BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-05
Company: Thaxton Investment Corporation
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I Got a Loan through XXXX XXXX  in XXXX, Oklahoma. I lost my job and told them that i would be late and that i did start a new job, that the date i would pay would be when i get my first full paycheck on XXXX. That i would pay any late fee, first time i ever missed a payment, they said i needed the money sooner and that they would call me everyday as much as they want until i pay them. They have called me few times ever day and my family, im at work and can't answer. Its getting ridiculous and almost to Harassment, they left voicemails saying i have to call back or go up there in person, but it's there bullying tatic once there they try to make you feel belittled and that if you don't pay right then and there they will take you to court. Was due XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
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:
Good afternoon is been several times the I try to fix my credit calling and send email to one specific credit bureau and always reject my claims I been working on fix my credit and have credit cards with different banks but with dif bureau looks like one is not help me it all I think is no fair why others bureau help me out and this specific one wont how can we do? Dont know how.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This used to be " America 's most convenient bank ''. Not anymore. They blocked my access to my account online without any prior notice. They then said the only way to unblock it is via a text message. I am XXXX, like many folks my age, I rarely use text messages. Also, I have two phones and they would only send the access code/text message to my phone number ending in XXXX even though I was carrying my phone with the number ending in XXXX that day. Telling them this fell of deaf ears. So the next day I took my XXXX phone with me and called them again. This time their representative said they could only send the new code to the XXXX but not the XXXX number and she refused to give me the new code over the phone even though I answered all her security questions correctly. So the next day i took the XXXX phone with me specifically so i could get the texted code and the representative said she can only text it to the XXXX number. When I asked for a supervisor I was left on hold for a half hour waiting. Finally when I spoke to the supervisor I answered more security questions and she then assured me the account was unblocked. Then when I went back online the account wasn't unblocked and I had to go through the text message thing all over again. Then when I was finally able to access my account online, five minutes later it it bounced me out stating it was due to " inactivity '' even though there was no inactivity and I was in the process of scheduling a payment when I got bounced out. They need to hire competent tech people like they used to have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-05
Company: Santander Consumer USA Holdings Inc.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Received letter dated XX/XX/2018 from XXXX XXXX, reference # XXXX. Under credit report, { highlighted area } the last Statement it reads : { Too few accounts currently paid as agreed }. I had no agreement and it did not come from XXXX. At he time of loan application I had paid off the boat, car, and 2 credit cards, I believe the report to be slanderous and discrimitory. The only loan out was the mortgage. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: ERC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was reviewing over my credit. I notice I had a debt that in collections for a XXXX phone bill. I haven't had a XXXX phone. I have been using XXXX XXXX for the last 5 years. I tried to dispute it off of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Comerica
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I attempted to open a corporate account for a business, which I recently purchased in XX/XX/2020. 

I was met by a personal banker at the Comerica Bank branch, who took my contact information and business name, and told me I would be contacted for an appointment to bring in my business registrations and complete a formal application. 

A few hours later i was contacted by phone by the banker and was informed that my business account was declined, although I was never given an opportunity to provide the necessary documentation for my business. 

When I asked what was the reason for the denial, the banker was unable to provide a reason for the decline. At that point, I instisted on speaking with the bank manager for a better explaination. 

The bank manager contacted me by phone and i explained that I felt racially discriminated against, on account I was declined without ever completing a formal application. Bank manager then asked me " why did youi choose to open an account with Comerica bank '' and followed up with additional quetions, regarding where i live, and other invasive questions. 

I provided answers to the managers questions, and he stated " there are a lot of red flags ''. I explained it was a new business which is incorporated in Arizona and I am currently opening an office locally within the city. The manager 's response was just to " find another bank '' ... and was unwilling to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have filed with XXXX, TransUnion, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, and more! I can't even get a credit report right now because it says I'm entering the wrong information! The one I can get from Experian tells me a have a card with XXXX XXXX a mortgage, a car loan. I've been telling you guys for years I applied for a XXXX account and have been told by XXXX XXXX and XXXX that my account number XXXX is a account with them but it's not under my name or social! Credit report after credit report has been requested in XXXX XXXX! I was locked up at XXXX. XXXX XXXX XXXX at XXXX XXXX  XXXX XXXX, XXXX, XXXX since XXXX XXXX and was originally incarcerated XX/XX/XXXX and didn't get out till XX/XX/XXXX! How did I order credit report after credit report? How did I open account after account? How did I take out a loan? Someone is definitely using my accounts fraudulently! Please help! Every credit report is incorrect and has been since XXXX at least! What do I have to do?

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 2018-12-05
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Over the years I have repeatedly had problems with the way that Navient ( formally Sallie Mae ) applies my auto-debit loan payments. This issue reemerged this summer unbeknownst to me. I have repeatedly requested that when I make a payment, that the payment is applied to each of my loans. Navient frequently alters the way that the loan is applied. This summer they began taking the same amount of money from my account ( so I did not notice a change ) but began applying that payment only to the lowest interest rate loans. This change resulted in my highest rate loans accruing interest and then accruing interest on interest. I would not have been charged this amount if my payments were applied correctly. 

This issue is an ongoing problem. The reason I am posting this today and reaching out outside the Navient organization is that I had the exact same problem with Navent in the past, and it took a great deal of time and effort to get the issue corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2018 I made several small purchases using my debit card. The next day I checked my account and they had charged me XXXX in OD charges. On XX/XX/XXXX after trying to resolve this myself I went to the bank and they refunded XXXX of OD charges. On the same day I locked my account and reported to them that some charges were unauthorized on XXXX, XXXX and XXXX but that didnt stop them. To my knowledge they have stolen over XXXX from me. I am on Social Security and I am worried about my check that will be deposited on XX/XX/XXXX. I dont know where to begin but these people need to be stopped.

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 2018-06-29
Company: Accelerated Servicing Group LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/18 at XXXX, XXXX XXXX from Accelerated Servicing Group ( XXXX ), called an left a threatening voicemail. He said that my account had been escalated and placed with him for resolution among other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital One closed my credit card account, took my security deposit and applied it on the balance, then I paid the entire balance is full of about {$36.00} and they still have me owing a balance of {$3.00} and some change. I paid the statement balance is full and they aren't getting any additional money out of me. The like to defraud customers into paying off a balance but then apply additional fees that's not even associated with the balance that's been paid off in full

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
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:
Select Portfolio Services INC has sent my private payment information to the credit bureaus with out my consent violating my privacy rights as a consumer. It states in the 15USC 1681 ( a ) ( 4 ) and ( b ) that consumer reporting agencies should exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, ( b ) and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. The credit bureaus should not be allowed to add my private payment information to any report sent by a creditor who is also violating my privacy rights by sharing my information without my consent. Therefore I demand that this account be removed immediately from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, INC.
State: NJ
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 previously submitted a completed Identity Theft Report # XXXX. In regards to fraudulent accounts on my credit file. They were not deleted or blocked to show my true complete and accurate information. My Identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: RoundPoint Mortgage Servicing LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted my borrowers application on XXXX and uploaded and sent in all of my information to Roundpoint Mortgage via email to both XXXX XXXX and XXXX and believe they are prolonging the process unnecessarily and have attempted to reach the dedicated representative on XXXX occasions. If it were any documents missing, this information could have been left on the voice mail versus sending a letter in the mail to prolong the Loss Mitigation Process. We are very concerned that our Loss Mitigation Paperwork is being mishandled and on purpose being prolonged for not helping us alleviate our extenuating financial circumstances based on my daughter who was hospitalized for over 34days in XXXX and my seeking employment. 

We are Military Veterans and requesting immediate help with our VA Loan Mortgage situation. All the supporting documents were sent to both emails. Why is there an unnecessary delay in processing our loan modifications. Also, when I call the XXXX, I am not able to speak to a live representative. I believe they changed something in the system which now hinders us from gaining immediate access to any represenatative in Loss Mitigation. Why did the prompts change last week? 

