, the credit reporting agencies XXXX and Experian are not taking steps to ensure accuracy on my report or responding to my disputes.

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 2018-10-26
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
in the beginning of 2017 after purchasing the vehicle, we began having trouble keeping up with the payments. We were afraid of loosing the vehicle so we turned it back into the dealership so we would not have to go through with a repossession. We also made sure we paid in full what was owed. I recently ran my credit and it is incorrectly reporting as a charge off/ repossession. I take pride in maintaining my credit and have never had blemishes in my credit before or after this. Please have this information removed from my credit. I have reached out to the company many times before and we have not had any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: U.S. BANCORP
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Elan Financial Services as, Washington Federal Secured Visa Services, Accepted Documented Faxes in an Account Tampering by, XXXX XXXX XXXX. XXXX XXXX is using this Ftauded Company Documentation not. to Pay a Claim.This is an Understanding for Frauded Contract Enforcement in a Review for a Law Enforcement Attorney.

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 2018-06-20
Company: EQUIFAX, INC.
State: PA
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 agreed to a payment arrangement with XXXX to pay {$350.00} per month via automatic payment in XX/XX/XXXX. This arrangement was made regarding a charged off second mortgage from XXXX XXXX that XXXX had purchased and collected on. XXXX stated that the payments would reflect on all three credit reports, XXXX, Equifax, and XXXX. I have sent multiple requests to XXXX, XXXX, and Equipfax to update the reporting of this account on the credit reports. I received multiple letters from XXXX that state the account was defaulted on in XX/XX/XXXX, charged off in XX/XX/XXXX, and a monthly payment of {$350.00} has been paid on time in XXXX, XXXX, and XXXX of XX/XX/XXXX, and XXXX through XX/XX/XXXX. I submitted these letters to Equifax and XXXX agencies for correction of my credit reports. I have received the same response from both XXXX and Equifax of adding a comment to the report that consumer disputes and payment arrangements made on charged off accounts.There has not been any change to the closed dates and the payment grid still states that no payment has been received during these months. Please see the attached copy of how this account is being reported by Equifax and XXXX. Experian lists all the above referenced months as FP which is translated to mean FAILED TO PAY and Equifax states no payment received. XXXX stated they would update and report the payments and have not reported these payments as was agreed. I feel that the collection practices XXXX used by stating the payment history would include the regular payments was unfair collection practices. Further, the credit reporting agencies Equifax and XXXX are not taking steps to ensure accuracy on my report or responding to my disputes.

Company response to consumer: Closed with non-monetary relief