BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-12
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have been paying on HELOC mortgage on time & verifying my payments using my USPS monthly statements. 

The mortgage servicer had been sending me monthly statements prior to this week. 

I tried setting up my account online this week & due my previous bankruptcy the servicer is refusing allow me online access ( they were included in the bankruptcy but I have equity in my home so I continue to pay them ). 

Now that they have my email address & I consented to electronic delivery they do not want to send me paper statements ( a feature that I had two days ago ). Now they are telling me that they do not send out paper statements. 

So now I have no access to my account online or by paper. 

Every time I try to speak with a supervisor they hang up on me. 

I need help getting this servicer to generate a monthly paper statement. I do not trust their customer service/tech support people & I feel they are just trying to avoid paying for postage. 

I have two new laptops & have reliable internet access so I know that's not my computer.

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 2022-08-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/XXXX and XXXX XXXX i requested that ARSAccount Resolutions send me Validation of Debt and HIPAA authorization. I asked for them to please provide a breakdown of fees including any and all collection costs and medical charges. I also asked for them to provide a copy of my signature with the provider of service to release my medical information to them. This is a medical debt legally required to be in possession of in order to collect on a medical debt. ARS Account Resolutions has done nothing but send me a letter only stating the collection costs. This is unlawful and is detroying my buying power and character a consumer. 
I wrote multiple letters to XXXX, XXXX, and XXXX asking for them to properly investigate ARS Account Resolutions accounts on my credit report on XXXX XXXX and XXXX XXXX also and they have not done so. I reminded them several times that these are MEDICAL ACCOUNTS, that is protected under the Health Insurance Portability and Accountability Act of XXXX Section 1173 and that By improperly verifying the ARS Resolutions account they are compliant in violating my rights. This i very Hurtful and i feel discriminated against and this is very offensive because they are blatantly disregarding my rights as a human being and consumer.

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 2023-05-01
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: Information belongs to someone else

Complaint:
This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXXXXXX XXXX XXXX XXXX  Balance {$1700.00} ; XXXX XXXX XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-04-27
Company: VELO LAW OFFICE
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I called Velo Law to get the amount owed because I was approved for a loan to pay off all my debt. Upon calling I had found out that they added an additional {$400.00} to my original debt and so I asked to speak to a manager. A very rude woman named XXXX said I would need to mail in written request. I asked to settle for the original amount and was told that i had to fill out a monthly financial statement and offer a proposal. She was incredibly intimidating and offensive in her behavior. I then stated I was going to collect some information of my own and report this law office to the XXXX, to which she replied that i was threatening and disconnected the call. I didn't know it was a threat to initiate my consumer rights. This is absolutely disgusting behavior.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Ive been trying to dispute these accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$5000.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Mercedes Benz Financial Services
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I took my car in XX/XX/XXXX  to check and see why my car wasnt holding coolant, plus more things. After a pressure test was done, I received a phone call saying that my thermostat needed to be changed and a hose connected to it thats worn would need to be changed also. I got other services done but refused to get the leaking thermostat or worn hose service to be done. I received a phone call from XXXX XXXX saying Mercedes called them saying my car has been abandoned and needed picked up, due to the fact that the guy had sent one number to save to communicate on but called after the first on a different number and I never got a second email, that Im aware of. I picked up my car XX/XX/XXXX  paying {$1900.00} and when I got down the road I noticed coolant running out faster than it was when I took it. Filling it up again and again for my hour and a half drive to make it home, I later discover all of the fluids I had been putting in was now on the floor board of my car ( 6-8 gallons ). I called Mercedes and they first said theyd change the thermostat for just at {$1000.00} off. I then asked about the damages since water had been sitting on the carpet. They asked I bring it back in so they could see where the water was coming from. I got with my financier XXXX XXXX and told them both what was going on, as I got it towed in. The following day XXXX XXXX called me saying they had received an alert that my car had been abandoned again. I told them what was going on and they asked that I keep them updated. I called to update them first thing XX/XX/XXXX  when Mercedes called me claiming the water was coming from two window seals that needs to be changed. XXXX XXXX then told me that my vehicle was already in the process of being picked up, at the request of Mercedes Benz of XXXX XXXX, they was just waiting on the tow truck. Now Mercedes Benz of XXXX XXXX is running water inside a leaking seal of the door/window sending it to me in a video saying the gallons of water came from that on a day that the sun was out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX  ( XXXX XXXX : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$4400.00} XXXX  XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$460.00} XXXX : XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX  ( Original XXXX : XXXX XXXX XXXXXXXX BANK ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$460.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX Balance : {$580.00} TRANSUNION : XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$110.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX : {$460.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

Fair Solution Due negligence of Credit Bureaus. block this data from my credit report, pursuant to section 605B of Fair Credit Reporting Act and send the necessary warning to all furnishers of this data.

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 2021-01-15
Company: Diversified Adjustment Service, Inc.
State: OH
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 have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for an account with the following : DIVERSIFIED ADJ SVC # 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 2022-04-28
Company: Social Finance, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I obtained a personal loan in XX/XX/XXXX I made extra payments when I took out the loan I was told that I can refinance loan for a lower interest rate once my credit score increased it did and the rates that were offering were significantly higher even though my score was better. 

I called and spoke with several representatives who didnt give me a resolve and they wanted me to wait another month to apply for a better rate. through a third-party XXXX XXXX and I qualified for a lower rate but when I went to the click the link it takes me to the site and the rate jumps significantly I called SoFi and they said that theyre having an issue with XXXX XXXX rates not matching what they have. With my current loan my auto pay was turned off which caused my rate to jump and it caused me to have a higher interest rate which I didnt do and also its making automatic payments from an account with theres no money causing its a bounce back which I didnt do I called in and they were very nonchalant about the situation saying oh it must be a system error now I dont know the exact amount that I owe on my loan I feel like this is some shady business going on and I would like this investigated they are not being truthful in their advertising with their rates theyre doing a bait and switch and its causing issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
Itt lost law suite over private loans, i have private loans with navent from Itt but there still ruining my life. They wont remove the loans from credit. The admitted they did me wrong, how long do people suffer before things get fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: ENCORE CAPITAL GROUP INC.
State: LA
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:
XXXX is reporting inaccurate information from Midland Credit Management , Inc. 
I have disputed this company previously on XX/XX/2020. I received a cease and desist via mail for filing a compliant before. This company tradeline is damaging my credit history reporting inaccuracies to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive explained that I have been out of the country for 10 years to XXXX XXXX XXXX XXXX and that the account they have is fraudulent. With proof. They have refused to take this debt off of my credit report and will not remedy this situation. This is affecting my livelihood and preventing me from creating a better life for my family as a man. My name is damaged. My credit is destroyed because of this and their tactics. If I owned this debt I would pay it. I have integrity but this is not my debt and is fraudulent.

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 2021-01-15
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I lost my job and then the pandemic hit. I called to try to negotiate to lower this payment and there was an unwillingness to help. Now my credit score is ruined. I need these late charges off my report so I can move forward. I now have a good job and paying on this debt. 

At one point I was threatened with legal action. I understand this was a big debt, but I was willing to work with them. But it was not a friendly exchange.

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 2023-04-18
Company: EQUIFAX, INC.
State: OH
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX : 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items Any other adverse item of information, other than records of my convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Paypal Holdings, Inc
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, we ordered an item from XXXX. The Item Seller ended up cancelling the transaction and issuing a refund. We got the credit card statement and it showed the item was Paid, and no refund was issues. So, we called Paypal as their company name is on the Credit Card invoice. Paypal supervisor said the Merchant issued a refund on XX/XX/XXXX, just 3 days after the item cancellation. Paypal says the refund usually takes a few days and possibly up to 30 days. Paypal supervisor then said, " We did our job, the money was put back on the card ''. I asked him " then why is there no evidence of a refund? '' He then said, " it can up to 30 days for your refund ''. I questioned him, as he just got done telling me the money was refunded. This supervisor was loud, talking over me, interrupting me and clearly was upset from my questions seeking clarity on the matter. I asked to speak to his Supervisor. This next and last supervisor named XXXX demanded to know my first and last name, so he can Verify the account, this was after i already Verified the account with the other supervisor and the agent before him. I told him my first name and told him i am tired of all the games, as i already went through all this before. He continued to speak over me and be argumentative, so i hung up and am filing this complaint. ALL CONVERSATION WITH PAYPAL HAVE BEEN RECORDED AND MAY BE USED IN A COURT OF LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: NY
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:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX : {$110.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXXXXXX XXXX XXXX charged me {$440.00} for car towing and key replacement on XX/XX/2022. THE CAR WAS NEVER TOWED AND THE KEY WORKED UPON MY RETURN. I disputed the claim to American Express on XX/XX/2022 and they decided in XXXX 's favor even though : 1. The services XXXX charged for DID NOT HAPPEN 2. NO DOCUMENTATION SUPPORTING XXXX 'S CLAIMS CAN BE PROVIDED ( e.g. receipt for towing -- the burden of proof is on XXXX to prove that these fictional services actually happened rather than me having to prove that they didn't happen ). 

As a matter of fairness, I request that the charge for {$440.00} be refunded to me. 

Thank You For Your Time, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-13
Company: EQUIFAX, INC.
State: MD
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:
It was hard inquiries that was fraudulent & I never applied for. Equifax investigated & found out it was fraudulent activity & they said would remove it. Mailed me a conformation & showing that the items has been deleted but it never was. That's illegal, you can't send me documents explaining it's been deleted and they never deleted it.

Company response to consumer: Closed with explanation