BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-08
Company: EQUIFAX, INC.
State: TX
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:
I was notified and sueing Equifax because of data breach have a security freez for free and XXXX refuses to I filed complaints to CFPB over or about 1oo times now XXXX has blocked me from disputing information on my credit account, Because of the Equifax data breach I see on Equifax information hard inquiorys I didnt aplly for so called the companeys on the list and they have not ever heard of me and dont have me on file ever apllying so contact XXXX and they refuse to do anything then I found out that someone was working under my information in XXXX XXXX I live in XXXX. 
Then I wrote a letter to them 19 times about the problem they blocked me from writing then I had a piad account but they blocked me from that then after they blocked me from online account they still charged me for servicesw till my bank XXXX XXXX blocked XXXX from all accounts so no one can use there cards for them. 
then I called they blocked me form calling but by law they have to send me a letter showing the reason they blocked me and they have not I know this for a fact because they dont even have my right address so could not even send me anything so they told at one time that they dont dispute hard inquiries I had to contact they companies directly but they cant do anything because they dont even have me on file so they dont have nothing to dispute on file so they cant help, then I contacted XXXX they said cant help me even with a police report they dont care. 
Then when I call they say I am blocked, online I am blocked then write a letter they reurn it in there self addressed envelope and return it to me with a letter saying I am blocked from writing, I did CFPB complaints on them then they tell me to call them when I call they say I am blocked from calling to right them so I write them they return it saying I am blocked from writing then I go on line to dispute the isue and I am blocked from my account saying I have to write they keep saying this on response to my CFPB complaint then when I respond they restart by telling you to call in there response all over again. 
Then I have a friend they worked for them they said on complaints through CFPB are all automated responses and a real person never responds to the complaint ever, and on the account they show I have 5 new hard inquiries as of XX/XX/2018 and score dropped and then I look and there is no new hard inquiries since XX/XX/2018 so they enter peoples account change records for score with nothing changing on the account fraud Identity theft and XXXX   and Equifax and XXXX are showing inquiorys that I didnt do all being done because of the Equifax data breach all three tell me they cont care and cant help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Sequium Asset Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a customer of XXXX last year. I cancelled the service after I was no longer happy with their service and frustrated with the customer service. I cancelled it some time last XXXX or XXXX and was given confirmation and my account was up to date. In XXXX or XXXX I saw that the company was still billing me after I cancelled services. I spent hours on the phone with different employees to fix the issue and was guaranteed it was fixed and that the charges would be removed and my final bill would be sent ( which should have been {$0.00} ). That clearly did not happen. 
I now see that SEQUIUM ASSET SOLUTION is reporting this as a debt collection on my credit report. I have never even heard from this company. I had no idea this debt was still on XXXX 's system and XXXX has never even attempted to reach out to me so I could correct this or dispute it. 
XXXX has apparently closed my access to this account as I am no longer able to login to it to get any specific dates. This all happened months ago so I am not sure when I spoke with anyone on the phone or confirmation numbers as I believed this was taken care of. There should be all of the call records of when I called and spoke with people. 
I have disputed this with XXXX and will be reporting to BBB as well

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: ONLINE Information Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is invalid and is not authorized to report on my credit. Under the Fair credit act I have never had a contract with XXXX XXXX. There is no signed agreement between me and this company,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Experian Information Solutions 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:
I have disputed the late payments on this XXXX XXXX  XXXX account for months. XXXX and XXXX have reversed them but Experian refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2022-09-02
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I owe {$800.00} and change per month ( all included ) on my loan with loan depot ( a national lender ) I paid {$450.00} twice a month ( {$900.00} a month ) to add an extra payment per year. They received the money but argued that they are not equipped to take bimonthly payments and would apply randomly any {$450.00} to principal. 
After a few months they decided i owed them a full month payment. I called try to negociate the agent told me {$170.00} would put my account back in good standing. I said i had already paid much more than that and had never been late. But to avoid unnecessary stress decided to pay over the phone with a debit card. The agent told me he account was in good standing. 
Nevertheless they kept on sensing me texts harassing me that i still owed them {$90.00} I told them they could use any of thr overpaid money as i was not going to pay a penny more. 
They sent me back the {$170.00} and are now telling me i owe a full month. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: CITIBANK, N.A.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Citibank loan payoff department operates irresponsibly, negligently and is purposefully misleading. Further, Citibank loan dept. refuses to send statements for closed Checking Plus accounts that have a remaining balance. I have made numerous attempts to have my monthly payments automatically withdrawn from my bank account. However, the bank has applied two payments directly from my non-Citibank checking account in bad faith. 

