BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-09
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection agency is furnishing an alleged debt of {$2100.00} that is on my consumer report with all XXXX credit bureaus. The collection Agency HUNTER WARFIELD which is at XXXX XXXX XXXX XXXX XXXX, FL XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter several times and have not received any proof from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. Also I sent a dispute letter to all 3 credit bureaus several times asking them to verify the account but I got a response back saying that the account was indeed verified. The following laws have also been violated by this company - 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the XXXX things to prove the consumer owes a debt within 5 business days. This company has caused serious harm and damage to myself and my family. This is an alleged debt that has not been proven and is still reporting on my credit report. I plan on seeking monetary relief of over { {$10000.00} } for FDCPA violations and monetary relief for violations of the Fair Credit Reporting Act section 616 and 617 for non compliance and negligence and under Federal Trade Commission, Section 813, Civil Liability, under ( 2 ) ( A ). Phone records from my telephone company and letters sent from different credit repair agencies can be produced if need be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-09
Company: Experian Information Solutions Inc.
State: PA
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: Problem with personal statement of dispute

Complaint:
Ok, Back on XXXX my husband become to be on worker comp from work, and we have a lot of problem back them. he was facing foreclosure from XXXX XXXX XXXX and, he was going crazy to save the home ware we live with our XXXX kids. So he was refer to get help from PA HOUSING FINANCE AGE, so they help him to save the property with o low montly payment until the situation change. Well with all this mess and bills, from al type that a home can have, with fill the banckcrucy chapter XXXX on XXXX and was aprove, we pay bak part of the money in 3 years of 5 year agreement, we dit a loan modification, and thinks star to change good for us ... now at that point my husbad have the home loan with XXXX XXXX, and the PA HOUSING FINANCE AGE borrow him the money to save the home ... when with dit the bankcrucy we have the benefit to have remove that loan because the hosue is under water..so he old XXXX dolarr on home morgage and the hosue price is only XXXX, plus the deb of {$19000.00} with interes and fees from Pa Housing Finance Agency . so this was aprove by the Agency and courth, and that deb become to past a unsecure deb, so was remove and we dont have to pay bak that loan.

whern that happen i have to sing as JOIN on that loan since iam on the DEED of the property so we are secure if anything happen ... .Now i see on my credit report that show and iam traying to buy a home even if has been remove and we dont have to pay back and become a unsecure ..some bank are taking this as excuse to NOT aprove the loan ... .becasue this show on my credit. i have this dispute this to thenAgency tru the credit dispute page and the Agency dont wan to remove that from my credit. 
this was my husband loan with XXXX XXXX, iam not on that loan..and i have to sign that document from PA HOUSING FINANCE AGE because iam on the Deed ... and was the only option we have to sabe our home.

this is what is hurting my credit score and bank or private lender dont wan to help me to get a new home for that reason.

