BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX granted a mortgage to Beneficial Homeowner Service Corporation ( " Beneficial '' ) in the amount of {$23000.00}. Said mortgage was consolidated with a new loan with Beneficial in the amount of {$35000.00} on XX/XX/XXXX to form a single lien of {$58000.00}. Said consolidated mortgage was further consolidated with a mortgage dated XX/XX/XXXX in the amount of {$44000.00} to form a single lien of {$100000.00}. On XX/XX/XXXX, Beneficial caused a satisfaction to be filed in ACRIS, in CRFN XXXX, unfortunately said satisfaction contained the incorrect amount to be satisfied and incorrect mortgage recording information. A request for a corrected satisfaction of mortgage was received by Beneficial on XX/XX/XXXX and signed by a XXXX XXXX ( see attached ). Follow-up calls to Beneficial were met with " we have not received the request '' to " it 's being worked on '', all on the same call. On Monday, XX/XX/XXXX, XXXX in the lien release department informed our office that this matter is being handled by their bankruptcy department. XXXX from the bankruptcy department advised our office that they have not received the request and can not find this particular loan and that there are other loan but they do not list the amount. XXXX XXXX is in the process of selling the property and due to Beneficial 's inability to process a satisfaction of mortgage/lien release, XXXX XXXX is in jeopardy of losing the property in a foreclosure action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: EQUIFAX, INC.
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:
Equifax ; XXXX and XXXX  are reporting incorrectly a collection in the amount of {$1100.00} on the XXXX XXXX XXXX/XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account was billed incorrectly and should have been submitted directly to the provider. ( I have attached a copy of my insurance card for reference. ) I had insurance coverage at this time. This incorrect reporting of a collection I do not owe is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: Ability Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THESE ACCOUNTS WERE OPEN BY THIEF AND NOT ME. There has been multiple collections placed on my account from XX/XX/19 for {$130.00} XXXX XXXX, XX/XX/19 for {$840.00} Ability Recovery, XX/XX/19 for {$760.00} ( XXXX XXXX XXXX  ), XX/XX/19 for {$1600.00} XXXX XXXX  ( XXXX XXXX XXXX ) with no valid documentation provided!!!. IVE REACHED OUT TO THE COMPANY TO INFORM THAT IM UNAWARE OF THE DEBT, IM FULLY INSURED AND HAVE NOT BEEN HOSPITALIZED TO OCCUR SUCH DEBT OR TREATMENT. IVE EVEN WENT AS FAR AS DISPUTING ON MY CREDIT REPORT TO NO RESPONSE..I AM PUNISHED WITH A LOW SCORE THAT HAS IMPACTED MY LIFE TREMENDOUSLY, I CANT EVEN GET MY FIRST CREDIT CARD BECAUSE OF THE MALICIOUS FRAUDULENT INFORMATION ON MY CREDIT REPORT! I HAVE REQUESTED ON NUMORUS OCCASIONS A PHYSICAL VERFICATION OF THE ORGINAL SIGNED CUSTOMER CONTRACT OF THE REPORTING ITEMS AFFECTING MY SCORE MY LIVELY HOOD IS IN SHAMBLES DEALING WITH THIS. VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT IS REQUESTED, I DEMAND TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A INK SIGNATURE ON IT. COPIES ARE NOT VALIDATION AND ARE NOT CONSIDERED PROOF THAT YOU HAVE PROOF I SIGNED AND CONSENT!

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 2017-11-14
Company: Eltman Law, P.C.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Who is XXXX? This company attempted to sue, garnish bank account and is now taking my money. They claim they purchased this debt from XXXX but will not provide proof. I need copy of proof that I owe these people. I need a copy of the transfer of debt from XXXX to XXXX. I am uploading copies of documentation where are companies sent me letters regarding this debt. Why are there so many different companies attempting to collect on the so claim debt purchased from XXXX but refuse to provide proof. They all are in violation of FDRCA and FCRA. Please help to rectify this problem. They also tried to garnish my bank accounts ( see attachment and contact my bank for proof ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Accelerated Receivables Solutions
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was sued and garnished for a debt that was not mine and eventually had to file bankruptcy. My sons father, not my husband or ex husband we were never married and never lived together, was court ordered to pay {$370.00} in support as well as keep my son insured till he was XXXX. My name is no where on his bills but because my son lived with me I took him to his appointments. There was consequently no communication from the doctors with me about billing for his appointments. And by the way I was covered by health insurance through the XXXX when these bills for my son were accrued. My son was not on our insurance because he was on his fathers. He subsequently did not take care of his bills or giving the doctors office the proper information they needed to bill his insurance company so his debt went to collections and some how they sued me I did not know until they started garnishment of my wages. I called them immediately and explained these are not my bills and the gentleman laughed at me and basically said whatever! The amount was almost {$6000.00}. So I filed bankruptcy to get the garnishment stopped but when we put the bankruptcy together I had none of my own debt to contribute to it. I dont owe any money, I dont have credit cards. If I need something I pay cash. So why should I have to ruin my credit by filing bankruptcy for his bills? We go to court XX/XX/XXXX for the bankruptcy and I dont want to file it. Its not my debt I shouldnt have to ruin my life for his incompetence. They should not have even been able to sue me for these bills. On top of all of it I have to pay a lawyer {$1800.00} for the bankruptcy. Its none sense. What can I do? Remember he was court ordered to keep my son insured doesnt that mean anything?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$1100.00} on the XXXX XXXX XXXX   PAYMENT DATA account number XXXX. ( Please see page attached from my credit report. ) This account was billed incorrectly and should have been submitted directly to the provider. ( I have attached a copy of my insurance card for reference. ) I had insurance coverage at this time. This incorrect reporting of a collection I do not owe is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Company advised XX/XX/XXXX was being removed from credit profile allow 30 days it went past that I contacted the to follow up XX/XX/XXXX again their reps reconfirmed that XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX were being corrected and should be reflected on my credit profile XX/XX/XXXX they were not I cancelled insurance and additional warranty features representative stated multiple times those would push back payments when they received the lump some check the rep was advised to have been provided a company coaching as she handled improperly and account was messed up from reps removing payments and reposting citing they needed to to remove late fees as their system is old and it is their only way. 

They were showing payments during times where no payments were made had my info mixed with another their system is down often and when I got the vehicle I was advised it could be converted to automatic by XXXX whom I contacted they advised no when I advised during 48 hours we no longer wanted I was hung up three times and transferred place to place saying consult dealer than dealer sent me back synchrony so nothing but the run around

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 2022-03-02
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello XX/XX/XXXX I believe or XX/XX/XXXX I sent money to a friend I meant to send it from my debit card because I know transactions usually come out right away this transaction I did through Venmo I sent my friend some money I guess when it was time to have them take the money out they said venmo gave the money on my behalf which I never asked them to do and nowhere in any of their polices that I saw or asked a rep by the name of XXXX to provide me with a policy or something that clearly states venmo will front the money on your behalf if its not there because I still got a nfs fee by my bank so that was already taken care of but venmo fronted the money so now they want me to pay XXXX dollars because I did pay XXXX dollars and then XXXX and then I thought why am I paying this I did not ask anyone to front the money for me I didnt ask anyone to do anything for me so I strongly believe I dont owe anything I should not owe anything I provided polices that I found on venmo account I just got done talking to XXXX they sent the transaction to collections already and I spoke to a. XXXX yesterday who said I have to pay it meanwhile venmo doesnt say anywhere on the policy that I have read that says they front the money on your behalf because if that is the case I shouldnt of received a XXXX dollar fee from my bank which I have proof of

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-10
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I used Venmo to sell an event ticket ( which I only found out after the fact I could n't do or I would n't have done it ). Venmo cancelled my transaction of over {$1200.00} and took the money from my account. The issue is n't with the {$1200.00} ( if it is indeed fraud then I may be out that money and just have to " XXXX XXXX XXXX '' if you will ). The bigger issue is the over {$490.00} that is still in my Venmo account that I can not transfer to my bank account. Venmo is holding this money " hostage '' essentially. I have not heard back from their customer/account representatives and I need this money returned to me as soon as possible so I can use it to pay critical bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-14
Company: EQUIFAX, INC.
State: TX
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:
To Whom It May Concern, I received a notice of data breach from Equifax on XX/XX/17. This included accessing supporting documents that may have included my government issued id, home address etc. 

Due to the sensitive nature of the information revealed in the data breach, I have requested from all 3 reporting agencies including Equifax remove all of my private information from its and its affiliate servers and anywhere/all places that information is stored. This information, including my name, social security number and accounts are being stored without my consent and to please remove and destroy any and all information immediately. 

They have not complied. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While in the process of trying to get a home, I discovered that my score was lower than it should be, due to two new collections being reported by Commonwealth Financial as of XXXX 2017. I do n't understand why I would have new medical debts, since I am insured, but I am especially confused by how a company that is n't licensed to collect in my state ( Florida ) can be reporting and verifying debts to reputable bureaus. I have had this issue with the same company in the past ; Commonwealth was apparently trying to collect these same accounts from me about a year and a half ago. I was, luckily, able to have the accounts removed from my credit report after disputing them. But it is very stressful to see they can just continue to report new, erroneous debts whenever they 'd like.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
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: Information belongs to someone else

Complaint:
I have Been A Victim of Identity Theft

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 2019-10-17
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:
I have Been A Victim of Identity Theft

