BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-26
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DISPUTED ACCOUNTS UNDER THE LAW AND MY RIGHTS MUST FURNISH PROOF AS REQUIRED BY LAW THIS IS A VALID DEBT OR REMOVE IT.   I HAVE DISPUTED ACCOUNTS WITH THE NAME OF  XXXX   XXXX  SEVERAL TIMES WITH EQUIFAX AND DISPUTED ACCOUNTS UNDER THE LAW AND MY RIGHTS MUST FURNISH PROOF AS REQUIRED BY LAW THIS IS A VALID DEBT OR REMOVE IT.   I have not receiv ed one doc ument that shows this account belongs to me bearing my name, address, birth date, social security number, or anything with my signature on it. I have n't even been provided with a contract from  XXXX   XXXX   XXXX   XXXX  that proves I owed this money. Therefore, I have reason to believe an investigation was never completed. These are showing as loans on my credit report and are listed as derogatory!!   There are  XXXX  accounts listed on my credit report with the amounts of {$1300.00}, {$220.00}, and {$470.00}. The amounts also keep changing between the  XXXX  accounts. The  XXXX  account all have the same date reporting of  X/X/2014   . I called the collection company and they state that the actual hospital visit was at a later date in   X/2014 . H ow can someone have a collection filed before the suppose hospital visits. Then also they stated it was three visits in different months but still reporting as  X/X/14   .   These accounts are reporting as delinquent yet I have never received verification of these accounts. When speaking with the collection company they stated that I came in for leg pain and stomach pain which if I did indeed go would be a direct violation on my HIPPA Rights for a collection company to have information pertaining to a medical visit.   The collection is also list on another credit report under another company name and address with different open dates. This information can not be true nor verified because all of the information that is on the different reports. DISPUTED ACCOUNTS UNDER THE LAW AND MY RIGHTS MUST FURNISH PROOF AS REQUIRED BY LAW THIS IS A VALID DEBT OR REMOVE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
For the life of the loan, since  XXXX , not once have I been offered a reasonable amount that I can pay.   I go through this every year. The last time, in  XXXX , I was offered to make monthly payments of over {$500.00}. I keep getting on forbearance year after year after year.   My loan has ballooned from about  $ 35K to almost $ 55K. I  am able to make reasonable payments, not an amount that puts me in a position of having to choose between daily needs and repaying a debt. Thats why I always end up in forbearanceyet again allowing  for Navient to ball oon the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
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:
There is a lien listed that DOES NOT BELONG TO ME. This is violating my rights please remove I have contacted the IRS there is NO LIENS against me why is your company doing this to hurt me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26
Company: Servis One, Inc., Titusville, PA Branch
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about  XXXX   XXXX  ,2017 we ha d water damage due to a storm in our area, we submitted a claim to our insurance company and the  XXXX  came and looked at the damage and after a few days we received a check in the amount of {$3700.00} dated  XXXX   XXXX  ,2017 an d it was payable to my husband and the bank, which means it needs their endorsement. I called the customer service number to get the address and I spoke to  XXXX , she gave me the address and I mailed it. Two weeks later I got a phone call from the bank asking me for the copy of the  adjuster 's  report, when I questioned why they said it is policy and procedure,  XXXX  did not know this policy and procedure and as a result I still have my water damage. I mailed the copy of the report on  XXXX   XXXX ,  2017 till t his day I do not know if they received it because no one knows anything!!!! My water damage is getting worse but I ca n't fix it because I need my money! all the bank needs to do is endorse the check and mail it back to me I made several attempts to reach out to them and no one knows anything!!!!!! I want to solve this problem in a timely manner please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX   XXXX   XXXX  have a collection on my credit report for a total of {$1600.00}. They have  n't ve rified that was my debt. During that time of collection I was n't even legal age to work with  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an accident and was transported to a hospital by  XXXX   XXXX    XXXX   XXXX   on  XXXX / XXXX /  XXXX   They are located at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   .   XXXX   XXXX   XXXX  CA.  XXXX  Phone  XXXX .      XXXX   XXXX  sent me a bill for {$2500.00} and I gave them my  Health Insurance information (  XXXX    XXXX   ).   XXXX   XXXX  paid them the contracted amount of {$2000.00}.     Since they had a contract with  XXXX   XXXX  they have agreed to accept that amount for their service. I do not owe them the difference.     They sent me a bill saying I owed the difference. I called them with  XXXX   XXXX  on the phone and  XXXX   XXXX  confirmed that I did not owe them anything because they had been paid the contractual amount.     They sent me another bill, I conference called  XXXX   XXXX  again and we told them the same thing.     Now they have sent the account to collections.     I called them AGAIN and told them I do not owe them.  XXXX   XXXX  faxed them an explanation of benefits to prove this.     I am still receiving collection calls and letters.

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 2017-04-26
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am having to submit an entirely new complaint because the loan servicer,  Specialized Loan Servicing,   did not address ANY of the numerous egregious violations which were included in our initial complaint. Although they took over the loan from  XXXX , they now defer all violations to them and to  XXXX   XXXX  with whom we have no issue at all. They still claim that we were denied a  Loan Mod  because of missing documents which is patently false and we have all back up documentation to prove that. Nowhere in " their response '' do they even mention the HOBOR and RESPA violations which were clearly and undeniably presented. That is correct. There is NO mention or response to our complaints. Instead, they provide boiler plate language claiming courtesy and expeditious handling of the matter when we have  17  unanswered attempts to contact our SPOC during the prior loan mod process. SEVENTEEN. We were forced into unnecessary BK because they were sending notices to an address in  a Different City. W e were not even given the " courtesy '' of a cost to cure. In short, their response to our complaint was a form letter filled with platitudes, assuming NO responsibility for their mishandling of our documents, egregious errors, and attempted foreclosure with NO valid means of notification. Banking ca n't get any worse than this. Criminal.

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 2020-06-20
Company: Experian Information Solutions Inc.
State: NC
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:
The recently received a copy of my credit reports from all three bureaus were XXXX XXXX XXXX reports a debt on behalf of XXXX XXXX I requested a validation of debt from XXXX with no response then I filed a compliant with the CFPB were XXXX reposed by providing what they say is proof of debt the problem is 1 .... The consent to treat is dated XX/XX/XXXX ( which is typed ) and also signed and is a outpatient consent to treat ... ..since there was a hospital stay according to the bill there would be a consent to treat from the hospital stating inpatient consent the form provided is clearly a form from a regular doctor visit and even lists my primary care doctor 2. The responsible party name in the consent form is XXXX, XXXX XXXX 3. The bill provided shows a Date of service as XX/XX/XXXX to XX/XX/XXXX ( Which doesnt match the consent to treat form dated nearly a year ahead of date of service ) 4. visit number is XXXX according to the bill however the consent form reference number XXXX 5.The collection number did not provide proof that they were hired to collect on behalf of XXXX XXXX 6. I Do NOT have a contract with the collection company namely XXXX Since XXXX wasnt contracted by XXXX XXXX and purchased the alleged debt the fact that they provided my hospital bill is a HIPSA violation It is crystal clear that these documents do not correspond with one another which means that the collections company has not met the guidelines for validation of this debt and must REMOVE all negative derogatory items reporting on my credit file in regards to this collection Item I have attached the consent to treat provided by XXXX  I have attached the hospital bill provided from XXXX Previous response to CFPB compliant number and documentation attached

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 2020-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
Transunion credit bureau is reporting a balance of {$54.00} with The XXXX  XXXX XXXX  on my credit report. This information is inaccurate, I made a payment with my debit card on XX/XX/XXXX for {$54.00}. That payment brought my account to a XXXX  balance.

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 2017-04-26
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
There was a collection account with  XXXX   XXXX   ,   XXXX , account number  XXXX  for   XXXX     XXXX   XXXX   XXXX   XXXX  that was previously deleted from my credit report in  XXXX . I just got an alert that this account was put back on my credit report in  XXXX   XXXX .     The Fair Credit Report Credit States under secti on 611  Procedure in case of disputed accuracy ( a ) (  5 ) ( B ) ( ii ) N otice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later  than 5  business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.     I was never notified of this account being reinserted and therefore is a clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: AmeriCollect
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX  I have a a unverified account from AMERICOLLECT. I had previously disputed this account. I have never done business with AMERICOLLECT. Pursuant to the Fair Debt Collection  Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AMERICOLLECT Provide verification of the following : 1. ) The original Application or contract ; or a Original contract agreement 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AMERICOLLECT Cease  and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The following agency is not bonded in the state of Texas, and can not legally collect debt. Please remove from my credit report and confirm that the debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS  DATE : XX/XX/XXXX   XXXX ,  XXXX   XXXX   SOC  SEC  #   XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  XXXX  MIDWEST RECOVERY SYSTEMS,  LLC  Your company have violated FCRA  615 ( f ) ( 15 U.S.C. 1681m  ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.   I need this resolve, under the Fair Credit Reporting Act, these disputed items  may  not appear on my credit report if they can not be supported by any evidence (  1  ) In general No person  (  company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section  1681c-2  of this title has resulted from identity theft.    ( 2 ) A pplicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragrap h ( 1 )  after the date of a notification under paragraph  ( 1  ).    ( 3 )  Rule of construction Nothing in this subsection shall be construed to prohibit - - (  A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.   A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section  1681c-2  of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.   The reference items are listed below please take this matter very serious MIDWEST RECOVERY SYSTEMS, LLC I have report your company to  consumerfinance.gov  As a form of record and I am prepare to sue your company  Example In re   XXXX   XXXX   XXXX ,  XXXX  Telephone  Consumer Protection Act  Litigation, Case No. 11-MD-2295-JAH-BGS, in the  U.S. District Court f or the    XXXX   XXXX   of California Stop  collection proceedings against me Signatures on applications and accounts Investigators report  TODAYS DATE  XX/XX/XXXX   XXXX ,  XXXX   XXXX  SOC SEC  #   XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have not received any confirmation on how you have verified the alleged account attached in Exhibit D through H and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( copied from the affidavit attached ) ***

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 2017-04-26
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I co-signed private student loans for my son. These private student loans where than purchased by  XXXX   XXXX  and subsequently transferred to Navient. I am a co-signer on this loan with my son as the primary. In  XXXX    XXXX   during the transfer time between  XXXX   XXXX  and Navient my son became delinquent for a 60 day period on the student loan. There was no delinquency for 30 days only a  1 t ime 60 day delinquency. At the time my son was catching up with the payment of the loan and for several months could not afford the full payment however made at least 75 % of the monthly payments, and continued to always send in some payment. At the time he was adjusting to paying  XXXX  private student loans to  XXXX  different companies. Navient placed in  XXXX    XXXX   a  XXXX  time 60 day delinquency on not only my sons report but to my credit report also. As stated I am a co-signer on the loan a guarantee that it would be paid if my son could not pay it off. I have tried to rectify this negative reporting with Navient and with the  XXXX  credit bureaus reported to  XXXX   XXXX  and  XXXX . I have disputed with the credit bureaus with no success. I been meet with nothing but bitter commentary from Navient employees and was provided with no help to eliminate the negative reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Financial Business and Consumer Solutions.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a l etter from FBCS Services s tating that I owed {$290.00} from   XXXX   XXXX   XXXX  . The letter states that my last payment was  XXXX / XXXX / 2013 . The information they gave me states that it was coming from  XXXX   XXXX . I contacted  XXXX  and they have no record no past due collections from me which I already suspected since, I do not go to  XXXX  for my  XXXX  providers. The collector could not give me any other information. There is no record of this bill even being on my credit report. I asked them to send me documentation but they said originally all they had was the hospital name. I believe 100 % is this a scam. This is the first letter I have ever received from them and I do not owe nothing.

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