BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-10
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a bundled internet, cable and phone deal using XXXX for phone and internet and XXXX XXXX XXXX ( XXXX ) for cable. Upon canceling the service, I received a final bill for all services and wrote the check directly to XXXX, as normal. In a couple months, I received a 30 day past due notice from XXXX XXXX XXXX saying my final payment of {$210.00} was not received. I called them and XXXX to complain and was told it would be rectified. More than a year later, a collection notice was put on my credit report for {$210.00}. I disputed the account and the debt was removed from my reports. About a year later, the same {$210.00} collection was put on my report, this time with a new collection agency. I called XXXX XXXX XXXX and they agreed it was likely XXXX 's fault and removed the collection. Now, I again have the same {$210.00} collection added to my account. This time I called XXXX XXXX XXXX and they now refuse to remove it until and unless I provide proof I paid it ( or have XXXX prove they forwarded the payment to them ). This account was paid out of a Sovereign account that has been closed for over 2 yrs and has been successfully disputed twice ( soon to be three times XXXX. I am at my wit 's end with these people. I have never received any collection calls from XXXX, but they obviously did not pay 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 explanation
Consumer complaint received 2021-08-27
Company: Experian Information Solutions Inc.
State: CA
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:
This complaint is against Experian with their unfair credit reporting practices. I have disputed numerous times and asked for method of verification and they have not sent me anything to date that what they are reporting is verified as accurate per the law they are required to do so. 

They are reporting collection accounts with a past due balance inaccurately on my credit report and in accordance with the Fair Credit Reporting Act Public Law 91-506 Title VI, Section 611 Subsection A-D they need to provide the names and addresses of each individual with whom they verified the accounts and the information that they are reporting. The collections in questions are with XXXX XXXX XXXX. 

I will also be filing an official complaint as well with the Federal Trade Commission.

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 2016-01-16
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am behind on my mortgage due to an extended unemployment. I have been working with an HUD approved counselor during this period. I began receiving Social Security {$1600.00} and the HUD approved counselor applied for a Loan Modification with my loan servicer. The servicer came back with a monthly payment amount of {$1500.00}, which I can not afford to pay. The HUD counselor was told from the servicer that my Fannie Mae loan is n't based off of income to qualify. She attempted to contact XXXX XXXX, but was unable to verify what the loan servicer had communicated. I am nearing foreclosure and would like to remain in my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: EQUIFAX, INC.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This information reporting on my credit profile is inaccurate and I would like you to validate that it belongs to me. Per the accounts below : Equifax : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$100.00} Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$100.00} Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$100.00} Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$50.00} Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$50.00} Account number XXXX Collection opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Debt Recovery Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received numerous letters of debit collection from XXXX XXXX regarding an alleged debt owed to XXXX XXXX XXXX. I have never opened an account with XXXX XXXX XXXX, and when I requested a letter stating such i was informed that the account had been closed. I further requested a letter stating such and was informed that XXXX would not forward a letter to me the consumer. So, i further asked if XXXX would inform the credit agencies and the representative for XXXX hang up the phonw.

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 2017-10-10
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notice from Credit Protection Association in regards to a debt. I set up a payment plan and also mailed the equipment back to XXXX, originator of the debt back in XXXX of this year. Credit Protection Association is reporting to the three credit bureaus for the amount of the equipment, but  this was already returned and I spoke to a representative about this as well. We set up a payment arrangement for 3 weeks in the amount of XXXX. The first payment was taken out of my account and I was assured this would not be reported to the bureaus. Well it comes to find out, they never continued with the payment plan ( I never received a call so I figured its been taken care of ), reported to the three credit bureaus anyways and also the wrong amount as well. Why did n't anyone bother to contact 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 explanation
Consumer complaint received 2021-08-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In XX/XX/2021 I XXXX XXXX applied for a Chase credit card, I supplied my SS # which is my open end credit card, I was denied in direct contradiction the Consumer Protection laws which were enacted by Congress ; FDCPA, TILA, FCRA to protect the consumer. I responded to the Adverse Response letter which was sent by JP Morgan Chase explaining as much, to this day they have not responded. The letter details their violations of the laws, and includes the remedies I seek. The documents were sent Certified Mail # XXXX and was delivered XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: SC
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:
Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. 
Per 15 USC 1681 Effective immediately and indefinitely. All of my personal information must be cleared off my report. 
All versions of names except my only Name " XXXX XXXX ''. 
All other versions are in violation. 
There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, South Carolina XXXX. 
ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. 
There are CHARGEOFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. 
There are multiple Hard Inquiries on my credit report that are NOT authorized, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX There are multiple Soft Inquiries that are NOT AUTHORIZED : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX again, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. 
Per the FCPA as a protected consumer I have opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802. Those hits on my credit are not authorized and must be removed.

The S

tudent Loans being reported on my credit MUST be removed. Student Loans on credit report is a violation of the Family Educational Rights and Privacy Act of 1974 ( FERPA ) The school agreed that they will not provide transaction history to any 3rd party.

16 CFR 433.2 & 313.7 - For all Accounts on my Credit Report that show payments to the account MUST be removed because it is ILLEGAL to report ANY transaction history on my consumer accounts to my credit report. I NEVER provided authorization for any institution to report my transactions. ALL current active accounts must be put to Paid as Agreed and remove all payment history, no payment history on any accounts can be shown.

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 2021-08-27
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: Account information incorrect

Complaint:
XXXX continues to report to Equifax that the initial delinquency date of this account is XXXX. This initial delinquency date of this account is XXXX!!! The account was not brought current since this date. XXXX is reporting activity dates to Equifax but Equifax does NOT report based on activity they report based on delinquency!! Activity DOES NOT = delinquency. It does not matter if the there was activity on the account in XXXX. The account was never brought current and the initial delinquency date is XXXX!!! Please report the correct initial delinquency date on my credit report and remove this account from my credit!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Reported a hard inquiry on XXXX and XXXX to the following Credit Bureaus ; Experian, XXXX, XXXX. 

I never authorized or applied for credit or services with XXXX I contacted XXXX and they reported no record inquires but refused to contact the credit bureaus for removal of hard inquiry. 
I contacted the 3 credit bureaus but they said I needed to contact XXXX, so I am getting the run around.

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 2021-08-27
Company: FISERV INC.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I went to cash a check it was declined by telecheck I called them they said my DL was linked to some bad checks that were wrote on my account in XX/XX/XXXX& XX/XX/XXXXI told them that was impossible I was locked up in prison from XX/XX/XXXX-XX/XX/XXXXI sent the paperwork over several times they still havent updated my file I still cant write a check they told me I had to pay them before it would be removed and I can write a check I am not paying for something I didnt do. I have been hung up on they lie they refuse to help me and do their job. Something needs to be done with this company its sad and horrible. At this point I dont know what to do I cant get any help. Please help me I have nothing all my money is in my checking account I cant draw on because the block.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Quicken Loans refuses to close my loan. They pushed off my date while not requesting I provide all required information to do the loan. Now I am in a hotel with my kids and no home because of it. They told my bank I fraudulently provided bank statements for my earnest money check. Which is absolutely wrong. I had the check and everything provided to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: SUNTRUST BANKS, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
SunTrust mortgage did willfully and wrongly violate the rights of the Service member and protected spouse after they had invoked SCRA protection. This violation of Federal law by SunTrust has caused irreparable financial harm to the couple. 
Under the SERVICEMEMBERS CIVIL RELIEF ACT ( SCRA ) 50 U.S.C. App. 501-597b1 518. Exercise of rights under Act not to affect certain future financial transactions [ Sec. 108 ] Item 1, Item 3 and Item 5. 
They have also violated FDIC Rules, FDIC Compliance Examination Manual XXXX XXXX Page V11.3, Adverse Action An adverse report relating to the creditworthiness of the servicemember by or to a consumer reporting agency ;. 
SunTrust has reported to the three credit reporting agencies that for three consecutive months the mortgage payments were greater than 30 days late. 
Both documents protect the Service member and covered spouse from adverse actions by the creditor. Filing a report of three consecutive late payments greater than 30 days sends a strong message to future creditors these individuals are horrible credit risk. 
Attached is a brief from XXXX affirming the same, no adverse reports should be made while under SCRA protection. 
It is also very coincidental that this adverse action was posted at the same time a written request was made to remove PMI.

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 2021-08-27
Company: Nelson Cruz & Associates LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have tryed to call with no avail getting a answering service. 
Im getting the run-around pushing this pushing that button. I'm trying to dispute something on my credit. I have documents and it will not let me upload them, I don't know what to do. 
I don't know what to do otherwise, this company has offered me a settlement and now it shows that they're still charging me a XXXX. I have worked very hard to get my credit back to where I need it, we have took out a second mortgage on our home to pay off all of our debts. Our lender worked very hard for us our find all of our debts. This particular charge was not anywhere to be found at the time which would have been last XXXX, I did not get any papers in the mail as I have lived in XXXX XXXX since XXXX. I have also gotten remarried since XXXX. My name changed from XXXX to XXXX. 
When I did see this debt on there I was totally shocked, that's why I said I had no knowledge of it when I did end up calling a company they told me what it was it was something I had actually co-signed on for somebody several years ago so I had completely forgot about. Had I known I would have taken care of it along with the refinance. 
Also talking to the company they said they had sent something out to my email which I hadn't gotten, she said it may have went to my spam. So I did end up making a settlement with the company and arrangements for payments for XXXX. I did check my spam mail and I found the emails they did offer me a settlements in the emails which was actually less than I settled for when I talk to them. I am now paid off from them but the balance is still showing I owe and derogatory, I would appreciate it if you could please look into this as I have worked very hard to get my credit clean. I also have one for XXXX XXXX  that should not be on there that was paid that they posted and look into it should have came off because that was paid with our home loan and I was wondering if they could please take that off. I'm not sure if I'm emailing this to the right Department but if you could please help me direct it to the right Department I'm going to try to send the document that I have because I'm at a loss I have no clue where to go or how to get help where supposed to go this company is of no help. 
Thank you I would very much appreciate it. 

Nelson Cruz and Associates their reference # XXXX XXXX XXXX  report # XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you XXXX XXXX XXXX XXXX Sent from the all new XXXX XXXX for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
When applying for my student loan, I was under the mistaken belief that the bank would be loaning me depositors money, which it received from its depositors or investors. I have found by researching relevant case law on the matter and reading Modern Money Mechanics, published by the Federal Reserve XXXX XXXX XXXX, that banks create the money I borrowed by using my promise to pay. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. 
In none of my transactions with the bank did any officer or employee notify me that the bank created money by a journal entry ( out of thin air ). This is bank fraud. The banks transactions relating to me lacked two necessary elements of a valid contract. 
Perhaps you should be aware of the following : United States Code, Title 32, Section 24, Paragraph 7 confers upon a bank the power to lend its money, not its credit. In XXXX XXXX XXXX XXXX XXXX v XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX ), the court stated : ( T ) he provisions referred to do not give power to a national bank to guarantee the payment of the obligations of others solely for their benefit, nor is such power incidental of the business of banking. A bank can lend its money but not its credit. 
Again in : XXXX XXXX XXXX XXXX v XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) It has been settled beyond controversy that a national bank, under federal law, being limited in its power and capacity, can not lend its credit by guaranteeing the debt of another. All such contracts being entered into by its officers are ultra vires and not binding upon corporation. See also XXXX XXXX XXXX XXXX v XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 
The bank did not notify me that it created money by journal entry ( out of thin air ), defined as bank credit. To do so would have disclosed that there was no consideration from the bank to me. 
A lawful consideration must exist and be tendered, to support the note. See XXXX XXXX XXXX XXXX v XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. 


I hereby revoke, rescind, and repudiate my signature on the original application. The original application was fraudulent on its face, as full disclosure was not provided. The application did not inform me the bank was loaning me bank credit created out of thin air. 
Had the bank so disclosed this fact to me, that I was in fact borrowing bank credit, I would have known that the element of consideration was missing from the contract and would have not entered into that agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Credit Systems International, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft earlier this year and already disputed some charges with XXXX due to new open accounts under my name. I thought everything was cleared up but I checked today and I have this new account pending saying im under collections since XXXX but I never signed up for anything. The company is registered in XXXX  and I live in XXXX so it does not make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Credit determination

Complaint:
I was called without warning and my card was suspended immediately despite my account being in good standing. In an era of apps and automatic monthly fees for everything from groceries to car sharing this is completely disruptive and damaging. 
The reason? A 'credit review ' So I followed the request for an IRS form that same day. 
I called that day and receipt was confirmed and the Amex rep reviewed the form and told me everything had been completed according to instructions. 
I called several days later and was told the IRS had accepted my form and that the review should be completed that week. 
The form requested was my XXXX which documents a significant income. 
Despite reassurances we are now 3 weeks without access to the card and there has been no response. 
Various apps and services are now all requiring being shifted to other payment methods

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Our household received a letter at our family address from Transworld Systems, a debt collection agency, attempting to collect a debt owed to XXXX XXXX by " XXXX XXXX XXXX. '' NO ONE in the household is named " XXXX XXXX XXXX. '' We DO NOT owe money to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: EQUIFAX, INC.
State: IL
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:
Nothing has happened, but Equifax was irresponsible with my data.

Company response to consumer: Closed with explanation