BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-12
Company: NATIONSTAR MORTGAGE LLC
State: NV
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:
In XX/XX/XXXX Nationstar demanded our mortgage payment. We disputed this since the company originated the loan was since put into bankruptcy by the Federal Govenment for fraud. We demand to see contract under FDCPA and they fail to provide oirginal contract for our review that said we must pay them. Subsequently, they begun foreclosure proceeding and we defended by starting a suit in federal court ( XX/XX/XXXX ) and by Nevada 's Mediation Program. At this point all colllection activity should have been stopped according to the FDPCA. In XX/XX/XXXX we filed our law suit in the Federal Court & In XX/XX/XXXX, the Nevada Foreclosure Mediation Program determined that Nationstar had no right to forecluse lack of proper documents. IN XX/XX/XXXX, the Federal Case was dismissed for diversity issue and I file case in State Court in XX/XX/XXXX after Nationstar begun foreclosure proceedings again and we also while case was pending in State Court went through a second Mediation Program. Because of rules changes, Nationstar didn't need proper documents and we were not allowed to challenge the document presented by Nationstar and they were allowed to foreclose even though we had a default judgment for failing to respond in a timely manner in State Court. However, in XX/XX/XXXX, the State Court Judge erroneous dismissed our case based on improper pleadings by Nationstar 's Attorney  that had nothing to do with what we alleged in our suit. Seeing that getting a fair trial wasn't possible by the Judge 's action we decided to pursue a modification through NACA and receive a trial approval from Nationstar in XX/XX/XXXX. Since then, we have not missed one payment or we haven't been late at all not one time. We completed the trial period as scheduled and modification became effective XX/XX/XXXX. After all this, Nationstar now Mr.Cooper went back and reported us late with all credit reporting agencies beginning from XX/XX/XXXX until XX/XX/XXXX. This is unfair and unlawful in accordance with the FDCPA 15 USC 1692. Once a debt is disputed, all collections activites must stop until verification is provided. Proper verification was never provided to us. I believe in some of their modification paperwork they force you to accept these late payments of risk not getting the modification. If need, I will send court documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: MD
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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Synchrony bank is garnishing my wages for unpaid credit card of {$1500.00}. I have never had a synchrony bank credit card so I believe this is fraud. I called today on XX/XX/XXXX about why my paychecks are being garnished. The lady on the phone told me its for an unpaid credit card of {$1500.00}, I told the lady Ive never had a synchrony bank credit card, also told her Ive never had a credit card limit of over {$500.00} in my life before so I know this is not my credit card, but they are trying to make me pay. I just found out that theyve been garnishing my wages since XX/XX/XXXX and I had no recollection of them even doing that. Please help me resolve this matter I cant live off the f my checks now with this garnishments.

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 2023-06-20
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX XXXX is and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28
Company: CITIBANK, N.A.
State: NY
Product: Credit 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:
I was called by the bank issuer ( CITI BANK ) of best buys store credit card stating that I owed a balance of {$600.00} for a XXXX XXXX XXXX purchased in XX/XX/2023. However, I never bought said item and I asked the representative for a receipt confirming my signature to show that I authorized that transaction, however they did not give me a duplicate receipt until months later in the mail showing only the transaction and the store location but not my signature. I personally shop at the Best Buy located on XXXX XXXX XXXX, XXXX for my Best Buy products so I have no need to travel to the Best Buy location in XXXX, XXXX. I have been a loyal Best Buy credit card member for 20+ years and have paid my debts for much larger valued items than what is shown here. I did not authorize the transaction and they cant even show my own signature authorizing the purchase with 12 month financing which I had to do for previous Best Buy orders that I financed instore. I find it ludicrous that the card issuer ( CITI BANK ) can conclude their investigation and state I am held responsible for a charge I did not make when I have a history of paying my debts with Best Buy for over 20 years.

