BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-11
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
Company sold debt to another party party contacted me and I paid XXXX $ explained I need another arrangement because I lost job and did n't have funds was also in school. I later got a call from a private investigator via an unknown number purposely blocked trying to drop off documents where I do not live and found out it was a different company handling it now. This company does n't have proper identification online. Threatened me if I did n't pay and harassed me I dropped call spoke with ace cash themselves told them they can not send me to a third party because I just got harassed and I am going to report them. So I worked something out with ace cash. But the third company I ca n't even find their info and the XXXX $ that I paid never got to ace cash account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: MIDFIRST BANK
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage company keeps increasing interest rate and late fees. My total current fees are {$2200.00}. I have not made late payments at any time.

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 2021-03-15
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX ; Experian and XXXX are not investigating the collection/chargeoff accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts are not in dispute, when in fact they are in dispute. In addition, these accounts are over ( 7 ) years old and should not be reporting at all! The accounts are as follows - partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached. ) The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-03-23
Company: EQUIFAX, INC.
State: CA
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:
XXXX has not sent out the results of my inquiry disputes as of yet I need the results mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Stellar Recovery, Inc.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid & account closed via XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
As part of my estate planning to make sure my wife and children are taken care of when I die I created a living trust with my wife in XXXX XXXX with my wife and I as the sole trustees. We have always titled all of our properties in the name of our trust since that time including our residence at which had a HELOC with Wells Fargo Bank. In XXXX we bought a new primary residence and unfortunately made the bad decision to finance it with Wells Fargo Bank , N.A . Besides the fact that the origination process was horrible and their fraudulent flood department that is part of Home Equity made us get unnecessary flood insurance ( subject of previously filed complaints ) I am now being harassed by Wells Fargo Bank , N.A . about holding my property in the name of a trust. First I got a letter stating that I needed to fill out forms, notarize them and include copies of my trust pages which I did. Now I received a second letter from XXXX XXXX, a VP ( that according to customer service does n't have a phone number I can use to speak with her so I 'm not sure if she is a robo signer ) stating that I have to have a modification agreement recorded against my account. When I called Customer Service to speak with them they said that my account would be restricted if I did n't complete the forms ( it is already restricted due to a short sale in XXXX ) and that if I do n't comply and keep my account in good standing they are going to take actions including possible foreclosure. 

I continue to have problems with this bank even though I have over XXXX accounts with them. CA state law allows for individuals to have properties held in the name of a trust and still have a loan on them yet WFB seems to think that they can usurp state law and create their own rules. Also it 's important to note that WFB does n't have a problem with the Conventional XXXX loan that they service since that is n't their money but when they have a portfolio loan they create complex billing situations ( see other complaints about how they steal money by misapplying payments ) and harass me about my estate planning.

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 2016-04-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX MORTGAGE. XXXX equity LINE OF CREDIT. XXXX On XXXX 2014 Lender. increase the monthly payment. SO THEY CREATED A HEAVY HARDSHIP I HAVE EXPEND 18 months. ( one year and a half ) dealing with many different Departments, Lender change Officers that request document every 2/3 months with no result, MORTGAGE MODIFICATION. GOVERNMENT PROGRAM mortgage modification Government Program

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 2021-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The woman identified herself as XXXX with XXXX XXXX  calling to collect on an auto loan for Capital One from over 15 years ago. I have a bankruptcy which was finalized XX/XX/2021. This is the XXXX or XXXX call where I have advised I filed bankruptcy and that the debt is too old to collect. Then they hang up on me but continue to call. It is my understanding that once my bankruptcy was filed which was months ago, debt collectors must cease and desist calling me. I would like this company to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: WELLS FARGO & COMPANY
State: GA
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:
On XX/XX/2021 I called in to speak to someone at Wells Fargo about my account. I spoke with a rep and after getting authorization from her supervisor I was told that if I paid my balance in full then the account would be removed from my credit report. We had a conversation about how the account is hindering me from buying a house and she guaranteed me that it would be removed if I paid in full. I have paid the account in full and the account is still showing on my credit report. I feel I was lied to intentionally just to get me to pay the account off.

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 2021-02-19
Company: Capital For Change, Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I obtained a loan from Capital For Change ( C4C ) in XXXX associated with a green energy project. The loan was a {$40000.00} loan due monthly over 84 months. Over the past year I have ran into difficulty paying the bill through the online system so have utilized the phone system making several months payments at once. Since Covid-19 the phone system indicates that responses ( voicemail and emails ) may take 48 to 72 hours for response. I had made a payment for 3 months in XX/XX/XXXX brining my account current until XX/XX/XXXX. On Friday XX/XX/XXXX I realized I hadn't made my payment so attempted to call C4C however wasn't able to reach a representative ( C4C confirmed call based on call logs around XXXX Friday ). I tried logging into the online system however wasn't able to log in. The next day Saturday the XXXX I realized that C4C was closed so I reset my password online and utilized the online system. I made a payment for the month of XXXX and the month of XX/XX/XXXX. The online system indicated that they process all payments after XXXX M-F the next business day however the system did indicate that the payment was made on XX/XX/XXXX. On Tuesday I received a credit alert that I was given a 1 month late on my credit. I contacted C4C and initially spoke Ms. XXXX XXXX ( Supervisor in customer support ). XXXX indicated that they do not process payments over the weekend and that the reporting is correct for the XXXX. I later escalated the issue to Mr. XXXX XXXX ( Director of Loan Servicing ), Mr. XXXX advised that he looked into the situation confirmed my call on Friday the XXXX however declined to make any changes. I proceeded ( several emails available ) to provide documentation associated with CFR XXXX associated with Regulation Z and pavements. - A creditor shall credit a payment to the consumer 's account as of the date of receipt, except when a delay in crediting does not result in a finance or other charge or except as provided in paragraph ( b ) of this section. Mr. XXXX indicated that this does not apply to his company as they are closed on the weekends and wont process payments until the following business day. I don't feel that not accepting payments and not applying payments that are made on their website ( that show a payment date of the weekend day ) should reflect a payment date for either credit reporting nor late fees is reasonable. I also don't believe based on the official clarification of the guidelines this complies. This damage to my credit is now causing me to lose out on a refinance of my mortgage that was schedule this week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: NC
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2100.00}

