BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-23
Company: HCFS Healthcare Financial Services of TeamHealth
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX certified letters within a 60 day period to Account Resolution Services has failed to provide the following requested information to validate alleged debts:XXXX Signed credit applications between myself and the original creditorXXXX. Copies of all signed vouchers from the date accounts opened until defaultXXXX. Copies of all statements from the date accounts opened until defaultXXXX. Proof of the statue of limitationsXXXX. Proof of agreements that they were hired by the original creditor ( creditor as defined by the FDCPA ) orXXXX. A copy of the contracts Account Resolution Services purchased the alleged debtsXXXX. If the alleged debts were purchased, provide a copy of agreements between Account Resolution Services. and myself, signed by me, stating that I have a contractual responsibility to Account Resolution Services for the alleged debtsXXXX.Provide proof that Account Resolution Services is bonded/Licensed for debt collecting in the state of AlabamaBy failing to provided all of the information that was requested on my behalf, the disputed claims are now considered invalid and all collection efforts must be stopped and the accounts must be deleted from Account Resolution Services. Account Resolution Services can not validate their claims, therefore they can not, by law, collect on it, or sell it to another collection agency. Also, reporting debts to the credit reporting agencies that can not be validated is a violation of the FCRA XXXX Fair Credit Reporting Act XXXX, and carries a {$2500.00} fine. Please advise Account Resolution Services of their infractions and that the alleged debts must be removed from their account immediately, and they also must be removed from all credit reporting agencies.Thank you.

Company response to consumer: Closed
Consumer complaint received 2020-06-20
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National Credit is in violation of the FDCPA. The are also in violation of the Fair Credit Reporting Act. Under 609 Section of the Fair Credit Reporting Act I disputed this debt against XXXX XXXX  and the validation proof of debt owed and they had to remove from my credit report due insufficient evidence of debt. XXXX now has sold the debt to National Credit who is reporting falsifying information on date account opened, never has notified me nor can reopen a debt already sufficed has false. National Credit can be sued under FDCPA in State and Federal Court for damages and false reporting. Delete immediately from my credit report of all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Carrington Mortgage Services released my social security number to another customer. That customer contacted me to inform me of what had happened and said they would delete the file. When I went to XXXX XXXX who released my info, I was told that never happens. That is not good enough. I feel that company should provide me with credit monitoring at their expense! This company from the start was neglegant beyond belief! XXXX our purchase property address, which they claim was a mistake on my end of course. I think I now where I live! They sent me a Uniform Residential Loan Application that XXXX XXXX, not myself, filled out showing our present address as XXXX XXXX as well as the purchase property. I also told them my grandmother needed to walk away with $ XXXX, they listed that as the purchase price making that inpossible after all of their fees. Also, he listed my husbands employer as XXXX XXXX XXXX and not his current one of XXXX XXXX. This is not the credit app I filled out! After complaining about these mistakes I was told they fired XXXX and I was not the only loan that he XXXX. I do n't believe that either! After over 60 days of promises to close XXXX different times and providing us with our locked in rate and approval they denied us stating our debt to income was all of the sudden an issue. I saved every email from the start of this companies lies. It is now XX/XX/XXXX and we have yet to receive anything about our denial and why all of the sudden it occured. The whole experience with this company was horrible and they should be aloud to provide servide to anyone!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Was on XXXX assistance and any related charges were to be covered by them not me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XXXX Capital One filed a XXXX with IRS for a charge off of a XXXX card debt in XXXX. I have no records of this at all. I found out about it from the IRS. On call Capitol One, they will not send any documentation, only the card number which is not mine. I have never had any calls, letters or other correspondence on this issue. The IRS is currently charging me interest and has threatened fines and will not even discuss relief on this issue without documentation, of which I have none. I did work for a company that filed bankruptcy around XXXX and it is possible that my name was attached to a corporate card at that time, but those records are no longer in existence. and if that is the case, why would Capital One wait 12 years to do something about it. 
I have spoken to at least XXXX different people at Capital One, including XXXX supervisors in the recovery division, and have been offered no help. I have asked for documentation and have been told that the documentation was mailed to some XXXX XXXX that I never heard of. I asked repeatedly for them to email of fax me the account info so that I had something to show the IRS but was told no.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to obtain a loan modification, the lender has just put me on Repayment plans that I can not afford. I have currently applied for a modification and until XXXX day they are telling me that they got the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 was not satisfied with the result I got from my TransUnion report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this incorrect information and inquiries to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this incorrect information and inquiries removed or have anyone from TransUnion contact me about the status of my concern. Here are the incorrect information and inquiries that I am trying to dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2017-01-25
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Citi credit card named " My Best Buy ''. I have been a customer with a meticulous payment history for over 10 years contacted me to try to collect a payment they felt was past due. I provided the electronic payment information from my bank to them to prove they had been paid weeks ago. They refuse to acknowledge payment and have tacked on interest and late fees. I have made countless efforts to resolve and have asked for a Supervisor to call me, to no avail. I contacted my bank and they confirmed that Citi was indeed paid and have also sent proof to them. Still, they will not acknowledge it. I have spent several days and countless hours trying to get them to do the right thing and they refuse to fix the problem, or to allow me to speak with a Supervisor.