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 2023-10-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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:
To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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  XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Ace Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2023-10-09
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MA
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an email from Columbia Debt Recovery LLC, dba Genesis ( XXXX via XXXX ), on XX/XX/XXXX, at XXXX XXXX, with the subject " Initial Notice ''. 

The email opened with " Columbia Debt Recovery LLC, dba Genesis is a debt collector. We are trying to collect a debt that you owe to RESIDENCES AT THE TRIANGLE. We will use any information you give us to help collect the debt. '' This email was asking me to settle a debt of {$570.00} and that this account bears an interest of XXXX percent per annum. 

I requested the details of this debt, in writing by certified mail on XX/XX/2023. USPS tracking shows the mail has been delivered but the return receipt has not been sent back. I have also not received a response to this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to express my disappointment with the inaccurate credit reporting done by Barclays Bank. This reporting has severely damaged my financial situation. On XX/XX/2023, I noticed a new account on my credit report that I did not open. I immediately sent a notice to Barclays Bank in Delaware, requesting them to validate the debt and remove it from my credit report. I sent this notice via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX. Despite my notice, Barclays Bank has not responded or taken any action to remove the debt from my credit report. As a result, my credit score and report has been damaged, making it difficult for me to obtain credit, which I need to purchase a home. I am requesting that Barclays Bank of Delaware immediately remove the disputed debt from my credit report. I am also requesting that they provide me with a copy of the validation letter that they sent to the credit bureaus. If Barclays Bank does not take action to resolve this matter, I will be forced to take further action, including filing a lawsuit.

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 2023-02-07
Company: YSA ARM LLC DBA Oxygen XL
State: NY
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:
Dear Madam/Sir, My name is XXXX XXXX XXXX 
Im contacting you in regard of a business that closed during Covid.

The name of the business was : IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX Around XX/XX/XXXX We made and agreement with a credit card Processing Merchant doing business as : XXXX XXXX XXXX  as per their fax page header ( see attached ) but invoicing us under the name XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX As you can see from the agreement they faxed to us dates XXXX/XXXX/XXXX at XXXX They agreed to give us a rate of 4 % flat for all our monthly processing. Unfortunately after a review of the charges we later found out that they were charging us in most case between 6 % and 8 % instead. We asked for a refund, but they denied it. Hence we asked repeatedly to close the account ( See attached docs ). They finally confirmed account was closed as of XX/XX/XXXX. 
After some time we were contacted from a collection agency : OXYGEN RECOVERY GROUP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Tel : XXXX Fax : XXXX Email : XXXX We tried to explain that we owed nothing but they didnt care and put a Deroga Mark on my credit. At that point I contacted the Office of the NYS attorney General ( sea attached ). 
Finally Merchant Service agreed not to hold us responsible for anything that Oxygen claimed we owed and thanks to the AG office signed a document confirming that.

Many years have passed and Oxygen still calls me threatening to put me on collection again and ruin my credit if I dont pay {$1800.00}!

I really hope you can help me. I did an internet search and soon fond out that Merchant Service and Oxygen are not new to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This letter is sent to formally dispute certain information that has been reported by your agency and to express my concern regarding the lack of verification associated with this information. 

Here are the items that I am talking about : -- -- -XXXX  XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX -- -- -XXXX  -- -- - XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Equifax -- -- - XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My Transunion credit report states that I had a XXXX loan and the car was repossessed. Thats inaccurate and needs to be removed. I sold the car to 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 2023-10-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
an account was open in my name without my consent due to the fact i was a victim of fraud i was trying to get an place and i found out the people i gave my information and money to wasnt even the ones selling the property i was told i had to leave after paying so much money to them next i tried to pen an account for a bank and was told that i already had an account and it was closed due to low funds and overdraft fees and i stated i didnt open they told me that it was open by me which thats inpossible if i had know knowing of an account being open or i wouldnt try to open one they said acount was open XX/XX/XXXX and i have overdraft of XXXX to pay i let them know again today XXXX XXXX XXXX that i was a victim of fraud so they need to close it here is the case number submited today XXXX wells fargo

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 2023-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have auto account payment setup on my accounts at Bank of America.

I changed my payment sources bank for the auto payment..

Over a YEAR later BOA withdrew a {$2300.00} payment from two different accounts. This action caused one of my accounts to be overdrawn. 
I called BOA and asked for the funds to be returned, on the previously closed account, and to remove all access to that account. Boa returned both payments, put my account in a past due status and started charging me interest I immediately payed the boa bill ( now for the third time ) and then received an interest charge on my next bill, due to there errors!

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 monetary relief
Consumer complaint received 2018-05-06
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
The complaint is about Wrongful Reporting of XXXX Resulted in More Taxes and Suffering. 
Mr Cooper had given wrong numbers on my XXXX ( Box 5, MIP ) for the years XXXX and XXXX, which resulted in more taxes to be paid. They ended up correcting the XXXX for both years, but that was not proactive on their end and took me several attempts to convince them that they gave me wrong numbers. During the conversation over the phone, some employees referred me to some bogus, not-real IRS laws that don't exist, and when I asked for a reference to those laws, they backed out and tried to change the subject, and ended up connecting me to a manager. I have been trying to amend my XXXX tax return, but the allowance I wanted to use for XXXX MIP deduction has expired and no longer available, which resulted in me overpaying taxes to the IRS that I can't recoup due to their delay in correcting my XXXX 's. I asked to be reimbursed, but they declined my request. I had to send too much time researching and trying to amend my tax return, but it ended up time and money consuming, and worthless due to expiration of MIP deduction allowance. They denied responsibility and refused to help even though it was their mistake. I think that might have happened to many people most of which don't know. They did tell me that they updated the IRS on my corrected XXXX 's and that was all they had to to. 
The main issue is that I had my closing around XX/XX/XXXX, where Closing Costs included advanced payments of MIP and else that I agreed to pay at the time. I got my XXXX for XXXX in XX/XX/XXXX and they included only about {$120.00} of MIP paid which I thought was accurate, then I got my XXXX for XXXX in XX/XX/XXXX, which had about {$1300.00}. By reviewing Closing documents from XX/XX/XXXX, I noticed that what Mr. Cooper reported for my MIP in XXXX XXXX was wrong. I had contacted them several time via email and even phone calls, but they denied my claims since they were sure their numbers were accurate. I had to ask to talk several people to over the numbers and insisted that the numbers were wrong, which they started to question but started referring me to IRS law that did not exist to justify their wrong reporting.I ended up asking for verification and references for those laws, and that's when they panicked because they were in violations of some laws. They asked me to allow more time to investigate AGAIN and ended up sending me an updated XXXX for year XXXX with MIP ( box 5 ) amount of {$3300.00}. I am not sure if they did that to others, but the way they received my claim and lack of seriousness caused me lots of frustration and over payments of taxes. They declined responsibility and want me to take the burden of their wrong doing, including my time, money and frustration. 

I can provide more documents upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: NJ
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:
un approved credit inquiry and fraudulent credit cards issued. 
XXXX XXXXXXXX XXXX had to cancel XXXX fraudulently opened credit cards in my name. 
need to request instant freeze for all reporting agencies, eXXXX XXXXXXXX XXXX, equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I had a bank of America prepaid debit card issued by the state of Az for pandemic unemployment assistance. I filed a complaint under case number XXXX which in fact is not resolved but bofa has since sent unrelated correspondence to me in regards to my complaint. The bank is circumventing the issue and covering up my issue of the multiple double charges that I have proof of. The original compliant was filed on XX/XX/2023. Nothing has been done to resolve the problem. I want my statements.

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 2023-10-03
Company: EQUIFAX, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: National Credit Adjusters, LLC
State: GA
Product: Credit reporting 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:
I was reviewing my credit report, I noticed a few accounts in collection that I did not open. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NCA 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 2023-10-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
I have attached an FTC report with fraudulent unauthorized inquiries that are reporting to all XXXX of my credit bureaus

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