BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: BSI Financial Holdings, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Re : BSi Financial. Loan # XXXX From day one of my refinancing ( I never chose them but I've ended up with them ) there are major shady things happening. First payment was XX/XX/2022. I setup my mortgage payment on auto pay via my bank 's checking account in this XXXX, 2022. 

When I say I emailed them about it I also have screencast videos to prove all that. 

XXXX. They don't have any option on their website within my mortgage account to control or set my privacy settings. 
I emailed them about it couple months ago but no answer. 

XXXX. There is no way to set up two step verification for security. I emailed them about it but they are not responding. 

XXXX. They are not reporting my payments to credit report agencies. XXXX, XXXX, and XXXX are not seeing nor showing my mortgage with BSI Financial. As if invisible. No mention of my mortgage whatsoever. 

XXXX. In XX/XX/2022, i setup the auto pay for bi weekly payments. They sent confirmation letter on XX/XX/2022 ( attached ) and I also have video evidence of my settings etc. 

BSi, switched to one monthly payment against my will and opposite of my confirmed settings. It also appears that one payment wasn't made. 
I called BSI ( recorded conversation ) in XXXX to complain and demand they switch back to biweekly payments. 
Person on the phone said they have that fixed and they will email me with confirmation. Month later it's not fixed and no emails or letters from BSi received. 
I contacted BSI again via my online mortgage account : XX/XX/2022, I sent them an email ( video evidence on file ) from within my online BSi mortgage account. 
I've demanded that they make my mortgage payments bi-weekly per my settings and I've requested confirmation response in writing via email or US mail. No response. I also requested that they report my correct payments to credit agencies. No response. I also requested that they let me know where can I edit my privacy settings and if they have a way to activate 2FA ( two factor verification ) for login to my BSi account for security. No answer. 

Quick search online and their reviews are horrific. 

I am very concerned about my reputation and credits score that is likely being sabotaged by BSi Financial aka Servis One Inc. 

Please let me know if you would like to see the videos and let me know what I can do to make them stop the sabotage. It's a major sabotage of my time and health in addition to credit and reputation. 

I've already sent this videos to BSI but I received no response from them. 
They are ignoring me. Hence, I have no choice but to file the complaint. 

https : XXXX https : XXXX https : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Bread Financial Holdings, 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:
Due to a COVID-19 income/hour loss I fell behind with some payments in XXXX. I entered into a payment agreement and stayed in contact with them throughout the entire process. The account is current, paid in full but showing 30, 60, 90 and 120 day late payments from XX/XX/XXXX to XX/XX/XXXX. I have called, emailed and written letters with no response. According to the CARES ACT these payments should be reversed and show as paid as agrees on all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
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: Account status incorrect

Complaint:
Dear CFPB Staff, My name is XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX staff 's mistakes and lies have severely damaged my credit scores which is hindering my ability to improve my living situation. 

I made a payment on my credit card with their Phone Support Staff last month in XX/XX/2022. I did this with their staff on the phone going through the entire process going through their staff telling me their terms of service and if I agreed. I did agree. However, even though their staff told me they processed my payment their staff never did. This has resulted in an unjust and fraudulent Late Payment on my Credit Report with all the major Credit Bureaus. 

I called again last week when I discovered there was something wrong. I paid my entire bill and was informed that this fraudulent Late Payment would be removed from my report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX staff 's staff along with my unjust late fees return. XXXX XXXX has just notified me this employee lied.

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 2017-05-28
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
repayment plan options were not presented properly. I switched and was told that I could not get credit towards the years I was paying for the 25 or 20 year repayment plan with caps. I 'm  XXXX . I have paying a very long time. In the last 10 years I was directed to switch Income repayment plans and also not get credit for the payoff caps on the previous plan. Lately I received another notice that I have to file an update. after login to do so Im told I have to reapply for the repayment plan, not on the good one any more. To reapply Navient sent me to the us loan website where my mailing address was two houses ago. Says I am a week late filing the repayment option for income. So I have lost all of the time my payment plan was ticking away at the 20 or 25 year cap. Still confused about what I was on before and why this is not easier. I am still confused as to how to fill out paperwork because it asks me to pick another plan, without telling me what I was on last time, even though all the other fields are pre-filled. I have already been verbally told that if I switch I will lose credit towards the 20 year program I figured out I needed to be on last time. Last time it took me many many many many tries to get on the plan was on and had to get special permission to process last time. I have never been late. I still need to call them back and sort this out after the holiday weekend. Spent hours on this task and it is not solved. I have a   XXXX   XXXX   in   XXXX   XXXX  in  XXXX   and all of my   XXXX   XXXX   XXXX  . I have the unfortunate position of being the mother of a  XXXX  child and     XXXX  b y a red light runner so I have all the time in the world to call with my blue tooth headset and my phone plugged min, wait for hours. Others work and I 'm sure would not be able to find the time to finish the annual re certification or go to this website to research it online and find the time to type in all the answers above without going crazy after being on hold, customer service loops with other companies all day trying to take care of simple details. Go to a website ... nope go to a website on a computer..nope not a tablet ... not that browser ... this browser. dropped call sorry wrong department. let me give you that number. go to this website ... we are closed. call back during a different time zone that what is humanly possible. maam I 'm going to send you to our escalations department. please retell me the story dropped call

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: Pinnacle Credit Services, 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:
My family share plan with XXXX started XX/XX/XXXX. XXXX lines, XXXX,XXXX,XXXX,XXXX. XXXX lines out of XXXX had expired contract ( no contract binding ) and the other would have expired XX/XX/XXXX. XXXX had offered me free phones with a 2 year contract renewal, but the phones they sent us were not what we expected so I returned it with in the 14 days. We had no service with XXXX as of XX/XX/XXXX. But XXXX decided to charge me for XXXX cancelled contracts for XXXX phones ( XXXX. X XXXX = {$680.00} ) which were returned within the time limit. 
XXXX then had sold the false debt to Pinnacle ( debt collection agency ). I contacted XXXX, spoke to XXXX XXXX and Supervisor XXXX but they said they can not do anything about this because they sold it to Pinnacle collection and I should dispute it with them. Pinnacle said they can not do anything about it and that I should go to XXXX. XXXX SOLD A FALSE DEBT TO PINNACLE TO PUNISH ME BECAUSE I LEFT THEIR COMPANY AND WENT TO THEIR COMPETITOR XXXX on XX/XX/XXXX. Receipt attachedLINE ENDING XXXX CONTRACT ENDED XX/XX/XXXX. Contract was cancelled 4 months before expiration date. Charges should have been prorated. ( XXXX x XXXX = XXXX XXXX XXXX not only sold a incorrect debt to Pinnacle but report and damage my credit for four years plus. If they had sent me a bill for XXXX, I would have paid it immediately. Please stop this cheating company from cheating the average people of our country. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
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: Information belongs to someone else

Complaint:
Experian has violated my protected federal consumer rights on multiple occasions and instances. Referencing Account # XXXX, from XXXX & XXXX, this account was resold 3x to 3 different collection companies and all updated with different open dates and neither contains the closed date as this is a collection account. ( collection agencies : XXXX XXXX XXXX & XXXX XXXX  ) According to Experian although information is sold between collection agencies the open date/ account date is not to be changed as in making the old debt appear new. This was clear violation when my account went to XXXX XXXX  that had a open date of XXXX XXXX, XXXX then deleted from my account and as of XXXX XXXX it was placed back on my account under XXXX  XXXX  with an open date of XXXX XXXX. As of XX/XX/XXXX the account was again disputed and removed from my report which shows proof that you have been willfully negligent is correcting these inaccurate reports and information. After the information was disputed as fraudulent on XXXX XXXX, XXXX it was removed again on XXXX XXXX. Still without written notice to me the consumer this transaction is negatively affecting. refferencing my report from XXXX XXXX the collection was placed back on my account with another fraudulent open date of XXXX XXXX, XXXX. Not once was i notified nor were there any reasonable procedures maintaned to prevent reappearance to this deleted material persuant 15 usc 1681 I ( C ). This information is not only inaccurate but it is fraudulent as well. Also, i never gave experian nor at & t written instruction to furnish anything in my name, persuant to 15 usc 1681 b # 2. It is illegal under the FCRA to furnish information that is knowingly inaccurate and incomplete, persuant to 15 usc 1681 s-2 ( a ) ( b ) ( 2 ). Experian is willfully non compliant and hereby liable persuant to 15 usc 1681 N & 15 usc 1691 K. This XXXX XXXX XXXX  account has been deleted and reinserted without written notice given to me a total of 6 times. these multiple occurrences and reinsertions prove that this wasn't a mistake or unintentional. The law is very clear as to the civil liability and remedy available to me for negligent noncompliance.

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 2022-03-19
Company: World Acceptance Corporation
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: Information belongs to someone else

Complaint:
WFC is reporting this fraudulent account to my credit reports. I would like them removed because they are holding me back from being approved for housing and affecting my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Genesis FS Card Services, 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: Account status incorrect

Complaint:
Dear CFPB Staff, My name is XXXX XXXX. Genesis FS Card Services , Inc./Destiny Mastercard 's staff 's mistakes and lies have severely damaged my credit scores which is hindering my ability to improve my living situation. 

I made a payment on my credit card with their Phone Support Staff last month in XX/XX/2022. I did this with their staff on the phone going through the entire process going through their staff telling me their terms of service and if I agreed. I did agree. However, even though their staff told me they processed my payment their staff never did. This has resulted in an unjust and fraudulent Late Payment on my Credit Report with all the major Credit Bureaus. 

I called again last week when I discovered there was something wrong. I paid my entire bill and was informed that this fraudulent Late Payment would be removed from my report by Genesis FS Card Services , Inc./Destiny Mastercard 's staff 's staff along with my unjust late fees return. XXXX XXXX has just notified me this employee lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: Stellar Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was approached last year (? ) for a debt that was not mine. ( originally XXXX or XXXX, ca n't find the debt collection name or other correspondence ) ) I filed a complaint with you then, and the issue went away. 

A company called Stellar Recovery, XXXX MT XXXX apparently acquired information and then filed that with Experian and they put it on my credit report. That dropped my rating from 826 to 650 or so. They never contacted me before doing this. 
I called them at XXXX. EST, XX/XX/2016 and told them this issue was settled with the prior company and that they need to correct immediately. Further, I am really XXXX that they would report this as an unpaid debt without even contacting me. I told them I will be reporting this to the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: NORTHWEST BANCSHARES INC
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Due to Covid 19 and not getting paid I did not use my checking account with XXXX XXXX XXXX  in XXXX Pennsylvania. They continued to charge {$15.00} maintenance fees resulting in the account going into overdraft. As I have had no income I could not resolve the {$27.00} overdraft before they closed the account and reported it to XXXX. 2 days after the account closed I received a payment due to me and cleared the negative balance caused by their monthly fees. I was then informed that they could not open a new account because THEIR record was in the XXXX  and I would have to wait 1 to 5 months for the report to be cleared. 

I went and spoke to the branch manager on XX/XX/XXXX and she told me that until XXXX clears the report their is nothing she can do. I asked about expediting the report of payment upon notification to XXXX and she said there is nothing she can do. 

In summary, their lack of clearing the report with XXXX  is preventing them reopening my old account OR opening a new one with any bank. This has caused my Stimulus payment to be returned to the government as well as unemployment. compensation.

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 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a XXXX XXXX arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be removed are reporting different dates, that is a huge FRCA violation. Thank you for understanding these violations and these inaccurate fraudulent accounts that do not belong to me

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 2015-04-15
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
American Collections Enterprise , Inc. has reported fraudulent information to credit bureaus regarding a alleged debt. This debt has been paid in full to the original creditor yet American Collection Enterprise , Inc. continues to report the debt as unpaid to credit bureaus even though they have acknowledged being informed of the debt having been satisfied prior to their most recent reporting to credit bureaus. 

I filed complaints with the XXXX and the Consumer Financial Protection Bureau yet as of XXXX/XXXX/2015 they had yet to remove the incorrect information. In their response to the complaints, they state that they were informed that the debt has been satisfied prior to their most recent reporting. Their response states " XXXX XXXX ' payment was made directly to the original creditor. They reported it to our office on XXXX XXXX, 2015. '' However XXXX listed the account being updated on XXXX XXXX, 2015. 

The debt was then removed from my Credit Report when I checked it as of XXXX/XXXX/2015. However, the false information has been reported again to XXXX. This time, they have reported only the dollar amount and account number, electing to leave their name off of it. This is the XXXX complaint I have had to make regarding their tactics and I have been advised by council that these repeated false reportings constitute harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-07-19
Company: CITIBANK, N.A.
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I received a letter to modify my home as well as a phone call from Citi Bank saying if you wired XXXX To Citi Bank today we will give you back your homes. Please understand I was locked out of my house for many years at this point. I was happy. I thought I finally I got through to someone to help me get me back in my home. OWNED 27 years Then on my apartment shares I owned for 32 Years. I paid my maintenance every month on time. One day I got a check in the mail for the amount of two months of my maintenance back in the mail. So I called the management company asking what is going on with my apartment and Shares that I own? They explained I did n't pay my maintenance. I then said if I did n't pay my maintenance. How are you sending me a refund? I then went to housing court AFTER they illegally sold my home as well as my apartment SHARES and was told this is all illegal. They also asked why Citi Bank did not help because they had an interest in both the home as well as the apartment building and shares. I tried to contact Citi Bank so many times and they said they will HELP ME. Well guess what? They never helped. Not to add this but I 'm very sick, and sometimes to proud to ask for help. But I have been begging Citi Bank to help me, and they never returned my calls. Both these properties I bought by myself. I worked 2 jobs after my family robbed money from me. I said I will never be in the street again. My Mom and Dad are gone at an early age. I had nothing but my property to always have a roof over my head. I always paid my bills on time. I 'm in shock that such a wonderful bank would not help me find Justice.

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 2015-03-24
Company: Stellar Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Stellar Recovery, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I discontinued service with XXXX and they pressured me into holding onto their equipment for no-charge. I told them I 'd consider service again at some point, but I was already under contract with XXXX. They called me constantly about their " deals ''. I repeated numerous times that I would consider their service again once I was out of contract with XXXX and they stated they would n't charge me anything for the equipment. I told them I would immediately send the equipment back if I would be charged any kind of fees. This went on for months without a problem. They assured me that I would n't be charged. Then I started getting miniature charges of {$6.00} here or there. I told them I would send the equipment back and they kept billing me for " maintenance '' fees on the account even though I was no longer under contract for TV service. Apparently there 's a debt of {$21.00} for needing to " service '' my account even though I did n't have TV service with them anymore. I owe them nothing, but they have turned it over to a collection agency called Stellar Recovery Inc .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation