BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-04
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company MIDLAND FUNDING is trying to collect {$640.00} from me for a bill they claim I owe. 
I have sent a written demand that they comply with the Fair Dept Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by providing me with a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' As of this date, they have ignored my requests for debt validation and has provided nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: MT
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:
In XXXX of XXXX XXXX  third party payment processor failed to resubmit my payment. This caused my payment to be made 29 days late as I had to manually force the payment. It processed a day later. XXXX admitted this in a recorded phone call XX/XX/XXXX at XXXX hours via XXXX XXXX. Now they're lying saying they changed their policy to not pull payments but never told any customers. They are omitting why my payment was late and refusing to remove the 31 day late which is DESTROYING my credit and closing my wife 's accounts. By federal law the truth must be told. I'm suing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was invited by Citibank to start my CitiGold relationship and earn a {$500.00} cash bonus under promotion code XXXX. During the past six months after I opened my CitiGold account, I have written confirmation from XXXX different CitiGold Customer Service representatives ( attached References XXXX, XXXX, XXXX ), whom also received confirmation from Citibank New Account Servicing ( NAS ) that indeed my CitiGold account was opened under and eligible for the {$500.00} cash bonus promotion XXXX. As required for the promotion, I completed my {$50000.00} deposit on XXXX XXXX, 2016 and held the funds in my account for 30 calendar days through XXXX XXXX, 2016 when my 90 day wait time began. My 90 days ended on XXXX XXXX, 2016. My savings amounting to over {$50000.00} has been tied down to this account for six months now with repeated assurances that I was eligible and would be receiving the {$500.00} cash bonus by XXXX XXXX, 2016. Citibank needs to immediately resolve the matter and deposit the {$500.00} cash bonus due to 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 monetary relief
Consumer complaint received 2021-08-08
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: Account information incorrect

Complaint:
Im XX/XX/XXXXAND XX/XX/XXXXoff XX/XX/XXXXI am being reported as missed payments resulting in negative credit drop I have nicely tried to dispute this multiple times Directly with the XXXX XXXX, then I have tried to dispute with the credit bureaus, if XXXX XXXX truly records phone conversations they can go back and reflect on the fact that we had total job loss due to Covid, during Covid no company is supposed to report negative credit, the payments were made and caught up, also XXXX XXXX Has been directly debiting automatic payments from my bank account ever since I got another job, ( I can prove this ) and as of today XXXX XXXX has reported that I am late on those payments as well, according to the drop in my score again. Due to the illegal practices of reporting negativity during Covid and MY job loss I would request that once and for all XXXX XXXX delete ALL negative reporting to all three credit bureaus. This is illegal practicing and when I do call, most of the people you speak with do not know what they are talking about or false information, again if they have recorded phone calls they can go back and reflect on those and see that when I called and the individual I spoke with assured me there would be no negative reporting during my job loss and covid which is actually still happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: ZENCO COLLECTION, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Zenco Collections, LLC on behalf of XXXX XXXX XXXX is attempting to collect on a debt dated XXXX of which I have no knowledge of. In addition, they have pulled an asset report and are threatening to place liens and levies on my assets and garnish my wages through legal action. A message was left on my phone in which legal action was threatened without any verification of identification. A search of their phone number, reveals that it is a scam phone number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ARS piece of paper did not contain all FIVE requirements pursuant to 15 USC 1692g which states : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification judgment will be mailed to the consumer by the debt collector ; and a ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ARS did not mention 3, 4, nor 5. Thats a violation and ARS owe me another {$1000.00} according to 15 USC 1692k civil liability. If ARS had the power to validate or verify anything, they wouldnt be mailing me a pointless piece of paper. Which, by the way, the law does not mention a bill or a statement as validation or verification. ARS have yet to tell me who originated this credit. I still do not owe this alleged debt. ARS also is committing mail fraud according to 18 USC 1341. I did not give my consent for ARS to communicate with me and Ive been attached a cease & desist letter. Thats another violation pursuant to 15 USC 1692c. I am attaching an invoice and I expect my check in the mail. ARS has 30 days. Youre on notice.

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 2021-08-07
Company: DCI Credit Services, Inc.
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a notice prior to garnishment for a debt that is the wrong amount. Much of the debt that they are attempting to collect on using garnishment, is past the statute of limitations for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have pulled my credit report from multiple sources at several different intervals. I have seen accounts from the debt collector BC Services, and attempted to reach them in regard to settling the debts. I informed the collector that my interest in contacting them was to clear all accounts off my credit report ; I then asked the representative how many accounts total they had reporting to my credit. The rep I was speaking to ( whose name I did n't catch ) informed that they have XXXX accounts total on my credit and all are being reported on my credit. Upon calling back at a later point I was advised that there are only XXXX of the XXXX accounts actually being reported. This is a blatant violation of the Fair Debt Collection Practice Act, by the representative knowing that my attempts were to clear my credit report and then advising that an account not on my credit report is being reported.

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 2021-08-07
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Kimball Tirey is attempting to collect a debt that I did not incur. On the credit report it states the debt started in XX/XX/ 2019. In three years they have made no contact or sent any letters. They made no attempts to legally verify the debt was in fact incurred by myself nor sent any communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio RC showed up on my XXXX XXXX report for both reporting agencies. On XX/XX/XXXX I called the number and asked for information regarding the alleged debt. I spoke with XXXX XXXX who could n't find the debt. She found a XXXX XXXX XXXX collection dated XX/XX/XXXX and the information did not match up to me. I told her that my credit report reflects XXXX in the amount of {$680.00} and i currently have an account with them with a XXXX balance. She transferred me to XXXX who could n't find the debt, however XXXX told me that I had to send in a copy of my credit report so that I could prove I was n't the debtor. On XX/XX/XXXX I called back and spoke with XXXX. She did n't find a debt. She transferred me to XXXX in disputes. He checked the XXXX and reported that it was purged in XX/XX/XXXX. He told me that I had to prove that there was on my credit report because he did n't find the debt. I emailed a screen shot of their company on my credit report. I followed up that day and spoke with XXXX XXXX who checked and checked and found nothing. She put notes on my file that there is nothing there and the mark should be removed from my credit report. I called XX/XX/XXXX spoke with XXXX who said he would n't do anything I just have to wait. I have no idea what I was supposed to wait for. I called back and spoke with XXXX. I was honest and told them that I was contacting this agency. XXXX got XXXX who is a manager. XXXX looked and looked and found nothing. He told me that he would look deeper and call me back in 2 hours. He did n't call so I called back. I spoke with XXXX XXXX and asked for some record that I owe anyone anything. He said he had nothing to show me at this time and I would just have to wait up to two weeks for them to find something.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a checking account at Citi Bank. On XX/XX/XXXX, early morning at XXXX XXXX I deposited my " PAYCHECK '' via ATM. I received a letter via notification that my PAYCHECK funds will be available in 3-5 business days.But after I deposited my paycheck, the next day Citi Bank seized my entire account. When I called customer service they connected me to fraud department saying due to an " unusual '' activity they are not clearing this check and have held all my savings. They said they are holding my entire account until they resolve this matter Not only did they block my account they also seized my all money that I had before depositing the check. After 4 days on XX/XX/XXXX they release my cash fund and Fraud department told me to visit Bank so Bank can help Me release funds.When I went to Citi Bank Branch located on XXXX XXXX XXXX, XXXX XXXX where I originally deposit my check into ATM. I spoke to Citi Bank Manager and even I explain to her and she went through my account and told me it 's not her department and she told me I have to contact fraud department while I was sitting there I called fraud department and I let her speak to fraud department and after she hung up she said she ca n't help me. I also dial XXXX XXXX manager where my employee issue check from and XXXX XXXX Manager also confirm that the fund has been released from their side. They are not holding any amount but still she refuse to help. I asked her to give me reason why my money is been held and she gave me a letter saying my fund will be release after XX/XX/XXXX. Sir, I have family to support including XXXX little kids, my daughter is XXXX XXXX  old and my son is only XXXX  XXXX. I have not received single letter from Citi Bank saying the reason for holding my Money. I already paid {$100.00} more to pay rent since my rent check has been returned and I had to borrow money to pay rent. I have attached documents so you can evaluate my situation and help me to release my fund early as possible.

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 2021-08-09
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/21 while reviewing my credit report I noticed a significant drop in my score. One bureau was reduced by 80 points while the other was over 100 points. Shellpoint Mortgage had reported me over 30 days late ; however, I have a modification agreement in place which starts XX/XX/21. We were told that it would not negatively impact us but that is not the case. The more concerning part is that when my records are corrected the credit bureaus will NOT be increased by equal numbers it was decreased by. It's unfortunate that we are affected in this manner.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts are reporting inaccurate information on my credit reports, Ive tried to speak with the creditors they have not removed this information from my credit can you please assist me with getting these inaccurately reporting accounts removed from my credit reports.

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 2017-10-10
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was denied my loan because there is litigation against the HOA of the property I was purchasing. I had requested a letter to be corrected, as the original letter states it is due to my credit score ( XXXX ) and my finances. My loan agent had all the paperwork and was preapproved for the loan. The f/u letter I received stated they did not have my paperwork to the final person and therfore, my letter does not show that my finances were in order and the denial is due to the HOA litigation. .... US Bank has the paperwork which shows my finances and low debt-to-income ratio, along with my credit rating. They sent me a " standard form letter ''. The reasons for not giving a proper letter are due to US Bank not submitting to their own department in a timely fashion to issue a proper letter I am in need of a proper letter of denial to show for litigation purposes against the agent, seller, and inspector to recoup monies lost.

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 2021-08-08
Company: Convergent Resources, Inc.
State: WI
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 attempted to dispute these medical bills 7 times in the past 2 years. For 4 years Ive recieved state food and health benefits because my mom is XXXX and i am also unemployed.. my XXXX XXXX XXXX XXXX insurance covers the treatment i recieved on ALL the bills associated with XXXX. These negative inquiries on my report have been invalid for years. The poor credit score im condemned to, is a misrepresentation of me and my credit worthiness.

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 2016-05-20
Company: Monterey Financial Services LLC
State: ID
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In 2014 my doctor requested that I receive a screening from a company called XXXX XXXX XXXX ( XXXX ) The marketing material provided there would be no cost to me as the patient if my insurance company did not pay the bill. Subsequently, XXXX was found in violation of the Fair Claims Act by attempting to defraud insurance companies and Medicare, and by providing kick-backs to prescribing doctors.They were forced to pay millions in fines and were forced into bankruptcy. 
A week ago I was contacted by XXXX XXXX, a representative of Monterey Financial Services, XXXX XXXX XXXX, XXXX, CA XXXX demanding repayment of charges amounting to {$3700.00}. I have disputed the claim, but fear the company will continue to harass me concerning this. In addition, they are certainly going after many others. I believe this is a clear violation of several laws, including the Fair Debt Collection Act, and would appreciate any assistance you might be able to provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Credit Karma, LLC
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I reviewed my credit report on Credit Karma and noticed that my XXXX report has been effected. As a result all of my inquiries from my XXXX report were removed on XX/XX/2017 and added back to my credit report as new inquiries. They also removed my only collection XXXX and placed as an active account during the same. The information has not been corrected and still shows the same information as of today XX/XX/2017. This is detrimental to my credit report as it is not only incorrect information but it is also interfering with and prohibiting my process of buying a home. I have attached all documents showing how inquiries were removed and added as new inquiries and collections being removed and then added as an open account. I contacted XXXX and they are stating that they are not responsible.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
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:
XXXX XXXX, and Equifax continue to report inaccurate/false information to my credit report and causing me tremendous stress! They are not investigating as per FCRA guidelines!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
I contacted Best Buy Credits Services in XXXX XX/XX/XXXX to advise of unexpected medical bills, which was putting me in a position where I was not going to be able to pay off a promotional balance on my account that was due to expire on XXXX XXXX, XX/XX/XXXX. Supposedly the process was started on my request but was never completed, so they " started it over again '' when I called in XXXX XX/XX/XXXX I continually kept following up on the status and could not get a definitive answer. Calls were placed on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. All I was asking for was an additional 60 days to pay off the balance with out incurring the deferred interest amount of {$1000.00}. I kept getting told over and over that I would see it on my next statement, needless to say this has never happened and I was hit with the deferred interest on my statement that closed out as of XXXX. I received a voice mail and email today from XXXX XXXX Best Buy Credit Services Account Manager and tried repeatedly to return the call and got voice mail and left message and also returned a response to the email requesting that I be called. So, I called the number on my statement and got to a different Account Manager and got so perturbed I ended the call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief