davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BBVA FINANCIAL CORPORATION (VA)

I opened this account at the beginning of XXXX with BBVA Compass. I lived in XXXX because work, and I left the country in XXXX XXXX to work in XXXX. I kept opened the account in case I was coming back. I left to the XXXX XXXX address, my email and I left the credit card in autopay. I left also money in the checking account link to this account. I found the account in collections last year, XXXX XXXX, when my company sent me back here. I tried several times to change my address and fix this with the bank with no luck, so I closed the checking account and full paid the ''supposed debt ''. Then I request several times a statement to proof if I owed that money and to know where it came from. I did because my acknowledge of the rules here. In XXXX and XXXX, you paid and then claim if it was an error to avoid troubles. The bank told me by phone they would send a statement. I wrote letters with my data, address, phone, SSN, copies of the credit card, ... I never received anything or explanation. 
I claimed to the bureaus, but the information in the credit reports is not changing and it is confused, looks different in all of them and even different if you check on your phone or your check in your computer. 
I paid to XXXX XXXX to help, and for 3 months they didn't solve anything or gave me a clear information about how to manage this. I have spent around XXXX XXXX dollars to fix a ''supposed debt '' of XXXX dollars. I couldn't find an apartment to live without a co-signer. I have an annual salary of XXXX dollar and an international company covering my expenses, I have been working with them 15 years now around the world. 
I never missed a payment in any country for my rent, or my mortgage in XXXX, or utilities, nothing. 
I have asked a loan to Stilt just to build credit, when I didn't need it, only because this, and open accounts I wouldnt if wasn't for this to try to improve my credit and be able to rent an apartment without have to ask favours to friends to be my co-signers. No way to think in invest in a house here. I could have bought one with a good down payment, but instead, I have to spend and I will spend around XXXX dollars in renting during years. 
Please, I ask some help here as this is so unfair.
Consumer complaint received 2018-06-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

We have sent XXXX of US {$250000.00} from XXXX to XXXX XXXX against purchase of goods as on XX/XX/2018. The fund was remitted from XXXX XXXX XXXXXXXX, XXXX to XXXX XXXX XXXX USA, further transferred to XXXXXXXX XXXX XXXX XXXX, they further transferred to HSBC USA for transfer to HSBC XXXX XXXX for final credit to beneficiary. It's already 23 days now, we are following every night from XXXX & XXXX XXXX, but not getting any response from HSBC USA,  who holds our fund from 23 days. Neither they have intimated the sender nor to beneficiary, the reason to hold. We are attaching herewith copy of BOI-USA requesting XXXX XXXX to follow up with HSBC-USA AND also copy of earlier reply from XXXX XXXX XXXX XXXX XXXX XXXX No : XXXX. Even we have tried to contact XXXX XXXX XXXX & HSBC USA directly on phone, but they have denied to reply on any of our query. 
Kindly do the needful. Thanks.
Consumer complaint received 2021-11-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (OR)

I am XXXX payments behind on my mortgage with XXXX XXXX Mortgage due to financial difficukties due to the pandemic. I requested mortgage assistance from my XXXX XXXX, ( XXXX ), who offered a number of different options, including adding the XXXX payments to the principal, or getting a XXXX  interest loan from the government to catch up, and the loan would be added to the back end of my mortgage. I spoke to XXXX a few times about what was required to submit my request and application and I provided what they asked for along with additional proof that my financial issues were directly cause by the pandemic. I was told that it would take XXXX weeks for determination. I thought I did due diligence. 
I evicted a tenant who was in the lower unit at the property after not receiving payment for XXXX months. I live in another state and had a trip planned in XXXX weeks to repaint, do repairs, and re-rent the aprtment. XXXX XXXX immediately changed the status of my property to " Vacant '', although I have XXXX other occupied apartments in the building. XXXX XXXX, ( an independent contractor with XXXX Inspections in XXXX  ), then broke into the recently vacated apartment and changed the locks, right after I had paid to have the locks changed. They posted a notice on the door that the property was now under the management of XXXX XXXX XXXX. None of the phone number listed on the posted notice for XXXX XXXX XXXX are answered. XXXX inspections do not aknowlege XXXX XXXX as an employe, or that they know who he is. I called XXXX and they admitted that they had listed the property as vacant and gave me a number for XXXX, a property preservation company that was supposedly handling my case. I called XXXX, and they had no information about my property, but they admitted that XXXX gives out their number very frequently. XXXX  is giving me the run around and, scaring my tenants by making them think my property is for sale/foreclosed and lying about who is managing the property while at the same time telling me that they " will work with me '' to find a way for me to better afford my XXXX late payments. They also sent me a notice saying that they require proof that the property is insured, although they pay my insurance policy with XXXX quarterly directly. I don't think harrassing my tenants or not telling me what they are doing is legal and of course it is immoral, not that I can expect that. Feel free to TRY to reach anyone at the telephone numbers provided by the property preservation company. What is my recourse if any?
Consumer complaint received 2022-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc. (CA)

Collecting debt from me of XXXX which has been paid XX/XX/2022. I went to XXXX XXXX XXXX XXXX  last XX/XX/2022 to tell them about this and told me they will email the debt collection agency to remove it but again i received a email about this debt collection again.
Consumer complaint received 2022-04-26
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bonneville Billing and Collections (CO)

This was not sent in error ako ay isang consumer by law at ang information ko ay na misused at ngayon I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Consumer complaint received 2024-04-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kelsting Group, Inc. (CA)

On XX/XX/XXXX, an XXXX XXXX XXXX XXXX XXXX helped me contact the company that attached a negative collection debt on my credit report. I thought this was a fraudulent act initially. However, when Pacific Credit Service was reached by phone, I found out this collection was for a medical claim from XXXX XXXX XXXX that should have been paid by my medical insurance company, XXXX XXXX. The Pacific Credit Service representative, XXXX, stated the bill was mailed back in XX/XX/XXXX from the XXXX  department to my address WITHOUT my unit number, as it was unknown. Moreover, Pacific Credit Service also claims they mailed a collection notice with the incorrect mailing information sometime in XX/XX/XXXX. I never received either invoices, nor did either entity have my medical insurance information. On XX/XX/XXXX, I also provided my medical record number and correct mailing address. Pacific Credit Service was going to mail XXXX XXXX Claims Dept. the bill, as I provided the mailing address. I was hospitalized from XX/XX/XXXX to XX/XX/XXXX, at XXXX XXXX XXXX and was admitted as an XXXX  XXXX XXXX. When I finally had the mental capacity to provide some ( not all ) personal information, my family was notified XXXX days later and they provided some insurance information, such as the insurance company and my name. Upon my release, my insurance company ( XXXX XXXX ) was sent multiple bills from XXXX XXXX XXXX. The bills that were submitted correctly were paid. XXXX XXXX claims department stated my hospital bills are paid in full. There is no record of a bill from the XXXX department, and XXXX XXXX Department stated today, XX/XX/XXXX, that the provider only has 180 days from date of service to submit a claim. Because this claim is outside the time for reimbursement, XXXX will deny this claim if it is submitted again. There were paid claims from physicians, which could be from XXXX. Unfortunately, because I have no record of this invoice, I can not determine if this claim was part of the payments made by XXXX to XXXX XXXX. XXXX suggested that I contest this {$1900.00} collection plus interest, as I am not responsible for any hospital payment ; I am covered 100 % by my medical insurance provider, as you will find {$0.00} as my share of the bill. XXXX XXXX payments will be attached to this complaint. Finally, I tried to contact XXXX XXXX billing department today, XX/XX/XXXX ; however, no records of a claim were found. In fact, the hospital representative could not find me in their system. She provided another number to call, but they could not find me either, as they changed systems back in XX/XX/XXXX.
Consumer complaint received 2022-04-26
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (CO)

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

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Consumer complaint received 2019-06-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

I received my supplemental tax bills in XX/XX/XXXX, and immediately sent them to AmeriHome for payment. They had not collected enough ( {$400.00} short approx. ) so they mailed me a check from my escrow account and I paid the taxes myself, adding the remaining funds. The supplemental tax bills provided in XXXX called for 2nd payments to be made in XX/XX/XXXX. In XX/XX/XXXX, Amerihome raised my monthly payment by {$100.00} to help cover the gap in the escrow account. In XX/XX/XXXX, I received two notices of penalties for non-payment of supplemental taxes, amounting to almost {$400.00} in penalties and fees. I forwarded these to Amerihome and reminded them that they had my bills to pay for 7-8 months. They did nothing. I called and they told me : we do not pay supplemental taxes. I asked why they would collect {$14000.00} per year for {$1200.00} in standard property taxes, and why they raised my monthly payments to specifically cover supplemental taxes? They finally admitted that they DO pay supplemental taxes, and proceeded to do so, however they used my escrow money to pay the {$400.00} in fines!! I called to get a refund, they told me " we do not pay supplemental taxes ''. After another argument, they agreed that they do, but they refuse to reimburse for the penalties which THEY caused. This is called : fraud. For the record, Amerihome ALSO FAILED to pay to renew my homeowners ' insurance, required by law!! They let it lapse for an entire month while at the same time sending me letters demanding I obtain coverage! My insurance company contacted them 3 times to no avail, until I called and yelled at them to pay it or I would sue them. They finally paid it, but I had no coverage for a month. Amerihome is asleep at the wheel - for a company responsible for my mortgage, I have ZERO confidence that they know what they are doing. They have cost me money, put my home at risk, and refuse to take any responsibility. Please help, this is my first home and all I have experienced is XXXX and being ripped off by Amerihome.
Consumer complaint received 2017-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION (GA)

There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Have contacted Experian 5 times in since XX/XX/XXXX regarding inaccurate balances on several of my accounts. I also reached out to the account lenders who stated they provided the information to Experian. They keep sending me around in circles until I also submitted a dispute. Still no reason for inaccurate balances on my report. Also, one account per the Fair Credit Reporting Act should have been removed in XX/XX/XXXX but they are misreporting dates of last payment without fixing and reporting it still on my current credit report.
Consumer complaint received 2021-11-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NC)

I tried to use my Venmo account and found out it was frozen. I contacted Venmo customer support and they said my account was frozen so they could verify my identity. 

They then stated that I would need to send a photo of my government ID with no information redacted and a selfie of me holding my ID. They said to make sure it wasn't a photo copy but an actual photo. 
When I told them that I was worried about identity theft and didn't want to share my government ID that stated that was the only way to unfreeze my account. 

I asked them why they couldn't use my phone number, address or email ( or a combination } to verify my identity. Instead of answering they just stated that without I photo ID my account would stay frozen. 

I then asked about the funds I had in my account and they said they were frozen also until I produced a photo ID. 

The bottom line is that without risking ID theft my account is frozen and I can't get my funds back. The amount of funds is about {$69.00}.
Consumer complaint received 2019-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Clarity Services (FL)

some on or about 2019 Clarity service XXXX at XXXX XXXX XXXX XXXX XXXX FL pull my credit report some 31th time with out my permission through Experian credit agency XXXX TX XXXX I File a compliant with consumer financial protection bureau. the company contact me and stated that they would remove this inquires but failed to contact Experian to ask them to remove these unauthorized inquire. please make them remove these inquire 31 time. this is the second time that I have file a compliant against this company.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2024-04-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Recovery Services, LLC (NC)

My ex-wife and I leased a property in XXXX, TN from XXXX XXXX XXXX XXXX. They charged us above and beyond our deposit and when we disputed it, they sent it to a collection agency for {$1500.00}. When my wife and I divorced last year, this particular debt was assigned to her in our XXXX XXXX XXXX. I will attach the relevant page with our signatures and the other debts redacted. 

When I contacted Absolute Recovery Services, XXXX, in XXXX, I explained this to them and sent a copy of the page from our XXXX. They said it did not matter and they would not remove my name from the debt.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the fair credit reporting act XXXX XXXX XXXX, on XXXX 2020 has violated my rights. 

15 USC 1681 section 604 A section 2 : It also stats a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1,66B. A creditor may not treat a payment on an account under and open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NJ)

the payment of XXXX was issue on XX/XX/22 with a check # XXXX. this is in response to my account of XXXX XXXX XXXX. ACCOUNT # XXXX. YOU COULD SEND ME A REPLY TO MY E-MAIL XXXX. AND A PROOF THAT IS PAID .ALREADY. 
XXXX XXXX THANK YOU!
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications regarding the investigation results. It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and have yet to receive any response.