BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, EQUIFAX used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. EQUIFAX reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
Company: CITIBANK, N.A.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX, XXXX, XXXX agent in XXXX asked that we make a payment of {$5000.00} to XXXX  XXXX XXXX XXXX XXXX account XXXX. Citi bank XXXX XXXX XXXX NY XXXX. 
The company addreess is XXXX XXXX XXXX, XXXX New Jersey. This amount was paid from a XXXX XXXX through online wire transfer from joint account number XXXX and duly charged from and confirmed XXXX TRN XXXX RFB # XXXX. 
After paying, the recipient claimed that the omission of XXXX from the information would make the payment invalid, AND HE WENT FURIOUS AND ASKED US that unless we sent our IDs he would not make a return to sender request therefore wrote that we should RECALL The MONEY AND HE DOES NOT WANT ANY COMMUNICATION BETWEEN US after we refused to to send the IDS He, therefore, started to abuse us. XXXX XXXX was informed and after 6 months in XX/XX/2020, we were told that CITIBANK REFUSED TO REPLY A CLAIM FOR return of the money and urged to contact CITI BANK. We did but no reply as attached. The recipient Company insisted that no payment was made into the account and therefore it is still in CITI BANK as a suspense account

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
PERSONAL STATEMENTS XXXX XXXX XXXX IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 2022-10-14
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX, a federally protected consumer, and I am making this complaint against CREDENCE RESOURCE MANA, for committing identity theft. I have never given CREDENCE RESOURCE MANA, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with CREDENCE RESOURCE MANA and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving CREDENCE RESOURCE MANA, any right to collect on this alleged debt. 
I have never received any documentation requesting validation from CREDENCE RESOURCE MANA, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If CREDENCE RESOURCE MANA, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDENCE RESOURCE MANA, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDENCE RESOURCE MANA, continues its collection efforts, I will file for litigation for actual damages caused and they will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: NY
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 told XXXX, XXXX and Equifax I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately 6. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Our attachments have all necessary and pertinent contact information for employees mentioned. 

In XXXX, XXXX, we owed Sears/Citi {$10000.00} for a credit card that was issued to me. We could not make monthly payments due to a serious injury, almost fatal fall, and caring for my mother and a mother-in-law with XXXX. The amount was referred to XXXX XXXX XXXX XXXX who sent a letter to me dated XX/XX/XXXX asking for the balance due. 

I called the company and was told by XXXX, XXXX, ext. XXXX, that we could work out a payment settlement. XXXX XXXX XXXX XXXX would automatically withdraw 35 payments of {$280.00} and a 36th payment of {$260.00} that would pay this debt off in three years. We kept our part of the agreement. 

XXXX XXXX, XXXX and Sears/Citi then sent a bill and collection letter for an additional {$5200.00} that they said had accrued in interest since XXXX and that we were still liable for this money. We called XXXX XXXX and spoke Mr. XXXX XXXX, Senior Recovery Manager, and explained this. Mr. XXXX said he would file a complaint for us with his company and Sears/Citi. We called Mr. XXXX, Internal Recovery Unit, Citibank, explained the situation to him and have been afforded no solution. We also wrote to both companies XX/XX/XXXX and have received no resolution. We believe XXXX XXXX and Sears/Citibank are working together to collect more money that is not fairly owed them. We keep receiving bills from Sears/Citibank and a new collection letter dated XX/XX/XXXX from Client Services asking for {$4400.00}. 

Not wanting to hurt our credit rating any further, we have since paid an additional {$940.00} for which we are asking to be refunded to us. 

We received a letter from Citi, dated XX/XX/XXXX, asking us to call them at XXXX because they " require more information regarding your recent inquiry '' and when I did, I was told Mr. XXXX XXXX, Vice President, Citibank, N.A., does not take calls. We spoke to Mr. XXXX, again, who said our complaint was denied but we never received anything in writing. If we were denied, then why ask for more information. We have still not received any written correspondence in reply to our letters and phone calls. 

