BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NC
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I took out a payday loan with Ace Cash months ago. Unfortunately, I experienced some financial hardships and my mother unexpectedly passed away during XXXX 2015. With this being said, I have received multiple harassing and threatening calls from the following agencies : Ace Cash, XXXX and XXXX ( XXXX ). I 've been threatened by way of voicemail : stating that a lawsuit would be filed, a sheriff would come to my home or job, phone calls would be made to my employer to obtain my income and so forth. I have never received any collection correspondence via mail but I do have XXXX saved voicemails in which XXXX different collection agents are threatening me with legal proceedings. The contact numbers for all agencies are the following : XXXX, XXXX, XXXX & XXXX. My XXXX account was charged without my approval for {$60.00} today vs. {$50.00}. When I complained the collection agency threatened me again with legal proceedings. Subsequently, I canceled my debit card and I have filed a dispute with my bank. Rep. XXXX XXXX with XXXX agreed to send me something in writing via email to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Thaxton Investment Corporation
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have a loan with Southern Finance located in XXXX XXXX I have never been over 30 days late on the payment. We advised the manager XXXX and the other worker XXXX that I work overnight. When we were not able to pay on the due date or before they would call that is expected. I have a sleeping issue and I am not able to go back to sleep if I am disturbed so we wrote a letter and she dropped the letter off at the office in the drop box in XXXX prior to us making our XXXX payment XXXX XXXX came due. they started to call. On XXXX XXXX they called my cell phone before XXXX! I was very angry. I got into an argument with my wife about it. But then she told me that she did drop off the letter. She called the office immediately and we spoke to XXXX and XXXX confirmed she got the letter.We also discussed the payment. I have a very XXXX and they woke me up I had less than 5 hours of sleep I cant be doing that. I XXXX. I will honor my bill. sometimes I need to pay late and cant predict the exact day but it will never be over 30 days. I just cant have them calling my cell phone during the day they can call my wife now ... I mean they always could but she just started to work and I need to be late sometimes. but not 30 days she has been upset about this I am not sure of my balance but I will pay it off soon. I just aint have about it. I hurt my hand that day and I just ca n't have someone waking me up I have a harrd time Me and my wife talked about it and decided to have me turn off my phone during the day but that just wont work cause I have drivers that need to be able to get in contact with me by text for emergencies. so I need your help Please let me know what I can do so they wont call my cell phone. anymore sometimes I just got ta get my sleep please let me know thanks you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-03
Company: Continental Services Group, Inc. d/b/a ConServe
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Conserve first contacted me at my place of employment in XXXX 2016. I work in XXXX and can not accept personal phone calls at my desk. I specifically told the person that called that day to NEVER contact me at work again, and that I would get in trouble if they continued to contact me at work. I also gave her my personal phone number for all future contact. Since then, I have filed for a Student Loan Consolidation. Conserve is aware that I have filed for consolidation as they sent me a letter stating they had received a copy of my application from my loan servicer. Nevertheless, they continue to call me daily, and have called at least two more times to my place of employment. ( XXXX and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: HireRight Solutions, Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
accident / incident reported on my transportation Employment History. ( Hireright ) On XXXX/XXXX/2015 a accident was reported upon my history as a preventable Accident. this is untrue i was not at fault for this accident. and the reporting of this accident as preventable is damaging my person as to employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I finally after 10 years of fighting got approved for my modification with Wells Fargo, however they approved me for a modification of {$290000.00} the amount my house was appraised for. The payments are {$1500.00} at 2 % then they go to 3 % after 7year and are fixed. When I made my trial payments of the {$1500.00} they sent me the modification mortgage to sign and the principle balance is now {$640000.00}! My home is not even worth {$640000.00}! I want this investigated. They are committing fraud. I thought this would be over and I would finally get my new modification. Then they send out XXXX payments amounts. I have attached the documents. My name is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Fl 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 2022-11-08
Company: Experian Information Solutions Inc.
State: TX
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 did not consent to, authorize nor benefit from the alleged accounts and inquiries. Please remove immediately. Accounts : 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 non-monetary relief
Consumer complaint received 2022-10-19
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent XXXXRANSWORLD INC and XXXX which they received on XX/XX/2022, they replied on XX/XX/2022 but did not verify the debt. They tacitly agreed that they knowingly and willfully violated my consumer rights, caused me physical harm, and defamed my character by reporting false and inaccurate information to CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Capio Partners, LLC
State: AZ
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:
According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 


Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

I Request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not. 

