BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-21
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I am becoming more and more frustrated with your company. Upon finding these errors being reported on my credit report I have taken the necessary steps in order to inform you all of the errors. Nevertheless you all are not doing your part to resolve my issues. My family and I are becoming very impatient. My attorney told me to send this letter in order to alert you all of these errors before taking legal action. I am a person that goes to work everyday in order to make sure my family have equal opportunities just like everyone else. I am a consumer that refuses to be a victim of harassment or abuse. According to 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. Reporting false information on someone's credit report is detrimental to a consumer 's reputation. Sending letters an a attempt to collect debt from a consumer who debts do not belong to is also a form of harassment which is another violation of 15 USC 162d 1. ( 1 ) Constantly sending mail that has symbols of a debt collector on the outside of letter is a violation of the use or THREAT OF VIOLENCE or other criminal means to harm the physical person, reputation, or property of any person ; is an violation of the Fair Debt Collection Practice Act. Also according to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the Equifax Data Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my Mortgage with XXXX XXXX XXXX. Soon after, the mortgage and the home equity loan were both either sold to or turned over to SLS ( Specialized Loan Servicing ) to servicing. 
They have proven to be totally incompetent. I have called them on numerous occasions to complain about accuracy of statements and receiving multiple statements per month, each with different information. 
I called them again this morning, pretty upset, that I currently have XXXX separate statements from SLS for my Home Equity Loan. 

Here is a recap of the current XXXX statements I have from SLSAll XXXX state a due date of XXXX/XXXXDated XXXX : ( Why am I getting a statement a full two months before it is due? ) Amount due XXXX : {$50.00} Late fee if not paid by XXXX $ XXXXXXXXDated XXXX : Amount due XXXX : {$50.00} Late fee if not paid by XXXX : $ XXXXXXXXDated XXXX : ( apparently I have a credit? ) Amount due XXXX : $ XXXX Late fee if not paid by XXXX : {$2.00} ( why would there be a late fee or a due date if I have a credit? 

Dated XXXX : Amount due XXXX : {$50.00} Late fee if paid after XXXX : $ XXXXXXXXAs you can see, XXXX different statement dates, all say due on XXXX, yet all XXXX provide conflicting information. 
This is absurd. I do not trust these people with my money. 

I would like to know:1. 
Does XXXX XXXX XXXX still own the loan, or was it sold to SLS? XXXX XXXX XXXX tells me they sold it. SLS tells me they do not own it, are only servicing it. 
2. 
I put my trust in XXXX XXXX XXXX. I do not have any trust in SLS. I do not want them handling my money because they do so in such an irresponsible manner. If, indeed, they only service the loan - how can I have the servicing transferred to another company? 
3. 
What is SLS? Are they are servicing company? A bank? A debt collection agency? I am told different things by SLS, depending on who I speak to. On the back of their monthly statement it says " This communication is from a debt collector '' I hate to think that my mortgage and home equity loan are both owned by a debt collection agency? How can that be, when it was financed by XXXX XXXX XXXX and it has never been paid late? 
4. 
What can I do to ensure they fix the problem of multiple monthly statements, each containing different payment information? 

5. 
Mostly, what can I do to rid myself of SLS? 

Thank you, XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: CAINE & WEINER COMPANY, INC.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I took my pet to the XXXX XXXX XXXX, after the second visit my pet died and I notified the VCA XXXX. I then received a document from the XXXX XXXX XXXX XXXX stating I have {$0.00} amount due on XXXX/XXXX/16. I then received another document from Caine & Weiner stating they are attempting to collect a debt of {$220.00} on behalf of XXXX XXXX XXXX XXXX dated XXXX/XXXX/16. I will attach both documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: IQOR US INC
State: MD
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have reached out to Alliance Interstate to make a settlement on a XXXX XXXX account. After multiple discussions with collection specialists, I asked for clarity on the reduced settlement amount that I was offered. Allied interstate refused to provide me in writing prior to making the settlement payment of {$1500.00} that this is the amount that they offered to pay. I then asked to speak with a collection manager and was told that the manager was not on duty by XXXX XXXX. Per XXXX, no letter can be sent until after payment to reflect settlement. He initially refused to allow me to speak with a manager. I was then transferred to XXXX XXXX who then admitted that he was a collections specialist and not a manager. I then transferred to XXXX XXXX who identified herself as a manager. She initially told me that following payment on my settlement, I would receive my confirmation in 7 to 10 days. She then refused to answer any further questions and transferred me back to XXXX XXXX. I am now being told that I will not receive my confirmation of payment for approximately one month. I raised the concern of paying a settlement of debt without any proof of the agreement. I was told that the call is recorded and that is sufficient enough. I am requesting Allied Interstate provide me in writing confirmation of the agreed upon settlement. I was told I can not receive any proof of amount for settlement via fax or email.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-18
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a follow up complaint to case # XXXX. On XXXX XXXX, 2016 I received by US Mail an offer of settlement from Medical Revenue Service dated XXXX XXXX, 2016, ( See Attachment ). As previously communicated I contacted MRS on XXXX/XXXX/16 at approximately XXXX requesting a settlement. It was communicated to me that no settlement was available on this account. I can not help but ask how in a matter of 24 hours or less a settlement became available on XXXX XXXX but none was available on XXXX XXXX. That being said, I must question the integrity and validity of any communication I have with Medical Revenue Service.

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 2016-04-19
Company: Stellar Recovery, Inc.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled my service with XXXX and paid by bill in full. They then switched names to XXXX, with whom I currently have service and have an impeccable payment record with. This bill continues to be sent to numerous collection agencies after I have already verified with XXXX that I do not owe them money and they have no record of the account number the collection agencies are giving me. The collection agency can not and will not verify the debt or provide any documentation that I owe this debt even after I told them that I verified it is not a valid debt and not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: Social Finance, Inc.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Sad, but true! 
An ongoing issue for the past 8 months! 
Sofi is our new lender to refinance some private student loans. 
Referral incentive for the amount of {$300.00} has not been paid as promised months ago! 
Have documented emails from the management team with incorrect information and false hope! Numerous phone calls have been made, but no one even cares to resolve the situation. {$300.00} is not a lot of money, but false advertisement and terrible customer service makes us really upset! A copy of emails can be submitted upon request! 
Thank you! 
An Update : just spoke to XXXX XXXX, customer relationship consultant. 
She called me while I was about to submit this complaint. I did let her know and asked her what would have she done if she were in my shoes, and her response was to " let it go ''! 


The manager ( s ) keep having us wait with

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage was with XXXX and that alone should say it all but I 'll continue ... 
We took a XXXX out and decided to add a master bedroom and bathroom to our XXXX bedroom XXXX bathroom home increasing the property value ( or so we thought ). XXXX was assumed by XXXX XXXX XXXX which is where everything went downhill ... XXXX would not honor the appraisal and said we had to re-appraise using THEIR appraisers who essentially came in and LOW BALLED the value at less then half of what the original appraisal was. With XXXX loan payments and now heavily upside down in debt we could no longer afford much thus adding strain on our marriage we filed for bankruptcy and shortly thereafter divorce ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX XXXX owned this debt with account number : XXXX. I contacted XXXX XXXX XXXX to verify this account that was not being reported accurately on my credit report. XXXX sent me a letter on XXXX/XXXX/2014, after reviewing their account on file they were deleting it from my credit report. The account was deleted from all three credit reports. Two months later the same account was sold to " Commonwealth Financial '', I contacted them several times to dispute this account that had been closed. Commonwealth did not respond to my debt verification disputes for the past few months. Commonwealth resold the same account two weeks ago to another collection agency called " XXXX XXXX XXXX XXXX, formerly XXXX ''. This account was closed from the original collection agency due to inaccurate reporting, and now has been affecting my ability to establish credit. Commonwealth has been ignoring my mail correspondence regarding the validation of this debt, and sold it again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: Ray Klein, Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a court XXXX for a XXXX bill from XXXX years ago from a debt collection agency. I called immediately to ask what it 's from and they would n't give any information and said I can pay XXXX of it to settle it but that the legal process would n't stop. I asked how much half would be and they said XXXX, but the amount of suit on the summons is listed as XXXX. I hung up and called again and was given different information. I was told I could make a payment of {$400.00} and monthly installments and it would halt the legal process. I do n't know what this debt is for or how much I actually owe and I 'm getting different information from different people. When I said I was unemployed they just sat on the phone in silence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-15
Company: Suttell, Hammer & White, P.S
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
Debtor timely responded to debt collection lawsuit by filing an appropriate Answer and Notice of Appearance. Plaintiff debt collector then filed a Motion for Default twice and denied receiving the Answer, which there was proof of filing, mailing, and proper service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This agency just added a new collection on my credit file. This is unknown, inaccurate and I did dispute and request validation and nothing again received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: Creditors Specialty Service Inc
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I was sent to XXXX for an XXXX on XXXX/XXXX/XXXX, by representing counsel, after being involved in an auto accident on XXXX/XXXX/XXXX, and was informed by the attorney that if I did not win the case, I would not have pay anything. I received one statement for an overdue account from XXXX in the amount of {$3000.00} in XXXX XXXX. I contacted them to inquire why I was receiving this bill, and provided them with the termination letter from the Law Office, indicating that no money was received from the law suit, per their request. In XXXX XXXX, I received a letter from Creditors Specialty Service , Inc., requesting the amount of {$5200.00}. XXXX XXXX ( CSS ) also contacted me at my job, demanding payment and a call back immediately, threatening to garnish wages and to put a lien on our property. I contacted XXXX XXXX ( CSS ) on XXXX/XXXX/XXXX and requested that she stop calling me at my place of employment. On XXXX/XXXX/XXXX, I spoke with XXXX ( XXXX ) and informed her that I was never given the opportunity to pay this debt, to make payment arrangements, or to utilize my personal medical coverage to resolve this issue, and informed her of the amount that CSS was attempting to collect. XXXX called me back within the hour on XXXX/XXXX/XXXX, and stated that after talking to her supervisor, they felt that CSS was attempting to collect too much for the debt, and she and her supervisor XXXX would be contacting CSS to inform them that the total amount that they could collect ( medical expenses/fees ) would be {$1000.00}. On XXXX/XXXX/XXXX, XXXX XXXX ( XXXX ) called me at home, and attempted to collect the debt. I informed her of the modifications made by XXXX ( which she initially stated she unaware of ), and demanded the payment in full for {$1000.00}. I informed her that I would be willing to make a payment arrangement with CSS ( per XXXX, this would be an option ), and was told that I could not make any payment arrangements, and that I could pay for the debt in full using my XXXX credit card, when she indicated she was looking at my credit report and could see the available credit to use. In addition, she made threats on both occasions to take me to court, and report to credit bureaus. I did not authorize CSS to access my credit report, and feel that this is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Company reported a non valid debt to the credit bureau. Debt validation was sent via certified mail ( tracking number : XXXX ), and they have yet to respond. No idea who this 'debt ' belongs to or why it 's on my credit report. Account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: Commonwealth Financial Systems, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent several letters over the last month to this collection agency requiting that the validate not verify my information. As of today they have not sent me anything in writing that proves this belongs to me, that I owe what they say, and have not provided me with documentation with my signature showing that I authorized the said services or account. According to FCRA validation included everything listed above, and they have failed to provide this information. They have now violated my rights under FCRA and are subject to violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax refuses to follow the law and investigate my disputes. They do not even respond within 30 days, they don't respond at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: TN
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 accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, Amount {$90.00}, but original balance is {$100.00}. XXXX XXXX XXXX has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the XXXX period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.

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 2016-02-24
Company: Stellar Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Refused to cease and desist from incorrectly reporting on my credit bureau report. 

Stellar Recovery Collection Agency of XXXX XXXX XXXX # XXXX, XXXX, MT XXXX is incorrectly reporting a XXXX XXXX XXXX ( XXXX ) account on my credit bureau reports. XXXX provided cable services to my home. During their repair process XXXX XXXX ( and sub contractor ) did over {$1200.00} damage to my home. I promptly brought this to the attention of XXXX and they refused to take responsibility so I cancelled my service with them and did not pay them any more money leaving a final bill of about {$570.00} which I refulsed to bay because of my damage claim offset. 
On XXXX XXXX, 2015 I got a written acknowledgement of the damage and an offer to settle accompanied by a release form. The offer included waiving the balance and a payment from XXXX of {$910.00}. 

Despite having provided copies of these documents and several conversations with the collection agency the company still reports this as " Customer Disputes '' to the credit bureaus. This reporting does not factually, or correctly, describe the circumstances. XXXX owed me money during the period in question and gave me a credit for it. The current reporting negatively impacts my credit bureau scoring and does not accurately reflect that this money was credited to me as a result of negligence on the part of the creditor XXXX. 

I have asked the collection agency to cease and decist from this erronious derogatory reporting and they refuse. I want this completely removed from the bureau reporting as at the creditor actually owed me money while they were reporting me as delinquent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Pinnacle Credit Services, LLC
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
pinnacle credit has reported a debt from XXXX wireless without providing proof of debt I do not owe this debt and I have contacted XXXX they have no records of the debt, pinnacle will not send proper proof of the debt. The credit reporting agencies refuse to properly verify they simply take the word of pinnacle who have been sued numerous time for illegal debt collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation