BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was sent via U.S. mail a debt collection notice, from AMSHER COLLECTION SERVICE, XXXX XXXX XXXX XXXX  XXXX, XXXX, AL XXXX, regarding a collection of {$370.00} for an account under my name. Upon review of the collection notice, it had an address of XXXX XXXX XXXX XXXX, in XXXX, Texas XXXX. When I called this collection agency on XXXX XX/XX/2023, I spoke with multiple people from this office. Specifically, speaking with XXXX XXXX and a XXXX XXXX XXXX. I was informed by XXXX XXXX XXXX, of the mistake on the collection. She informed me that the only way to check on this file, was if I provided by date of birth and SSN to them. I mistakenly did so out of confidence they were actually going to check their systems. She informed me that there was no file on record with my personal data. I asked for a letter confirming this, any both personnel informed me to dispute the collection via the credit bureau. I did just that and disputed the case multiple times. XXXX Credit Bureau case numbers : XXXX and XXXX were filed to dispute. Results on both cases came back from AMSHER COLLECTION SERVICE, indicating the debt was " accurate and updated. '' I have filed a police report with XXXX Police Department, Case # XXXX, with Officer XXXX, Badge number XXXX. I am seeking assistance on this matter, as the collection service, used my pesonal information fraudulently to claim they were looking for information on the collection, when in fact they used my information to support their case file on this collection. I've never resided at the XXXX XXXX XXXX XXXX address in my entire life. I am an XXXX XXXX service member and have served my country for 24 years. This collection has tarnished by credit rating and I desire this company to be held responsible for their nefarious intentions with my personal data and to have this collection removed from my credit report immediately. You can review my credit report yourself and see with my creditors that this {$370.00} collection is not mine. Please, I plead with you to review my credit report and do your own assessment. Thank you, XXXX XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: DE
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 several inaccuracies reporting on my credit report and I've contacted all three bureaus about it and it still remains on my credit report inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: DE
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 several inaccuracies reporting on my credit report and I've contacted all three bureaus about it and it still remains on my credit report inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: SFS, Inc
State: MS
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:
Yes an agent contacted me for a firm named XXXX XXXX XXXX. It was about a payday loan that they claimed i received in XX/XX/XXXX but didn't pay. I was told that legal action would be taken if i didn't agree to set up a payment plan. First payment was debited from my account on XX/XX/XXXX in the amout of {$210.00}. The agree was for this amount to be taken out of my account via pre authorized debt charges every two weeks. The last payment was set for XX/XX/XXXX. I haven't received any information about this bill from initial payment, payment schedule, or anything. After XX/XX/XXXX, I tried contacting XXXX XXXX  XXXX to get information on my account. No one will answer my calls, and the emails provided on the site doesn't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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 submitted a complaint last XX/XX/XXXX and it was closed immediately. I submitted a complain again last XX/XX/XXXX and XX/XX/XXXX and again it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

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 2019-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX ( under XXXX XXXX and XXXX Legal Title Trust, by XXXX XXXX XXXX XXXX orchestrated a fraudulent mortgage assignment on my property XXXX XXXX XXXX, XXXX, PA XXXX. This assignment was recorded on XX/XX/XXXX, the XXXX XXXX XXXX and XXXX Legal Title Trust, by XXXX XXXX XXXX XXXX both " Pooling and Servicing Agreements '' would have expired. There is a cut-date for ALL securitized trust. 

As a result, all entities violated Pennsylvania Law for Mortgage Assignments, TILA, RESPA, FDCPA, and leaving the consumer with a clouded title due to the numerous deceptive assignments.

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 2023-12-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
On numerous occasions, I have made principal payments on my HELOC with BMO Bank under account number XXXX and the lender credits it 2 or 3 days later charging me interest all the while having been paid. This dishonest tactic by the lender if making them potentially millions of dollars in ill gotten profits due to their dishonesty. 

I have tried to contact them on numerous occasions. Their system is set up through XXXX XXXX as the servicing agent for the lender and is next to impossible to get through. The system is designed to frustrate a customer and exhaust them into giving up. Reps who answer the phone after lengthy hold times, inundate a customer with endless " verification questions '' and some of the questions are trick questions like " when was this loan set up '' or " what is the current interest rate on the HELOC '' in a market where rates can change daily and answering these questions incorrectly will block the customer from being able to access their account. On multiple occasions, they have asked at least 5 or 6 trick questions desgned to exhaust the customer with the ultimate goal of not addressing my concerns about their dishonest and illegal interest calculations. Please step in and get them to follow the law and stop this abuse.

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 2023-07-12
Company: Block, Inc.
State: NJ
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:
I had some suspicious charges on my bank card so my bank contacted me. I told them that I had not made any charges that day then they proceeded to tell me it was from and escort/ dating service. I don't use such sites. So then the card was canceled and a new one is being sent out to me, in the meantime I had an {$800.00} withdrawal from cash app with my already canceled card, and even the bank let it go through, on a card that should no more exist. They return the {$200.00} in cash app that was supposed to go through

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions 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:
someone opened an account in my name This is not my account please remove

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 2017-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In  XXXX - XXXX , I made futile attempts to refinance my mortgage with Countrywide Financial at a time when a failing Countrywide was being acquired by Bank of America ( BofA ). I later tried to refinance/modify the mortgage with was BofA ; however, I became suspicious when given inaccurate information, told to skip payments, and learned that their mishandling of paperwork was probably the reason for the inability to service the mortgage ; so in  XXXX , I stopped making payments.
Needless to say, Bof A hired a law firm to pursue foreclosure (  XXXX  ). I responded with a Qualified Written Request ( QWR ), for the original promissory note and its assignments. A notice of insufficient response was also sent, and they consequently ceased collection efforts.
Three years later, BofA hired another law firm to pursue foreclosure ; however, they had produced a transfer of assignment, dated  XX/XX/XXXX . My complaint is not only was the transfer of assignment communicated three years late ; thus violating the mortgage contract, and the Real Estate Standards and Practices Act 12 U.S. Code 2605, but also that the transfer of assignment contains a commonly reported " robo-signature. '' Further, by having the second law firm file this fraudulent transfer with the   XXXX   XXXX   XXXX   Court, they have violated the National Mortgage Settlement.

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 2023-04-30
Company: EQUIFAX, 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:
XXXX, Equifax, XXXX have not removed this fraudulent account from my credit report. " XXXX XXXX  XXXX XXXX '' does not belong to me. 

I first reported this account in XXXX of 2022. I have submitted FTC Identity theft report 's on both XXXX & XXXX XXXX  who owns them. 

XXXX is in direct violation of Federal Law 15 U.S Code 1692 ( g ) Fair Debt Collection Practices Act ( FDCPA ) which requires them to validate such debt by providing All of the following : 1. The identity of the original creditor.

2. The amount of the alleged debt.

3. The name and address of the original creditor, if different from the current creditor.

4. The original lawful contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX ( the natural man ), and XXXX, that proves I agreed to pay the alleged amount. 
5. A GAAP accounting documentation ( both on and off ledger ) showing the exact asset ( s ) used to collateralize the debt.

It is my right to request validation of any purported debt under the Fair Debt Collection Practices Act & It is XXXX XXXX obligation to supply the aforementioned materials as requested which they have failed to do time and time again. 

Not only has XXXX not lawfully validated the debt but they have continued to fraudulently collect & report the fraud. 

