BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-22
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to a new loan servicer called BSI Financial Services. The loan is a portfolio loan consisting of 7 properties. BSI Financial has only paid taxes on 1 out of the 7 properties using my escrow account. I have been following up with them since XXXX. It is now XX/XX/XXXX, and my taxes are still not paid. There are plenty of funds in my escrow account to cover the taxes. Also, there is now a 10 % penalty that needs to be paid due to the lateness. I am afraid there will be a tax lien on my houses. What is the purpose of having an impound account open with them if they are not paying anything out of it? I tell them to close my impound account, so I can pay the taxes myself. They say they can't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
CREDIT SYSTEMS INTL IN ( Original Creditor : XXXX XXXX XXXX XXXX TEXAS ), balance is {$110.00}, and account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/2020 I was struggling called I called covid-19 and I tried to work the problem out with him but no response harassing me making threats what they going to do to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
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:
n accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Applied for a Discover XXXX card, terms offered a 0 % APR balance transfer for 15 months with 3 % fee. I applied for the card and the offer on my new account states 10.99 % on XXXX. I have called and disputed this many times and they will not honor what their terms are on the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX and DEPT OF EDXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This 'debt ' was charged to me via MAIL after I had moved to another state. Waypoint did not have my correct cell information ( despite XXXX having the correct information ) so I was never contacted about the debt. 

It was added to just one of my credit reports ( which is all that matters to the bank ) and is impacting my ability to get a mortgage. 

I called them, PAID the debt, and it is still showing as open / in collections with 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 2023-07-14
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, Specialized Loan Servicing acquired ownership of my property. Due to job loss in the oil and gas industry, I faced challenges in making timely payments. Despite the COVID-19 pandemic, I feel that they did not cooperate with me to find a solution to keep my home. To prevent homelessness for my family, I had to file for bankruptcy multiple times. During this period, I was actively involved with the HAF ( Texas Homeowners Assistance Fund ) while Specialized Loan Servicing scheduled a sale date for my property at XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

As part of XXXX XXXX bankruptcy, I contacted the attorneys at XXXX XXXX XXXX XXXX in XXXX XXXX to inform them about my participation in the HAF program. Additionally, on the day my home was supposedly sold, XX/XX/XXXX, I called the attorneys to notify them of my bankruptcy case number and requested a halt to the process. Unfortunately, I was unaware of the sale until two and a half months later when my case worker from the Texas Homeowners Assistance Fund brought it to my attention. 

During the auction, thXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  apparently acquired my home. Simultaneously, XXXX filed a writ of possession against me, which I challenged, leading to my case being in Civil Court at Law no. 1. Currently, I do not have legal representation, and without assistance, my family and I face the risk of homelessness. It is essential to note that my youngest child, who has XXXX, experiences difficulties adapting to new environments apart from our home. 

I firmly believe I have evidence to support a wrongful foreclosure case. By reaching out to the Consumer Financial Protection Bureau through this email, I hope to receive fair and just assistance. You can contact me at XXXX or call me at XXXX. Thank you for your anticipated help. 

Sincerely, XXXX 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 explanation
Consumer complaint received 2023-06-20
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Harris & Harris LTD sent me 120 pieces of mail in one day for the same organization.I don't even know what's really owed because there are no dates on any of the letters sent to me and it's the same place and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
During the year XXXX we were in the process of refinancing our Wells Fargo FHA mortgage. In XX/XX/XXXX Wells Fargo erroneously sold our property without our knowledge. This of course caused XXXX XXXX XXXX XXXX, XXXX  and embarrassment to us and our family. 

We have been requesting that they correct the documents to reflect the accurate ownership and mortgage balance, which to this day still has not been done. The mortgage balance in XX/XX/XXXX was $ XXXX and we have made XXXX mortgage payments since then. 

Trying to navigate through this labyrinth of mortgage company contacts as theyve changed over the years and numerous office closures due to COVID issues etc has been overwhelming and crippling at times. This is not fair and I feel that we have been victimized in this process and perhaps Wells Fargo is hoping that we will give up and go away due to frustration. I see that we are not the only ones who were affected by questionable practices over the years and this is extremely unfortunate. Whatever you can do to help us would be greatly appreciated.

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 2023-09-26
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: WESTERN UNION COMPANY, THE
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I submitted a money transfer request with Western Union on XX/XX/2023 XXXX XXXX The request was to transfer {$5000.00XXXX XXXX from my XXXX XXXX XXXX XXXX checking account, into XXXX XXXX XXXX to be delivered to my fathers bank account in XXXX ( XXXXXXXX XXXX XXXX XXXX ). 

Western Union promised to deliver the money to the receivers bank account by XX/XX/2023. Today is XX/XX/2023 and the money hasnt been delivered yet. 

I contacted Western Union and they acknowledged the the money hasnt been transferred yet. When I asked for a reason for the delay, they refused to give me one. When I asked for an estimate of when the money will be delivered, they refused to give me one. They started a review case for me and told me the review process could take up to 20 days to complete. 

I chose Western Union to deliver my money because of their promise to deliver it within their declared date range. They did not honor this promise. The recipient is waiting to use the money for an urgent XXXX XXXX thats currently on hold due to lack of funds. 

Transaction tracking number ( XXXX  ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Last summer, in XXXX, Bank of America opened an account under my name. I was able to resolve the issue, and freeze my credit. My credit has been frozen since, which I verified today, Friday XX/XX/XXXX. 

Yesterday, they opened a fraudulent account in my name. 

Thursday, XX/XX/XXXX I received two emails from Bank of America : one titled " Online Application is in Progress '', for a Bank of America XXXX XXXX Banking Account ( which is a checking account ). 

The second email I received was titled " Your application was approved '', and the body reads " Your new account is open Great news! The following account ( s ) are open : Bank of America XXXX XXXX Banking Account # : '' This should not be possible because my credit is frozen.

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 2023-05-23
Company: AMERICAN EXPRESS COMPANY
State: OR
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:
IMy credit report states that I have an American Express credit card .I never had a credit card and never applied for a card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have attached 4 letters and an FTC report please update my personal information and delete the accounts which are fraudulent and the ones reporting errors and inaccuracies

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 2018-05-22
Company: Experian Information Solutions Inc.
State: AL
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 have contacted XXXX, XXXX, and Experian via phone, online, and by certified letters on many occasions in regards to the bankruptcy, the late reports from XXXX XXXXXXXX, XXXX and XXXX. I have informed them that the bankruptcy and the late payments aren't associated with me and I have been fighting it since I noticed the inaccurate listing on my credit report. This listing is making it impossible for me to build an excellent credit history because it's being reported negatively. I have reached out to them stating the bankruptcy isn't mine and the late accounts have never been late with disputed them multiple times and nothing is being done. 

Also it should be noted that I filed a FTC complaint since my identity was stolen and my credit was checked without my permission last year. A fraud alert was placed on my account and XXXX XXXX XXXX was able to pull my credit report from XXXX on XX/XX/XXXX18 and nobody called to confirm if I was opening up a new 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 non-monetary relief
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 


15 U.S.C 16581 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.

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 2023-09-25
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Issue with Freedom Mortgage Background : I'm in the service and rent out my townhome in XXXX. I'm currently stationed in XXXX. My renters have Renters insurance, I have a separate policy, and the townhome association also has a policy. 

Issue : Earlier this year, my Mortgage Company ( XXXX XXXX ) sold my loan to Freedom Mortgage. Upon transfer, Freedom Mortgage required proof of insurance on my townhome. I provided the policy I use under XXXX ( XXXX XXXX XXXX  ) and the policy provided by my XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). The XXXX XXXX policy covers exterior and the interior for hurricane, wind, and hail damage as required in XXXX. XXXX XXXX  is claiming I don't have the correct " verbiage '' required to cover my property for " betterments and improvements. '' I asked for clarification but they can't define what " betterments and Improvements '' means. And they failed to provide documentation on how the policy works ( deductions, coverage, etc ) As a result, they installed an insurance police on my mortgage for {$2000.00} to cover " betterments and improvements '' annually. I asked if this means modifications, post build modifications, etc but they couldn't clarify this. Of note, I have none of these as it's a rental unit with original construction ( toilets, sinks, cabinets, etc ). 

We're facing hardship with the pending government furlough and this is ridiculous as I've never had to have this type of coverage in 12 years with this home ( and never missed a payment ). Regardless of the furlough this is ridiculous in the face of the economy when the XXXX  has two policies ( a 3rd one if you count the renters living in the unit ) and now they want a 4th policy to cover " betterments and improvement. '' I called XXXX about this but they couldn't explain it either. 

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 2023-05-23
Company: EQUIFAX, INC.
State: TN
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:
Fraudulent accounts have been attributed to my credit file that were opened by a thief not by me. I have not received any goods or services from these fraudulent accounts and inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: Jon Barry and Associates, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Paragon Revenue Group Hit my credit on XX/XX/XXXX and I had no knowledge of the account. It wasn't until I called the debt collector that i found out that they were collecting for " XXXX XXXX XXXX XXXX XXXX For a date of service of XX/XX/XXXX that i gave birth to the my daughter XXXX XXXX. The debt collector case worker " XXXX XXXX '' that is assigned to me was very rude to me after i tried to explain to her that I have Medicaid health insurance at the time told me it was my fault and she did not want to hear me but wanted to know how did i want to pay the debt? Which prompted me to call the health insurance XXXX XXXX XXXX XXXX VIRGINIA XXXX who stated the claim was denied because it was not filed in a timely manner. The claim should have been filed under my insurance that follows my newborn from birth to 2 months of life according to my insurance and they did not file to my insurance directly but to my daughters insurance and not in a timely manner. The insurance advised me to file a complaint with medicaid because i am not at fault and the hospital is trying to balance bill me which is not legal and correct since they were the ones to make the error. I have called back to the hospital billing department who advised me to deal with the debt collector and that a supervisor will follow up if more information is needed but have not received a call. The provider also never notified me of a denied claim neither by MAIL OR PHONE so i was not aware of the claim being denied until the debt collector reported to my credit. I also did not receive any debt verification from the debt collector or any collections notification regarding any debt before reporting to the credit bureaus.

Company response to consumer: Closed with explanation