BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-18
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar has purchased our mortgage here in the XXXX of Florida. It is like pulling teeth to have our home repaired because they are either making us jump hoops to get the money or they are only issuing it to us in increments of {$10000.00}. Most contractors are having to have a percentage upfront and with them not releasing the funds provided to us by our homeowner 's insurance company we only have a fence back up and a roof that has been completed since Saturday XX/XX/19 that is only partially paid for. I understand they want to send over inspectors as they have interest in our property being the mortgage holder but they need to release more money at once. We are going to have to find a place to live for an estimated 8 months with children for interiors repairs. We can't even start those because we are still awaiting the money to be released for the roofing company before we can request more. Also we have to go through major paperwork as well as the contractors, then it goes under review for 5 business days, then they send it over to have the check cut for a portion of the work which takes 3 business days then they snail mail it to us which is another 3-5 business  days. This is the reason the people in the XXXX of Florida are having such a hard time rebuilding, because of mortgage companies such as this. We have done everything but the struggle becomes even harder with each repair we make. They are making it entirely too difficult to make repairs because by the time we are able to secure someone which like I said is hard to find they get tired of waiting and go to the next job. These people seriously need to release our funds in a timely manner and at a higher amount so we can have our repairs complete before yet ANOTHER hurricane season. I personally do not want to live in a camper trailer with my family during a hurricane. Flagstar Bank is nothing but a hassle.

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 2023-04-17
Company: Fay Servicing, LLC
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
FAY Servicing. Misleading and Diverting the Key issues THE SIN OMISSION IS THE WORST TYPE OF LIE. 
FAY APPEARS TO BE EXCELLENT AT IT. 

FAY APPEARS to have A LOT OF EXPERIENCE AND PRACTICE. 

-IT IS APPARENT YHEIR MAIN GOAL IS FORECLOSURE TO FLIP HOUSES QUICKLY -I BELIEVE THEY ARE BEGINNING TO BELIEVE THEIR OWN DUBIOUS ACTION. 
I think thy lost a class action Legall Suit for similar misleading, Misdirected Actions. 

-SUPPOSEDLY EVERY CONVERSATION IS RECORDING. I Still have the dates ; Time of almost Every Convention, and All levels of employees. LISTEN TO ALL THE RECORDINGS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Transunion and XXXX but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX ( Original Creditor : 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 2019-04-18
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I owe a loan with Regional Financial and have fallen behind of which I plan to pay. My major complaint is they continuously call my work place which is not allowed even after I have explicitly ask them not to call over the phone on numerous occasions XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. My coworker has also asked them to stop calling the office on the same days when they picked the calls. I have sent an email on XX/XX/19, and sent a formal complaint on XX/XX/19 to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: I.C. System, Inc.
State: CA
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:
[ XXXX XXXX XXXX # XXXX has violated my rights. 

[ I.C. SYSTEM, INC ACCOUNT # XXXX has violated my rights. 

[ XXXX ACCOUNT # XXXX has violated my rights. 
THIS HAPPENED IN THE MONTHS OF XXXX - XXXX OF XXXX, XXXX - XXXX OF XXXX, XXXX - XXXX OF XXXX Under 15 USC 1681 section 602 states, I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: CA
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 XXXX Account # 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late purpose.

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 2021-01-11
Company: BSI Financial Holdings, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to BSI Financial Services and it has has caused a true hardship and has negatively impacted my financial standing. The challenge follows many problems including : ( 1 ) Inability to Pay Taxes On-Time : My escrow account is current and is fully funded. It has had sufficient cash on hand and despite this the servicer is delinquent on two separate tax accounts : ( a ) Town Taxes and ( b ) County Taxes. These are both UNRESOLVED and one payment is over one month past due. 

( 2 ) Late payment to my Homeowner 's Insurance holder : It took multiple email correspondence and many calls to customer service to extract a payment to my Insurance Agency. Moreover, I involved my Insurance Agent in calling BSI Financial prior to a payment being made days after the due date. This caused real unease because I didn't want to lose my policy nor get negatively targeted within the insurance marketplace due to 'late payment '. 

( 3 ) Incorrect PMI Deductions - BSI financial services has incorrectly charged my PMI and has incorrectly doubled my payments since my financial relationship started in XXXX. I have written and become correspondence with customer service ( via phone ) and resolution seems to be far off. Moreover, I was not told HOW this would be resolved ( i.e. would their be a check sent back to my residence or would it be deposited back into my escrow account ). 

( 4 ) Tradeline delinquency applied to my Credit File - A 30-Days past due was issued against my credit file DESPITE being a new account. This is a violation of RESPA and despite asking for a correction there was no solution. Instead, I received a written letter from a 'Complaint Resolution Specialist ' that 'the information that we have reported to the credit reporting agencies is correct. ' This action is actually illegal and it is not congruent with providing a new service account 60-days grace period. The only reason I could NOT make my loan payment is that it was only after the due date on XXXX that the account even reflected correct information. I spent over a week trying to establish an online account and didn't receive payment instructions until AFTER my XXXX due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2022 I submitted a complaint to XXXX XXXX XXXX BMO Harris was harassing my dad with phone calls due to my debt. I had to tried to call in to resolve the issue and the phone reps were no help. I requested them to stop calling my dad over the phone. I worked with a representative to make payments on my card which did leave my account although BMO Harris didnt modify my credit report to show that. When my payments bounced I was unable to pay and now they keep calling my dad again. This is unacceptable harassment of my family and needs to stop

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 2022-09-02
Company: Receivables Performance Management, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt to XXXX XXXX and have spend hours trying to remedy this with them. Their representative has told me that I made the final payment but they kept sending me the bill. I have asked multiple times to XXXX and now the debt collector for validation of the debt and for the transcript from my multiply conversion with XXXX to validate they said I made my last payment. All have been ignored. I have copied of the letters sent through certified mail to these companies. I originally sent the letter in XXXX and revived no response so I reasoned through certified mail in XXXX. I also emailed to figure out why they did not respond. They said that they did multiple times but the only thing I received was the original XXXX bill. They are refusing to remove this collection item.

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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX Amount {$350.00} Dates XXXX XXXX, XXXX  In accordance with the Fair Credit Reporting Act XXXX  Account # 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

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 2022-09-02
Company: Experian Information Solutions Inc.
State: CO
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:
! FRAUD ALERT! XXXX XXXX XXXX / XXXX account opened without my knowledge in XX/XX/2022. Noticed and disputed XX/XX/2022 Experian, XXXX and XXXX. Attempted to contact XXXX XXXX, XX/XX/2022 - Robo answering service is suspicious - requires input of personally identifying information with no option to speak with a live representative. Disputes have not resulted in the removal of this account from my credit report. I did not open this account. Identity theft. Do not extend new lines of credit.! FRAUD ALERT!

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 2020-12-03
Company: Absolute Resolutions Corp.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Morning ARC Compliance Team ; This is unreal! - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: WLCC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Hi, I have a complaint against an underhanded business named XXXX XXXX XXXX, which is a pay day loan company. Their address online is listed as XXXX. XXXX XXXX, XXXX XXXX SD, XXXX. 

The issue that Im having with them is that theyre preventing me from making extra payments on my pay day loan in order to bring the principle down and combat their absurdly high interest rates, charges, and fees. On XX/XX/2018, I called their listed customer service number ( XXXX ) in order to make an additional payment on my loan after they just debited XXXX from my account on that same date. I was told twice by the customer service representative during two separate phone calls that their stipulations stated that I could only make an additional payment if I notified them 3 days prior to my draft date. The representative told me that I would have to wait a whopping 11 days before I could schedule to make an additional payment. Meanwhile XXXX dollars and some odd cent in interest would accrue per day in addition to their other fees that Im currently being charged ( XXXX in interest + XXXX base fee ) I understand that pay day loans often carry super high interest rates and fees, but Ive never encountered a loan company, pay day loan, or otherwise that literally prevented a customer from making extra payments whenever they wanted to. 

What XXXX XXXX is doing is unethical and it cant be legal. XXXX XXXX is literally holding my loan hostage and preventing me from making any payments for 14 days, so their absurdly high interest rates and fees will pile up. This company should be shut down for their predatory practices on consumers. I urge anyone and everyone to avoid XXXX XXXX XXXX at all cost! No matter your emergency loan needs, XXXX XXXX XXXX is not the way to go!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Advantage Credit, Inc.
State: NY
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
To Whom It May Concern : THIS IS JUST A FOLLOW UP JUST IN CASE YOU DID NOT GET MY DISPUTE DIRECTLY==> I recently reviewed an extensive copy of my CHEXSYSTEMS CONSUMER REPORT & credit report included dark web alert ( s ) with the intention of trying to improve myself and take care of my responsibilities and noticed an account that I wanted a little more explanation on, and it needs to be deleted/removed from my chexsystems report. - ( XXXX XXXX ; XXXX XXXX XXXX, XXXX, XXXX  XXXX ) I also recieved an alert on my XXXX account that a recent account has been opened with my social security number at XXXX  XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

THE POLICE REPORT # : XXXX FTC Report Number:XXXX4 I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CHEXSYSTEMS REPORT IMMEDIATELY!. 


Bank Checking Account : XXXX XXXX  ; XXXX XXXX XXXX, XXXX, XXXX  XXXX Account Number : NA delete it from my XXXX REPORT Thank you for your time and help in this matter. Sincerely, XXXX 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 2019-07-19
Company: Harley Davidson Financial Services Inc
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX XXXX Harley Davidson in XXXX XXXX Florida fraudulently esigned my name on my brother 's motorcycle loan as a co applicant. I did not authorize my signature on ANY loan, in fact, I wasn't even in Florida at the time when this motorcycle was purchased. It is my twin brothers motorcycle. He needed a co signer,  and although his salesman did call me in Nevada to ask if I would co sign, I told that salesman, and I quote " no absolutely not, for one my wife would not allow it, and second his bill collectors in the past were always calling me looking for him for his unpaid loans, and the insufficient checks he gave them ''. I knew his credit history therefore wasn't going to take that risk of destroying my great credit. However, the salesman apparently esigned my name to the loan anyway, and then proceeded to tell my twin brother I agreed to co sign, and that is absolutely a lie. I tried to dispute it with the credit bureaus but they all have refused to remove it from my credit history. This is a blatant XXXX  attempt to sell a motorcycle at any cost. For one I know the law states an individual has to be actually present to esign a document for a loan. Considering I was 2500 miles away in a different city at the time, that would be impossible to do. I didn't even move back to Florida until XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: CL Holdings LLC
State: WI
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:
My information includes a false " also known as '' name of XXXX XXXX XXXX and an address of XXXX XXXX, XXXX, MI XXXX both of which were added to my personal data without my knowledge. Neither the name of the address is true. I believe a debt collection co, probably did this as I have received notices from XXXX XXXX, XXXX as well as XXXX XXXX XXXX , XXXX stating that I have a delinquent utility bill with XXXX XXXX in XXXX, MI. All of the above is false, and I believe I am being targeted because of my age, XXXX years old and retired. XXXX XXXX has 1013 complaints against them from BBB and several of the complaints when read, are so similar to my situation that one has to believe that this is a scam that has succeeded. Even the same utility company is named, XXXX XXXX in several of the complaints so XXXX and/or XXXX likely bought a list of delinquent accounts from XXXX for pennies on the dollar and are now out trying to collect anything they can. Why else would the first notice offer to settle a supposed debt of {$970.00} for a quick fee of {$240.00}? How can XXXX  allow false information to be added to my profile without my being informed?

Company response to consumer: Closed with non-monetary relief