Despite numerous phone calls to Citibank loan and LOC dept., the customer service representatives either ( 1 ) do not know the procedure to set up automatic deduction, or ( 2 ) transfer my phone call to another department who does not handle loan or LOC payments. 

Citibank loan department operates in bad faith and egregiously violates basic customer service and lending rules for the general public by not allowing easy access for their loan payoffs and not allowing consumers to see their loan balances through either regular statements by mail or on-line access.

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 2017-09-05
Company: Advance America, Cash Advance Centers, Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Advance America Number XXXX made 2 ach deductions on my checking account using check number XXXX dated XX/XX/XXXX in the amount of XXXX and they made another attempt on XX/XX/XXXX in the amount of XXXX. 

Also on XX/XX/XXXX I received a call from the manager XXXX about coming in to pay on this same check that they made 2 attempts on or he said that he was going to deposit the check that is in his office. I said I do n't have the money because I wo n't be receiving my payroll on the XXXX and because of the holiday, I will not get my payroll until the XXXX of XXXX. 

I went in to the office and paid the interest of XXXX ( which I incurred another fee of XXXX plus XXXX. ) Because of what is happening with Advance America, I am going to my bank and will have to close my account to prevent them from taking the funds out of my office, and if funds are not available, I will get a charge of {$37.00} which they have caused. 

I am not going to conduct business with Advance America anymore. 

I saw on my bank statement that the attempts were made, not successful, thus causing my to have nsf fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We recently refinanced our mortgage. The lender, Freedom Mortgage, charged us for four pay-off statements even though there were only two payoffs received by the escrow company. So the overcharge was {$60.00}. We reached out to Freedom by phone an email. They refused to confirm that we would receive a refund of {$60.00} for the two additional pay-offs.

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 2019-04-18
Company: Allegiance Accounting Services, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company called me yesterday XX/XX/19 about an unknown debt fromXX/XX/XXXX for the amount of {$860.00} ... ... I have no knowledge of this particular situation. Also it is from a state that I do not reside in ... .They also had an incorrect last name on the account. And they threaten to sue me several times during this call which made me very uncomfortable. I'm totally unhappy with this experience and they could not provide me with any proof of signed contract or anything as I spoke with them to try to figure out about this unknown matter. The representative I spoke with name was XXXX XXXX the company name is Allegiance Accounting their phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I paid two companies for an at home business opportunity.The first one was XXXX XXXX who took XXXX dollars from me and never rendered me any services. The second one was XXXX XXXX who took XXXX from me and rendered me no services.XXXX XXXX was on XX/XX/XXXX.XXXX XXXX was on XX/XX/XXXX.I think there should be no reason XXXX would look into this for me.Both these companies lied to me and robbed me.If a company does not render services i must have some recourse with XXXX   my card.XXXX should not let these people operate a merchant account.I explained to both these companies I am XXXX years old and they insisted I would not have to work at this.I also spent 36 years in the service.This is defrauding the elderly if nothing else and XXXX should act accordingly.If services were never rendered .How is there a time frame when no services were rendered.My bank should do the right thing.

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 2021-09-23
Company: Experian Information Solutions Inc.
State: MD
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:
Requesting dispute as this information is inaccurate. 
I have several student loans reporting on my credit report preventing me from obtaining credit for a home loan or for any other loan ( or credit card ). The balance on my student loans are affecting my credit score daily. Over the past several years I have made payments on my student loans but my credit score continues to go down.

Some student loans are reported on my credit report twice ( which needs to be removed ).

Student loans have had a direct impact on my credit score.

I'm requesting a good will deletion from report ( as payments are still being made ). 
This is hindering my ability to qualify for a mortgage or auto loan. 
Also, late payments from several years ago still show on my credit report which still affect my ability to qualify for credit cards or loans. 
When I apply for credit I'm denied. and the reason I'm not approved is because : - Time since delinquency is too recent ( incorrect information ) -Proportion of loan balances to loan amounts is to high ( incorrect information ) -Serious delinquency and derogatory public record or collection filed ( incorrect information ) -Total number of credit inquiries ( incorrect information ) Requesting dispute as this information is inaccurate. 
Requesting a hardship until issue is corrected.

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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Date of transaction XX/XX/XXXX amount of money lost in scam : {$3000.00} I reached out to my local Chase branch @ XXXX XXXX XXXX XXXX, XXXX Ga XXXX to ask them for assistance in how to get my money back as I was scammed out of {$3000.00} by using XXXX through Chase. Someone hacked my trusted friends email account and asked if I could send XXXX for a purchase I had made on furniture we had agreed to. I sent it on XX/XX/XXXX and found out on XX/XX/XXXX that his email had been hacked and that never received the money. After several phone conversations with Chase after hours line, an in person appointment at this local Chase Bank, a phone conversation with XXXX where they refused to even let me discuss my case inquiring with them, everyone came to the consensus to tell me that there was nothing they could really do and there was a slim chance of getting my money back. My local brand did nothing to advocate on my behalf when I went in for an appointment. When I inquired about my consumer rights according to EFTA regulation 13, they said that I had no consumer rights in this manner. They could not even call XXXX to speak to them on my behalf. XXXX is deemed safe through Chase advertising, yet, when I called the after hours number with Chase they said " they didn't even recommend customers use it. '' When I signed with Chase I was not notified of this stipulation or cautioned about using XXXX. I have submitted a police report and was told chase would not submit it to XXXX as evidence. I have a police report and a witness that I wanted to submit with my inquire number Chase filed with XXXX, however, they refused to add it to my inquiry to increase my chances of getting my money back with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Every month I call and request payment to be posted to my principal. Every month it's an issue with US Bank posting my payments. I received approval for assist with my mortgage payment from Florida Housing Assistant Program for {$640.00}. In XX/XX/2023 my mortgage payment rose to {$730.00}. Florida Housing Assistant Program only approved {$640.00} but US Bank has requested them to pay the additional {$86.00}. The program is out of funds and will not pay any additional so I called and informed US Bank that I would pay the difference {$86.00} each month. But US Bank refuses to post the {$640.00} to my mortgage because they said it's doesn't cover the mortgage payment of {$730.00}. Even though, I'm paying the difference. I requested an audit on my account but US Bank refuses to process an audit. I asked to speak with someone with higher authority but I was not able to speak with anyone. When I look at my loan online it's showing the {$640.00} in suspense or posted to other but not my mortgage. I called Monday, XXXX XXXX and was told the {$640.00} would remain in other until US Bank receives the {$86.00} difference. Call XX/XX/XXXX and was told the payment was posted but not applied. I can't get any answers and the online account isn't showing the payment being posted.

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 2019-07-19
Company: U.S. BANCORP
State: AR
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 have had two HELOC loans with US Bank for a course of 5 years. I do not actively bank with US Bank. I have a one account that I deposit funds into that are automatically drawn out to pay my month house payment. 

XXXX of XXXX - the auto payment went through and I was short on the my account. I was notified by a phone call later in the month about the error. I quickly went to the Bank and made a payment for XXXX and one for the next month XXXX of XXXX. 

As noted in the letter received by US bank. The Branch ran my XXXX payment twice, which " artificially satisfied '' the payment due in XXXX. I called the bank multiple times to make sure the XXXX payment was back on track and it was. I left for vacation for a few weeks for the holidays and came back after the XXXX of XXXX. Around XX/XX/XXXX I received a phone call from US Bank corporate stating my XXXX payment did not go through. I was extremely frustrated about this since I already handled this, I thought back in XXXX. Account was made whole on XX/XX/XXXX. The next month I get a huge credit knock that took me from a XXXX to a XXXX for a late payment. In XXXX I admit it is my fault for not having funds fully ready. I handle it as soon as I found out. Which was within 30 days. Fair credit laws do not allow you to report this within that timeline. What US bank is reporting is my XXXX payment which they admit in the letter was their error. 

I run a small XXXX XXXX company. I have support my family from borrowing money to us to build homes and then get paid. All of my lines of credits are up for their yearly review and every bank is raising fees and rates due to this one mistake. I really need help. This detrimental to my business, my career and most importantly my family. 

Please help me out in anyway you can! 

Best, 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 monetary relief
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My identity was compromised, a XXXX  XXXX bankruptcy, among several other accounts were placed and remain on my Transunion credit report. I've disputed and submitted proof of ID theft and deletion from all other credit reporting agencies, but Transunion and the Transunion company " XXXX  '' have denied all my disputes repeatedly. This erroneous XXXX  XXXX bankruptcy is seriously hindering my credit worthiness.

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