BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax and XXXX should not be reporting that I am XXXX XXXX XXXX days late on the XXXX account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on accounts with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Good evening, I have been battling the collection practices of  'Hunter Warfield  ' and  XXXX   XXXX  ' for years now.   They claim I owe over  8k in  collections for a wrong doing eviction that occurred in XX/XX/XXXX  XXXX  XX/XX/XXXX    I was told by  XXXX  that I could resolve the remaining 6 months of my lease with their leading Office due to the fact that my roommates left me stranded and I could no longer afford rent. They WERE notified of all this in email and I was willingly authorized to vacate the premises before an eviction occurred.  XXXX  agreed to this because they had confirmation from the VA, that I was not receiving my military housing benefits on time which put me behind on rent. Only a month or so. In   XXXX  , I had orders from the  XXXX   XXXX  to report to   XXXX   XXXX   in Texas for a  XXXX  to  XXXX .   They WERE notified and I thought I was covered under law due to my military orders.    XXXX  quickly evicted me and added over  2k in f ees.    Hunter Warfield them then took over collection and harassed me for months with no re gards to my situation.   This debt has been removed twice from my credit reports (   XXXX    and   XXXX    )  but have emerged on my reports both times. I can not afford an attorney and have never been issued any legal documents or paperwork in regards to the debts or my options to settle said Debt.   I am pleading for assistance, as this collection account has coated me uncountable credit hardships. Thank you, Best Regards  XXXX   XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
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:
This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items and bankruptcy which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXXXXXX Balance : {$4200.00} US DEPT ED XXXX Balance XXXX {$17000.00} US DEPT ED XXXX Balance : {$9400.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2016

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 2020-06-22
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in defualt with Bank of NY Mellon serviced by XXXX, I had requested to assume my mother 's mortgage after her death in XXXX ( we lived together ). I was told I had to pay the entire mortgage upfront and could not. I presented the 'Garn St. Germain law ' and 'Successors in interest ' and then finally was told I could assume the mortgage and Modify the loan after many prior attempts. There was no way I could have paid all the money due, it was well over {$1.00} XXXX dollars ( from arrears, legal fees etc ) the home was significantly underwater - no pun intended. The market value of the home was at the time after Superstorm Sandy UNDER $ 400K due to massive wated damage in XXXX. I could not pay the modification for long in XXXX due to unforeseeable hardships. I asked for a debt forgiveness at Bank of NY Mellon - from the former CEO Mr. XXXX XXXX who only referred me back to XXXX. Now with Covid-19, I have had NO money coming in. XXXX aggresively began foreclosure proceedings with law firm in XXXX which required me to go to court appearances prior to Covid-19. With a scheduled date after Covid began, I had to appear at court XX/XX/XXXX. There was no notification NOT to appear, I went and the court, it was closed. I live in fear every day of losing my home where I reside with my XXXX. My husband is a deceased XXXX XXXX, I am a single mother and I have significant health related issues. I need help please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
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:
I found items has been reported to my credit history that 's not even belong to me and those items has damage my credit and my financial life

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Comerica
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, I utilize Direct Express, which is part of Comerica, for my direct deposit from my pension from the United States armed forces. I lost my card last XXXX and I attempted to reach out to this institution via telephone. I did not have my card number and the automated system does not recognize anything but numbers so I could not get to live person for help. I live in a XXXX home so my social worker attempted with phone calls and letters and there have been no response. I have over {$18000.00} in this account and I can't get my money to pay my bills. I am XXXX as well and can't use any of this money to pay for my funeral. We reached out to the Federal reserve and they instructed us to make a complaint with you folks as you the supervisory oversight of this entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: Experian Information Solutions 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:
I found items has been reported to my credit history that 's not even belong to me and those items has damage my credit and my financial life

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 2021-10-27
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
mr cooper agreed on a conversation in XXXX to push the amount owed to the end of the morgage and restore regular payment. 
it has been a month and it hasnt even updated to the system. 
called on XX/XX/21 and they are trying to deny the agreement. 
in the last 6 months mr cooper has done a lots of illegal moves, refusing government regulations on forbearance, reporting false info on credit bureau and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was told from a company that my credit was froze I did not freeze my credit so I started to look into this matter. I signed into XXXX XXXX and XXXX and I had no credit freeze so I decided to look into equifax. I tried to log into my equixfax account but could not remember the password so like any normal person I called and told the equifax agent I need to get access to my account & also to ask if I had a credit freeze on my account. The agent asked me security questions and then told me I did have a freeze and I asked for him to remove it and he said yes. I then asked to help with access to my account since I didn't know my password he tried to reset it but it didn't work. It said my account was locked but did not tell me why it was locked. I called back for two more days straight talking to agents who gave me the spin around and wasted my whole day. I finally talked to one agent who finally asked me during the security verification if I had a previous address on file I said yes. He then told me that agents previous locked my account because when they asked for my address I gave them my current address and not the old address that Was linked to my account! Why would your agents waste my time for hours when they simply could have told me I have the wrong address. So now your untrained agents locked my account because I proved my new address instead of my old one And now you are saying I can't access my account unless I mail you guys a company of my ssn card and ID. How do I know that Is safe? Why can't I get access if I just gave you all my information why do I need to mail it. Because of equifax I have been behind on so many things because company 's and myself can't access my account.I wish I never used equifax. It is the worse credit company EVER! You can literally XXXX " I can't aces my equifax account '' and see thousands of treads of people having the same problem with you're company .I have no problems accessing my accounts with XXXX  or XXXX XXXX. I want access to my equifax account only to unlock my credit and NEVER use it again. Please tell me how to access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Westlake Services, LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have financed a vehicle with Westlake Financial Services I recently noticed that my full payments made dated from XX/XX/XXXX-XX/XX/XXXX were allocated to interest only, balance due from these dates remained {$15000.00}, I called Westlake Financial Services XX/XX/2021 regarding this issue with no resolve, I called again XX/XX/2021 spoke to 2 different customer service agents and still no one was able to tell me why. Today XX/XX/2021 I spoke to a representative that could only keep telling me over and over that my interest is charged daily from payment to payment but he could not tell me why these payments were all allocated to interest only. I asked for his supervisor and was transferred to the same person that I had spoken with XX/XX/2021. 
My contract that I signed at the dealership states my payment is XXXX for 72 months, there is no mention of simple daily interest. The workers that I have come into contact with are rude and disrespectful, and laugh when I am trying to explain my issue the worst one so far was named XXXX XXXX ( represented him self as a supervisor ) refused to transfer me to a manager for further assistance

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 2022-03-30
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX sold a debt to Jefferson Capital Systems and claims I owe {XXXX}. This debt is not valid and I have disputed it numerous times with no success. I never had any phone account with any company or XXXX XXXX in XXXX. After XXXX I was only on friends accounts for my phone for my safety. Im in the address confidentiality program and any account would have had to have occurred before XXXX. If they are referring to an account back in XXXX that debt is now not collectible because it would be past 7 years ago. I am very adamant that this is illegal debt collection, and invalid and not my debt. I did not have an account with XXXX XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I completed a mobile deposit for my USBank personal checking from my XXXX XXXX XXXX bank account. The check was deposited on XX/XX/2021 after work hours. The funds were released and debited from my XXXX XXXX XXXX account on XX/XX/2021, and I have screenshots for the proof of release of the funds. I have been a loyal customer of USBank for over 20 years. The check was over {$25000.00}, and only {$220.00} was released to be available for me. The branch location is very unresponsive, and there is no agent help. The number published ( XXXX ) XXXX indicates to call the USBank 24 hour customer service due to Covid -19 the branch is not taking calls. And if you call that number again, it puts you on hold and then disconnects. This location is at XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. The USBank 24 hour services customer service number kept refereeing me to work it out with my branch since the branch put a hold on my check, Each time I spoke to an agent for the 24-hour service and asked why my check was held up when it was released from Ideal Credit Union as of XX/XX/2021, I kept getting confusing answers such as Regulation CC, some times the agent would tell me it's the mobile deposit policy for USBank. Yet Regulation CC states that I should have at least received {$5000.00} accessible right away. The reason for this big check was for debt consolidation to pay off the high-interest cards with USBank, especially the credit line that accrues interest daily. USBank held on to my funds that the XXXX XXXX XXXX released on XX/XX/2021. The branch near me that I usually go to, and I live close to this branch, tried to help me, but since my home branch imposed a hold, they could not help me at all. What is most frustrating is that " home branch '' I have not lived in that zip code for over 19 years!! Yet, I can not move my location to another branch since my account was originally opened up in that location. I feel like I am being held hostage at this useless branch that I never visit at all. I tried several times to call this useless branch at XXXX XXXX XXXX , XXXX XXXX, MN XXXX, and there is no live agent to assist. My funds are being held when my name is not on the XXXX list, nor has it ever been involved in any fraudulent activity. USBank needs to be held accountable for holding my funds under a false pretense of Regulation CC or whatever their internal mobile policy is.

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 2021-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have an account on my credit report, CAPITAL ONE XXXX ( opened on XX/XX/2017 ) reporting on both XXXX and XXXX that has not been removed yet. This account has been paid off and not been removed yet. I have tried to dispute this account numerous of times but I have not seen any changes. please remove this account, it is impacting my opportunity to get a home and move forward with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a business card and a personal card with American Express. The Business card has no pre-set spending limit and a " pay-over-time '' limit of over {$35000.00}. AMEX lowered my pay-over-time limit, effective immediately, to {$2500.00} without my knowledge and, because of that, has now assessed a minimum payment due of {$3200.00}.

My personal card had a credit limit of {$13000.00} which has now been reduced to {$2000.00} which increased my usage percentage from 9 % to 80 % which has adversely affected my credit.

I will also add that my husband, ( a male, of course ) has a personal card and that has, in no way, been affected, even though that usage percentage is even higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
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: Investigation took more than 30 days

Complaint:
Theyve been investigating since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CitiMortgage  applied an impound account to our mortgage due to unpaid property taxes (  XXXX  ). These taxes were included in our bankruptcy and should not have been paid to CitiMortgage. Our attorney opened a motion with the courts and CitiMortgage then removed the impound account. Looking back at our monthly payments with CitiMortgage during the time they applied the impound account it looks as if they miss applied the funds making it look as if we were a month behind. Moving forward CitiMortgage sold to  XXXX   XXXX  and then to  XXXX . Our final payment t o Citi w as on  XXXX / XXXX /  XXXX   but was applied to  XXXX  instead of  XXXX . We were still in bankruptcy so we were unaware of this, as this is not noted on any of our statements. At the end of our bankruptcy in  XXXX  we were contacted by  XXXX  saying we were 30 days late on our payment. We have disputed this with CitiMortgage,  XXXX   XXXX  and  XXXX . Nobody from any of these companies have given us a date as to when a payment was missed. It all started during the escrow impound account that CitiMortgage imposed on our account. We have bank statements showing all payments were made. There should be no late payment reporting in  XXXX    XXXX  . Please review proof of payment history and Bankruptcy documents.

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 2021-10-27
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I transferred {$100.00} from my bank account to someone using CashApp ( a service of Square, Inc. ) The person was unable to receive the money because they had misplaced their debit card and was unable to satisfactorily establish their identity to CashApp representatives. Given the fact that the person would be unable to access the money, I made an attempt to have the money returned to my bank account. On XX/XX/2021 I spoke with CashApp call agent XXXX. He told me if the money was not accessed within 14 days, it would be automatically returned to me. When this failed to occur, I next spoke with CashApp call agent XXXX on XX/XX/2021. He told me if I enhanced the security features on my account by obtaining a CashApp Visa card, I would be able to arrange for a return of my money. On XX/XX/2021, I spoke with CashApp agent XXXX. I told her that I had applied for and received a CashApp Visa card, and was calling to arrange for the return of the money I had transferred that couldn't be accessed by the recipient. She told me that such transfers were impossible to reverse in any and all cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
Please read complaint # XXXX Transunion 's response was that I may be a victim of fraud. What the XXXX are they talking about? ONE : I am NOT a victim of fraud. TWO : If I was a victim of fraud has ZERO relevance to my complaint. My complaint stated specifically that Transunion has been deliberately manipulating my credit score to cause me harm as retaliation to previous complaint I filed against their CEO, XXXX XXXX XXXX and emails I sent directly to him at XXXX. I sent those emails to make sure he could NOT make a PLAUSIBLE DENIABILITY claim once I file civil charges against him personally. This latest attack give me more evidence, so thank you for that. In the meantime, TransUnion didn't come close to properly responding to my complaint I filed on XX/XX/2022, Which is now nearly 2 months ago. 
My credit score dropped XXXX pts on XX/XX/2022. Please provide the changes to my credit report from XX/XX/XXXX through XX/XX/XXXX that could have dropped my score XXXX, as I had all positive changes. NOT possible! Answer the 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 2017-06-15
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Received a call from a  XXXX   XXXX  claiming to be a privat e investigator  for the pinn acle Group.   Claims that I have a breach of contract with  XXXX . The original principal that was charged off was {$610.00}. Now with post charge off and with an interest rate of 24.99 % the fees are at {$1100.00} making the total claim {$1700.00}. Also after legal fees the total amount due is {$2900.00}. I am being told that a lawsuit is being filed on  XXXX , my bank account will be garnished but I have the chance to settle for 50 %. If settled a release of liability will be sent to me so I can forward to all creditors.  <P/> Claim #  XXXX  number to  XXXX   XXXX  ext  XXXX

Company response to consumer: Closed with explanation