BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022 I received an alert that an account was entered on my credit report by AmSher Collection Service. I have never verbally spoken to this company or received any written documentation from them. I am aware that this is a violation of my rights. According to the FTC, a collector has to give you validation information about the debt, either during the collectors first phone call with you or in writing within five days after first contacting you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have dispute this account and they have not provided proof that I owe said amount or contract from there client show I agreed to pay said amount with my signature, but they have report to my credit report as a finial and only notice they will receive : if they don't provide a written contract with my signature I don't consent for them to get my medical report for that doesn't validate a debt nor does a itemized statement the contract should comply with Oklahoma truth in lending laws which requires a signature on a contract amount disclosed for services finance charges if any amount due. 

I do intent to file in Oklahoma court and sue for {$1000.00} per report that its been place on credit repoert

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 2021-11-25
Company: EQUIFAX, INC.
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:
On or about XX/XX/XXXX Equifax removed my XXXX XXXX Account for now reason. XXXX XXXX  does report to Equifax and Equifax has been reporting the account from XX/XX/XXXX, when the account was opened, up until XX/XX/XXXX when they removed the account and stopped reporting it for an unknown reason. When asked why they removed the account and stopped reporting the account I was given the run around and never given n answer. At one time in XXXX, XXXX I was told by an agent at Equifax that the account would appear back on my Equifax XXXX XXXX within XXXX hours after she " manually '' submitted information. That never happened. I spent XXXX XXXX working with XXXX Bank trying to resolve the problem only to receive notification that Equifax was the one who removed the account, Equifax would not provide a reason to them why the account was removed, and that I would have to work with Equifax to resolve the reporting problem, which I did up until about a week ago. My XXXX Bank XXXX account regularly reports to my other Credit Profiles XXXX XXXX and XXXX in a timely manner. I have also recently has problems with Equifax inaccurately reporting several other accounts on my Equifax file. However, this is the one that most affects my credit score since it is an open, active account that is always paid on time and in full. I have sent Equifax documentation that the account is a valid account open, and in good standing several times over the past XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for a joint checking account with my fianc. Shortly after applying, USAA sent me a letter asking for identity verification, which I promptly submitted. I never received a response from USAA after that either confirming that my identity had been verified nor asking for follow up information ... .but now when I try to log into my account, it tells me I am blocked. I have called customer service several times but no one is able to tell me what has happened or what I need to do to gain access to the account. My payroll direct deposit will be taking effect soon with my paycheck going into the new account and no way to access my money unless I ask my fianc to access it since it 's a joint account. Please help ... I have attached a copy of my ID to this complaint 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 2016-05-08
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I left XXXX to join XXXX and the account stopped around XXXX XXXX. XXXX claims that I owe more than just one months payment. I left the country around a few days after my acccount was closed with tmobile. Now I have three different amounts of money that I owe the collection agency when XXXX never contacted me about the final bill. At the same time I had to wait for XXXX to handle the phone fees and that took much longer than anticipated. The amounts are : {$420.00} {$480.00} {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Capital Management Services, LP
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company called Capital Management Services repeatedly calls my daughter 's cell phone saying she has a debt to settle. My daughter is in college and has no debts whatsoever ( other than student loans ). Their phone number is XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Advance America, Cash Advance Centers, Inc.
State: OH
Product: Consumer Loan
Sub-product: Title loan
Issue: Payment to acct not credited

Complaint:
I paid off my title loan with Advance America/XXXX online on XXXX/XXXX/2016. XXXX XXXX debited my bank account for the final payoff amount on XXXX/XXXX/2016. I went to Advance America today, XXXX/XXXX/2016, to retrieve my title and was told that the payoff amount was still being processed, one week after it was paid. I was not given my vehicle title and was told that I had to wait until XXXX authorized the release of it. 

This is not right. This is not fair. My bank account was debited on XXXX/XXXX/2016 for the final payment and there 's absolutely no reason why I can not retrieve my vehicle title on XXXX/XXXX/2016. This is an unfair business practice and XXXX should be penalized as allowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Diversified Consultants, Inc.
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Someone apparently got attached service in my name, Diversified consultants was asked the first time they contacted me to send me proof of the debt they refused and posted the depth to my credit file, I have lived in the same house for years I have att users ever and cell phones and pay my bills every month when I get my social security, last year I reported identity theft to the ftc over medical billing please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX, 60 days XXXX, 90 days XXXX, 120 days XXXX, 180 days XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Other

Complaint:
Hello, I have been a client with Capital One since XX/XX/XXXX however ; my credit reporting is only reflecting from XX/XX/XXXX and on. My overall credit rating took a hit since my history is not being reported in full. I ask that you report my credit in full since opening this card in XX/XX/XXXX. Let me know if you have any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
In an attempt to resolve a customer service issue with Capital One Bank ( XXXX, VA ), I submitted a complaint to the XXXX, which is now closed. In their response to the XXXX, they submitted personal information in the form of my account application which included my name, DOB, SSN, and address. This information was unnecessary to disclose and should have been redacted. When I expressed concern to Capital One about the mishandling of my information, they told me I had authorized release of such information and that they were compliant with federal law. I believe they have violated my protection by law and wish to express that complaint to a government entity so that others are not impacted by such oversights in the future. I am particularly angry because I experienced identity theft at the same time as they mishandled my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I went in to a motorcycle dealership to see if I could by a streetbike my credit was in the low XXXX, XXXX So I really was kind of taking a shot in the dark did n't think it would happen because at this point and Time I was unemployed and going to school and had school loans that were on my credit report.Whats so crazy is I walked out there, we 'll actually rode out of there on a brand new motorcycle that I thought I could afford once I graduated from XXXX XXXX and got a good job ( do n't get me started on that sham ) well come to find out that on the loan they put that I worked for who XXXX in order to push it through and make there sell.! Is there any thing that I can do to get this major XXXX up taken care of I had no idea that they XXXX on the loan application and would have never taken the bike if I knew what was going to happen with XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: I.C. System, Inc.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2020-01-17
Company: CAINE & WEINER COMPANY, INC.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Kriya Capital, LLC
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:
I am not liable for this debt with XXXX and I do not have a contract with CREDENCE RESOURCE MANA plus they did not provide me with the original application like I asked. 
Account NoXXXX Amount Disputed : {$860.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: TN
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:
Experian released my private information including my credit card bill to a 3rd party that had nothing to do with my file. Not only are they reporting inaccurate collection accounts to my file they have violated my rights over and over again. I have attached the response from the 3rd party showing my proof at address that was sent to Experian was sent to XXXX and it should not have been.

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 2021-03-11
Company: Dynamic Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled XXXX accounts with this company and I was told this was going to be taken off and reflected on my credit in XXXX and it is still on my credit. I spoke to XXXX on XX/XX/21 and XX/XX/21 about these accounts. The confirmation # XXXX is for the account # XXXX. The confirmation # XXXX is for account # XXXX. These were both settled for {$150.00}. 

This negatively impacts my credit and needs to be resolved. It is stated on XXXX XXXX that this meets FCRA requirements. It is under dispute with XXXX and XXXX  to be taken off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 hear about scammers draining accounts of innocent people, and to increase my security I went to TransUnion website, created my account and FROZE my Social Security Number. In addition, I looked at the various accounts listed against my name, and recognized all of them as legitimate except this one : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX They claim ( at TransUnion website ) that I have an account XXXX with them. 
They also claim that I borrowed {$2400.00} from them in the past ( date not shown ) and that I was repaying this load at $ XXXX. This account is listed as " XXXX XXXX XXXX XXXX. '' NONE of the about information IS TRUE!! 
I never had this account, and I never paid any money to them. 
I am not sure why they would create this FAKE account? 
If I had not logged into TransUnion, and I wouldn't even know of this SCAM!! 
Please investigate this case, and let me know the results.

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 2022-08-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I applied for the Home Assistance Fund Program and was approved for forward payments for 17 months. The payments started on XXXX. I am having issues with my mortgage company " Pennymac '' because they are applying the payments to my principal instead of my monthly payment and they are now refusing to do a reversal and apply the payments from XXXX to my Monthly Mortgage payment even though they are aware that it should go to the monthly payments. If they leave the money towards my principal, then I will still need to make my monthly payment and that defeats the purpose of me getting the assistance that I need since I am unable to make my monthly payments. 
They already have a copy of my award letter and are fully aware that I was approved for my monthly payments and are refusing to help. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-27
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have tried to obtain the paper work needed for my mortgage and up to now SLS Mortgage services has not given all the paper work to XXXX. 
XXXX is telling me that page ( XXXX ) of the note is missing ( this is the page that shows the endorsement ) and they also need the updated assignment SLS sent the same papers previously and XXXX informed them then that there was paperwork missing. 
I really need help in this matter XXXX Loan # : XXXX XXXX Acct # : 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 explanation
Consumer complaint received 2017-02-02
Company: Paypal Holdings, Inc
State: MA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Was scammed when buying tickets over the internet. Person used the phone number XXXX to communicate and also the email address : XXXXXXXXXXXX. Transferred {$3000.00} via paypal. Tickets did not arrive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Brelvis Consulting, LLC
State: PA
Product: Other financial service
Sub-product: Debt settlement
Issue: Disclosures

Complaint:
The Student Loan Help Center XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX Ph : XXXX Fax : XXXX This company is claiming to consolidate my loans, a service that can be done for free, they also said that I could transfer my loans back to a provider of my choice at anytime. They are now going to charge me XXXX installments of {$260.00} for services they have not completed yet and that are at no cost through my regular provider. They have threatened that If I do not pay, it will be sent to collections. I have already paid XXXX installment of {$260.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Under the consumer finance credit laws I have 9 to 20 items on my credit report that the bureau keep recycling and all of these accounts are past the status of limitation but the bureau is reporting thes balances as recent. I am also using a credit repair company to get them off but the bureau keep recycling old accounts as new.

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 2020-09-28
Company: EQUIFAX, 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:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner and are causing me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Sale of account

Complaint:
Capital One is reporting in accurate and have deceptive practices causing me and my family severe financial hardships. Capital One sold the debt XXXX 2015. They no longer own the debt however in the past 3 months they have been removing the account from all three credit agencies XXXX, XXXX and XXXX then adding as a new account by changing the opened date from XXXX XXXX to XXXX XXXX. Doing this in XXXX every 2 days recently. And practicing this practice every month prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
To whom it concerns, I had a credit card with Capital One the balanced closed at {$1900.00} XXXX XXXX, XXXX .... XXXX XXXX XXXX. Picked up the debt. Affidavit of service served XXXX/XXXX/XXXX I did not get served this Affidavit. As a result a judgement was entered with out me knowing XXXX/XXXX/XXXX for {$3900.00} ... XXXX XXXX, XXXX {$2600.00} was stolen out of my account from XXXX XXXX XXXX. this account was for my VA Benefits from my military XXXX. Both the taking out of all my money from my account to the taking my VA Benefits money was wrong and illegal. Then they are saying i still owe {$1900.00} a total of {$4600.00}?? Last for over a year they did not report to the credit bureau 's XXXX that they had stole my VA benefit money/ which caused damage to my credit.

Company response to consumer: Closed with non-monetary relief