We have been fair to XXXX XXXX XXXX XXXX and Sears/Citibank but we strongly feel they are working together to charge us more than others in the same situation. They have told us how their process works and it is anything but fair.

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 2018-07-23
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I entered into a modification agreement with Nationstar Mortgage initially for three   months. I agreed to pay $ XXXX  monthly for the three months and was told that if the modification needed to be extended I just needed to contact them to discuss. I made my payments as agreed and timely, however, when going online to make the third payment I received a message that my mortgage was paid in full.

I then received notification that my home was being foreclosed and sold from underneath me.

I am still fighting this in court and have a hearing XXXX XXXX 2018 objecting to the sale of the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I received a letter from Mr. Cooper stating there were delinquent supplemental property taxes due on my property and Mr. Cooper planned to take funds from my escrow account to settle the delinquency. I immediately contacted the Tax assessor for my county and was informed that I was current on all of my taxes, but the PREVIOUS OWNER of the home had a delinquent supplemental tax bill and it was in no way my responsibility. I took my time to conference call the tax assessor and Mr. Cooper to have the tax assessor explain to Mr. Cooper that the taxes due were not my responsibility. I was told by a Mr. Cooper representative that they would do an investigation and confirm the responsibility of the taxes due and get back to me. I was also assured by Mr. Cooper representatives that " numerous letters and correspondences will be sent before we take any money out of your escrow account. '' One week later I received another call from someone at Mr. Cooper telling me they had paid the delinquent taxes out of my escrow account and my payment would be increasing as a result. I asked about the investigation and the agent had no idea what I was talking about, so I asked to speak to their manager and was disconnected. I spent 2 weeks trying to contact ANYONE at Mr. Cooper who could assist me with getting my {$3000.00} back and was told nothing could be done " everyone has to pay their taxes ''. Finally I spoke to someone who told me he would get the situation resolved on XX/XX/XXXX. I have since spoken to the Tax Auditor for XXXX XXXX XXXX who confirmed that the taxes were not my responsibility and that they would be sending Mr. Cooper a refund for the taxes paid inaccurate out of my escrow account. I have attempted to contact Mr. Cooper numerous times to find out when I will see my payment go back down and what compensation will be considered for stealing my money to pay someone else 's taxes. I have not received any response from Mr. Cooper, nor has my payment been reduced back to it's normal amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX SS XXXX current mobile phone XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX/XXXX  XXXX # XXXX, account is reporting 30, DAYS LATE since requested assistance due to the pandemic. 
I have a few complaints in addition to the one above I HAVE NO RECORDS OF THE FOLLOWING ACCOUNTS this problem has come at a time when none of these companies has provided me with any documentation to verify the chain of title of ownership or proof of claim please delete the following accounts : XXXX  # XXXX, XXXX XXXX # XXXX, 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 2022-10-08
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Chime banking gave me a provisional credit involves a dispute XX/XX/2022 The dispute helped to stop payment I closed the dispute Payment was not made notification from the dispute and I was notified to re submit payment with a additional expense added for nonpayment I paid on XXXX XXXX the amount of XXXX plus XXXX of penalty fees Chime bank on XX/XX/XXXX deducted XXXX from my account labeled incorrect and without notifying me I receive XXXX benefits and live on a fixed income chime bank has caused a major hardship Spent 5 daysv since XX/XX/XXXX to resolve issue additional errors were created by the customer service reps in resolution process Documentation of chats and emails available as verbal communicate simply impossible The XXXX that was deducted by chime to recover the provisional credit shouldnt of happened because the company was not paid My current bill to the same place that the dispute is now demanding XXXX money and I dont have it because of chimes actions and now financial penalties and created troubled relationship

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: TX
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:
My personal information was used without my knowledge or consent due to several agencies having a major data breach. There have been auto loans, peroneal loans and credit cards and inquiries that have been reporting on my credit report and I have just recently just become aware of these items. I have disputed these items with the credit agencies over 45 days ago and I haven't received a response nor when I have called the agencies are unwilling to look into the matter by stating that give it some more days for them to receive the disputes. I know it doesn't take over 45 days for them to receive and perform an investigation into the allegations of misuse of my personal information.

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 2018-07-17
Company: NATIONSTAR MORTGAGE LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The problem began for the tax collector in the middle of XXXX when my name and tax amount was not included on the printout of payments from Mr. Cooper. This was just about the time that the files were being transferred to the XXXX XXXX. It went around and around and on XX/XX/XXXX when there was still no payment, he called me to get involved. I called the company. The funds had been withdrawn on XX/XX/XXXX and after that - no one had a clue. I spoke with XXXX XXXX who provided me with a direct phone number and had promised to expedite the issue and would get back to me on XX/XX/XXXX. That did not happen. On XX/XX/XXXX I telephoned your office, left a message for your administrator assistant and NEVER got a call back. Spoke with XXXX who again promised to expedite the issue since that had NOT been done by XXXX. XXXX assured me that she would do it, but it would take 3 business days and though I called first thing on the XXXX, that day did not count. I again called the corporate office and spoke with XXXX who promised to get back to me by XXXX XXXX ET on the XXXX as he was presenting the issue to his VP, XXXX. At XXXX XXXX ET I called XXXX who had forgotten and then called his VP while I was on hold. He told me that it had been reissued on the XXXX and he would give me a tracking # when he had it. He also told me that my taxes were not due until XXXX which is not true. An email from him this morning told me that the check, in fact, had not been reissued, but would be today and overnighted. As of XXXX XXXX ET, I  have heard nothing. With each conversation, the facts as they appeared to Mr. Cooper continually changed. I have been lied to, snickered at, patronized, misled, and have had an experience so horrific.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX of 2023, I received a notice from XXXX XXXX  stating I owed XXXX XXXX XXXX {$210.00}. ON XXXX, I disputed this account by letter to XXXX XXXX, requesting validation. XXXX later provided an account statement from XXXX XXXX, but failed to provide a contract or a signed finance agreement as requested. nor did they provide proof of their right to collect on this alleged debt. On XXXX XXXX inaccurately reported this account to Equifax, XXXX XXXX XXXX XXXX, naming XXXX XXXX as Creditor. On XXXX I disputed this collections account with Equifax. Instead of deleting this account as being inaccurately reported, Equifax allowed XXXX to Update the inaccurately reported account and changed the creditor to XXXX XXXX. Equifax also accepted a fraudulent account statement to substaniate this debt without requiring a signed agreement or contract for services. If they had, they would have discovered there was none. They also would have discovered that XXXX claimed to provide additional coverage outside the coverage period without authorization. 
XXXX did not stop collection procedures until the debt was validated. Prior to this XXXX XXXX report I had a! 00 % payment history and XXXX credit score. I believe XXXX, Equifax, XXXX XXXX XXXX XXXX violated the Fair debt reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: Army and Air Force Exchange Service
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Return items to store for full refund on purchases. Credit lender " MyECP '' kept multiple pay your way payment plans instead of the one for the item purchased and one plan belonging to item. This created two plans with monthly charges, one with the incorrect amount of months listed, increasing the payment amount due to less months with a higher payment. This was not the agreed upon payment plan. The company refused to resolve this matter after multiple attempts, first time stating that the plans were incorrect. Now dealing with incorrect fees and payments and creating a hardship due to false reporting.

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 2023-03-10
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed on XX/XX/23 with my federal tax refund in it and they have asked for multiple paper work and have not had a solution they all work through email and the agents are not XXXX to give me a clear answer about my funds because they only have access to bit of information and they cant know whats going on Ive gotten emails saying I wont be getting my funds that they closed my account with no refund the bank is CHIME.

Company response to consumer: Closed with explanation