BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-23
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Good morning, I have been finally reviewing all my Best Buy bills, and I realized that I have been charged for a Debt Protection program I never signed up for. ( I believe it Started XX/XX/2009 and I have been charged {$35.00} a month ) I can hardly make payments as it is, so I know I would never agree to this service.

In the past I've always had a hard time logging into Best Buys online statements, because it's never been user friendly. I'm finally able to break down all my charges to see a fee that does not belong there. I have assumed it was interest charges in the past.

I contacted Best Buy, and they referred me to XXXX XXXX XXXX. XXXX XXXX XXXX stopped the service and said they would review my case. They never reviewed it, because I was denied before I got the paper work. My rejection letter came in before the paperwork to fill out.

I would like to know how a charge would start appearing without my consent. I also read online that other parties were affected, and might be part of the data-breach from years ago.

Also Best Buy refuses to respond to my emails!!!!!!!!

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 2019-01-23
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:
I have a late payment on XXXX and XX/XX/2018 XXXX account # XXXX information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received order email from Best Buy for a purchase i did not complete on XX/XX/2021 I called Best Buy on the same date XX/XX/2021 and they advise me that they could not cancel the order, I advise them the purchase was made with a store credit card that is under my name but I did not apply for that card. 

They advised me they would open a fraud case but did not advise me that they would be canceling the order or did not transfer to a department so i can cancel the credit card Order amount : 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 2015-09-01
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
We have a signed purchase agreement with nationstar bank on a bank owned property which they now refuse to honor. They lost the DIL for over a year and now have a replacement deed. they will not even talk to us at this point and are trying to resale the property right now. We are ready to close on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX, 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 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 2020-07-20
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I submitted a CFPB complaint against IC System, Inc for reporting a trade line on my XXXX credit report that does not belong to me. As a result of the complaint, IC System closed the account and deleted the trade line from my credit report. Once again, IC System is reporting the exact same trade line on my XXXX credit report. I have attached the company 's response to my first complaint.

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 2019-10-26
Company: STERLING JEWELERS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/XXXX and XXXX, XXXX, an individual called my employer and spoke to a colleague about a " pending lawsuit against me '' and they needed to " reroute legal papers that were being served to me. '' After the first instance, I told them to not contact my employer again. They contacted my employer a second time, where I again stated that were to not contact me at my place of employment. The person who left the message was named " XXXX XXXX. '' I spoke to someone called " XXXX XXXX, '' who then sent " legal documents '' to my email address. It is a debt collection notice for a debt that I do not owe. It is from XXXX and is not on my credit report. The original creditor had sold the debt years ago. This company, going by " XXXX XXXX XXXX, '' is also known as XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. They have three different addresses and numerous telephone numbers. I attempted to reach out to one of them and it was answered by a law firm called " XXXX XXXX XXXX XXXX. '' The receptionist mentioned she receives numerous phone calls from people trying to contact XXXX XXXX XXXX XXXX. The number for XXXX XXXX XXXX no longer works. 

Additionally, I have sent out " cease and desist notices '' via email and certified mail to all three companies. I spoke to XXXX XXXX on XX/XX/XXXX, after she called my cell phone, and informed her that it is not my debt and they need to stop contacting me. She again threatened to have me served at my place of employment.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: GA
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:
Got a notification of a new account being on my credit report that I did not open. All the report says is Source EXPERIAN Alert Date XX/XX/2023 Balance Amount {$0.00} Open Date XX/XX/2023 Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX City XXXX XXXX Zip XXXX already reported to Experian but they said I needed to make a report 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 2015-09-07
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a mortgage loan with XXXX XXXX XXXX and it took over a year to get a modification but I finally did itMy payments went down to about XXXX. A monthI did n't want to lose my house so I went thru the painstaking processAfter a couple months XXXX XXXX XXXX sold my mortgageTo nation star and they immediately raised myPayments back to almost XXXX. A monthI can not afford this payment and XXXX XXXX XXXXNor nation star will advise or help meI am an XXXX yr old widow with very little incomeAnd just went thru a bout with XXXX XXXXMy home is totally falling apart and I have no moneyTo fix itIt floods the air and furnace do n't operate rightI have plastic bags in windows and doors to keepThe weather out my windows are rotting roof leaksYou name it I 'm in trouble I do n't know what to doTo get my payments back down so I 'm not homelessSomeone please help meI 'm even going XXXX and losing some XXXXAnd no money because it 's all getting eaten upBy my mortgage paymentGOd, will someone please guide or advise me whatTo do?? XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage continually misappropriates my payments. They put the money wherever they feel like, and I have to call on a monthly basis to get it straightened out. I pay my taxes and insurance and have had no escrow since the establishment of the mortgage. In XXXX, they paid my insurer, out of an escrow account that did n't exist, XXXX 10 XXXX days after I paid the homeowners insurance in full. Then they made me responsible for getting their money back. I received a check from my insurer. I put the check, a letter describing what happened and what needs to be done, and a copy of their letter that detailed the situation. The money was full appropriated to my principal and they told me my escrow account, which does n't exist, was in arreers. I had to call to get this matter straightened out and they had XXXX XXXX XXXX payment misappropriated. If I would n't have checked on my mortgage, I would have been " late '' on payment because of this. Now, as I attempt to make another mortgage payment, They have increased my payment approximately {$64.00} to cover escrow costs. THERE IS NO ESCROW ACCOUNT, THERE NEVER WILL BE!. I now have to call them again and get my account straightened out. They are under several investigations, and have several pending lawsuits against them. I want my mortgage sold to a reputable mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: FREEDOM FINANCIAL NETWORK
State: OH
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:
I am a co-signor on a bill consolidation loan for my daughter from Freedom Financial. She has been having financial difficulties since her mother passed away from XXXX and became depressed and got behind in her bills, so in her despair she asked me co-sign a bill consolidation loan {$7800.00}. Freedom plus loan number XXXX. 
They sent me a letter stating that the account was 50 days past due and threatened reporting it to my credit bureau, which they did and my credit score went down XXXX points. Now I received a second threat because I haven't paid her past due balance.. I am on a fixed income and can barely pay my own bills and they showed no empathy for my or my daughter 's situation. Very callous in my opinion!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
In 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. 

XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX 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 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 2015-09-08
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
NationStar Mortgage is added a {$110.00} 0n our mortgage bill for the Month of XXXX, according to the bill they sent us it is stated as fees and Charges and there is no explanation of the reason for the Charges. NationStar has not still explained to us why they have raised our Escrow payment to {$130.00} when our house value is at its lowest. 
We think the cfpb should look very closely at the practices of NationStar Mortgage randomly and illegally charging fees that are not warranted. 
My Family and I are barely earning above XXXX, for them to charge us such fees on top of an 8.5 % interest mortgage rate is just another prime example of their disregard of the struggles that families like us are still going through to keep us in our homes. 
Any fees illegally paid to NationStar Mortgage should be paid back in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: CITIBANK, N.A.
State: OK
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:
On XX/XX/2019 I called CITI Best Buy card to inquire about my ongoing payments on an account I had with them. I have had the account over 2 years. I would use the account for no-interest purchases but I always had {$100.00} a month taken out as an autodraft. This was been done for 2 years. In fact, I know each month when it will be taken out and I can see it on my statement. 

We move from XXXX to XXXX in XX/XX/2019. XXXX XXXX has been my bank account for 10 years. There is not a XXXX XXXX  here, but I placed enough funds to run the rest of the bills through and then call to change accounts. When I called CITI-Best Buy I was told that my account was past due and that I was being reported on my credit. 

They said the XXXX payment was returned NSF and that I had not paid the XX/XX/XXXX payment because of this. I said I never knew it was returned and asked how they had contacted me over this. I showed on my account where it was paid and the account is now closed so I can not view it. 

When I questioned they said even though I get electronic messages, that none had been sent out in regards to this because their system doesn't allow that type of message. I asked about calls. He said he saw once in 60 days a call had been placed to my phone number but it showed " No Contact '' was made. I very much question the truthfulness of that. Then I asked how about mail? I have all of my mail forwarded from my XXXX XXXX XXXX . He said the system shows that it went into my account and " Updated '' my address with a new address that I did NOT authorize and it was INCORRECT. So their computer updated an incorrect address and I was not recieving any physical mail from them either. 

So they could not email me, due to their error not mail me, nor had to contacted me via the same phone number they have had on file for 2 years. But yet I am supposed to know the payment was returned and make a new one from my new bank account. This is absolutely the dumbest thing I have ever heard. 

I told him I wanted the account paid in full and closed on the spot. I told the rep I was reporting them to the CFPB and he chuckled. He said it was their decision to report or not and that the CFPB couldn't reverse anything. I am furious for this action on CITI Best Buy and I believe they should be held fully accountable. 

No consumer should use this company or be subjected to their ways. This is an example of taking total advantage of a customer, lowering their credit score and forcing them to pay higher than normal interest due to their maleficence.

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 2023-06-21
Company: CL Holdings LLC
State: GA
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:
CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong JEFFERSON CAPITAL SYSTEM company this is a written request for you to cease and desist all forms communication with me effective immediately.

12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Furthermore you have no jurisdiction or authority to collect on this allege debt.

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

volenti non fit injuria Volenti non fit injuria is Latin for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine.

You JEFFERSON CAPITAL SYSTEM knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON Volenti non fit injuria Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
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 status incorrect

Complaint:
I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account : XXXX XXXX- Balance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original creditor : Medical ) - Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: Coastline Financial Resources, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/XXXX and XXXX, XXXX, an individual called my employer and spoke to a colleague about a " pending lawsuit against me '' and they needed to " reroute legal papers that were being served to me. '' After the first instance, I told them to not contact my employer again. They contacted my employer a second time, where I again stated that were to not contact me at my place of employment. The person who left the message was named " XXXX XXXX. '' I spoke to someone called " XXXX XXXX, '' who then sent " legal documents '' to my email address. It is a debt collection notice for a debt that I do not owe. It is from XXXX and is not on my credit report. The original creditor had sold the debt years ago. This company, going by " XXXX and XXXX, '' is also known as XXXX XXXX XXXX and XXXX XXXXl XXXX/XXXX XXXX XXXX. They have three different addresses and numerous telephone numbers. I attempted to reach out to one of them and it was answered by a law firm called " XXXX XXXX XXXX XXXX. '' The receptionist mentioned she receives numerous phone calls from people trying to contact XXXX XXXX XXXX XXXX. The number for XXXX XXXX   XXXX no longer works. 

Additionally, I have sent out " cease and desist notices '' via email and certified mail to all three companies. I spoke to XXXX XXXX on XX/XX/XXXX, after she called my cell phone, and informed her that it is not my debt and they need to stop contacting me. She again threatened to have me served at my place of employment.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
IhaveanaccountonmycreditreportforEquifaxthatisnotmyaccount.Thisaccountwasopenedupwithoutmyknowledgeandisfraudulent.Theaccountislistedbelow.

XXXXXXXXintheamountofXXXX

Company response to consumer: Closed with explanation