BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
At XXXX, I received a phone voicemail from my XXXX XXXX to call back. 

" Please do not disregard this message... I'm calling to verify a current address as were as a place of business address to proceed against you at this time. You are forfeiting your right to take care of this matter. We will contact your human resource department to follow proper protocol and procedure to move forward with the next steps. Again, the client is willing to rectify this matter they hear from you today, their number is XXXX and reference your client number XXXX XXXX and ( XXXX ) this my final attempt. You've been officially notified '' At XXXX on XX/XX/XXXX, I received a phone message from XXXX from XXXX XXXX XXXX immediate contact about an outstanding balance with HSBC XXXX XXXX XXXX. 

I called the number and spoke with XXXX XXXX from XXXX. XXXX and he stated that I had an outstanding balance of {$1500.00}, with the option of litigation and collections of garnishment of wages. He provided me with only XXXX option, pay {$1000.00} within the end of the day or receive garnishment litigation. 

I informed him that I didn't have any money to make any payment until XX/XX/XXXX, but he didn't want to accept and instead informed me that litigation will proceed. 

I then contacted HSBC, or which I never had any account, and confirmed that my personal information was not in their databases. No social security number, no phone number reference, and no address cross reference. 

I then contacted XXXX XXXX and the phone went directly to XXXX. He said that the reason why the information from HSBC was sold to XXXX XXXX already for collections. I asked him for documented mailed announcement before a review of the claim, and he stated that I was to provide a credit card number before he would provide the documented information. I then did a quick credit history and there was no information of HSBC on my credit history. I then informed him that I had discussed the matter to HSBC and he informed then that litigation and garnishment will proceed and told me to have a nice day. 

I see this as a scam, because I haven't been eligible for any credit cards since pre XXXX 's. I've used only XXXX Debit card from XXXX bank since XXXX and do not see any validity to the claim that I am owed any about because I didn't have any account with HSBC. 

The person is XXXX at XXXX XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION TO AARGON AGENCY INC ( 01 STOR AMERICA ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$310.00} does not belong to me. This account was fraudulently opened through this company AARGON AGENCY INC in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN OR ACCOUNT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2022-05-02
Company: CAINE & WEINER COMPANY, INC.
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was not sent in error XXXX XXXX XXXX  consumer by law at ang information XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate sa credit XXXX. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA XXXX XXXX Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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: Account information incorrect