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 2018-06-25
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XXXX XXXX XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX. I requested a validation on XXXX XXXX XXXX as the debt amount owed is not correct. On XXXX XXXX XXXX I received a response that the creditor needed more time to investigate the account. No further correspondence nor validation has been received from XXXX XXXX XXXX and they have exceeded the timeframes to provide validation. Based on their failure to validate this account adequately I disputed the account with all 3 credit bureaus on XXXX XXXX XXXX however the account is still reflected on my credit profile and continues to negatively affect 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 2018-03-13
Company: EQUIFAX, 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:
XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX FL XXXX XXXX. Equifax XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX   XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX To whom it may concern : Please accept this letter as a written request to dispute the following account information of items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Account # 1. account resolution services 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX  I will also attach photos of Accounts and inquiries that are fraudulent. Remove them immediately. Please look at the attached photos. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in less than 120 hrs of your receipt, thank you for your prompt attention to this matter. This isnt the first time Ive contacted you about this situation and if the accounts isnt removed by the time frame I demanded I will take legal actions immediately after the response letter. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: EQUIFAX, INC.
State: TX
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:
On or about XX/XX/2016, XXXX XXXX XXXX. submitted an outstanding balance of {$7000.00} to Equifax claiming that I have purchased goods from XXXX XXXX and have refused to pay it back. I contacted them several times to show me receipts and evidence that I have in fact made these purchases but they refused to do so. I told them repeatedly that I did not make these purchases but they insisted that I am responsible no matter what. I know they are a collection agency. I have contacted Equifax numerous times disputing these charges but they continue to claim these are my charges without providing any proof. If anyone has dealt directly with Equifax, can appreciate my frustrations. Most of their agents dont speak English well enough to comprehend the issues. They should not ruin ones credit with thorough investigation and documentation. I took it upon myself and found out who used my account number and filed a legal claim and have a judgment against her that I have tried to share with both Equifax and XXXX XXXX but they simply dont care and dont care how their lack of proper investigation and inaccurate reporting hurt people like me. I have my best to resolve this but are of options and can not afford legal fees to seek justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sold my house and new owners did not transfer gas bill. I moved from XXXX  to XXXX  and never received any payment due. Did not know I owed until it showed up as derogatory mark on credit report. The bill is only {$100.00} and I don't mind paying as long as the mark is removed from my record.

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 2018-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
To Whom It Concerns : On XX/XX/XXXX, I attempted to purchase 2 airplane tickets via XXXX for {$410.00}. 

I changed my mind on the {$410.00} ticket purchase and processed a cancellation order on XX/XX/XXXX. 

The Flight Cancellation was accepted by XXXX on XX/XX/XXXX and XXXX promised to credit my account for the {$410.00}. 

Several months later after not receiving credit I called XXXX and they stated to me that my cancellation was not submitted. They asked that I provide proof of the cancellation. I had difficulty finding the " cancellation '' receipt. 

I contacted XXXX XXXX in XX/XX/XXXX and asked that they intercede. They gave me a temporary {$410.00} credit but reversed the credit on XX/XX/XXXX when I had not supplied the written documentation they requested. I subsequently found the XXXX cancellation receipt around XX/XX/XXXX and presented it to XXXX XXXX and XXXX for my {$410.00} credit. 

XXXX XXXX has not credited me the {$410.00} because they are still waiting on a response from XXXX. 

I am asking for whatever assistance you can provide to expedite the return of my {$410.00}.

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 2015-05-11
Company: CITIBANK, N.A.
State: KS
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
We paid our re-financed mortgage off almost a year ago, got a letter of pay off and was told we would get a lien release mailed. No lien release has happened. CitiMortgage tells us when we call, that the account has closed. We need our lien release!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/2018 I contacted customer service at XXXX XXXX to inquire about lowering the interest rate & changing the payment due date. I wanted the due date for each month to be on the XX/XX/XXXX of each month instead of the XX/XX/XXXX of each month. They refused to cooperated with me. They closed my account because of delinquent payments, but I had complied with their request to pay back payments to get current. 
The bank DID NOT contact me by phone, email, or letter that they were doing this.

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 2016-06-21
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a CitiGold checking account in XXXX 2015 in response to an offer code XXXX. The offer was for XXXX ThankYou points for Citigold checking after making 1 or more bill payments for two consecutive months within 60-days of account opening. I fulfilled those requirements promptly and called the Citibank multiple times to confirm that the offer has been applied to my checking account. They told me to wait 3 months for the XXXX bonus points to show up in my account. While waiting for these points I also transferred {$50000.00} to IRA to prevent Citibank from charging me a monthly {$30.00} maintenance fee along with a Citi Prestige credit card ( {$450.00} annual fee ) to use with the thank you points. 
After I have done all this expensive procedure, last week Citibank emailed me that I am no longer qualified to receive the XXXX thank you points because I was not targeted to receive such offer. 
I feel that Citibank is doing fraudulent business by offering attractive bonuses to open a checking account and charging all unnecessary fees to force customers to transfer their IRA funds to prevent those fees. I spoke to the reps every month for the last 6 months and they said the offer is linked to my account. 
I will be closing the Citi Gold account and transfer my IRA funds back to the retirement bank, but wanted to notify consumer finance about the details of my issue.