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 2016-01-13
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
After month 's of a barrage of marketing material for Citi Advantage ( XXXX ) XXXX Card to replace my XXXX XXXX card from a different bank, I accepted their offer for their card. As part of this deal they promised XXXX additional bonus points if I used the card within 3 months of opening it. In early XXXX XXXX XXXX ) I received a marketing piece in the mail from them that on the front page stated, 'Last Chance Earn XXXX Bonus Points. ' In early XXXX. I charged {$3600.00} on this card, which I paid off in XXXX ( XXXX ). 
I recently reviewed my account and did n't see the XXXX bonus points credited so I emailed them. I received a response that my offer had expired, so no points would be credited. They did not respond to my questions about their early XXXX marketing material and my 'Last Chance ' to earn these points. 
Honestly, I may be outside they claimed 90 days from when their card was issued, I ca n't imagine by too much as I did put this card away for my XXXX shopping. However I submit that their marketing material induced me to use their card, which clearly stated it was my 'Last Chance. ' I also think they know they are wrong and probably have thousands of other customers like me who now are just a little bit unhappy with their Citi XXXX XXXX XXXX card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX my ex girlfriend sister XXXX XXXX took the authorized users credit card that was in my my wallet. She went and made a purchase at XXXX for {$1300.00} and then went to XXXX XXXX XXXX and made a purchase of {$250.00} dollars. I called Citi financial and they credited the chareges. On XXXX XXXX XXXX XXXX called Citi and said the charges are vaild. I dont know how she or even XXXX should have been able to access the account as neither had the new credit card number and I placed a new password on the account. I called Citi and explained the situation. The investigator said she would talk to her manager. She did call me back and left a message saying they were n't going to do anything, When I called back the reps I spoke to refused to transfer me to the investigation department. The reps also refused to tell me how someone could access my account without the password. When I added the password Citi assured me no one could access my account or make changes without that password. Citi refused to allow me to hear the calls of the XXXX or Sister saying these charges are valid I have an email from the authorized user telling me that she did not give permission to her sister to use the credit card. The email also states that she is sorry her sister did this. I also have text messages from the authorized user saying the same thing. I have also filed a police report. I gave Citi all of this info and they still refused to handle these charges that were unauthorized as fraud. Citi even told me they couldnt confirm who it was who called in and said those charges were valid. That is why I asked to hear the call and they have refused. Citi put these charges back on my account and has refused to investigate further. I now have {$1500.00} in charges placed back on my account that are fraud and unauthorized by me and the XXXX. Citi has failed to protect my account and follow the card agreement by releasing info to third party and making changes on my account by a third party. THey also violated the user agreement by not handling these XXXX charges totaling {$1500.00} as fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
credit agencies insist on reporting adverse key factors to creditors. 
These key factors appear to be repetitive and has appeared in exact verbage from over two years ago. This issue was recently reported to Consumer Finance Protection Bureau. 
Latest credit file does not support these horrifying key factors. Also there is a huge disparity in credit scores. XXXX obtained a score of XXXX from TRANSUNION. I obtained a score of XXXX. TRANSUNION removed hard inquiries down to 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 2015-08-15
Company: Byrider Franchising, LLC
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I returned the car back to CNAC and I am sure they resold the car I do not owe this much I had to return the car myself when I told the person I could n't afford this car she said if they come get it I owe XXXX up front HOW DO I CHECK INTO THIS the amount they have ca n't be real if they resold the car PLEASE HELP GET THIS OFF MY CREDIT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Credit determination

Complaint:
I was mailed an offer for a secured credit card. I was told that after 12 months of payments the secured credit card would become a regular credit card. In addition, I was told after 3 months I would be eligible for a credit increase. I did not get a credit increase after 3 months, and after 12 months of payments, I was told I would not be given a regular credit card. I requested to close the account in XXXX XX/XX/2014 and I filed a complaint regarding the credit card company not issuing me regular credit card. I would like to file an additional complaint for the credit company falsely reporting the balance owed on the account, not reporting the account was closed on my behalf, and causing a negative reporting issue on my credit report and transferring my account to a third party collection agency. I spoke with XXXX, an accounts recovery supervisor, I also spoke with disputes. I informed XXXX departments that the information reported was incorrect and that they needed to correct it. Disputes said if I got the CFPB involved I would need to speak with accounts. I spoke with accounts again, XXXX, said she would not correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently viewed my credit report and noticed that this company has report that I owe them a debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 as of XX/XX/2015 to XX/XX/2015 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 2016-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Other

Complaint:
XXXX XXXX I received dispute results from XXXX/Capital One. I initially disputed a late, but Capital One removed the trade line all together, thus damaging my credit scores. After the typical blame game of one another, I was told Capital One incorrectly processed the dispute and would need to send a re assertion letter to each agency. As of yesterday, Capital One has verbally confirmed sending the letter ... still with no written confirmation. XXXX stated it may take up to " 3 Billing Cycles '' for the trade line to be re asserted. A few things concern me here. I seemingly have no recourse and am unsure as to if my scores will rescore and so on. I am unable to access the credit markets at this time which have brought my undue hardship. Essentially my report will have went wrong from time of dispute to potential resolution some 120+ days. Not to mention they never have addressed the actual late I was disputing in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Received an inappropriate letter from Capital One, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. They wanted me to update my AutoPay email alert settings. The account they referenced is closed and has been for sometime. We do not answer or even open their emails since we do not do business with them. This letter 'scared ' my wife, wondering what was going on. Can you stop this kind of harassment?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Capital One has refused to provide me with a contract with my actual legible signature verifying that I agreed with the terms. They keep sending me dispute letters and copies of the bill statements. I want a copy of the contract with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Paypal Holdings, Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I got a text message in my XXXX saying that " VenmoAlert : You recently attached your checking account to Venmo for a transaction of {$720.00}. Contact Customer Care XXXX if not initiated by you. I called the number and they got access to my banking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Aqua Finance, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Aqua finance closed the previous complaint and there wasn't a resolve. 

They lied through their teeth. The representative from Aqua, his name is XXXX called me and I explained my issue. He basically stated that they're just the finance company. So they wasn't there the Sales Man said it was a {$54.00} payment that would be paid over 5 years no interest was never discussed. 

If this isn't resolved in 14 days I would file a small claims suit, as I was deceived and this is considered to be the sales man was being deceitful purposely. 

Please review the attachment Aqua 's representative has stop responding. If it's not same as cash. I will stop paying this bill and I intend to file a complaint with the FTC and XXXX  by XX/XX/XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: CITIBANK, N.A.
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received an offer from Citibank to open a checking account. This offer gave ThankYou XXXX points or XXXX miles based on meeting certain criteria. The criteria was that I open the checking account by XXXX/XXXX/2015, then within 60 days after account opening, I would have to make one bill payment each month for two consecutive calendar months. The account ( s ) must remain in Good standing. The points would be awarded within 90 days after completing those requirements. I have met all of the requirements. In addition, I have called Citi Customer Service seven times since making the requirement. I have spoken to three supervisors and one manager that returned my call. Each of the VERIFIED that I am eligible and I have met all requirements and that I would receive my XXXX points on XXXX XXXX, 2015. I called Citi on XXXX XXXX and was advised that I was not eligible for the points after meeting all requirements, seven phone calls, and $ 30 monthly fee 's ( {$90.00} total ). 
If at any time I was not eligible for this program, I should have been advised instead of the deceit and possible Fraud committed by Citi since they continued to bill {$30.00} in monthly 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 non-monetary relief
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 went to a car dealership and they said they were only going to pull my credit one time and they pulled it multiple times without my permission! I don't recognize the other inquiries listed.

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 2016-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Account is reinserted after being previously deleted. The account remarks even show previously included in Bankruptcy Chapter XXXX and the account shows a {$0.00} balance.

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