BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My complaint is with XXXXRS accounting Resolutions Services LLC, located on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX. I have been calling and emailing ARS accounting Resolutions on several occasions since XX/XX/2021 concerning their false bill reporting on my credit report. 
XXXX is trying to collect on a debt that I already paid and settle with another collection agency. I settle this debt with XXXX XXXX XXXX collection agency located at XXXX XXXX XXXX, XXXX SC XXXX. And I have sent to ARS proof of payment receipt. I sent ARS the letter receipt from XXXX XXXX now 4th times. ARS refuses to remove the false bill from my credit report. When I called them the representative stated that she received my email, but not the attachment. I re-sent email as well as attachments on several occasions. 
After several attempts I contacted XXXX, ( XXXX XXXX XXXX XXXX ) at XXXX and I spoke to a representative XXXX, who informed me to dispute ARS false bill with XXXX, as well as to contact ARS directly at a different contact telephone number that she gave me. 
I contacted ARS at the new number that XXXX gave me and the representative Ms XXXX advised me to re-send the proof of payment receipt via email again. 

This would be my 5th time sending an email to ARS accounting Resolutions Services LLC, located on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX with proof of payment from XXXX XXXX XXXX collection agency located at XXXX XXXX XXXX, XXXX SC XXXX. 
I am filling a complaint against ARS ( accounting Resolutions Services LLC ), located on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX for violating The federal Fair Debt Collection Practices Act ( FDCPA ). As a consumer my rights have been violated by ARS as their refusal to comply with Federal Law procedures in not protecting my rights as well as my violating my credit report. I would like to get {$1000.00} monetary compensated for their violations in lowering my credit report and not removing the false bill even after I have provided proof and receipt on several emails and communications. 
Attaching all proof of receipt and documents. 
Thank you

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 2015-10-01
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home mortgage is with CitiMortgage, I 've submitted financials andrequest for mortgage modification several times. My home has a property foreclosure sale date for XXXX XXXX, 2015. I am a XXXX Veteran I have served my countryfaithfully and I am disappointed with the way I 'm being treated regardingassistance to keep my home. I want to keep my property. PLEASEPLEASE PLEASE help me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act XXXX Account XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: OneMain Finance Corporation
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XXXX XXXX of XXXX, OneMain Financial sued me in XXXX XXXX Alabama. The plaintiff 's lawyer, XXXX XXXX and XXXX claimed that I owed {$13000.00} on an original {$10000.00} loan that I had become late on and was making partial payments monthly. During that hearing, a consent judgement was completed in the amount of {$7300.00}. This motion is based upon the Defendant ( me ) admitting owing the Plaintiff ( OneMain ) the amount claimed. Defendant agreed to pay {$1700.00} on XX/XX/XXXX and 16 monthly payments of {$320.00}, with one final payment of {$360.00} until the balance is paid in full. Payments were due by the XXXX of each month. Plaintiff agrees to delay execution as long as Defendant pays as agreed. 

In XXXX of XXXX, I completed the payments in full. Yesterday XXXX XX/XX/XXXX, a process of Garnishment arrived to claim an additional {$7000.00} from my employer. 

I am considering making formal complaints to the XXXX XXXX court about OneMain and XXXX XXXX and also want consumers to know that this company OneMain Financial does not keep agreements, in or out of court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22
Company: Big Picture Loans, LLC
State: TN
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
I applied early on Wednesday. I was told I had applied and was approved early enough to have the money in my account the next day. I did not. I called and was told it would be in my account the next day. It was not. I waited another day and on Saturday, still no money. I called and was told they had a " system error '' and that I would get it Monday. Well, I doubt I will. Even if I do, that is almost a week later than I was assured I would get the money. I asked about adjusting my payment date and was told they could n't. I asked about lowering the interest charged on the first payment, since I was now, at best, getting the money 3 weeks before the first payment is scheduled instead of almost a month. I was told they could n't change anything. They are charging me interest on money I do not have. This can not be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I took out a loan from Citi Health Card roughly two years ago XX/XX/XXXX. This account was created to pay for an orthodontic treatment and initiated within the doctor 's office. My understanding was that the account was zero interest for a period of 24 months, at which time the account would begin to bear interest at prevailing credit card rates.I made monthly payments on this account up to and including XX/XX/XXXX. My understanding until very recently was that my account was in good standing and payment status was current. However, only after recently pulling my credit report I learned that I had fallen into default status ( 90+ days past due ). As a result, my credit score has been significantly impacted ( decrease from XXXX in XXXX XXXX to XXXX currently ). Additionally, my account balance has increased from {$5400.00} in XXXX XXXX to {$9800.00} as of this week ( as a result of penalties and retroactive application of 30 % interest ). I never received any correspondence of any kind from Citi notifying me of a change in account status, interest rate, or required monthly payment increase. Only after calling Citi proactively did I learn the status of my account ( and only at this point did Citi begin to contact me in an attempt to collect / inform me of the account status - something I wish they had done six months ago when it went into non-current status ). I had the ability to pay this account in full in XX/XX/XXXX. I also should have been notified of the impending change in interest rate and been given the grace period typically allowed for accounts changing status ( and about to incur retroactive application of interest ). 

I have spoken with Citi 's collections/settlement departments in an attempt to settle this account in full ( XXXX XXXX principal balance plus a reasonable amount of interest ). Despite multiple calls, I have been unable to find anyone to work with me on settling this as soon as possible. The lack of notification resulted in penalties and retroactive interest which ballooned into an XXXX % increase of the account balance over six months. This, in my view, is unreasonable, deceptive and predatory. 

I have now paid the account in full under protest ( in order to stop further penalties and interest from accruing and further deterioration of my credit score ).

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 2017-02-22
Company: NETWORK CAPITAL FUNDING CORP
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I receive a notice that my credit was pulled by Network Capital today through Equifax Mortgage. I did not authorize Network Capital to pull my credit. I applied for a loan with them and they told me that they could net help me. I applied with another company and I am closing on my loan in a week. They pulled my credit report on XX/XX/2017 without my authorization and brought my score down by XXXX points. I already contacted XXXX because I have an active fraud alert. Please enforce and stop that company from pulling people 's credit report without their authorization. I read online that they are a repeat offender. I did not authorize and will never authorize them to pull my report. Never.

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 2022-06-02
Company: MoneyLion Inc.
State: NY
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:
In accordance with the Fair Credit reporting act Money Lion Account # LL-I XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have tried several times to get Citibank to correct the errors in how they are reporting my mortgage. This loan was forgiven XX/XX/XXXX when the house was short sold. Yet they keep reporting several delq. as recent as XX/XX/XXXX. I am attaching the XXXX showing forgiveness of the loan XX/XX/XXXX and a copy of my credit report showing how it is reporting to my credit bureaus. They are destroying my credit and after disputing directly with them and the credit bureaus I have gotten no where. Please, please step in and make them remove this item all together from my credit report. Fixing it now is n't acceptable as they have reported it wrong for years and they should error in my favor as they have cost me thousands of dollars in extra interest fees by dropping my credit scores by XXXX points.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
About 10 years ago I established a home equity line through Citibank. To get a reduced interest rate I linked a Citibank checking account to the line of equity. There were no service charges to be incurred for the checking account. Around XXXX 2016 the bank started taking out {$30.00} for monthly service charge. It took a lot of time and effort, but eventually the bank reversed six months worth of the service charges. However, they refused to give me back the {$30.00} that have been charged in the months previously. They had failed to send me my bank statements except you in the mail. They did send me my line of equity statements in the mail. I am requesting that the CFBP tell Citibank to give me back the {$30.00} for each month it was taken out of my checking account. I am thanking you in advance for your efforts on my behalf. XXXX XXXX XXXX and XXXX XXXX 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 2015-07-01
Company: CITIBANK, N.A.
State: AR
Product: Credit card
Issue: Delinquent account

Complaint:
I have a citibank account for XXXX XXXX credit card. The issue I had with them was the fact that I called to make a payment over the phone and to get the account in good standing with a payment plan of some sort as i was behind by XXXX or XXXX dollars, did not make full payment XXXX months. Well they offered me a XXXX dollar a month plan fori beleive 42 months, I agreed and make a XXXX dollar payment that day, the next month i made XXXX payment on the XX/XX/XXXX. The third month i made a XXXX payment on XX/XX/XXXX and was going to pay XXXX on the XX/XX/XXXX -- -payment not late till after the XX/XX/XXXX but when i went to log on to pay i could not logon so i called and they said account was sent to collection company. I asked them about the agreement and they said there was no agreement, and asked do i have it in writing. I told them they never sent paperwork but i gave them the date i called and asked could they not pull notes or andthing from that day i called, and they said no, so I am fixing to add them to a Consumer Credit Counseling Servce program I am currently in and i wanted to make sure they at least agree to terms with that program since they did not honor their agreement at first.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2016-05-20
Company: CITIBANK, N.A.
State: LA
Product: Credit card
Issue: Billing statement

Complaint:
I opened up a Macy 's Credit Card, and charged something. I paid the bill within the first cycle. But for some reason Macy 's has not credited my account correctly and the are harassing me with 'non-payment '. I faxed the proof that it was paid 4 times to the fax number they gave 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 2016-05-17
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a promo in mail from Citibank to open a citi gold account make two bill-pays every month for 2 months and i will receive XXXX citi thank you points. 
after 3 months i received the points but before i had a chance to use them they closed my account and removed the points

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 2015-03-31
Company: CITIBANK, N.A.
State: NV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
1. XX/XX/2015 (? ) I cancelled autopay for XX/XX/2015 and then asked about late fee and I was told there was a 13-day grace period before late fees would be posted. Rep 's actions and info had me breathe a sigh of relief and asked to speak with his supvsr to give him a compliment. 

2. XX/XX/2015 : Autopay went thru anyway. I called again rep stated that autopay had been cancelled but had not posted on their system yet so if it did not show a reversal on XXXX to call back on XX/XX/2015. 

3. XX/XX/2015 : Called, explained the entire situation AGAIN and this time was told could not reversed because it would put my acct into late status ( regardless of 13 day grace period ). Asked for supervisor and rep was on hold too too long attempting to get a supvsr, ( acc to bank policy ) and she would have to end the call. I was not allowed to hold any longer. 

4. Called again and THIS time I was told the cancellation had to have been two business days prior to scheduled autopay for it to be effective Spoke to supervisor who told me nothing could be done. Asked for HER supvsr and was told there was no one else who could help me. 

I was ( am ) having financial difficulties as it is, and NOW my checking acct with a different bank is overdrawn and will have to pay approximately XXXX in overdraft fees! 

AND prior to this, on XX/XX/2015 ( I think ) I was taking care of a pymt and when asked to verify my address they had an address in a city and state where I have never been in my life. They said they made the correction but just in case I called again and they still had the wrong address. So far now, I think, my address is correct again. I am still waiting for an answer as to how and why this happened. Because of the wrong address, I did not receive a stmt and the reason I had to cancel the autopay to begin with.

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