BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-25
Company: TENET HEALTHCARE CORPORATION
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a medical bill of {$540.00}, in which I was overcharged from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. I called the billing dept at ( XXXX ) XXXX and they agreed to reduce it to {$270.00}. I paid them right away to clear up the bill to get a piece of mind! 

On XXXX, XXXX, I went to XXXX XXXX XXXX XXXX open a checking account and to apply for a credit card. 

On XXXX XXXX, XXXX, I received a denial letter from XXXX XXXX XXXX due to a deliquency, which was listed as the collection account I had already paid for. 

I requested my credit report from XXXX on XX/XX/XXXX, and I found out that Syndicated Office Systems ( whom also goes by Central Financial Control ) put my account to collection. I called the phone # listed within my credit report, ( XXXX ) XXXX, and was told my account was " settled in full '' and had a {$0.00} balance. I requested them to mail me a letter. 

On XXXX XXXX, XXXX, Central Financial Control sent me a letter to confirm that my account was " settled in full '' and that it would take 30 days to update my account with XXXX, XXXX and XXXX XXXX. I gave this letter to XXXX XXXX XXXX for them to process it again and attempted to apply for a credit card there a second time. 

On XXXX XXXX, XXXX, I received another rejection letter from XXXX XXXX XXXX. They advised me that Syndicated Office Systems ( or Central Financial Control ) NEVER removed my account from collection. 

On XXXX XXXX, XXXX, I called the phone # listed within the letter that was sent to me from Central Financial Control, ( XXXX ) XXXX, & spoke with representative XXXX. He said that his company POLICY will not remove it, even though he understood that I had already resolved the case & had a {$0.00} balance. I requested to talk with the manager & was transferred to XXXX XXXX. I had to leave a voice message on his voice mailbox because he was not available at the time. 

On XXXX XXXX, XXXX, since I NEVER received any calls back from XXXX XXXX or any one at Central Financial Control, I decided to call XXXX XXXX Billing Department at ( XXXX ) XXXX & was advised that Syndicated Office Systems is in charge of handling all medical billing. They could not see my account information within their computer system. 

It worries me that if the hospital or medical center gives Syndicated Office System or Central Financial Control too much power to access to their patients ' information from their computer systems, then who knows what they can do with the patients ' confidential information?! 

I attempted to make another call to Central Financial Control and spoke with representative XXXX, who then transferred me to XXXX XXXX # XXXX ( floor leader ). He advised me to fax a letter to " Inquiry Resolution Service '' at ( XXXX ) XXXX to seek for help, but he DOUBTS that they will remove my account from collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-01-11
Company: EQUIFAX, 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:
Ive contacted all 3 credit bureaus ( XX/XX/XXXX, XXXX, Equifax ) roughly 3 weeks ago in writing. I have not received a response. My identity has been compromised. Compromised so much that I cant even get reports online from certain sites like XX/XX/XXXX. Im being asked security questions that has nothing to do with me or my credit, so when I select the answer thats best, its considered wrong. This is not right. I cant get anything done, and the last thing I need is for my situation to be minimized. To my knowledge you guys can help me with my situation. I need your assistance with getting a response to my situation. 

My wish for resolution would be these items being removed from my credit reports that does NOT belong to me, Im also requesting fresh credit report with corrections for my records. Thanks. 

THE FOLLOWING ACCOUNTS SHOULD BE REMOVED : 1. XXXX XXXX XX/XX/XXXX Balance {$2500.00} 2. XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$430.00} 3. XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1100.00} 4. XXXX XXXX  Opened XX/XX/XXXX Balance {$880.00} 5. XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Balance {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I disputed this account with Experian Credit Bureau. This account is still being reported to my Experian Credit report. 

CFPB Report # 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 2016-02-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I specifically wrote experian to erase wrong information on my report. results show residence-deleted, telephone-deleted, employer-deleted. but all wrong personal information still shows in the last page.

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 2020-03-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax! Dumbest collection of incompetent clowns in the known universe! 

After they were hacked in 2017, losing a mere 147,000,000 credit reports ( including mine ), I placed a freeze on my account ( which is another tale of stupidity and incompetence ). 

I am trying to lift that freeze for a week so a lender can offer me a very good zero percent credit card. They only pull credit through Equifax. 

I called Equifax to lift the freeze and was told the computer didn't recognize me so go away. After some time, I was able to contact a person (! ) who told me to send a copy of my Social Security Card ( which hasn't seen the light of day in probably 65 years ), a utility bill showing my address, and a copy of my driver 's license. 

My driver 's license is a Federal Secure ID document which incorporates anti-photocopying technology - it came out a black blob. I was however able to scan it and print a legible copy. 

I mailed the requested papers to Equifax and have heard absolutely nothing in several weeks. The bank has checked the credit several times and comes back with " sorry, still locked ''. It is IMPOSSIBLE to talk to anyone at Equifax, there is NO way to figure out what the computer didn't like about me, there are NO error correction protocols, and they have been absolutely silent, with no communication whatsoever, and they have my name, physical address, PO Box , e-mail, phone number, lists of all my creditors past and present, and everything else imaginable. 

If I was a hacker, I'd probably be into their system in fifteen seconds, however, since I am a mere lowly consumer, I am not worth five seconds of their time to tell me how to prove who I am to them and lift the freeze for a few days. I have their super-secret special code number, but I can't convince their almighty computer to take it. 