Complaint:
Hard Inquiry from XXXX CARD SERVICES on XX/XX/2022 which is fraud. I want it removed from my credit report Hard inquiry from XXXX FS on XX/XX/2022 which is fraud. I want it removed from my credit report Hard inquiry from XXXX on XX/XX/2022 which is fraud. I want it removed from my credit report. 
Hard inquiry from XXXX XXXX on XX/XX/2022 which is fraud. I want it removed from my credit report Hard inquiry from XXXX XXXX on XX/XX/2022 which is fraud. I want it removed from my credit reopt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX, when I was XXXX my mother opened a credit account in with XXXX XXXX with my name a social security number. The account stayed active and open until XXXX. During the entirety of this time my mother lived with me and at the home I was eventually able to purchase until she moved out end of XXXX due to our differences, in that time she was collecting the mail and filtering out these bills while I was at work. I made many attempts to close the account by calling XXXX XXXX and letting them know what was going on while attempting to buy my first home in XXXX when I realized she had done this again and they refused to shut the account down. She had a long history of creating credit accounts in my name and my younger brothers name and then no making good on them ( XXXX, XXXX XXXX gas station to name a couple. The account has now been transferred to collections with XXXX XXXX XXXXXXXX I have tried to negotiate just to make it go away, I have disputed the account to no avail and the only confirm the account by sending my the last bill. It is unfair to continue fighting for almost a decade with a company about an account that was opened by an irresponsible credit seeking parent and for me to continue to pay the price while I clean up my own credit issues from a divorce. I would like this account removed as I never had knowledge of this account until it was too late and XXXX XXXX refused to do anything about it and at one point accused me of lying to get out of the debt. XXXX XXXX XXXX has been no help with the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: TD BANK US HOLDING COMPANY
State: NY
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:
On or about XXXX/XXXX/XXXX my husband transferred XXXX from our money market savings to checking. When he tried to cash from the ATM machine it showed a minus amount. 
When he went to the bank officer she informed him a funds were taken from the account over a period of number of weeks.The account was frozen and a NEW Debit card was issued. I tried to use my SECOND Debit at a whole foods only to be rejected. I then went back to the SAME bank officer only to find out that XXXX was taken from our money market savings ( a prior attempt of XXXX was rejected ; however if the amount requested was under XXXX it would have been processed.How was it possible that funds were given after numerous attempts were made over the daily allowable amount. 
I never used my card yet within XXXX hours funds were taken to date the amount is over XXXX  with additional overdraft charges. There is an investigation currently by the XXXX Yet the Bank refuses to restore any funds saying that a proper Pin # was used. I would not be in this position if it was a wrong Pin # As we all know bank cards and pin # can be cloned as per a FBI public service advisory states.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
To XXXX XXXX, Equifax To Whom it may concern my name is XXXX XXXX. I am the person who is filing this complaint on my behalf. On XXXX I sent a letter regarding inaccurate and unknown things on credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My Information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I submi
tted Complaint # XXXX and Ally Bank still did not fix the problem. I do not know why the CFPB closed the complaint. THE COMPLIANT HAS NOT BEEN SOLVED!!!!!!!!!!!!!!!!!!!! C.O. OF Ally Bank called me to harass me on XX/X/2017atXXXX. The CFPB is doing nothing about this. When I asked to speak to C.O. 's Supervisor he hang up on me. I am told that Ally Bank and the XXXX XXXX XXXX sold the XXXX XXXX that I retruned and made money off of I but I am still being charged {$2000.00}. I want CFPB to contact Ally Bank and XXXX XXXX XXXX  since they are in partnership to rip off the consumer by selling a XXXX that I leased at a profit and then charging the consumer {$2000.00} for excess mileage.
What is the CFPB going to do about this???
Is the CFPB really trying to 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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the accounts listed below have violated my rights. Under XXXX XXXX XXXX section XXXX A. States I have the right to privacy. Under XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. Based on the above laws i am requesting the deletion of the following accounts that are showing in collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT

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 2017-06-30
Company: American Credit Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am in the process of building a new home. My lender discovered this debt from a previous XXXX on my account with a collection. I do not owe this money, but I paid it anyway to clear it from my credit report. I contacted the collection company on X/XX/2017. Almost immediately I received notification from the XXXX  office stating the collection agency contacted them and I can call their office for payment. I contacted the XXXX office that day and made payment over the phone. I then notified the XXXX office and the collection agency that my lender needs a letter from the collection agency ( since they are the now owners of the account ) stating my name, account number, balance owed, with their name address on their letterhead. I have requested this everyday since then, and they even refuse to respond to my request. They have just ignored me. I even contacted the dentist office back and have asked if they could help, and they ignore their request as well. No correspondence from them what so ever. This is potentially costing me several thousand dollars in possible interest rate hikes, delay in breaking ground. I feel I have been patient enough for a bill I did n't even owe in the first place. They responded immediate when I wanted to pay my bill, and now will not even respond to me or their client. I have done what I am supposed to do and this bill of {$260.00} is costing me thousands because of their disregard. Please help. Thank you.

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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts do not belong to me, please block and remove per 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 2017-06-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received notice from Carrington Mortgage Services, LLC of my ineligibility for a home loan modification program because my Request for Mortgage Assistance ( RMA ) was received after XX/XX/XXXX the last day of the program. See document 1 and 7 This is not true I XXXX the form with current documentation to Carrington MS , LLC, XXXX, Ca. on XX/XX/XXXX. It was received XXXX XXXX on XX/XX/XXXX and signed for by XXXX XXXX. See document # 6. <P/>I was denied assistance because the Debt-to-income ratio calculated from the information I supplied in the RMA was not in the required range. See document 5. I spoke with XXXX at Carrington on XX/XX/XXXX and determined I had put the HELOC monthly payment used to calculate the ratio on the wrong line causing it not to used n the calculation of the ratio. I appealed the decision using an estimate of the reset HELCO payment based on information from the current economy. The HELCO lender would not provide the new payment amount. I filed CFPB complaint # XXXX to get the amount from the lender. I in order to file the appeal by the deadline. <P/>Just after I filed appeal the HELCO lender provided the amount 2 days later. See document 2. I spoke with XXXX of Carrington asking how I could get the new information included in the appeal I just filed. She said do n't worry she would send me a new application. I had my doubts about using a new application so I enclosed a letter explaining it included the new HELCO payment information with lender documentation since the Appeal was denied because of documentation. see document 3 and 4. <P/>This new application sent by XXXX must have been interpreted as a second attempt to apply for a modification when all I wanted was to include the newly received HELCO lender documentation and amount in the with the appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/XXXX2017 called my bank because an account that was closed due to wifes purse being stolen was reopened by XXXX XXXX when they ran ach payment on the account the account has no money so why would I want payments ran for account that has no money and your going to charge my account overdraft fee so now they are saying I owe them {$80.00} and said they will continue to charge me every time XXXX XXXX charges my account with ach and the monthly fee which is XXXX for an account I'am not using. this company has no reasoning or common sense and when did it become right for people reopen a account in my name with out my permission. Planning to bank somewhere else which could be what they are trying to due because I reported for there excessive fees for everything and claiming customer service but not solving customer problems by fixing them. Sorry you just got a report from about another company but just so you know the world is in chaos when people can just steal your hard earned money right to your face, last time I checked my XXXX where the XXXX XXXX and XXXX from the work I did not theres but they get my money for free again. Just want this on record, it 's up to you guys if you want to do anything last time they XXXX me and they will just keep XXXX people and the other complaint nobody still has called me. Thanks Fro Your Time

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 monetary relief
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In attempting to apply for a home Loan equifax would not release my report After numerous calls to them they claimed to have my name incorrect as well as address needed update. 

I faxed the information to them on XX/XX/XXXX I followed up and they claimed not to get the fax I then sent them another fax, as well as a certified letter. 

I followed up with them again today and the information had been corrected. 

However equifax is STILL not releasing my credit score or report to XXXX or XXXX. 

This is severely impacting my life and I dont know what to do at this point. Numerous calls to equifax and Im being told there is no issue- but they still wont release my score to my banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Advantage Financial Service LLC (Idaho)
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received notice from Mortgage broker that had collection account on my file from Advantage Financial Services, called company requesting a validation od debt, advised they would not do it, should get from original creditor, stated they would make sure thus stayed on my credit report, even if not accurate information. I called original creditor ( XXXX XXXX XXXX XXXX, who emailed me a statement, showing that there charges were based on a physical inspection made on premises XXXX/XXXX/XXXX, this was amazing since I didnt move my property out until XXXX/XXXX/XXXX, have pics and phone logs showing I called original creditor, to set up walk thru time for premises, subsequently call Advantage back. spoke with XXXX, stated she does see the XXXX/XXXX/XXXX date, as date of inspection, but does not care if information is not correct, advised her that her company under FCRA has obligation to provide accurate information to credit bureaus, stated it is her job to collect money and does not care if my credit report is not accurate, threatened to sue me and I advised her that would be perfectly fine. Every company has an obligation to make sure the information they provide is accurate to Credit Reporting Agency and these people will not confirm information is correct,  costing a higher interest rate on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: IN
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 
Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Company response to consumer: Closed with explanation