BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled a copy of my   credit profile through  XXXX  and saw that a collection account regarding account #  XXXX  and   XXXX   which ARS Account Resolution claim I owe {$1300.00}. This is not my debt. I sent a certified letter to company which returned back to as " unable to deliver. '' 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.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and   XXXX   ) fr  om your company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [  15 USC 1962e  ] ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

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 2016-08-09
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A Loan Modification Package was submitted to SLS on XXXX/XXXX/2016 37 days prior to a scheduled sale date ( Here to attached ). SLS provided a missing documents letter request on XXXX/XXXX/2016 requesting Tax Returns. A XXXX Form was provided with the package and due to HAMP new streamlined guidelines Tax Returns are no longer required to be considered a complete package. On XXXX/XXXX/2016 the requested documents was sent in the form of a Letter of Explanation stating the borrower 's Non-Filing status ( Fax Confirmation and letter of explanation are hereto attached. ) Confirmation of receipt of the conditions was confirmed with a XXXX at extension XXXX. SLS denied the loan modification request on XXXX XXXX but the borrower 's legal representative did not receive the denial letter until XXXX XXXX, 2016. ( Here to attached. ) SLS did not provide a new request for missing documents nor did they allow the borrower the allotted time to provide such missing documents as required by HAMP Directives prior to denying the loan modification on XXXX/XXXX/2016. In fact SLS sent a letter Dated XXXX XXXX, 2016 received by the borrower 's legal representative on XXXX XXXX, 2016 requesting for the borrower to contact them to provide instructions on how to apply for a loan modification request when the loan modification request was already provided. SLS was diverting there responsibilities as required by HAMP Directives to forward the loan modification request to the new servicer. SLS never provided the borrower nor their legal representative of the servicing transfer rights. The new servicer XXXX XXXX XXXX provided a servicing transfer letter dated XXXX XXXX, 2016 stating the servicing transfer became effective on XX/XX/2016 ( Hereto Attached ). SLS continues to send mortgage statements after transferring effective date of XXXX XXXX, 2016 ( Hereto attached ). SLS denied the loan without proper justification, did not allow the borrower proper time to provide requested documentation as required by hamp directives and did not allow the borrower the right to appeal such decision. SLS did so as a diversion of it responsibilities to transfer the loan modification request to the new servicer as it new in advance of the servicing transfer prior to the denial.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: NAFCO Finance
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have been doing all I can to pay on my truck. Since XXXX it has gotten worse with paying my payments. Threats of repossession and the like. 
Income tax return I paid a large amount. Stimulus check I paid more. I even got a loan from my retirement to make payments. Then they told me again they was going to repossess. They gave me an amount that would pay off the truck. I have it in a text message from Nafco on my phone. I got the amount they wanted. XXXX. Email today says that I still need XXXX more. They received the big check which was a certified check from the bank. By paying off my truck i want to be done with the harassment. I do not trust Nafco Finance. At all

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
Bought American Express Bluebird card XX/XX/2016 @ XXXX. Amount deposited to card {$10000.00}. Spend {$14.00} and {$2.00} on temporary card. Received/activated new card, but did not " link '' temp card # to new card. Have unused balance of {$82.00}. Am Ex will not transfer amount of {$82.00} to activated card because I can not give them either temp card # or code from pack. I shredded those upon activating new card. XXXX gave me printout of transaction, but Am Ex insists can not trace temp card without card # or code. Please note they have my entire profile on file to go by that. Surely I am not the only senior citizen to have neglected to link the two cards. Is this a scam?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Check Security Associates, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX @ Phone : XXXX Fax : XXXX Email : XXXX is trying to collect on a debt that i owe. I sent them a message that im willing to pay at the end of this month but 3 times requested that they do not contact me at work. Just this morning i was contacted and threatened that they would come to my work.I do not like that harrasment they are causing me by calling my work, especially after i repeatedly have asked them not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax is pretending that they ca n't read disputes. I find this very destructive to consumers when they use this type of delay tactic. My dispute was CLEAR and PERCISE and you can see for yourselves as I 've attached it. Against my consumer rights they respond with " PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING ACCOUNT NAMES, NUMBERS AND THE NATURE OF DISPUTE '' I can assume that they are doing this to other consumers and probably NOT just me and need a FINE to get them working on consumers issues. I clearly stated as you will see by my included letter the items under dispute and was clear about the reason for dispute. This a clear case of not doing a proper NOR 'REASONABLE '' investigation as required by LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: EQUIFAX, INC.
State: VA
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:
Dear to whom might concern, My name is " XXXX XXXX ". I have tried to report incorrect information in my account but it has no success so far. I noticed there are most of the addresses that are listed in my credit report are incorrect. 
XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , VA XXXX *** I demand removal of all these addresses as they are not belong to me and our businnes. These inaccurate information above is preventing me from improving credit. 
**** Please investigate these " auto loan " and " other loans " and delete all the disputed items withn 30-45 days in the regulation times as i will be validating all debts from these creditors and never stop enlarging my complaint until my request are done so. 
In accordance of the FCRA [ 15 U.S.C. 1681d ] ( a ) '' Disclosure of investigative consumer reports I must receive a disclosure that this letter was is received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. ". However, I have never received writing mailed or disclosure about any of these loans. The credit bureaus violated seriously FCRA laws which means all of these inaccurate loans have to be removed off my credit account " '' '' '' ****. 
***Auto Loans ***!!! XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX!!! XXXX XXXX XXXX Reported : XX/XX/XXXX ***Other loans**!!! OTHER LOANS *XXXX  XXXX XXXX XXXX XXXX/ Reported : XX/XX/XXXX XXXX XXXX XXXX/ Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX Reported XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX *XXXX  XXXX Reported : XXXX XXXX, XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXX/ Inquiry : XXXX XXXX, XXXX There are no information contact update by this creditor. This account would be intensionally put in my report for the credit bureaus personal-benefit. 
!!!!! DELETE IMMEDIATELY!!!!!! 
****Credit card!! 
XXXX XXXX XXXX/ Reported : XX/XX/XXXX XXXX XXXX  XXXX/ XXXX XXXX XX/XX/XXXX *XXXX XXXX/ Reported : XX/XX/XXXX XXXX XXXX Reported : XX/XX/XXXX!!! These credit card account are not BELONG to me. In all this account show that i late for all payments. However, i never never miss all my credit card payments. 
!!!!! DELETE IMMEDIATELY!!!!!! 
Also In accordance of the FCRA [ 15 U.S.C. 1681l ] Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Williams & Fudge, Inc
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am reporting multiple incidents involving one of your employees. The most recent incident was X/XX/2017 around XXXX XXXX. XXXX XXXX is the person that has called me, my fianc, and my father numerous times, regarding a student loan. About a month ago, he was calling up to 6 or 7 times per day about balance of {$800.00} from XXXX XXXX College. I immediately contacted my father and we paid the debt from XXXX XXXX. Today, he called me again but this time he said it was regarding a {$50000.00} debt to the company he works for. I have always tried to offer any information I could and resolve the issue. I am paying my student debt in monthly payments so I had questions as to why I was receiving so many phone calls from XXXX XXXX and why he was so aggressive over the phone. When I asked for more information, XXXX XXXX said he " did n't know why the numbers were so high '' and that I could be imprisoned for not settling this debt right now. I continued to ask for more information since I was clearly taken back by this news. XXXX XXXX replied by telling me that if I did n't " resolve the issue '' before XXXX XXXX tonight with him that there would be consequences. I wanted to bring this issue to your attention since I 'm sure your company does not condone this kind of unprofessionalism. <P/>Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XX/XX/XXXX I pulled my free annual credit report. After going over my report I discovered someone or persons, has used my likeness to open accounts without my authorization. The following accounts are fraudulent. XXXX   account opened XX/XX/XXXX with charges exceeding {$5000.00}, XXXX XXXX opened XX/XX/XXXX with charges of {$1300.00}, XXXX XXXX XXXX opened XX/XX/XXXX with charges of {$6100.00}, XXXX XXXX opened XX/XX/XXXX with charges of {$1100.00}, XXXX opened XX/XX/XXXX with charges of {$410.00}. I have filed a complaint with the FTC, please see attached complaint report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: LJ Ross Associates
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Finally received a reply to my letter dated XXXX/XXXX/2020 from the debt collector. Attached is the certified letter I sent to LJ Ross requiring information under the FDCRA that I requested. They sent me only what they thought I needed and did not answer my requests. 

Therefore, this matter has not been resolved and NO solutions have been met, and places this debt still under investigation and needs to be removed from my credit report while being disputed. These debt collectors pray on people 's XXXX and who are not educated on the law and take advantage with their collection tactics. 

My next letter regarding this matter will be going to the Federal Trade Commission in Washington D.C.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Associated Credit Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Franklin Collection Service, Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Franklin Collection Services sent me a letter dated XX/XX/XXXX, of which I did not receive until XX/XX/XXXX. Upon receipt of this letter, I immediately sent them a letter asking for them to validate this debt as indeed belonging to me and that I truly do owe them money. After this letter, I did not hear from them again until XX/XX/XXXX ( letter dated XX/XX/XXXX ) where I again sought debt validation from them. I finally received a letter from them ( see attached ) where they are stating that I requested a final bill. I DID NOT REQUEST A FINAL BILL FROM THIS COMPANY. MY LETTER ( SEE ATTACHED ) SPECIFICALLY STATED THAT I WOULD LIKE A SUMMARY OF ALL ACCOUNT ACTIVITIES, INCLUDING PAYMENTS MADE, LATE CHARGES, AND DATES OF CHARGES POSTED, COPIES OF SLIPS INVOICES, PROMISSORY NOTES AND ALL OTHER DOCUMENTS PROVING MY INDEBTNESS, COPIES OF ANY PAPERS THAT SHOW I AGREED TO PAY THEM WHAT THEY SAY I OWE THEM AND THAT THE PAPERS BEAR MY ORIGINAL SIGNATURE. Per the FCRA, I have a right to dispute and request validation for any item on my credit report. This company is reporting this account on my credit report and they DID NOT VALIDATE IT AS MINE ; THEREFORE THIS ITEM MUST BE REMOVED FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Been trying to get Experian to delete these alleged accounts and inquiries. Experian did not do anything but denying. Sent them proofs that other credit bureaus had complied with my request.- XXXX #XXXX- XXXX/XXXX #XXXX- XXXX/XXXX #Inquiries: - XXXX XXXX- XXXX- 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 non-monetary relief
Consumer complaint received 2021-01-19
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:
THESE COLLECTION/CHARGE-OFF ACCOUNTS ARE IN VIOLATION AND NEEDS TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER ACCOUNT WAS CLOSED. 
COLLECTION IS CLOSED-ENDED ACCOUNT AND CAN NOT HAVE LATE PAYMENTS. THESE ACCOUNTS SHOULDN'T BE REPORTING OPEN, NO LIMITS, NO PAST DUE AND NO PAYMENT STATUS. WHEN IN VIOLATION SHOULD BE REMOVED IMMEDIATELY!!!! INACCURATE REPORTING ON DATE OF LAST PAYMENT, DATE LAST ACTIVE 1.XXXX XXXX 2. XXXX 3. ORIGINAL CREDITOR WHICH IS A VIOLATION OF THE HIPAA LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: WASHINGTON FEDERAL BANK
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is regarding Flood Insurance. 

