BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Multiple mistakes within escrow, now 2nd time to have to contribute to escrow in 4 years. The first time they refunded an overage, oops they refunded too much so they increased my mortgage payment. I paid that off and then the following year insurance issues mistakes occurred. I started to pay XXXX extra a month on my mortgage and they once again told me that my escrow would be short and I had to pay that into escrow. They canceled my homeowners insurance and paid my flood instead. They did this twice and then sent flood check to wrong office so more time past on insurance policy so I was stuck with getting less refund. My homeowners insurance went up XXXX bucks last year, about XXXX this year. Instead of letting me pay that total ... they do a projection and the projection shows in XXXX 2016 I will be negative. It doesnt matter that I have enough escrow now and would pay that before XXXX 2016 instead they want XXXX payments of escrow by XXXX XXXX, a bit over 30 days notice and if I dont I must pay XXXX more on my mortgage for a year. NO other payment plan accepted. My taxes didnt go up, they went down, only my insurance went up a bit and they wont let me pay that approx XXXX but want XXXX payments of escrow when Im not even in the negative yet!!! This bank has been consistently toying with my escrow. Just after this problem they send me in the mail a personal letter for a personal special to take out a loan. 
I have a direct line to the supervisor, Son ( his name ) and have talked with him on several occasions and he is very nice and polite and explained all this to me ... there is nothing I can do as this is their rules. 
I think they manipulate your finances for profit and that just isnt fair. I have my checking and savings with this bank, they see my finances and are constantly hounding me for business. 
I think this bank is walking a fine line of aggressive business versus appearance of criminal financial manipulation. 
How they can punish me with my escrow still in good standing, based on a projection that has not occurred yet is not right any way you look at it. I should have the opportunity to put just the amount in to avoid that projection and if not then they should add it to the mortgage but not at this point demand XXXX payments of escrow on a situation that has not occurred yet. 
Furthermore, the mistakes that has been made in my escrow in regards to refunding too much, then docking me for it, canceling my insurance and paying another kind, sending insurance payments to the wrong insurance office, all of which I as the customer discovered NOT Wells Fargo, is not acceptable and consideration should be given to what that has caused me in stress, trust and worry. 
I have checking, savings, car loan and mortgage with Wells Fargo and this is how they treat 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 explanation
Consumer complaint received 2015-06-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Our loan was with XXXX Mortgage - did n't verify income - loan agent told me to use any $ $ - after a couple of months - I could see loan it a " BAD LOAN '' tried to refinance but home was n't worth as much as the what we owed on loan. Sold to XXXX - Then to XXXX -In the middle of working with XXXX - loan was sold again - SPS is now the collection service company - I was told XXXX XXXX now owns the loan! 
I have been working with SPS since 2011 to get a loan modification - principal reduction - Well, I have gotten so many different stories as to what can be done or not done! 

We are trying again!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: MS
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/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 XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2016-05-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Overlimit fee

Complaint:
In the transition between XXXX XXXX XXXX and Citibank, my balance was not transferred from XXXX XXXX to Citibank completely. XXXX and Citibank sent out notices stating that because of a change from XXXX they would be closing all XXXX related american express cards and transferring the balances to Citibank, their new partner. Although I did not want this I had no choice. Now I find out that Citibank did not transfer the entire balance and would be reporting my account as over limit until. when I questions this the agent stated that he did not know what that report would do to my credit score.

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 2023-02-07
Company: CL Holdings LLC
State: FL
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:
Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
CAVALRY PORTFOLIO ASSOCIATES - This collection agency has been reporting inaccurate information on my credit file since XX/XX/XXXX, violating my credit rights. I have made an attempt to contact the collection agency and they are not responding to my dispute. I do not owe this amount that were stating for {$3900.00} and {$670.00}. More importantly the collection agency were not able to provide me a validation of the debt even though I have requested this multiple times since XX/XX/XXXX. This is a clear validation of my credit rights, a degradation of my character, and a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Selene Finance LP
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
ADDITIONAL INFORMATION TO BE ADDED TO OUR COMPLAINT : See attached files XXXX and XXXX. 
Thank you. 
-- -- -- -- -- -- -- -- -- -- -- We dispute the remarks and information provided by Selene Finance in their response. The fact that they responded to you at all is worthwhile, since we wait and wait for them to respond to us. 
The loan was transferred from XXXX to Selene in XXXX 2014, not XXXX 2014. If the loan was transferred in XXXX, why did we make payments through XXXX 2014 to XXXX? The proof of the payments is included in the excerpts we have provided within the Selene Finance document. 
Furthermore, they are not complying with the repayment agreement, and we were in danger of non-compliance on the second payment, because they did not take out the ACH debit as they stated they would, and as we signed for. Were it not that we called them at the last minute and made a phone payment, they would have found us deficient in our agreement - because of their inaction. 
Please review the comments inserted throughout the attached Selene Finance response document as our dispute to their findings. Our resolution to this would be to have a complete and thorough audit of our account, between Selene Finance and us as the consumer, to fix this mess. It does not help that they provide a more thorough response to a complaint than they do to the actual person whose loan they service. 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: Amsher Collection Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted XXXX by email and by phone this year. I have asked them to provide proof of the collections item that was sold to Amsher. The only thing I am constantly told is I just owe it. I am a consumer and I feel that I am entitled to a ledger that shows how I owe something from 2010. I have asked for a ledger and I have waited the 30 days or more for the XXXX back office to provide it and it has not happened. I have even asked that if the debt could not be proven to at least write it off. I can only be sent a statement with an amount but not anything with line items. I have suffered with a lower credit score due to this error on my XXXX and XXXX credit reports. There are many other experiences that have been shared by others who have disconnected service with XXXX and after a few years have a negative collections item to appear on a credit report. How can this be removed? I need all of the assistance that you can provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received notice from PORTFOLIO RECOVERY ASSOCIATES. about an alleged debt reporting on my consumer report that I was requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210 ; therefor I demand VALIDATION and VERIFICATION of this alleged debt. I certified mailed this letter to PORTFOLIO RECOVERY ASSOCIATES on XX/XX/2022 which I have proof that I sent it and they received it. But never sent me the Documentation I requested. 

Again on XXXX XXXX I sent PORTFOLIO RECOVERY ASSOCIATES another letter requesting all of the documentation for VALIDATION and VERIFICATION of this alleged debt they said I own them and one again they never sent it to me. now please keep in mind they I have gave them a substantial amount of time to get me all the documentation but they still haven't gave me what I asked for Now this is my third attempt reaching out to PORTFOLIO RECOVERY ASSOCIATES on XXXX XXXX for the documentation that i requested months ago asking for VALIDATION and VERIFICATION and once again they haven't sent me the proper documentation that I have been asking for. 

XXXX. Account number - XXXX XXXX. Account number - XXXX XXXX. Account number - # XXXX XXXX. Account number - # XXXX - IN ACCORDANCE WITH THE FDCPA 15 USC 1692- I THE CONSUMER HAVE THE RIGTH TO PRIVACY - ALSO IN ACCORDANCE WITH THE FCRA 15 USC SECTION 604A SECTION2 - IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Resurgent Capital Services L.P.
State: AE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have the same complain with XXXX XXXX Bank XXXX who allowed a thief to open an account in my name without verifying their credentials. They in turn sold the debt to LVNV Funding LLC who I contacted and explain that this debt wasnt mine and that I was a victim of identity theft. However, they have refused to remove it from my credit report nor have they even attempted to investigate my claims of fraud and just ignored me. They also are using out-sourcing call center to shield the parent company from complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: HW Holding, Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hunter Warfield Inc. ( XXXX ) calls me DAILY ( every morning/every evening ) at my home phone seeking a " XXXX XXXX XXXX ; ref. Acct # XXXX. '' I have told them REPEATEDLY she moved from this address to XXXX, in XX/XX/XXXX, and I do NOT have any contact with her nor do I know her current whereabouts. On XX/XX/XXXX I filed a complaint with the FL XXXX ( Complaint ID # XXXX ), and Hunter Warfield agreed to XXXX NOT to contact me anymore. I accepted their resolution and the case was closed early this morning ( XXXX ), and then they called AGAIN at XXXX ( Robocall! ). I have emailed Hunter Warfield ( XXXXXXXXXXXX ) an " alternate '' family member 's contact information ( who MAY know her current whereabouts ), and yet they CONTINUE TO HARASS ME VIA PHONE DAILY! I want this STOPPED! I suspect XXXX XXXX has used both my home address/phone no. to fraud those to whom she owes money and probably skipped out owing rent from somewhere, as she did here.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I was involved in accident  and car was totaled. The insurance company asked for 10 day pay off amount and the loan company provided the amount the insurance company paid off the amount and they had to do a gap insurance because we live in NY  for like XXXX  or XXXX  and the loan was done with that loan that loan company. After taking extra payments on my checking account the loan company is saying that we owe more. Once a payoff amount is given it should void everything else because thats interest amount

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 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anywayXXXX 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 2020-09-28
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX see ftc attached all wrong

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 2017-03-01
Company: Amsher Collection Services, Inc.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XX/XX/2017 i send a certified letter to Amsher collectio for debt validation they recived the letter on XX/XX/2017 in my credit report show that Amsher collection was delete on XX/XX/2017 in XXXX but in XX/XX/2017 was reinserted in my credit report in XXXX and i didnt recived any notification in writen dont even from XXXX or Amsher collection that is a violation of the Fair debt collection practicies act and also violation of the Fair credit reporting act section 611 today XX/XX/2017 i dont recived any validation letter from Amsher collection they steel reporting negative information in my credit report XXXX know about the problem but they dont helpfull Amsher cant report any more negative information until they send validation of the debt like my certified letter said

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Amsher Collection Services, Inc.
State: MO
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:
I have a current issue with XXXX XXXX. They agreed to pro-rate my last invoice. They forgot. I have made several attempts to resolve. I owe for XXXX. They stated, once, they were going to pro-rate the debt. I agreed to send them what I owe them. 

Amsher Collection Agency has called me several times over the past XXXX weeks or so. Each time they called, I disputed the debt. 

Today I spoke to XXXX at Amsher Collection Agency. She said the dispute ca n't be verbal but mandatory, must be in writing. I asked her to check because I thought she was wrong. 

She went on to say in order to get the dispute process started I must make a goodwill payment, what? She then repeated her statement and said yes I have called several times and claim I do not owe the debt but dispute must be in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transa

ction. Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original a
pplication bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX BANK Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # GWHZXXXX 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