BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-19
Company: LendingPoint Holdings LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Tried to pay the remainder of the loan off to avoid being charged interest on a loan that had a 60 day same as cash and when I called on the XX/XX/XXXX they were closed in observation of XXXX. I called Monday and XX/XX/XXXX and they charged me the interest on the loan. I left them a message with there on call staff and even screen shotted the phone call. They refuse to honor there 60 day same as cash. I had a problem with fraud with this company as well, they do all the loans for XXXX XXXX and I cancelled my subscription with XXXX XXXX and XXXX XXXX  payed lending point back {$1400.00} back to them and I was left with $ 470+ balance for a service I never used. In the meantime over a spand of 6 months lending point held my credit hostage and called me to tell me that they are negatively reporting against my credit. After the {$1400.00} was returned to lending point they were forced to report correctly to the credit bureaus. I did receive a e-mail saying that they did correct the mistake. But dealing with there customer service I feel like this company is only out to rippe hardworking individuals off. All this took place in the holiday season and I have a XXXX XXXX baby. I am forced to pay the {$140.00} of interest that acurres more interest daily. Witch I don't understand because I paid the XX/XX/XXXX {$280.00}. So my next payment if I had to pay them would be XX/XX/XXXX. My payments were scheduled for the XXXX of every month. So I don't know. I am reporting them so you guys can hopefully notify them at least that they did me wrong and also keep future hardworking individuals from being ripped off.. thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Colony Brands, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was notified by XXXX that I have a past due balance, but I never ordered anything. My identity was stolen, and used to create an account, and items purchased which I never ordered or received any benefit for the items. I never authorized anyone to open an account in my name, nor did I open any account. No action has been taken by the company. I never received the items, nor opened the account so that account should be closed immediately and removed from my credit record, as my identity was clearly stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX of Bayview Loan Servicing , LLC, Customer Support called XXXX XXXX, ( mortgagor ), on XX/XX/XXXX @ about XXXX EST. XXXX XXXX 's call was in response to previous messages left by XXXX XXXX, inquiring as to why the XX/XX/XXXX & XX/XX/XXXX payments had not been posted. XXXX XXXX specifically told XXXX XXXX that her payments were being returned to her, as the home is going into foreclosure, as a result of a past due balance that Bayview Loan Servicing has NOT and can not verify the debt as being past due and owed. XXXX XXXX further stated that there are NO PAYMENTS on the account for the year XX/XX/XXXX-XX/XX/XXXX, which is totally false as XXXX XXXX have processed checks showing that each check was infact received and deposted by Bayview Loan Servicing , LLC & posted to the Loan Account number. However Bayview Loan Servicing has obviously misapplied these payments. On behalf of XXXX XXXX, I have previously sent RESPA letters requesting validation of this mysterious outstanding balance that Bayview Loan Servicing , LLC claim that is owed. To this date, Bayview Loan Servicing , LLC has NOT. To add insult to injury, XXXX XXXX further attempted to get XXXX XXXX to consider an UNNECESSARY Loan Modification for this unverified mysterious past due balance. As I was listening to the conversation via speaker phone, I asked XXXX XXXX/my mother to have XXXX XXXX Call my phone, as by Powers of Attorney I am authorized by XXXX XXXX and the POA has been received and acknowledged by Bayview Loan Servicing , LLC . Upon XXXX XXXX calling my phone, I immediately began a legal phone recording. XXXX XXXX immediately terminated the call. 
On or about XX/XX/XXXX, did in fact receive back ONLY XXXX of the checks. With a letter explaining that the XX/XX/XXXX payment was inadvertently dated XX/XX/XXXX by XXXX XXXX and there fore could not be deposited for the stale dating. XXXX XXXX then processed the payment for XX/XX/XXXX via phone with a customer service representative of Bayview Loan Servicing , LLC . 

XXXX XXXX maliciously and willfully misrepresented that the home was going into foreclosure, in an attempt to intimidate XXXX XXXX into agreeing to this unverified past due balance, and offered her two options. Pay the amount or Agree to a Loan Modification to include this mysterious past due balance. XXXX XXXX has intentionally and willfully violated the FDCPA, and other state federal consumer protection laws as well as banking laws. 

Bayview has in fact sent out a few Notices of Intent to Accelerate that are defective in that they all include a Past Due amount that is not past due at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: EQUIFAX, INC.
State: NV
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:
Well first of all let me say that i think that all credit agencies are wrong, XXXX and bias!! They allow companies that they know nothing about to things on your credit report and does not consult with the consumer regarding if its correct information or not!! And that is not right!! And then the consumer has to fight to get it all their credit report!! That is totally wrong!! But the credit bureaus do not care one bit!! And if you are non white they will do everything in their power to keep your credit score down!! Example : This company XXXX/XXXX  that i had an account with that was closed back in XXXX was able to just appear on my credit report as open after 15 years!! How is that possible?? What happens to statue of limitation?? These crooks was able to lie and say that my account had been open for 15 years and i made a payment on my account XX/XX/XXXX which is a TOTAL LIE!! They could not ever send me proof of the payment or any payments!! And this company don't have to send proof to the credit bureaus regarding payments?? They are allowed to just say i made a payment and the credit bureaus allow these crooks to put this on my credit file??? WHAT A BUNCH OF XXXX XXXX XXXX XXXX 

How wrong is that?? Then when i told this company to close this account that was closed back in XXXX these no good XXXX credit bureaus Equifax and XXXX  took my credit score down 17 points!!! And that XXXX XXXX Agency is the most XXXX wrong credit monitoring service in america!! Im sure it just a matter of time before they get sued and shut down!! Nothing but XXXX crooks!! And they did not even wait 30 days to do it like they usually do to update my credit report!! They took my credit score down the same day it was close!! And it should have never been open in the first place!! Again this company XXXX/XXXX  has no proof of any payment being made since XXXX!! Why are they allowed to put this on my credit report and the credit agencies don't asked for any proof of payment?? Where is the proof?? Why is this allowed??? 
This is so wrong and should be investigated!! Its sad how people can just screw your life up and nothing is being done about it!! WHY IS THIS ALLOWED BY THIS XXXX BIAS UNFAIR CREDIT AGENCIES? One thing that i know and that is that karma is real and all of these XXXX no good crooked credit agencies will pay dearly someday!! Its just wrong and shouldn't be allowed!! But nobody cares until it happens to them and it will!! So just remember that you reap what you so and GOD doesn't like ugly

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Sub : Reg. Account opening bonus {$350.00} Enquired and Verified several times with HSBC customer service through bank emails, phone calls and chat. I have been advised that the bonus promotion {$350.00} will be credited to my account by XX/XX/2017. So far it 's not credit yet on my checking account. Even discussed several times with customer service, the team is not knowledgable circling and not providing solution on my case. Hence, raising this complaint to resolve my issue : Few case history reference for the investigation : Checking Acct Inquiry ( XXXX ) Date : XX/XX/2017 We are pleased to inform you that our Online Processing Team has reviewed your request and confirmed that your account is eligible for the {$350.00} promotional offer. 
Your Checking Account should be credited with the {$350.00} by XX/XX/XXXX. 
Checking Acct Inquiry ( XXXX ) XX/XX/2017 Upon review, we notice that the {$350.00} Bonus is scheduled to be credited within the XX/XX/XXXX. 
Checking Acct Inquiry XXXX XXXX XXXX XX/XX/2017 : You will receive your {$350.00} bonus into your account within the next 7-10 business days. 
Checking Acct Inquiry ( XXXX ) XX/XX/2017 : Upon review, we notice that you have successfully set up two bills per month from your new HSBC Checking account via HSBC? s online Bill Pay for three consecutive months within 120 calendar days of your account opening. Please be informed that the last payment was initiated on XX/XX/2017. As such, you will automatically receive a {$350.00} welcome deposit into your account approximately within eight weeks from XX/XX/2017. 
Checking Acct Inquiry ( XXXX ) XX/XX/2017 : We have submitted a case to have the status of your promotional deposit investigated. Please allow us some time to look into this. 
Now, I have been told that about the eligibility criteria investigation again, which was investigated and confirmed by customer representative in XX/XX/2017 itself. 
Checking Acct Inquiry ( XXXX ) XX/XX/2017 : Thank you for your patience while we researched your promotional deposit eligibility. 
Since the account open date was after the Fall cut off date we are reinvestigating your eligibility. Please wait until the next month 's results are out. You will receive the gift by XX/XX/XXXX if all the criteria are met. 
I have lost my patience and faith with HSBC and it 's poor customer service, hence I 'm raising this compliant. 
Please investigate and resolve my issue at the earliest. 
Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-24
Company: Summit AmeriFirst Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was contacted by my neighbors whom live at XXXX XXXX XXXX that someone by the name of XXXX XXXX from Amerifirst contacted his wife on her personal cell phone trying to reach me XXXX XXXX regarding a personal business matter. Please keep in mind I do n't know my neighbors and never met them. Contacting complete strangers discussing my personal business is a violation of my privacy and just plain unprofessional. 

Amerifirst has done this to several other individuals and continue to disturb and harass individuals whom have nothing to do with my business with them. They have continued to violate privacy and collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I've sent emails and letters to get my credit report updated corrected, no changes but : In accordance with the fair credit reporting act Capital One XXXX and XXXXXXXX XXXX XXXXXXXX XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Navient Solutions, LLC.
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: Old information reappears or never goes away

Complaint:
I have attempted to dispute old student loans reported by Navient several times in the past for for violations but they are still reporting on my credit report. I have attached a copy of how they are being reported. The numbers I reference below correlate to the attached copy of my credit report. 

Items 1,2 and 5 are being reported on my credit report with no Date of First Delinquency. This is against FCRA rules. There is no way to determine statute of limitations and as such these files need to be deleted from my credit report. 

Items 3 and 4 show a date of last payment of XX/XX/11. This is clearly beyond the 7 year statute of limitations for an account of this type. It is also incorrectly being reported as past due when they should have been changed to charge off status years ago. These accounts need to be deleted immediately. 

The inaccurate listings of these accounts on my credit are causing me financial harm as they are preventing me from being able to purchase a home for my family. I have disputed these items well over a year ago and was truly dismayed to find nothing had been done. 

Please assist me in looking into this matter and helping to get these accounts deleted as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian continues to report my mortgage incorrectly resulting in me being denied refinancing even by the institution that currently holds my mortgage ( XXXX XXXX ). My current mortgage holder 's ( XXXX XXXX ) underwriting department indicated they are compelled to go by what is in my Credit Report although they have other supporting documentation. XXXX XXXX also provided me with a letter from their executive office confirming my claim that what Experian is reporting is NOT accurate. Experian keeps sending me cookie cutter response stating the " credit grantor has verified its accuracy ''. Its refers to the credit report. I not only submitted to Experian the letter from XXXX XXXX, but i also circled what was inaccurate on their credit report and referenced the letter. In addition, I pointed out that the negative according to their report status is due to drop off by XXXX XXXX anyway. 
Problem : XXXX XXXX I refinanced my home with my now ex. He took the refinance money which XXXX XXXX can confirm using bank statement and I provided copies of in Civil Court. In XXXX due to his shenanigans, foreclosure proceedings began. I pulled my home out of foreclosure and secured a loan modification with XXXX XXXX ( XXXX XXXX ) in my name only. In XXXX XXXX I was awarded a Quiet Title to my home and have been making payments on time without exception. 
Experian is report my mortgage as an individual account from XXXX XXXX until present which creditors are viewing as I was solely responsible for the foreclosure being initiated. 
XXXX XXXX 's letter clearly states that " ___ is the only one liable for this loan since the modification dated XXXX XXXX. I have enclosed the original Deed in Trust dated XXXX XXXX, XXXX, between ____ and ___ as joint mortgage holders. '' In addition, I provided Experian with a copy of their own credit report from XXXX XXXX, XXXX where they account was reporting by Experian as joint to further prove to them that what they are now reporting is NOT TRUE. The documents are there in their own data base along with XXXX letter generated from an executive in the president of XXXX XXXX 's executive office. 
Experian 's letter further states and I quote, " : we will not reinvestigate the same dispute again at this time. '' I take issue with this because it is clear Experian has chosen not to look at the evidence showing a preponderance of facts that their report is : misleading, biased, inaccurate and continues to adversely impact both my personal and business ability to become whole again and prosper. In fact, this is covert financial abuse.

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 2020-10-06
Company: EQUIFAX, INC.
State: OH
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 was looking over my credit report and I noticed that a 30 days late payments that were supposed to be removed XXXX XXXX XXXX. The date was XXXX, my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of closing on a mortgage and this late mark is preventing me from moving into my new home. I was under the COVID-19 SHUTDOWN and I believe I can use some help with the removal of the late payments I am currently full current yet the late marks are killing my credit score Icoulduse some accommodation to help protect my credit. The CARES Act calls these agreementsaccommodations. My SS XXXX DOB : XXXX. I had to move do to job loss and never had a bill update.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Comerica
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I've attempted to call " Direct express '' debit XXXX company for a week to set the pin number for a new updated card that my Social security XXXX funds are sent to and after a HOUR wait or more every time i call, ( 6 days ) nobody ever answers and their website is worthless also. Every time you sign in to their site it fails to remember your password and you have to spend hours waiting for their page to send you the reset page by email in order to begin resetting it. ( if they bother to even send it ). The site remembers your ID information but makes you TRY to reset the password every time. These people need to be investigated and someone else more responsible needs to be in charge of this system. Now i can't use my new card to access my money for groceries or pay my bills because these sorry fools have been put in charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
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: Personal information incorrect

Complaint:
I have asked all 3 credit bureaus to remove incorrect addresses from my credit report and they have not done so as of yet. I am extremely concern by the fact that they refuse to remove those incorrect address as they may put my file in jeopardy of being subject to identity fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Mr. Cooper Mortgage - acquired the loan from Seterus and XXXX XXXX acquired the loan from XXXX XXXX with that much account activity, you would think identifying a second mortgage would be part of their buying process. 
I am trying to sell a property base in XXXX pa, I recently ran a title search and it's showing XXXX XXXX XXXX XXXX as a second mortgage. My home loan has been forwarded about 3 time to different mortgage lenders and it has been refinance several times. I put several calls into Mr Cooper Mortgage Co to see if they could provide me with a Letter of Satisfactory for this alleged second mortgage. As I went in all direction told to me no one can provide me with a Letter of Satisfactory or a Corrective Action Lien Release. I spoke with several of Mr. Cooper call center representative and all was knowledgeable however, i been going in circle since XX/XX/XXXX or maybe early and all I received from there Research team and there Lein team was a email stating.>>> " Please be advised Mr. Cooper is not able to provide a Release of Lien for a loan that was paid off to another servicer. If a loan was paid off to XXXX XXXX, XXXX XXXX will need to issue a Release of Lien on the paid off loan. 
My issue is that Mr Cooper was the last one who touch the loan and his company should of taken time to do a research and inquire about the status of my account before it transferred. The company should of required all updated information from when I bought the property in XXXX or XXXX. How can this be a transfer of any sort if they don't have the whole account documentation on file. 
Mr Cooper should be responsible for providing me with a Letter of Satisfactory or do the inquire for a Corrective Action Lien Release.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: TD BANK US HOLDING COMPANY
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:
When I set up this account I was n't aware of my actual due date and was under the impression that I enrolled in paperless billing. Never received email or statement which caused my account to go 30days past due. I contacted Targe t Credit Card/TD bank  and sent them a letter in order to resolve this. I even emailed CEO this is unfair on my behalf. I 've paid my account in full and that was the 1st and only late payment with them. My account is current and the late payment need to be updated/ forgiven this was an error on their behalf. They are negligent in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: BARCLAYS BANK DELAWARE
State: NY
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:
Didn't own that account

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