BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-18
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:
As lenders continue to offer struggling borrowers payment accommodations, Congress last week passed the CARES Act. The Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. The Bureaus statement informs lenders they must comply with the CARES Act. The Bureaus statement also encourages lenders to continue to voluntarily provide payment relief to consumers and to report accurate information to credit bureaus relating to this relief. The continuation of reporting such accurate payment information produces substantial benefits for consumers, users of consumer reports, and the economy as a whole. 

In XXXX of XXXX I lost my job and immediately went to my bank and requested a forbearance and got one beginning on XXXX of XXXX. I made the monthly payments of XXXX as agreed upon in the forbearance plan. In XXXX of XXXX I got a job and immediately asked for a loan modification. I still was making the XXXX for the foreberance payments and I received the trial modification paperwork in XXXX of XXXX. I was to make XXXX, XXXX and XXXX payments of XXXX + in order for the loan to totally be modified. I made each of these payments on time and in fact early for XXXX, XXXX and XXXX. The bank has reported that I was late for XXXX XXXX and XXXX on my credit report. According to the statement above with the CARES act this should not of happened. I need this corrected as I am having trouble with getting any credit with the bank reporting I was 90 days late. You can not get through to anyone to fix the problem and that is why I am filing this complaint.

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: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
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:
THEY ARE CALLING ME AND CALLING MY FAMILY SAYING THEY ARE FROM XXXX COUNTY AND I NEED TO CONTACT THEM BECAUSE THEY ARE GOING TO DISPATCH THEM TO PICK ME UP. THEY GAVE AN XXXX AND A CASE NUMBER OF XXXX. THEY ALSO SAID THEY ARE GOING TO CONTACT MY EMPLOYER AND SPEAK T MY SUPERVISOR. I CALLED THE NUMBER BACK AND THEY SAID THE PERSON THAT CONTACTED ME IS A LOCATOR AND THEY DON'T WORK FOR THEM. I TOLD THEM THEY CONTRACTED THEM AND THEY ARE NOT ALLOWED TO THREATEN ME OR MY FAMILY WITH JAIL OR LAW SUITS. 
THEYCALLED ME AND MY FAMILY ON XX/XX/21 AND THEN CALLED ME ON XX/XX/21, I TOLD HER NOT TO CONTACT MY FAMILY AGAIN AND AS SOON AS SHE HUNG UP WITH ME SHE CALLED MY NIECE THREE TIMES IN A ROW, SHE CALLED MY HUSBAND AND MY SON. HER NAME IS XXXX XXXX AND SHE SAYS SHE WORKS FOR XXXX COUNTY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi I am Im making this complaint against I.C. SYSTEM, INC for identity theft. I have never given I.C. SYSTEM, INC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until I.C. SYSTEM, INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and I.C. SYSTEM, INC continues its collection efforts, I will file for litigation for actual damages caused and I.C. SYSTEM, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.

The credit reporting agencies were notified this account is result of identity theft.

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 2016-09-28
Company: Southwest Credit Systems, L.P.
State: GA
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:
This company is trying to collect a debt that is not owed. XXXX has been continually trying to charge me for XXXX phones that were RETURNED to them. I sent this collection company a dispute letter and they never verified the debt, Instead they put it on my credit report and are ruining my credit for an invalid debt. This company is violating the FDCPA. This is a fraudulent debt and this company has not provided me with the requested debt validation letter.

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 2016-02-23
Company: Southwest Credit Systems, L.P.
State: OH
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:
I was contacted in XXXX by Southwest Credit Systems for a debt owed to XXXX XXXX XXXX. I finished paying the debt in XXXX of XXXX, and as of today XXXX XXXX XXXX has not received the payment from the third-party debt collectors, and Southwest Credit Systems claims they sent the money to XXXX XXXX XXXX. Neither company can tell me where the money is.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2022-10-27
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-12-20
Company: WELLS FARGO & COMPANY
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been in for closure with Wells Fargo for over a decade. They initiated foreclosure even though they had enough money to make loan current. They have refused or returned any payments made. They have not approved over XXXX mortgage modifications that we were qualified for. They have delayed, lost applications etc for other applications. For a period of XXXX years they never answered and attempts to communicate with my home Preservation specialist who in fact just actively delayed, confused and blocked communication with this family. We have spent {$30000.00} on legal fees and currently out lawyers have found defects in the contract that will probably cause wells Fargo to have to start legal action to take the house again. We have suffered major stress related issue XXXX XXXX currently these XXXX XXXX senior citizen are going to be homeless when they file again. Help please! We heard about the settlement. Could we get legal fees, pay off note ( {$270000.00} ). Anything we are desperate. Thank you

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 2016-12-08
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I inquired online on XX/XX/2016 about when a {$300.00} bonus would post to my account. I received a message back that I would receive a response in XXXX business day, I waited until XX/XX/2016 and after not receiving a response, I replied to the email about a status. On XX/XX/2016 I receive a response from a XXXX with an email tag of Sovereign Bank stating that if I still needed assistance to call their customer service phone number. It took customer service 5 days to reply with no resolution and to have me then call them back. This is unacceptable service.

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
Consumer complaint received 2016-10-12
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX/XXXX/2016 I was reviewing my credit reports and noticed that a collection company by the name of Commonwealth Financial System was reporting a medical account for {$1000.00} as of XXXX/XXXX/2016. I immediately called them with my financial advisor and spoke to a supervisor by the name of XXXX XXXX extension # XXXX. We explained to her that the account was not mine and questioned her how can they send wrong information to the credit bureaus without making sure that they are sending the correct information? She stated that all they do is send a letter informing the person that the debt stands but other than that that 's all they do. I stated to her that that 's wrong because the FCRA states that they have to verify all information that 's true and correct before reporting to the credit bureaus. She stated that they sent a letter to XXXX XXXX XXXX XXXX. XXXX, FL XXXX. I stated to her that I have never lived there. She really did n't have an answer for this. I requested that they stop collections attempts and to have this account removed from my credit reports. This account has affected my credit scores by more that XXXX pts. and I have a business that depends on my credit score and now it 's deeply affecting my business. I was instructed to send a letter of dispute and to contact all three credit bureaus. The account number is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
there are XXXX issues with my bank account at chase bank. the first is from XXXX 2014 that I want to bring up. I was traveling to XXXX and requested XXXX currency to take with me. I asked about any fees with that the currency transaction and they said " no ''. I asked more than once. later after I received the money I found out they use a lower transaction rate ( a fee in effect that was very high ). I tried multiple times to return the money as I was misled and they said they could not do that. I feel that this was a very misleading practice from chase - saying there was no fee when there really was in the form of a lower rate. I was going to let that go ( obviously I did not file anything with the cfpb ; I did complain to chase and they did nothing ) but recently there was another troubling issue so I thought I would it add it as well. the most recent issue occurred in the last couple of months. all of sudden the address on my account changed - to an address I used over 10 years ago! ( and to add ... I had closed all my account back then and left chase when I moved away - then when I moved back I opened a new account about 3 years ago. ) I found out when I went in the local branch and they asked me to verify my address. I gave them my current address and the one before that and they said both were wrong. finally they told what address was in there and I was very perplexed as to how that could happen - that a 10 year old address would be there. they said they would look into it and email me ( they wrote down my email ) or call me. I never heard a word form them ( including the manager who was there and said she would handle it ) so i wrote to chase online to try to get answers. so, I have asked about it and no one will give me an answer. when I sent an on line message to get answers they say they will only call - not document anything - and they said they tried to call me but said the number they tried was no longer in service. I checked my chase profile and my correct phone number is in there. anyway, I am very concerned that they would just change my address for no reason on an old account - what else could be changed that I am unaware of?? the old address was also used by my ex wife so i 'm not sure if she had access to any of my acocunt. it 's very scary and upsetting. I 'd like to know what happened and how they are going to ensure it does not happen again. thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-29
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
somebody got ahold of my social security number and got a loan from cash net usa in my name. they said that put XXXX dollars in my checking account on XX/XX/2017. this did not happen.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: United Debt Holdings, LLC
State: DE
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i reported this account as fraud to continental finance back on XXXX 2015 as fraud and they sold this fraud account to united debt holding and this account shows on my credit reporting file as charged off and it should not, i have disputed this numerous times as fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: CarFinance Capital LLC, Irvine, CA Branch
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Ive asked numerous times for this debt to be validated and for copies of any and all documents they claim they have with my signature and im denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My mother passed away XX/XX/XXXX. We had a home equity line with Bank of America which matured that month. I went to bank after holidays approximately on XX/XX/XXXX to submit papers of her death had death certificate and statements of the account. The representative inputted in their computer and told me a loan office would contact me. I was never contacted. I waited because I had some health issues I once again went to bank of XX/XX/XXXX with a friend and got a runaround they did not have record of my mom 's demise and they wanted me to have a power of attorney. They did not want to communicate with me because I was n't on the account. I had to resubmit the paperwork and still got a runaround till at last they received everything and I was put on the account. I thought I applied for loan remodification but they sent me a denial letter telling me because my mother was dead they could n't do anything. They once again have been sending to all the different departments but XXXX good thing they did was give me the number to HUD which I contacted he went over my finances and said that I could take on this loan as remodification and was appalled when I told him I got a denial letter. He is the one that gave me your information please help. I feel the bank is trying to take over my house. They once again have sent me to a different department the loans but I feel they are going to reject because they said I would have to pay the whole loan before they even talk to me. Please help

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 2016-07-17
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dear CFP : Here 's my situation : I had XXXX home phone and internet service XX/XX/XXXX-XX/XX/XXXX ( XXXX, PA XXXX ) and as internet was non-functional, I cancelled my plan and account. After this cancellation, I spoke to various XXXX departments explaining the non-working Internet situation ( while on phone, XXXX was successful in locating tech service calls to my apartment and inability to get Internet working properly ) and was told my account would be credited for the remaining balance of {$140.00}. 

Unfortunately, the XXXX staff responsible for making this happen, failed and my credit report is again being UNLAWFULLY hit by a debt collection company named " Debt Recovery Solution '' ( pdf attached ). 

Here 's the interesting part of this : - I 've called XXXX wanting to follow up with my account status and ask to have what was promised to me years ago, finally done. 
- XXXX ca n't access my account because it 's been sold to a debt collection agency ( Debt Recovery Solution ) - I 've called " Debt Recovery Solution '' and they tell me they ca n't access my account and refers me back to XXXX. ( Although they 'll gladly take the {$140.00}. ) - I call XXXX, again, explain the situation, and they, again, refer me to the debt collection agency because my account is " not in their system ''. 
- I 've also disputed this on my credit report earlier this year, and " Debt Recovery Solution '' mysteriously disappeared from my credit report. 
- XX/XX/XXXX : My credit reports are hit, again, now with both XXXX and Debt Recovery Solution and charge mysteriously reappears. 

Neither company can help clear this up and as services were n't provided, and as XXXX promised to credit my account XX/XX/XXXX for the {$140.00}, my credit is suffering from both companies inability ( and unwillingness ) to correct. 

So I 'm hoping CFP can not only mediate and have corrected but will also prevent either company from touching my credit reports for this item. 

My former XXXX account home address : XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2016-08-05
Company: Midwest Recovery Systems
State: LA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I had a online payday loan with XXXX a few years ago after making several payments, I fell behind on making payments. I started to get harassing phone calls at home, work and also friends and family started getting calls regarding this loan after a while they stopped. On XXXX 2016 I noticed a collection on my credit reports from Midwest Recovery Systems for {$2200.00}, they never sent me any paperwork validating the terms of this loan or the amount owed. I only borrowed {$800.00} and I paid most of that back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Genesis FS Card Services, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Sent card not wanted and did not activate called the card customer service demanded to remove the bill for it, now I'm following up with identity theft to complete close and resolve this error.Thank you XXXX {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: WELLS FARGO & COMPANY
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Online outstanding balances are not updated to reflect accrued interest misleading borrowers regarding actual amount owed. Attended XXXX of Pennsylvania.

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 2022-11-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I opened an account for a credit card with XXXX XXXX, my card defaulted and I paid off my debt as a result. XXXX XXXX sold my account to Portfolio Recovery and despite me having paid off my debt, aggressively pursued double the amount I owed. They harassed me via telephone, email, and mail ; and have yet to prove I owe them ; because I do not. When I disputed this debt with XXXX, XXXX, and XXXX, they investigated but found no conclusive evidence to make a determination. As a result I continue to received unsolicited mail from this company and my credit report has yet to remove the unproven debt from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: AFJ Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Although I paid a correct amount offered in writing by the Collections Co. named AFJ Systems to settle or resolve a dispute on behalf of its Client, AFJ Systems wrongly provided false info to potential creditors that the correct amount wasn't paid

Company response to consumer: Closed with explanation