I am now demanding XXXX to remove this fraudulent account from my report because it is identity theft & does not belong to me, was never lawfully validated, and furnishing this information is now another violation that XXXX, XXXX, and equifax are committing onto me which is continuing to cause me harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: ACCESS GROUP INC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
My private student loan is serviced by Access Group. 
Me and my wife declared bankruptcy due to medical debt. 
During the bankruptcy I was told the student loans did not need to be repaid until after the bankruptcy was final. This was true for my Federal loans, but not true for this private loan. 
I had made arrangements with the debt collections agency XXXX XXXX to pay {$200.00} per month to settle the debt. The last payment I sent to XXXX XXXX was on XX/XX/2019 for {$200.00}. XXXX XXXX said they would no longer accept my payments and I then had to pay Access Group Directly. I paid Access Group {$200.00} on XX/XX/2019, XX/XX/2019, and XX/XX/2019. 
On XX/XX/2019 I began receiving harassing phone calls from another collection agency XXXX XXXX XXXX. They said that my account was in collections and that I needed to pay the full amount, less than {$2100.00}. I told them that I had been repaying {$200.00} a month to another collection agency and then to Access Group directly. They did not have this information and could not confirm that I had ever paid on the loan. 
I called Access group where they were very rude almost unable to answer simple questions about my account like how much I owed and what the last payment was. They confirmed that the account was sent out to a collection agency due to an internal financial decision that was made. The representative I talked to was not able to share with me more than 1 previous payment history without a written request. The representative also said that my current balance due is over {$2400.00}. 
I have not received any mail or documents to notify me that my account is being serviced by a debt collector or that Access group will no longer accept my payments directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9600.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX  Balance : {$9600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 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 2017-05-19
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Back a few years ago, a friend used my name and address to obtain credit in his name. I was listed as a co-signer / authorized user. The  Visa Credit card account was finally closed with a balance. My friend and I agree since we both used the card, to pay off the card balance. Since the Visa Credit card was in his name and he paid half, I agree to pay the remaining balance. I moved out of state while to continue to pay the balance off. The statement was going to his home in  XXXX  and I asked Navy Federal Credit Union to send the statement to my new addr ess in  XXXX . I never gave my friend my new address, but I started to get pre-approved credit offers in the mail. I aske d Navy Federal Credit about this and their response w as " Subject : Privac y, Navy Fe deral Response  XXXX / XXXX /   2017  : Thank you for your messag e. Navy Federal protects the confidentiality of  your personal financial information. We do not sell your information. We only share information with nonaffiliated third parties when necessary fo r Navy Federal business purposes. For example, we share information with consumer reporting agencies. We may also share information with others to process   transactions, to offer products or services approved by  Navy Federal, or to  comply with laws. When we share your personal information with others, strict confidentiality agreements and laws assure that your information is pr otected. Navy Federal  is fully committed to the privacy of your personal financial information.     Your Message  XXXX / XXXX /   2017  : I am join owner of a  CLOSED Navy Federal  Credit Card  XXXX   XXXX   XXXX   XXXX  and I asked that you 'll send the paper bill to myself being that I was paying the bill. What I was n't expected is tha t Navy sha re this information thru some finanical system. I am now getting mail for  XXXX   XXXX  at my current address. Can you stop sharing my information with his name attached to it or please give me some advice in order that I stop receiving  his BAD m ail.      Navy Federal Credit shared my a ddress with  XXXX  of their third party who activated something in the financial system to send his bad collection notices and pre-approved offers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Yes, I received a letter from a new mortgage company, PHH loans Ocwen loan services bought, they are telling me that I ; m 62 DAYS in Default which is not true, Ocwen loan services cashed both checks that I was told was not payed.So now there new Company PHH loan services are saying I ; m in default.The account number is the one from ocwen loans, so tell me how is that possible that they don't know that PHH loans now part of ocwen loan services checks were cashed.I called PHH loans on XX/XX/XXXX, and was hung up on 3 times.It was when gave the account # in about 30 sec, then I was hung whats up with that? Also they have not sent any receipts.apparently the change of address a delay, I was not a notice at all a address or new company or nothing, in fact they waited two months to notify me I was 62 DAYS in default.The same thing happened 0n XX/XX/XXXX, when had changed a new address to sent the checks to.They also let 2 months go by sending a notice, by that time got to add late fee ; s everything and threatening me with foreclosure and what not, so can you help me? Thanks XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: WELLS FARGO & COMPANY
State: CA
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:
I noticed a number of unauthorized transactions in my account and reported them as fraud. I called both the merchant and my financial institution ; XXXX and Wells Fargo Bank. XXXX assures they do not have any record in their system for the transactions that all together add up to {$1000.00}. XXXX can not refund me the money since they have no record of me for those dates or amounts. I opened a fraud case for the transactions with my financial institution on XX/XX/2023 and they gave me a credit for the full fraud claim amount. Yesterday I got a reverse credit charge of the {$1000.00} charge from Wells Fargo. I called Wells Fargo and asked why ; they told me XXXX provided documentation that I indeed authorized the transactions, I asked for the proof of the documents and they said they would send them and I should receive them in 30 days. I was told they would not reopen my case or even be able to re-submit a fraud case for the transactions. I once again told them I DID NOT AUTHORIZED THOSE TRANSACTIONS and I was told I would need to call XXXX and get my money back from them. I called XXXX and they again told me there are no transactions in my account records with them so they can not give me money back and that they did not have any requests from my bank requesting any refunds. At this point I have been disconnected and hung up several times from Wells Fargo and I have a overdrawn amount of {$700.00} in my account. The reverse credit took the little money I had in my account until my next pay direct deposit and I am unable to buy food, gas, or pay bills for my household of XXXX that include XXXX XXXX people and XXXX children. Both Wells Fargo and XXXX stand on their grounds defending their positions and I am extremely overwhelmed by being the victim of this situation.

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