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 2016-08-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
CITI BANK is charging me late fees without sending me a bill. CITI claim they are sending me a bill but now I don ' believe them because this has happened before and I contacted them about this problem and they are blaming it on the Post office, but I received my other bills with no problem. Because I pay my bills on line they have taken for granted I know the due date, but I do not have a paperless account with them, I need to see my bill monthly. They claim my bill was due on XX/XX/XXXX, they called me on XX/XX/XXXX after they had already late charged me for another {$25.00}, and I think that is what they are after, those late fees.

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 2015-08-02
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
I obtained a quote for moving services XX/XX/2015 and accepted the vendor. I never received an invoice yest was billed two times at rates not in the quote. Once for {$450.00} and once for {$90.00}. This total was well over the quoted price for service. 
I contacted this CC and filed a complaint. The CC issued me a notice of PERMANENT reversal of the charges. Now the CC placed the charges back on my account after the PERMANENT reversal notifications over a month ago. I also contacted the moving company but there has been no reply.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To Whom It May Concern : On XX/XX/2018 my CapitalOne Venture card got charged an annual fee of {$59.00} for the next membership year. Seeing no benefit from keeping this type of card, on XX/XX/2018 I requested a downgrade to a no annual product -- the QuickSilver card. Despite the fact that the phone representative assured me the annual fee would be refunded within 5 to 7 business days, my card has not been credited as of now. On XX/XX/2018, I called customer service and both the front line representative and account specialist insisted that since the product conversion is essentially an upgrade, the fee will not be refunded. I would have cancelled the card to get rid of the annual fee if the representative had not stated the fee would be refunded with the product downgrade in the first place.

I consider this as CapitalOne 's bait-and-switch tactic to make me keep the card and collect the annual fee at the same time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-24
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Balance transfer

Complaint:
This is the letter I sent to Costco : I am a happy, loyal Costco member. At least I have been until now. I have always had my credit card set up to pay my balance automatically in full each month. With the transition to Citi, I got my first bill and I was charged {$36.00} in interest. When I called they explained that the balance " did n't transfer properly. '' They agreed to credit my account for the {$36.00}, but advised me to pay it since the credit would n't appear until my next statement. Except for the waste of my time, that 's all fine. 

But I do n't believe the explanation. Many smart people worked on that transition for a long time. If your members were charged interest they did n't owe, I suspect it is because Citi saw the transition as a way to steal a lot of money. Many customers will notice the improper charge and complain, and Citi will give them a credit. But many customers will not notice or will not follow up, and Citi will charge them the interest, and interest on the interest. This is the way Citi does business. It is not at all surprising. Someone probably got a big bonus for thinking of it. 

What is surprising, at least in my experience, is that this is not the way Costco does business. So my question is : What are you going to do about it? 
This is their response : We apologize for any frustration this may have caused. We thank you for sharing your comments and concerns with us regarding our transition to XXXX. Please be assured that our transition to XXXX is part of our continuing commitment to provide our members with the best value possible. 

Your feedback is important to us. We will forward your concerns to the appropriate department for review.

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 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 a survivor of fraud and didn't make the charges. I ask that the things be obstructed to address my credit report

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 2018-08-03
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was Contacted By XXXX XXXX XX/XX/2018 Then Again XX/XX/2018. Which I have no contract with nor have received service from, reported a collection account against my SSN. I did ask for validation for this debt and account and my signature that I signed anything and was told that they didnt have anything to validate. However, the business does not have a contract with me. They have not provide adequate proof I am not obligated to pay for alleged debt. I Have Tried disputing multiple times.

Company response to consumer: Closed with non-monetary relief