I obtained a mortgage through XXXX XXXX XXXX XXXX XXXX XXXX on the purchase of a home in 2019. I was required to obtain flood insurance. The XXXX banker obtained a quote for us on the flood policy and we accepted it. The premiums were added to our escrow. A year later, when the premium came due, we received a bill, we contacted the insurance company and asked about payment of the premium. We were advised that it was lender paid. A week or so before the premium was due and the policy would cancel, we received another notice regarding the insurance and the premium. We called XXXX and explained the situation. They advised they would follow-up with the insurance carrier. We then received a letter from XXXX advising they had not received proof of insurance and were requiring it. I called XXXX and spoke to their insurance dept and they said I would need to get another policy or they would put a mortgage mandated policy on. I am upset that they did not due their due diligence in making sure they paid the premium I had already paid in my escrow. I am concerned that now the premium will be higher. I spoke with a member of their management and did not feel they were taking responsibility or offering to provide a solution. They and the insurance company are the ones that failed in making sure the policy was paid at renewal. If the premium is more, they should be responsible for the increase. 

Thank you, I await a response.

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 2017-03-10
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Rewards

Complaint:
Hi I jjst got an email from Amex statingWe are writing to let you know that, after careful review of your Membership Rewards account activity, we have removed points from your Membership Rewards program account. Please ensure that any Additional Card members who are authorized to redeem points from your account are notified of this change in your Membership Rewards balance. 

Why We Are Removing Your Points We recently noticed point accrual and redemption activity on your Membership Rewards program account that indicates an effort to obtain and use points in a manner that is not appropriate. Please recall that the Membership Rewards program terms and conditions state that " if you attempt to use or obtain points in a fraudulent way, we may : Take away all points in your program account, Cancel your program account, or Cancel any of your American Express Cards '' Your Options If you have any questions about this letter, or if you believe that the points have been removed in error, please contact us at XXXX ( XXXX ) I had an offer in the mail to sign up for Amex Platinum and get XXXX sgin up points when i got that email and called they said i had that offer before and i don`t qualify for this XXXX 1- I had Amex card before and I NEVER REDEEMED any offers as the card was open for 1 week. 

2- i got the offer MAILED to my house with my name on it with an offer code after I applied, did hard pull on my CR and met min. spending requirement now they say you don`t qualify? 

I would like Amex to honor their advertised offer bearing in mind that i fulfilled their terms and conditions and I NEVER redeemed any bonus offers from them in the past

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX, I have sent numerous times but I dont get any response back from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
The IRS filed a garnishment against my checking account with Fifth Third Bank on XX/XX/XXXX. I contacted the IRS on XX/XX/XXXX and informed them that it was illegal to garnish a XXXX payment according to Federal and State law. They acknowledged the error and released the freeze and faxed the release notice to the bank the same day. On XX/XX/XXXX Fifth Third bank charged me a processing fee for the garnishment and said that the IRS did it. After contacting the IRS again I was told by Agent XXXX that the IRS has nothing to do with the charge and does not charge a bank any processing fee. 

I contacted the bank again and asked the bank to remove the charge. XXXX ( Customer service manager ) said it was impossible to remove the charge because no one knew how to remove it and " we can charge this because the IRS charged you. " XXXX agreed that a XXXX payment can not be charged and referred me to the local branch to see if they could remove it. 

I contacted Ms. XXXX XXXX ( Customer service manager ) at the local branch. She contacted their customer service and asked to have the charge removed. Ms. XXXX was told after working on this for 2 days to tell me that they could only remove the charge if " The IRS sends them a letter stating they made a mistake and instructs them to remove the charge. '' This makes a resolution impossible. If the IRS is not allowed to place a illegal action on the account, the bank should not be allowed to profit from it. This bank should be investigated for fraud and fined for all actions like this discovered. If they are doing this to all of their customers they are robbing them.

Company response to consumer: Closed with explanation