We need help with our VA Loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
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:
XXXX XXXX XXXX is a XXXX  account on my credit report and i tried to dispute this with experian and they continue to keep it on my report it needs to be removed immediately i filed a dispute with XXXX XXXX and XXXX  and they both removed it immediately from my report. experian is the only XXXX given me trouble and its not just this account also XXXX XXXX XXXX, XXXX XXXX XXXX.these accounts are identity theft and are fraudulent activity that i reported to experian and they consistently keep leaving this information on my report. this is violating my rights as a consumer and ask that this is fixed immediately it is affecting my report and i am trying my hardest to address this issue with everyone involved but they continue to leave it or say that that the information is accurate but it is not accurate and isnt authorized by me whatsoever and i am telling them it is fraudulent activity but they continue to deny me my rights i disputed these accounts multiple times to just have experian tell me that they are not going to remove it XXXX and XXXX both removed it only experian is allowing this fraudulent activity to stsy on my report please remove these accounts from my credit report immediately please

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 2021-04-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I had this account closed. I was refunded security deposit in the amount of {$1000.00} via check. Im requesting that this account be removed immediately. It has no use showing on my credit report.

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 2018-12-05
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 status incorrect

Complaint:
My name is XXXX and I have been fighting several medical collections listed on my credit file that I don't believe are mine. They are listing dates of service from this year, last year and in XX/XX/2016. I haven't been to any type of medical facility in over 3 years. I have disputed with the bureaus to no avail. I don't know where else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY EXPERAN CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-12-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We sold our condo which had a mortgage on it that SPS took over from  XXXX XXXX XXXX a couple years before. The loan closed the morning of XX/XX/XXXX. SPS was paid off with a wire from XXXX Title and Trust the morning of the XXXX. The loan could not have closed had SPS not received the wire for {$720000.00}. The attached Master Closing Statement clearly shows XX/XX/XXXX as the settlement date as well as the disbursement date. I sent {$2000.00} extra to the closing to cover any extra charges that might show up at closing which is customary. I have also attached my XXXX XXXX  XXXX bank statement which shows XXXX XXXX XXXX refunded me {$1900.00}, the overage, via wire XX/XX/XXXX and that I received immediate credit. SPS is saying the loan was closed XX/XX/XXXX when I have proof that they had their payoff of {$720000.00} the morning of XX/XX/XXXX not XX/XX/XXXX. SPS is attempting to cheat me out of {$110.00}, daily interest x 3 days totaling {$330.00}. I have also attached the SPS payoff statement showing this {$110.00} amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: EQUIFAX, INC.
State: PA
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:
I recently sent letters over 45 days ago to XXXX  Equifax, and XXXX  and they are disregarding regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Contacted Citibank on XX/XX/2020 to find out how long they have been charging me for Payment Safeguard. I asked how I was enrolled - they werent sure. I asked them to provide the authorization from me to enroll me in Payment Safeguard - they didnt have the information. I instructed them to cancel the service immediately and refund the fees they have charged me. They stated I would have to prove I didnt enroll in the program which is the equivalent of proving a negative. They stated they cancelled it but will not send me confirmation of the cancellation.

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 2018-06-29
Company: Prosper Marketplace, 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 received two crowdfunded loans from Prosper Marketplace, the first for {$12000.00} in XX/XX/XXXX and the second for XXXX in XX/XX/XXXX. A XXXX diagnosis and divorce forced me to default on both loans in XX/XX/XXXX. Prosper charged off both loans in XX/XX/XXXX with charged-off amounts of {$13000.00} and {$7900.00}. 

Five years later they increased the balances and reported such to the credit reporting agencies. The first loan balance was increased to {$18000.00} with the second increasing to {$10000.00}. The increases were first reported in XX/XX/XXXX. I contacted Prosper to inquire why they would increase balances on six-year old charged off accounts. I took the position that the increases were improper and that they had not made any attempts to collect the debt. They referred me to their third party collections company. 

I contacted the collections company and a representative informed me that not only did they not have my account, they also don't report any information to the credit reporting agencies. They referred me back to Prosper 's in-house collections unit. 

I contacted Prosper again. They also could not locate my account and could not advise why the balances were increased.

I never received a follow up call from Prosper, the balances, however, were returned to the original amounts in XX/XX/XXXX. Then a month later the balance were AGAIN increased. At that time Prosper also updated the second loan to indicate that they account had been closed as of XX/XX/XXXX, four-plus years AFTER the account was charged-off. 

I view these actions to be malicious with clear premeditated intent to damage my credit rating by unlawfully increasing balances, changing the 'closed ' date of the account, adding payment history where there was previously none, and updating the accounts monthly to hold down my scores.

Company response to consumer: Closed with explanation