All their phone numbers go to auto-attendants, it is impossible to speak with a person, and if the computer doesn't like one of your answers ( and it won't tell you which one ), you are basically out of luck, game over, get lost, go away and don't bother us again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: FBC MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2017, I received a 3rd denial letter from FBC stating I am ineligible due " income is insufficient to qualify for any foreclosure alternative programs at this time. '' I submitted a complaint about FBC not properly calculating my income and they admitted fault and I had to resubmitted paperwork to once again prove income. For 14 months, I 've been fighting with FBC by sending the requested documents and waiting the allotted time for an approval only to be denied again. My income and debt to ratio are not being properly calculated for my loan to be reinstated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I've already spoken with several superiors in the company, and while they may be returning much of the money lost I believe that this company is overall as sketchy as they come. Loan Depot, specifically the branch located in XXXX, FL, was the lender my husband and I went with for trying to find a mortgage for our first home. We initially were working with XXXX XXXX, but he soon provided us with a new loan associate in XXXX XXXX. My husband and I were both at what are referred to as seasonal jobs in the area, but were working on to moving into stable income. XXXX promised this wouldn't be an issue. I told XXXX my student loans for next semester needed to be processed by a certain date and she promised we would be closed in time for them to process after closing, and we didn't and now I may not be able to finish my XXXX XXXX XXXX until the fall. XXXX had specifically told us not to open ANY lines if credit so when my husband and I ( who both lack insurance ) both got injured, I broke my foot and he dislocated his knee, we refused to go to the hospital in return causing further injuries in the name of being able to get this house. Finally, after multiple extensions, our final walk through, numerous injuries, and several last minute tasks closing day was upon us. We were denied after the empty promises of XXXX and everyone we inevitably worked with due to the amount of vacations everyone kept going on. We have sustained physical, emotional, and financial damage all because we put our trust into an accredited lendor, only to find out when reaching out to the Vice President of the company that they weren't even accepting applications for people in the service industry due to COVID-19. They were full of promises they couldn't back, and no one should have to experience the pain and deceit that my husband and I have gone through with the company. They have offered to return money lost on the house, but I will still lose out on this semester and graduation and my husband and I have both harmed ourselves further by not receiving treatment for injuries out of the advice given to us by our loan consultant. Absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
*Email from XXXX XXXX to XXXX  on XX/XX/XXXX* My name is XXXX XXXX , previous XXXX   customer Loan # XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX My Loan has been transferred to another servicer. 

I am writing to dispute the negative credit reported to the Credit Bureau on my account. Due to the Hurricane Harvey disaster, I was placed on a forebearance forgiveness plan with XXXX  and should not have reported negatively on my credit. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- *Email from XXXX to XXXX XXXX on XX/XX/XXXX* Dear Valued Customer, XXXX has generated a support ticket to help us track your inquiry. Your ticket code is XXXX Please use this code in any further communication. 

Please see attached document that states " Please be advised we have removed the delinquent reporting from your credit bureau report to reflect current, transferred XX/XX/XXXX '' XXXX Customer Support XXXX XXXX XXXX XXXX  XXXX, VA XXXX -- -- -- -- -- -- -- -- - I also submitted a dispute with XXXX  on XX/XX/XXXX and received a decision from XXXX  on XX/XX/XXXX stating the following : " The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. '' ****Please removed the delinquent reporting from my credit score as a result of the forbearance forgiveness from Hurricane Harvey Disaster for all months from XX/XX/XXXX to XX/XX/XXXXXXXX I also have an active dispute with 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 2021-01-11
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My belk rewards credit card went into collections. After being contacted by the hired debt collection agency ; I did go ahead and start paying the debt once employed. I sent in a payment around XX/XX/XXXX and the payment was returned which was odd so I then reached out to the debt collectors which is " XXXX XXXX XXXX  XXXX XXXX ''. No response after multiple days of calling and emailing. I then reached out to Synchrony Bank ( original Debt ) to see if they had an explanation as to why the debt collectors had sent my payment back and arent returning my calls. They said it looked like the debt had been sent to another agency ; ok great ... seems like i'm getting somewhere. I and the Synchrony Bank agent call what was suppose to be another agency and come to find out they are only an answering service for the original debt collectors " XXXX XXXX XXXX  XXXX '' so I am now back at square one. I continue to call and ask the call center to have the actual company call me back to inform me on whats going on because not only can they not transfer you but they also can not take payments so they were no help at all. It is now XXXX and I havent heard back from the debt collectors by phone, mail or email. Towards the end of XXXX I continued to reach out to Synchrony Bank on their recorded lines to inform them on what was continuing to happen they pretended they were filing actions and complaints against the company for the issues that I was having and that hopefully would fix the communication issues. Nothing changed and the total continued to go up with whatever type of fees they were adding on. I am sure that it is unethical and illegal to deny payments, ignore calls and emails all while adding on fees to a chargeoff account. I have open accounts with Synchrony that I pay on time and I am disgusted with them as well as the companies they hire to settle debt collections.

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 2023-02-07
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
1.I have never had an account with this company SYNCHRONY BANK , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are SYNCHRONY BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

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 2015-10-16
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was sold several times after the purchase of my home and was with Loan Care ( myloancare.com, XXXX ) before supposedly being transferred to XXXX XXXX XXXX XXXX, XXXX ). I make all my payments via the XXXX XXXX website and when I needed to contact the company in regards to the servicing of my loan I was unable to enter my phone number or loan number into the automated system without being told it was n't valid. 

Once speaking to a rep with the company I was told that my loan is not with them or in their system because it 's with Loan Care ( a sub-servicer of XXXX ). They gave me the phone number for Loan Care and said to contact them. I contacted Loan Care and can not even get through to a representative because neither my social or my loan number is being recognized with the automated system. The system says to call back when I have a valid loan number or social and hangs up. 

Why would Loan Care tell me my loan was with XXXX XXXX and how am I making my payments on XXXX website if neither company is able to recognize my information for me to discuss my loan with anyone?

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