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 2019-10-17
Company: Harmon Law Offices, P.C.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This business is the foreclosing representing law firm for XXXX XXXX XXXX Bank, NA and presently about to illegally foreclose on my home advertising in my local newspaper XXXX XXXX XXXX today or tomorrow, with false information. Please see attachment showing document expert proving that there aren't any Negotiable Mortgage And Promissory Note documents to legally foreclose on but are moving ahead anyway. This must be Stopped! 
Please also see the notice of foreclosure using wrongful illegal information slandering me publically and deformation of character etc ... BOTH THE PROMISSORY NOTE AND MORTGAGE ORIGINALS ARE NOT NEGOTIABLE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: CL Holdings LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX it said I opened a XXXX account I was only XXXX I could n't open a account for myself someone used my name. When I checked my credit score XX/XX/XXXX I  noticed I owe {$570.00} and I disputed because it wasnt my account and I never received a bill to my house. In XX/XX/XXXX I spoke with a representative they agreed the account wasnt mine and that I could go back to XXXX again. She never told me to send in any documents because I didnt have any it wasnt my account. I spoke with them today and they told me I had to file a claim to get it off my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My home was broken into and the personal information of myself and my spouse was stolen. After we reported the incident, a few months later we receive a collection letter in the mail for an amount of XXXX. We went to the originating company and advised them that it was fraud and they were not willing to help us and stated that they already sent the file to the credit collection company and we would have to deal with them. We have reached out to the credit agencies and provided police reports showing that it is fraud and they are un willing to help, even when the first thing their recording says when you call to speak to them, " We are only collecting a debt that you owe '' and I do not owe the debt because it is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I overpaid my Home depot credit card on XX/XX/XXXX by {$1000.00} and have called 8 times and 9 hours on the phone to receive the refund back. They've told me several times they will return the money, but still have not done so. I've proven thru XXXX XXXX XXXX it was sent directly from my account. They have acknowledged receipt of the payment and overpayment and keep telling me " the check is in the mail ''. I've given them my banking routing numbers ... and still have not returned the funds as of XX/XX/XXXX. It's my understanding they are required to return my $ $ no later then 7-10 days. It's been 21 days and I want my money back that's due 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 explanation
Consumer complaint received 2022-01-08
Company: EQUIFAX, INC.
State: UT
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 have previously disputed with transunion, XXXX and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I leased a vehicle with XXXX XXXX XXXX in XXXX XXXX for three years. In XXXX XXXX I had paid in full and never had a missed payment however, upon calling one day I talked to someone who was very unhelpful and rude at XXXX. One week later 8 missed payments showed up on my Transunion XXXX only XXXX credit report from XXXX ( 4 ) and XXXX ( 4 ) dropping my score XXXX points. I called XXXX who told me I had always prepaid and never had any missed payments, so I filed a dispute with Transunion on XXXX XXXX. By XXXX XXXX I received a letter from Transunion that XXXX provided them all documentation and XXXX removed the erroneous information. I never received an explanation of how someone goes backwards 1 1/2 years and adds inaccurate information though I do believe it was the gentlemen I upset XXXX XXXX who did it. My credit score went back up over an XXXX and the account was closed in perfect standing and all my checkboxes were green with no missed payments. Today I check my credit score and once again XXXX reported all the same erroneous information that was just resolved. I contacted Transunion and they verified that XXXX once again did the same thing on a closed account that XXXX just removed from the account. The Transunion women told me I should contact you because she too thinks this is very shady and that she has never seen anything like this. To the point she was going to call XXXX on my behalf. I truly believe XXXX has a gentlemen on their payroll who is purposely and maliciously opening my closed account and re-reporting information that they just removed. When I called XXXX, they will not let me speak to the department who reports it, informed me I once again had to wait 30-60 days for them to research it and that they could not tell me why this is repeating itself. As a matter of fact, they are completely not willing to provide me with any answers. I asked them to reopen my old dispute, they said they ca n't. Long story is I can not speak with anyone who can help me in a timely manner, they once again dropped my credit score XXXX points and I feel this is going to continue happening over and over again. Please help 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 2017-07-09
Company: V and H Portfolio
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted  by Vance & Huffman abou t a year ago about I debt I owed to a company name  XXXX   XXXX   XXXX  to Own. I told the representative on the line that the debt was n't mine because I have never lease anything from this company. I asked the representative when did the debt occur, what date, what was the product, and what address was the product delivered to. He had no answers. After calling a few more time the call from the collection agency ceased. On  XXXX   XXXX ,    2017, Vance & Huffman  attached this collection to my credit report despite me denying I owe this debt. I have received absolutely no communication via mail. Not even an account number so I can request a letter of validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief