BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-04
Company: Sequium Asset Solutions, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received 3 debt collection notices in the mail from Sequium Asset Solutions stating that I owed XXXX XXXX {$42.00} on each of three " sub-accounts '' for a total of {$120.00}. My existing service with XXXX includes 8 devices all of which are under the main account which is current and makes direct withdrawals from my bank account, with no late payments or insufficient funds events. 
I have called XXXX or Sequium about this issue at least 4 times and most recently spent almost 2 hours on the phone ( I was transferred to at least 8 different reps ) where I discovered the following : - Recovery Department seemed like they were going to help me and transferred me to the Fraud Department to " investigate ''. 
- XXXX with the fraud department confirmed with me that this was a " XXXX XXXX '' and referred me back to recovery to correct the situation. 
- The recovery department has refused to help me and has referred me back to the debt collector. 
- The debt collector has said I need to resolve the dispute by paying them or going back to XXXX to address. 

Upon researching this issue it seems like it has occurred in the past and continues to occur on a regular basis to new customers.It seems to be a great case for a class-action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
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: Old information reappears or never goes away

Complaint:
I found inaccurate and outdated information on my Equifax report. I submitted a dispute. Multiple issues have resulted : 1. Equifax sent me an email saying that my dispute was resolved, with Confirmation Number XXXX, and a web link to see the results. The link did not work, so I could not see the results online. I tried repeatedly. Why doesn't their link work? 
2. I called Equifax to get the results of the dispute, and they connected me to their offshore call center. They asked me 20 questions to confirm my identity, even though I explained the situation and provided Confirmation Number XXXX. Finally they asked me two irrelevant questions : What is the minimum balance payment on my credit cards, and what date did I submit my Fraud Alert. I always pay my credit card balances in full, and have no idea what the minimum monthly payment is. Who cares what it is, as long as I pay it in full every month, which they can see on my credit report. I did submit a Fraud Alert, but I do not remember the date submitted. Who cares when I submitted the Fraud Alert, I did confirm that I submitted it but could not remember the date. So, because I could not answer these two irrelevant questions, they wanted to hang up on me. How about that? 
3. I asked to speak to a supervisor. I discussed the two issues that were on my dispute submission. One issue is that they are reporting credit accounts that were closed ( in good standing ) more than 20 years ago. I recall that one was closed in XXXX, but there were many more old accounts, all closed in good standing, that are still being reported. The supervisor could not correct this situation. Why Not??? The second issue is that their records show that I have a " XXXX '' suffix after my surname. This is totally false. I am the one and only, not the XXXX. Supervisor told me to send them a letter by US Mail with corrections. I asked them to provide me with a form to fill out so that I wouldn't inadvertently provide insufficient information on this issue. Supervisor said that no form was available, just mail a letter. Why don't they have a form to submit corrections? This seems very unprofessional to me. What do you think?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Upgrade, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
They responded to the previous compliant that they have corrected the issue. This has not been down and they are falsely claiming it to CFPB and XXXX. They still have not provided the {$1200.00} and will not respond to my phone calls and emails. This issue is now over 75 days since the loan was applied for and 45 days since the financial discrepancy without any resolution. 

I am including a letter with my timeline of the issues and of the solution I expect at this point. Since XXXXUpgrade refuses to engage in any type of productive conversation or discussion other than telling me they are working on it and will call me. I have been hearing this for 30 days now!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX i transferred money through XXXX, using XXXX balance, to an inactive account. The owner of the account initiated customer service help at XXXX  right away to have the money returned since she could not get into the account as it was inactive. The receiving account owner worked with XXXX XXXX who informed her that she had accidentally activated 3 accounts and deleted 2 accounts leaving 1 active and would initiate the refund to my XXXX account. Nothing changed and the owner then recontacted XXXX  and spoke with XXXX XXXX who was supposed to locate the funds and return the funds to my account, but that if I wished for an update I would have to call directly. I initiated corresponded with XXXX XXXX who told me that the owner of the other account needed to contact XXXX. We then tried to CC each other to read responses for which XXXX XXXX responded that she would help locate the funds to get them back to my account. She also advised that refunds from XXXX   balances are immediate, but i show no refund transaction. At this time all correspondence from XXXX   has ceased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-29
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Receive XXXX calls a day from an unknown number. Picked up to ask for them to leave a message with a call back number. They said they would not do that. Continue to call me while at work XXXX times a day and leave no message or contact information. Once again asked for them to leave information so I can call them back when I am not at work. Once again said they would n't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX XXXX XX/XX/2022 Consumer Financial Protection Bureau po box 27170 Washington , DC 20038 To Whom It May Concern : I am writing in regards to my vehicle loan which was purchased by Santander Consumer USA from the original lender, Gateway One XXXX. The communication prior to the sale of the loan from both, Santander Consumer USA and Gateway One XXXX was deficient. In fact, it was non-existent. The only way I knew that the sale had occurred was via a monthly statement I received from Santander Consumer USA, which I originally thought to be fraudulent. 

I called Santander Consumer USA to inquire about the statement and was told that Gateway One XXXX was no longer in business. A representative from Santander Consumer USA helped me set up my account. I was told that the terms & conditions of the loan had not changed, it was still a simple interest loan contract. However, this proved to be a false statement. The previous lender allowed me to make via Automatic Bill Payment, {$700.00} monthly payments. The extra {$16.00} was always applied as a principal-only payment. 

The representative also stated that they were not allowed to withdraw more than the exact amount due each month ( {$680.00} ) if I used the Automatic Bill Payment method. They did say that I could send in a separate check that would be applied to the principal. However, this also proved to be a false statement. I mailed in XXXX checks : # XXXX in the amount of {$50.00} and ; # XXXX in the amount of {$50.00} These checks were to be applied as a principal-only payment yet, both were applied to interest and principal ( see attached statements ). 

In closing, I would like the simple interest loan to be exactly as the original loan agreement I signed at the dealership. I would like any and all over-payments of {$16.00} applied to the principal from the date that Santander Consumer USA assumed the loan. This will be retro-active with interest compounded at the current APR of 6.99 %. Additionally, I would like the original documentation Santander Consumer USA received from Gateway One XXXXl showing the loan amount they sold. Furthermore, I would like the corresponding information from Santander Consumer USA showing the identical loan amount was passed on to the consumer with statements showing the application of funds. Thank you in advance for any help you might be able to offer. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: CITIBANK, N.A.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX an online purchase was made at XXXX XXXX. The transaction was pid for with my wife 's XXXX credit card XXXX XXXX ending in XXXX. There was difficulty in processing the transaction and at 1st I attempted to use my XXXX XXXX XXXX CITI card XXXX but never received a confirmation. Subsequent XXXX 's also requested a hold authorization for the same amount of {$180.00} on the CITI card even though they billed my wife 's card.. The product has already been delivered and paid for via my wife 's cc but both XXXX XXXX and CITI refuse to release the hold of {$180.00} on my CITI card. I will upload proof that the product was paid for on my wife 's card.

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 I contacted all three credit bureaus ( XXXX, Transunion and XXXX ) regarding unauthorized inquiries on my credit report and wrong addresses reporting also. They have not responded or removed the inaccurate 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 explanation
Consumer complaint received 2019-04-19
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Good morning, Positive this is review is without bias and or inclusion, I would like an explanation why my voluntary child support and my child support is not being considered. My son turns XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. 
Attached you will find a copy of my sons state ID. I have submitted my concerns to the CFPB, just to make sure I receive that your policy is inclusive and there are no bias based on protected class. You repeated the payments must continue for three years, but confirmed the income would not be considered bc he will be XXXX in less than 3 years. Not to mention, his father confirmed he resides in the property and will continue to the household beyond the threshold quoted. 
36 months o There are 36 months from XX/XX/XXXX to XX/XX/XXXX According to the mortgee document below it states : https : //www.fha.com/fha_article? id=883 How are  voluntary payment arrangements for alimony or child support documented? 

The Mortgagee must document the voluntary payment agreement with 12 months of canceled checks, deposit slips, or tax returns. The Mortgagee must provide evidence that the claimed income will continue for at least three years. The Mortgagee may use the front and pertinent pages of the divorce decree/settlement agreement and/or court order showing the financial details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
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:
My XXXX XXXX account ending in XXXX is showing late payments for XXXX, XXXX and XX/XX/2021 when I had asked for a hardship deferral due to covid which was granted by the lender. However, the account was reported as 30 days late three times. I have spoken with XXXX XXXX and they have corrected ( or said they would ) and I have attached the correspondence they sent me stating they would. It has been corrected on XXXX but not XXXX or Experian. I am attaching the XXXX results as well. This is very frustrating dealing with these credit reporting companies as I have written regarding this issue and nothing is done to fix the problem.

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 2019-06-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I applied for a loan with my bank Fifth Third Bank for {$800.00}. They advised to pay in 45 days. I applied XX/XX/XXXX. I waited 3 weeks to get a check from my job. Today was the first. My check was {$860.00}. They withdrew {$820.00}. I had everything scheduled to pay my bills. My daughter birthday is next week. I had ever intention on paying, due to wanting another loan, want to keep my credit good, and a great history with my bank for 2 years. I spoke with a rep. He advised I would only need to pay on the XXXX if XXXX. Never advised of anything else. When my money was withdrawn today I called and spoke with a supervisor. She said she will coach the rep for not informing me of being able to withdraw at any time. Please help. Loyal customer. Thanks for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: EQUIFAX, INC.
State: NY
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:
103 claims true identity fraud/account fraudulently opened the original creditor for this fraudulent accounts listed XXXX  Report Number : XXXX XXXX  File Number : XXXX Account name : XXXX XXXX {$3500.00} Account Number : XXXX Date open XX/XX/XXXX Account name : XXXX XXXX XXXX Account number XXXX date opened XX/XX/XXXX Account name : XXXX XXXX {$1500.00} Account number XXXX i called these companies and give them my personal information and the could not find me in the system. i do not understand how i can not address the fraud with them! please assist me on communicating with these 2 creditors to validate that this is identity theft ..also when i got off the phone with XXXX XXXX about a day went by when my caller id said " SCAM LIKELY '' i answered it and it was call from XXXX XXXX XXXX i thought this was another fraudulent account but it turns out that XXXX XXXX sold XXXX debit to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , GAXXXX. also i recently found out i was involved in the data breach with Equifax in XXXX this is my FTC report number XXXX these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Desputed info but nothing happened

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 2022-03-04
Company: Receivables Management Partners, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/XXXX I have been receiving these calls for about 2 yrs., concerning a medical debt that should have been of no charge due to covid testing for the first time should have been free of service. I have explained to send information to the address listed on their account concerning the debt. No information has been supplied since that however the calls remain to come in all times of the night and morning into the working hour of the day and all seven days of the week including the weekends. I have communicated the need to stop the calls and the people tells me they can not hear me on the phone but can clearly respond to say you can not be heard and continue to over talk me on the phone so I can not be heard. I have not received the request info and have also requested the calls to stop all of which has not been accommodated. A total of calls today and it is not the end of it a call at XXXX, XXXX, XXXX, XXXX and I know there is more. Phone calls are log in my phone from dates of XX/XX/XXXX to XX/XX/XXXX. Someone and anybody help please. I have made another call to report that I do not wish to receive these calls in attempt of stopping the harassment. By the way these people are rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 I contacted all three credit bureaus ( XXXX, XXXX and Equifax ) regarding unauthorized inquiries on my credit report and wrong addresses reporting also. They have not responded or removed the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
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: Personal information incorrect

Complaint:
Report shows XXXX hard inquiries where only two are valid. ( does not show on XXXX ) XXXX XXXX twice in a week due to their own error losing my account information. Should be ONE valid inquiry only. <P/>XXXX XXXX shows two inquiries on same day for same service. A duplication that should appear as only ONE valid inquiry. <P/>XXXX appears even though I never applied to XXXX for any services. Invalid inquiry either mistake or fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-12
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My siblings and I are beneficiaries to a unitrust with Wells Fargo as the trustee. After 10 years of receiving the annual distribution each XXXX, Wells Fargo changed the month that we are to receive our annual distributions. They changed it from XXXX to 11  months later in XXXX. The only reason they gave us was that they said they had been giving it to us erroneously and when asked for proof of why they came to that decision they wouldn't disclose why due to citing " ... internal policy and procedure on unitrusts '' and " ... our privacy policy. '' We want it restored back to the original distribution, the XXXX immediately after the XX/XX/XXXX reporting period.

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 2022-03-04
Company: Experian Information Solutions Inc.
State: TX
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:
It is easier for Experian to label all my complaints as duplicate instead of accepting liability. I requested Experian send a VALID copy of a permissible permission that could be justified to access my credit report on XX/XX/2017 for XXXX XXXX XXXX XXXX XXXX XXXX ). Experian dodges liability by refusing to send and labels complaints as duplicate. I feel like I am playing word games with XXXX  and have complained no less than 500 times. It is time for Experian to do business as the caretaker 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 explanation
Consumer complaint received 2017-11-09
Company: Choice Recovery, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After viewing my annual credit reports I noticed a collection account with Choice Recovery ( acct XXXX ) for {$540.00}. They are attempting to collect a debt owed to XXXX XXXX XXXX for {$430.00}. I disputed the validity of the debt with all three credit bureaus as I have not had any business dealings with this company. The response from the creditor came back as verified. My dispute included a request to see my signature as the responsible party but I was not provided with any documentation. 

I have no knowledge of this debt and have never used their services or agreed to pay for services rendered to another party. 

I am requesting this account be removed from all three of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation