BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-09
Company: Home Point Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought a XXXX  in XX/XX/XXXX in XXXX XXXX, XXXX. It is XXXX of XXXX units built as new construction. The property tax bill for that first year is a collective tax bill and it was agreed upon closing that the XXXX units would evenly pay for that collective tax bill until XXXX XXXX is able to split the collective property tax account into XXXX individual tax accounts the following year. As of XX/XX/XXXX, my mortgage servicer Home Point Financial Corporation doubled my mortgage payment because it assumed I will be paying the full collective property tax bill. I have tried working with Home Point Financial for over a month and a half on trying to get my payment adjusted so that its accurate but they have made it exceedingly difficult. Home Point Financial Corporation is charging me for my own property taxes and my XXXX neighbors property taxes! The loan servicer kept telling me that they need a property tax bill thats updated. I have stated multiple times that XXXX XXXX does not issue out property tax bills until XXXX each year and that they can not write me a new one any earlier. So in essence, the loan servicer is expecting me to pay from XXXX until XXXX a mortgage payment thats twice what it was before until they get an individual property tax bill.I have furnished my XXXX appraisal letter from the county and even the closing documents related to the property taxes but the company will not accept this and/or is dragging their feet. I have also asked them to contact my county tax collector directly and my title company, but they have refused and have me play as the middleman, where I have easily made over XXXX calls between Home Point Financial and my county tax collector in the last few weeks. This is beyond frustrating and more difficult than it needs to be. I always pay on time and now Im expected to utilize all my funds and emergency funds to make a payment thats bogus- and they know its bogus! I can afford my mortgage payment, but when they are charging me for my neighbors property taxes, that is beyond what I can pay. Im going to be charged late fees and will get a bad mark on my credit report next week on XX/XX/XXXX because home point financial have been slow to respond or take action. Ive been trying to resolve this issue since XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This is a follow-up complaint from the cases # XXXX and XXXX Last night, I received an email notification saying that USAA is closing my account without providing any reasons to why they are closing my account. 

This morning, I called USAA asking why I am not able to access my account and I was told by customer service that my account is being closed for fraudulent activities. The bank is also blaming me me for the fraudulent activity I reported. The bank is saying that I willingly gave access to people I do not know and added people into my XXXX account. All of these accusations are false. It makes no sense for me to go as far as filing complaints and seeking legal actions if I was the one providing strangers with my access. 

I believe I have been my phone was hacked or cloned since this incident ; I have been receiving numerous scam calls. 

I am aware that unauthorized EFTs fall under Regulation E of the Electronic Fund Transfer ACT. The XXXX money transfers were not completed by me. 

On XX/XX/XXXX - Another person from XXXX, NC was hacked/scammed through XXXX, and the bank refused to help her until she went on the news. She was drained {$1700.00}. 

https : XXXX This is exactly what happened to me. My next course of action will be contacting the investigative new reporter. All I want is my money back so I can move on with my life. 

I am going to continue to fight for this and I will go as far needed to make sure I am treated right. Rather than USAA victimizing their customer, they should try to understand and better provide services. I have been using USAA since XXXX and this is how I am being treated. Unbelievable. 

Also, due to the fraudulent activity and the possibility of my identity being stolen, I am not able to use my Social Security to open another bank or even apply for a small loan so I can pay my bills. This has affected me significantly.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX I purchased a bedroom set from XXXX furniture amount XXXX with a care package for XXXX total XXXX with the wellsfargo XXXX XXXX credit card in-store XXXX queens ny location XXXX Due to covid I did not receive any furniture until mid XXXX and about mid XXXX of XXXX after being notified in XXXX that the last two items from the bedroom set I purchased was being delivered. I Decided to purchase a mattress online from XXXX furniture XXXX website XX/XX/XXXX of XXXX with the wellsfargo XXXX XXXX credit card amount XXXX. Received a mattress XX/XX/XXXX. Next day XX/XX/XXXX new transaction made on my account for XXXX with a special terms offer for XXXX I immediately dispute the transaction due to covid now in XXXX of XXXX wellsfargo says that's the mattress I ordered? I immediately ask what happened to my XXXX now there's another investigation. Now it's XX/XX/XXXX I get a letter stating the XXXX is for items that was delivered. So it's seems that XXXX furniture resold me. A item from the bedroom set I purchased in XXXX and made a new purchase for a mattress on my XXXX amount XXXX with the special terms XXXX balance that's now on my credit report. The XXXX already did damage to my credit I refused to pay for a transaction I did not authorize wellsfargo do not seem to want to investigate this matter .the last transaction I made was for XXXX I gave no one authorization to access my account a purchase made to there XXXX XXXX on XX/XX/XXXX for a total of XXXX dollars

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 2022-11-12
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm XXXX XXXX, and I'm sending the CFPB another another complaint. I was a victim of identity theft once more, and this is my sixth CFPB complaint requesting to block or erase the data from my credit file that was obtained as a consequence of the fraud. The Credit Reporting Agencies must delete any accounts in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which must happen no later than 4 business days following XX/XX/XXXX, the date of the dispute letter I just sent. I had already shared this report in my CFPB complaints, and I am submitting it once more. Additionally, I have my questions regarding the authenticity of the information some credit agencies gave on some accounts because it was REMOVED from other bureaus and was UNKNOWN to me. This letter is to let the credit bureaus know that I will be suing them if they do not REMOVE the specified accounts from my record. My lawyer has been told of my plans, and they are eager to make you responsible for your deliberate disobedience. This is the LAST WARNING for you. The allegedly stolen accounts should be REMOVED, thank you. The following accounts need to be deleted as soon as possible : 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

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 2023-03-13
Company: Westlake Services, LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XXXX XXXX Sold Westlake My Information/Contract Without My Knowledge

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 2022-01-04
Company: Spring Oaks Capital, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A letter has still not been received as stated in your previous response. I DID NOT AND THERE WAS NO AGREEMENT ENTERED INTO WITH XXXX XXXX and unless you can provide proof showing an agreement entered with XXXX XXXX THIS DEBT IS NOT VALID AND SHOULD BE DELETED ASAP. In addition according to the FCRA information in a consumer report can not be provided to anyone who does not have a purpose specified in the act. The consumer must be notified when adverse action is taken. AGAIN I was not notified nor was a thirty day notice given without reporting this. By law a five day notice must be given of the collectors initial attempt to collect a debt. I will not be paying for something I do not owe, have no knowledge of, and has adversely affected my credit. It also does not matter what day an account was purchased the debt MUST be reported from the original delinquency date that was within a seven year statute. This is illegal, inaccurate reporting and a violation of the FCRA. If this debt is not removed I will be contacting an attorney as you all are reporting this debt without proof, notice, invalidly, and illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 non-monetary relief
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: IN
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 XXXX Account # XXXX, XXXX XXXXXXXX account # XXXX, XXXX  Account # XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX and 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 explanation
Consumer complaint received 2022-06-09
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Amex close my saving account without notification. Amex sent my left fundings by check. However, I am moving out from my current address and unable to receive the check in my current billing. I already sent Amex the Bank Check Stop Payment and Indemnity Agreement by fax for check being replaced and resent to my new address on XX/XX/XXXX. And Amex informed that they would contact me by XX/XX/XXXX. 

Amex did not respond by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My paypal account received a payment of USD XXXX from a customer on XX/XX/2021, and I have not been able to withdraw it to my bank. I have contacted the customer service representative many times to solve the account problem, please " CFBP '' help me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-28
Company: CHOICE CAPITAL FUND
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I borrowed {$200.00} from this company and they are taking XXXX a month from my ssdi and in order to pay this loan off I will have to give then XXXX a little more just to pay them off. Is this legal? I am so in over my head, can they charge like this in Michigan? Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: IN
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 XXXX  Account # XXXX, XXXX  XXXX account # XXXX, XXXX  Account # XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX and 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My personal information was leaked in the equifax and XXXX XXXX data breach and my personal information has fallen into the wrong hands. I would like for the fraudulent open XXXX XXXX  account and fraudulent hard inquiry to be removed from my XXXX, Equifax and XXXX credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Freedom Mortgage violates Section 6 of the Uniform Covenants of our Subordinate Deed of Trust. ( Attached Security Instrument, page 3 of 7, paragraph 1 ).

Details below.

1. Conformed copy of the Note and Subordinate Deed of Trust is to be provided to homeowners XXXX  per the aforementioned section of the Security Instrument. 

2. On XX/XX/2022, after receipt of Courtesy Notice from XXXX XXXX XXXX XXXX XXXX, homeowners request Freedom via their online Portal for the conformed copy of the Note and Subordinate Security Instrument. 

Almost two months in tow from recording date of XX/XX/XXXX, XXXX NO DOCUMENT is in sight. 

3. On XXXX XXXX, Freedom also advised via their online Portal, that XXXX XXXX XXXX is the SERVICER of the Partial Note. ( See attached ). However, almost two months in tow, homeowners DO NOT receive correspondence from XXXX Servicer to notify us of their engagement in servicing partial claim Note

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 2022-08-23
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act, Experian 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. Experian continues to violate my rights by publishing without my written instructions. I find that my consumer file is being irresponsibly tampered with. over the past year I have made several attempts to remind you of your duty pursuant 15 USC 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that i am due, promised accuracy in my report based on federal law. I am making this effort as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations all of the unverified information must be promptly removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that can not be verified or validated. 
XXXX XXXXXXXX XX/XX/2022 and XXXX XXXX XXXX XXXX XX/XX/2022 are hard inquiries I do not recognize and didnt authorize I demand them to removed.

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 2022-12-13
Company: Experian Information Solutions Inc.
State: MI
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 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2022-08-02
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:
I had identity theft back in XX/XX/2018 and my social security was used for various accounts. I am not aware of who did these transactions. Also as per 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 As this is not an account of mine and the information is being shared and reported on my account. 
Addresses XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX phone numbers ( XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-08-02
Company: EQUIFAX, 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:
I had identity theft back in XX/XX/2018 and my social security was used for various accounts. I am not aware of who did these transactions. Also as per 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 As this is not an account of mine and the information is being shared and reported on my account. 
Addresses XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX phone numbers ( XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Accounts XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation