BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-22
Company: I.C. System, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I terminated a contract for XXXX XXXX and returned the equipment ( router and EMTA ) via a XXXX store. The next day moved I moved out of an apartment in New York. Also on XX/XX/XXXX a claim for {$120.00} was sent by XXXX to debt collections agency I C Systems. From my XXXX bill for XX/XX/XXXX I can see that a {$120.00} charge for unreturned equipment was added to my bill. Yet on XX/XX/XXXX a XXXX service agent confirmed that my equipment was received on XX/XX/XXXX and no balance was owed. I now have a derogatory mark for an account in collections which has significantly damaged my credit. I disputed the account vis XXXX and they rejected the dispute claiming the debt was valid. 

I have proof of all of this : I kept my XXXX  receipt ; I have billing documents from XXXX ; I have the credit report information showing the account was opened on the day I returned the equipment. I have contacted XXXX who confirm there is no balance owed and are writing a letter to that effect. I have attempted to dispute with IC Systems ( results TBD ). 

I think I will eventually be able to resolve this for my account but it has taken up hours of my time and delayed my access to financial services ( I was trying to apply for a credit card which my current score would not qualify for ). My partner and I also wish to purchase a house next year and this could cost us a fortune ( or months of our lives ) if it is not resolved. Light googling reveals plenty of other people suffer the same treatment and many of them were less fastidious record keepers and are simply out of luck. This is also the *second time* I have had issues with XXXX for non-return of equipment so I know it is routine ( and is why I kept all documents ). 

It is, in my view, extremely unethical and should not be legal to send a bill for unreturned equipment to collections prior to the end of the window for equipment to be returned plus some buffer for things to actually be processed. It is an attempt to collect on debt before it is even possible for it to be owed. I am certain that as a scare tactic it cows plenty of people into paying and pads XXXX bottom line.

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 2015-11-04
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are XXXX citizens who own our own home and are trying to reduce our mortgage payments. We have never missed a payment, but our income has been drastically reduced and we BOTH have been diagnosed and treated for XXXX this year, causing major medical bills. We began filing a mortgage modification with our mortgage holder : Nationstar Mortgage on XXXX XXXX, 2015. Each time we provide the forms they request, they wait a week and ask for more information. Then we provide that information. Then they show they received the documents and when we check the status in few days -- hoping we have been approved- they show they need the same documents again. So we have sent them again. They keep asking for documents like IRS form XXXX, which we do n't file, so we send them the form we do file ( a XXXX on form XXXX ) with a letter of explanation and they ask for the XXXX form again. This is all on the website -- we can never actually speak to anyone when we have tried to call. Then someone will call us ( the caller is only a messenger who knows nothing except what he 's reading on the website ) telling us we need the forms, I explain we have sent the forms and they say send a letter of explanation and we do, then the status shows we still need it anyhow. We have uploaded all the forms and letters of explanation again and still no response. In fact, this morning it showed we only needed to send XXXX more thing ( again, the XXXX form ) so we sent another letter, with documentation from the IRS site showing we file the correct form, a XXXX on form XXXX, and now when we looked it shows we need ALL the forms we have already submitted ... twice. We are at our wits end and have no idea what to do. Can you help us?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have not supplied proof under the doctrine of XXXXl by silence, XXXX XXXX XXXX XXXX, I presume that no proof of alleged debts, nor therefore any such debt, in fact therefore exists!

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 2021-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
This complaint is about me and my businesses. I have my business checking accounts closed by theXX/XX/XXXX XXXX XXXX due to Fraud. I requested reports from me and my business and noticed sinceXX/XX/XXXX 2020 several repeated inquires of CAPITAL ONE. I want these inquires to be remove from my personal report and my businessesXX/XX/XXXX EIN XXXXXX/XX/XXXX XX/XX/XXXX EIN XXXX XXXX XXXX XXXX XXXX XXXX I have my bank accounts closed in this financial institution. 


XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: CL Holdings LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Jefferson Capital System account # XXXX. 
I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that every thing is verified correctly. My credit report is still showing inaccuracies, as well the account constantly being deleted & reappearing on my credit reports month after month, my consumer rights has been violated over & over by this company disregarding laws 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows of has reasonable cause to believe that the information is inaccurate. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 
15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX I canceled my services with XXXX when I moved to New Jersey and returned all my equipment. I never received a final bill with a balance. Fast forward to the present date I received a letter from I.C Systems INC claiming owed a total amount of {$840.00}. I contacted I.c Systems on XX/XX/XXXX to get better clarification on the matter. I first person I spoke to was rude and she hangup on me so I called back again because I when to resolve this is and the guy that answered also hang up on me when I was trying to ask for a bill breakdown. So I Called XXXX to see if I can get the final bill that was never sent to me I spoke with a guy on the XXXX XXXX department and he told me My final balance was {$410.00} including XXXX return payment fees and XXXX last fee, he also said he was emailing me a final bill break down when was never received. So on XX/XX/XXXX, I call cox again asking for my bill breakdown, and the guy to spoke with stated that the guy from XXXX I spoke with on XX/XX/XXXX should haven't told me he was going to email me my final bill and also told me that that balance of {$840.00} was including a fee I.c added after they bought the debt from 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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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'm demanding Transunion shall block the following accounts below from my consumer report pursuant to 15 USC 1681c-2 ( a ) no later than 4 business days of receipt. Do NOT " reinvestigate '' these accounts with eOSCAR, as you've failed to do so in the past. Your company is furnishing and reporting FRAUDULENT accounts on my consumer report I did not give Transunion my written permissible purpose to furnish these accounts therefor Transunion is involved in identity theft pursuant to 15 USC 1681b ( a ) ( 2 ) .Please block and delete the following accounts and information on my consumer report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EDXXXX 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 2023-02-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX, when I received my Bank of America XXXX credit card statement, I noticed over XXXX dollars in credit card charges that were not mine or my business partners. I contacted the credit card immediately. They asked me if I had the card and I told them that once I saw the statement I went to look for the card and realized it was XXXX stolen ; reporting the card was no longer in my possession. The XXXX XXXX asked me the last time I remembered using the card and went over the list of charges. I identified what charges were unauthorized and fraudulent. I was assured it would be resolved and was sent a new card. I asked the agent If I should make a payment on the valid balance and she advised me that I should make the payment before the billing due date to avoid interest. 
A few days later I received my new Bank Of America XXXX XXXX card and noticed the charges were taken off. A month later in XXXX, I noticed the fraudulent charges back on my account. I called a fraud XXXX and they told me it was because I made a XXXX dollars payment after I reported fraud. I explained to her I owed that amount and was told to make that payment, but that the fraudulent charges weren't mine. She stated she understood and re-disputed the fraudulent charges. A month later, I received another letter stating I was still liable. I called and they said because I didn't report that my card was missing and the chip was used. I explained that I did report the card was missing and to in my possession. The new fraud person researched and saw that and said he would refile the dispute. I waited and was told that I was liable just because and it was final. I continued to dispute and told them they were not honoring their fraud protection guarantee and that I would not be paying the fraud charges. They said I had to. So, now I am reporting it here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Comerica
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2022, {$230.00} was withdrawn out of my XXXX XXXX debit card account from XXXX 's XXXX XXXX. I did not do this transaction nor did I authorize this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX, XXXX  XXXX # XXXX, XXXX # XXXX XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX  XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX has violated my rights . 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please see the attached documents to understand what had happened.

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 2015-11-04
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I do have a Mortgage with NationStar Mortgage. After having them modified the loan in XXXX 2013 where I started making payment. On XX/XX/XXXX of the same year I have my XX/XX/XXXX payment returned. When I contacted them, they informed me it was because the mortgage went up and my payment was not sufficient to pay the new mortgage amount. I have never received any letter telling any thing about me that. Since then, the account is a mess and they have no desire to fix event though I made several request for that. Now I am afraid because I do not know when they will come and kick me and my family out of the house. To finish with this situation and have, my family and I, peace of mind, I decided to sell the house. It is at this point that I was informed that I have second mortgage on the house which I have never requested and know about it. Even if I sell the house for the amount of {$290000.00} I can not pay off the loan that was originally for about {$180000.00}. I like my house and it is the only one I have to live with my XXXX ( XXXX ) kids. I need help to solve this situation that last too long due to a miscommunication on the part of the lender. I did all I can but with no solution because the Mortgage Company does not want to find a solution even though I can pay for my mortgage. I work so does my husband. And with both income we can easily make our monthly payment, but NationStar Mortgage refuse all my proposition for solution. 
I have more to say about this Mortgage Company, but I save them for later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
NCB Management Services failed to comply with an agreement to remove Account XXXX from all credit bureaus. This is still reporting as a derogatory remark which is affecting my financial health considerably. The original creditor was XXXX XXXX XXXX. The account was settled over 2 years ago on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX XXXX  XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO 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 2015-11-03
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar has agreed to approve a borrower 's file for a short sale ( see attached docs ). I 've complied with all the terms and conditions of the initial approval docs sent to the borrower and received written instructions that the process will take 2-3 weeks once docs were submitted. I have experienced the reassignment of this file 4 times in the last 30 days that has caused unbearable delays. The last POC on XXXX required that I upload docs which I did promptly and received information that the approval should be within 2-3 weeks. After several attempts via phone and emails via equator to obtain an update, the file was sent to the Auction Dept after Equator showed the file owner changed again to XXXX XXXX? XXXX. I was informed by XXXX that because the first buyer " walked '' the file went to Auction. Actually the first buyer did NOT walk! It was determined by Nationstar that his offer was too low and would not meet the net required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: AZ
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:
n accordance with the Fair Credit Reporting act XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  Account # XXXX, XXXX/XXXX/XXXX  Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear MIDLAND CREDIT MANAGEMENT  Account # XXXX ; XXXX XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with non-monetary relief