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : delete the accounts listed ion the complaint as well as send in remedy for the damages done to me as I am XXXX and in a wheelchair and this has caused severe mental distress to me in pursuant to 15 usc 1681n I demand I be invoiced XXXX for the damages done to the address XXXX XXXX XXXX XXXX XXXX Arizona XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I started a saving account with Bank of America ( BoA ) a few years ago and deposited {$60.00}. Just recently, the account showed closed out and empty with XXXX balance. I called the XXXX number and representatives told me the account was closed and that a check was sent to me. I never received a check so I went to BoA and inquired there and they said that the bank charged me for services and that the money is all gone. I never knew of any charges and never used the account accept to be a savings account for my grandson. Now what do I tell my grandson about his money?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
My mom is XXXX years old. She 's always on time but this month she did n't pay her bill on time, she paid 5 days late. Her mind has been preoccupied with the health of XXXX of my uncle ' that are XXXX. She 's having a hard time accepting the late fee. When she called them they said she had to pay. That it rightfully due. My mom became really upset. She does n't understand why they wo n't refund her account as a courtesy. She was n't happy by the supervisors attitude. Especially because she has had bad customer service experience with this bank. She 's never had a problem with other banks.

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 2016-01-08
Company: RFNA, LP
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
In XXXX, I took out an installment loan with Republic Finance in XXXX, Alabama to help build my credit history. I paid the loan on time, except once. The reps called me constantly throughout the day, even at my job. I informed the location manager that I was going to come in to get a payment history printout so that I could pay the loan off because they were being very unprofessional regarding the matter. In XXXX, the manager filed a claim against me in court per se. He even went as far as to send garnishment papers to my employer without a verdict being rendered in court. I made a payment for {$450.00} via money order after that and he did n't even report it to the court. I disputed the matter on my credit and it came back as " satisfied/released '' but, Republic Finance has since placed another delienquent account on my credit for a balance {$200.00} shy of the amount they entered for the court claim. Also, in the court papers, they never reported any of my past payments, they tried to sue me for the full loan. When I went to the location where I got the loan to get a payment history printout, no one would give it to me. The representatives all told me I needed to see the manager XXXX, which was the person that filed the same claim in court against me. Upon meeting with the manager XXXX, he asked me what I needed a payment history printout for and asked was there something I needed explained to me regarding my loan? I do not owe the amount that Republic Finance is claiming that I owe. I was going into the actual location paying with cash and I would recieve receipts on thermal paper from a credit card machine and they have since faded. When I told XXXX, the location manager that I would like to make my future payments via bank draft, he suggested I continue to pay in cash because it posts to my account immediately and that bank drafts can take a few days to clear. This was a red flag for me and is why I made my {$450.00} payment via money order, so I could have proof of payment. If you notice on the court documents, all of the documents that were submitted, when he submitted my account information, there are payments areas blackened out, as well as my account number. I believe they have committed forgery and I would like this matter to be investigated and I would like it removed from my credit report because they have created XXXX separate accounts under my social security number. After the court case was released, Republic Finance went back and opened another account and have been reporting delinquencies on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: First National Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this account was stolen 9 years ago and used fraudulently.it was reported to the original creditor XXXX XXXX XXXX. I am not responsible for this charges, I was victim of fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: NY
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
Global Client Solutions through XXXX XXXX XXXX contacted me last XXXX XXXX 2015 XXXX offering to settle my credit card debts of about {$18000.00} for a total of about {$12000.00} and a fee of {$900.00} for GCSXXXX. The amount I would have to pay them monthly for 20 months was {$630.00} which was to be deducted directly from my checking account on the XXXX of each month starting on XXXX XXXX, 2015. ( I realize that the total for 20 months would have come to over {$15000.00} and I do n't know why I did n't note this discrepancy earlier. ) They told me that my credit score ( then in the XXXX 's ) would take a hit for a few months. I agreed to these terms and immediately gave them over the phone the credit card names and numbers and the amounts owed to each credit card. They told me not to discuss anything with the card companies if they called but to refer the companies to GCS as representing me. They gave me the name and number of a " customer care person '' in XXXX, NJ and said to contact her with any questions. 

From that point on I simply did not answer the phone when I could see that it was from any source I did not know. I told the customer care person I was doing that. She said that was fine but I should fax or mail to her each regular mail communication I received from the card companies and not respond to the companies at all. I have sent her by regular mail every such communication I have received from those companies for the past six months or so as well as XXXX I received from a debt collection company, XXXX XXXX XXXX XXXX XXXX early this month. 

I have talked by phone with that customer care person several times over these six months and have asked for an accounting of what has happened to the moneys withdrawn from my checking account, totaling now {$3800.00}. She has said that GCS has to wait for the card companies to get anxious enough for GCS to be able to get the debt reduced. 

Yesterday I received an email from GCS saying that my monthly account statement is available online. When I tried to access it, I could n't. I called customer care, but the person was n't available. I left a message for her to call me back. She did n't. I looked up GCS on the internet and read all sorts of alarming things. Then I tried to call XXXX XXXX XXXX and speak with the men with whom I had spoken in XXXX. None of them were available and no one called me back. Then I called the debt collection company and settled XXXX of the card debts for 60 % of what the balance was and paid that directly. 

Then I looked up CFPB on the internet. And this is the result. I hope you can help me get back the money paid to GCS since they have done nothing for me. 

Thank you for your existence and for any help you can give me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I payed {$450.00} to have their appraiser appraise my home, to have my pmi removed from my mortgage. I had no choice but to use their appraiser. The aprraisal came back XXXX under comparable homes. They apparently used the XXXX properties that would be in the banks favor to prevent me from having my pmi removed. And their appraisal is final. When I complained to Bank of America, they told me to go refinance with another bank if I could. If I knew the process was so flawed I would never of spent the {$450.00} on the process! My appraisal of my property was XXXX and witg the included document you will see that the median of recent sales is 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 2016-03-01
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
Today XXXX/XXXX/2016 at XXXX XXXX XXXX from Ace cash express called my place of work and told my CSR that I needed to come in and pay on my loan I had with them. I got the message and was embarraseed that my personal business was told to my work associate. I thought that the FDCPA protected consumers like myself from issues like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: General Motors Financial Company, Inc.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
XX/XX/XXXX I purchased a vehicle. My first purchased vehicle I paid off after 4 years with a 14.9 % interest rate. The lender of my second purchase was Americredit XXXX Later, bought by GM financial. After paying {$20000.00} of the {$25000.00} loan with a 19.9 % interest rate and a {$340.00} monthly payment. My vehicle was repossessed. For 2 years I paid on time, initially I was told after paying on time for at least 2 years I could refinance. That never happened. I became unemployed from XXXX. I informed Americredit/ GM financial of my employment status and continued to pay what I could, when I could in a timely manner. I would pay what I owed along with any late fees incurred. XX/XX/XXXX I worked a temporary job for the winter. I was able to catch up on my payments. I even made early payments toward my principle amount. The lender regularly accepted post-dated payments over the phone. On several occasions the lender would refuse to take partial payments, including the website. My vehicle was repossessed despite my attempts to remain in good standings with the lender. The lender has now sold the debt to another company, further damaging my credit. I have recently learned about XXXX and how minorities were targeted for higher loans. Online I have discovered many others who have went thru the same process as I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
My daughter asked me to co-sign an auto lease. I was informed that both the dealership, XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX and the leasing company would be doing inquiries on my credit report. I do n't object to the inquiry by the leasing company since I have a contractual relationship with them. There is no similar relationship with the dealer, who is an agent of the leasing company. Consequently, I object to them requiring a copy of my credit report.

Company response to consumer: Closed with explanation