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 2022-10-27
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I've reported that my personal address is wrong to Experian and they have failed to correct it. They have only responded that the addresses is correct and it is not correct. I have placed a fraud alert on my account because of the credit bureau leak. I have lived at my current addresss for XXXX years. I need any other address removed. 

Please remove these address, they are not my personal address. 
XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX DE XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX My current personal address for XXXX years now is XXXX XXXX XXXX XXXX XXXX, NJ XXXX 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 non-monetary relief
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: CT
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 attached the document that reflects an inaccurate amount that is placed under my name. This clearly states that you have violated the abovementioned rules and I would like for you to act on it by deleting this account that you have inaccurately tagged under me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: GOLDMAN SACHS BANK USA
State: CT
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:
In XXXX, 2021 I received a late payment notice on my credit report. I was affected by Covid-19 and was unable to work, the payment was made and the creditor was aware of how Covid-19 affected me. My state had strict Covid restrictions and because of this I was laid off as non-essential and had to find safe work as I'm XXXX XXXX. Goldman Sachs is the creditor and even after multiple disputes they are unwilling to cooperate with me to remove the late payment despite an agent telling me he submitted a claim to have it removed on my behalf after my disputes were rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XXXX and XX/XX/XXXX a friend fraudulent used my card, when I notify Santander that I wanted to claim XXXX dollars as a fraud, the bank refused and claim the card was shared. I have and will always be denied t hiss as being untrue in the winter and spring of XXXX, I went into the consolidation of my debts. XXXX XXXX and I notified Santander of this fact and to negotiate a settlement. The bank did not try to settle but continued to run up the interest until the credit card was maxed out, another {$900.00}.

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 2021-03-15
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 is missing that should be on the report

Complaint:
nOTE IT IS IMPOSSIBLE TO REACH OUT TO ANY OF THESE CREDIT REPORTING GIANTS - PERIOD. nOTE ALL OF MY CREDITORS HAVE BEEN EITHER PAID IN FULL OR PAID AND THE REPORTING DOES not REFLECT THAT! once AGAIN WE ARE BEING FINANCIALLY HARMED BY INCORRECT REPORTING CAUSING SEVER FINANCIAL HARM AND YES HERE IN FLORIDA SEVERE elderly 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 explanation
Consumer complaint received 2016-09-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Our client was denied for a loan modification in XXXX of this year. They were not offered a short sale option or any other loss mitigation options at this time. This is a direct violation of XXXX, attached, which " requires a mortgagee, trustee, beneficiary, or authorized agent to contact the borrower prior to filing a notice of default to explore options for the borrower to avoid foreclosure ''. 

It is also a violation of the CFPB 's XXXX XXXX XXXX, attached - see highlighted sections of pages XXXX and XXXX. 

Our client has not, at any time, been offered a short sale, or made aware of any other loss mitigation options they may have by Wells Fargo.

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 2016-08-18
Company: Global Asset Management Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Called me from GF Group, and had someone locally also call my phone claiming they were going to send someone to issue me a summons. On a bank that I have n't had in years! Wont provide me with a way to legitimize their business. Can not get any info from them.. very rude.. called me from XXXX different number + blocked numbers. Gave me a fake case number. 

Harassing my phone and threating me with legal action.

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 2022-10-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
dear XXXX XXXX, This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. 

Line Item : account # XXXX Additionally, I have enclosed a copy of the credit report your organization provided to me on XX/XX/2022 and circled the item described above. 

Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only 100 % accurate credit information and to investigate any claims of inaccuracy within 30 days of receiving such a claim. I respectfully request you investigate my claim. 
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. 
Additionally, within 15 days of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 
Sincerely, 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 2021-03-15
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My payments for my mortgage are sent electronically directly to NewRez from my account. Payment was sent and received successfully since the inception of the loan. 
The XXXX payment was sent and RECEIVED by NewRez on XX/XX/2021. But, they did not credit my account and are charging me a fee. I have called 3 times, each time the representative has told me something different. In only one of the calls was the representative even polite and she did attempt to help resolve the issue, but to no avail. My bank has sent proof of payment to the NewRez fax number, and still they are not crediting the account, but instead they are threatening to report the loan in default. Please help! What else can I do? They already have my money!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: Santander Consumer USA Holdings Inc.
State: KS
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:
My   XXXX   credit bureau was pulled by  Santander Consumer USA  on  XX/XX/2015   . I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed some items that are not mine on my credit report. These items need to be deleted from my credit report XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, University of XXXX, US Dept Vets. There were inquries as well that are not mine XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I have contacted the FTc and my local police, Im also doing this on my own behalf.

Company response to consumer: Closed with explanation