BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-27
Company: Seterus, Inc.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted a complete modification packet to Seterus Mortgage in XXXX XXXX ; along with document regarding insurance claim regarding damage to the my home after hurricane XXXX. I told that Seterus could get those documents and I was given a wrong number by them to contact but I found the documents and submitted those at the first of the year. I was told that the documents would be reviewed and I would have a decision within 45 days. I called to get the status of the modification the first part of XXXX and was informed that no one had reviewed the documents and I would have to re submit the documents. Now I am being faced with a foreclosure date of XXXX XXXX, XXXX. I resubmitted the documents and am being told different things by different service representative. For example I did not have copies of stubs because my payroll is direct deposited ; I was told to mark on my bank statements all payroll deposits which I did. The next rep advise to to a letter stating that my payroll is direct deposited. I submitted income statements and that was rejected asking to explain real estate expenditures with specifically stating what exactly what they wanted : I had XXXX, XXXX and XXXX in expenses : I sending back exactly hoping that is what they are looking for ; but time is of the essence. My copy will be sending me the copies had I know the bank statements were not sufficient I would have worked on that. I was leaving out of town for job training and was away from documents. I was sent a letter dated XXXX/XXXX/XXXX requesting that I send in another packet and it had to received by XXXX/XXXX/XXXX and I received it XXXX/XXXX/XXXX after work! I am gainfully employed and would like to remain in my home ; I had hope to have this resolved by the first of the year. I feel as if I being told things that are erroneous ; and as stated earlier ; time is of the essence. It is my desire to work with Seterus but I would like a person assigned to work with me to assure that this time my documents are not neglected and expeidited since they admit that I should have been contacted regarding my original modification submission. I faxed XXXX pages and I have a confirm receipt that the documents were received. Additionally, I would like the foreclosure date set back to sanely accomplish getting them the documents requested ; I have to take off work every time at the last minute to accommodate them. I am working XXXX jobs to get my finances back in order ; in what has been a rough and rocky road ; that began with XXXX guys in a stolen car ; totalling my parked car. I had only dropped the full coverage 6 months earlier because it was paid for. I would appreciate help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I 'm being harassed by phone, and emails on a daily basis, I get between 4 to 7 calls a day. I have asked branch manager XXXX to stop calling multiple times, but calls keep coming. I try to answer all calls but they been using harassing and threating language. I sent a written request to stop calls but I was told that they have all the right to continue calling. they have called some of my relatives as well on multiple occasions. I have proof of all the calls, voicemails, and emails that I have received. my payment has never been late for more than thirty days. Manager XXXX XXXX claims that they 're not a collection agency, therefore I cant stop the calls, but the emails I receive claim that they 're a debt collector and they 're trying to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-01
Company: EQUIFAX, INC.
State: FL
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:
XXXX   XXXX   on  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  I HAD SENT IN DISPUTE STATING I DID NOT AUTHORIZED IT AS WELL WITH A POLICE REPORT AND WAS TOLD NOTHING COULD BE DONE ABOUT IT EVEN THOUGH IT WAS FRAUD AND IT WAS NOT AUTHORIZED THERE WAS ALSO AN ISSUE WITH  XXXX   XXXX  I WAS VICTIM OF THEIR INQUIRY ISSUE THEY HAD SOMETIME DURING  XXXX  WHICH SOME OF THE DATES ARE INCLUDED ON THE TOP. ALSO  XXXX   XXXX   XXXX   XXXX  &  XXXX  ON  XXXX   XXXX   XXXX  AS WELL AS  XXXX   XXXX   XXXX  MY POLICE REPORT NUMBER IS  XXXX  FOR  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Someone withdrew {$1600.00} from my checking account using XXXX. I dont use XXXX . Dont know how to use XXXX XXXX Or even what XXXX is. But the money was withdrawn from my account without my permission or knowledge. The bank states I knew about it and I was involved in the withdrawal. This is wrong. I have tried to appeal the decision but was told it can only be reopened with new information. I dont have any new information. I only know it wasnt me or authorized by me. And now Im out the money. I feel like my bank is stealing from me as well. Isnt my money insured. Im not sure what that means but I need my money back.

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 2022-10-12
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:
I checked my credit report and I noticed those inquiries below, which I dont recognize and I would like them to be deleted from my report. See attachment. 

Inquiry details XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX. XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: CMRE Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
CMRE ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX By telephone : XXXX or XXXX By fax : XXXX By email : XXXXXXXXXXXX By mail : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CMRE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CMRE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express sent me an advertisement telling me that when I opened a new credit card, I could get {$150.00} rewards if I spent {$1000.00} at first three months. When I opened a new card and spend {$1000.00}, I didn't receive any money, and then I contacted the relevant staff by phone.

1. The service staff told me that when I applied for a credit card, they rejected my application for a {$150.00} reward from a {$1000.00} purchase via Email, and then they asked me whether I continued to apply for this card without {$150.00}. so they opened a new credit card for me without my approved. In fact, they have never sent me notice via any way. The service staff also said that they will give me {$150.00} due to I've been using their credit card more than five years, because he submitted my issue to his supervisor. I just need to wait for the {$150.00}. In fact, he have not submitted my issue to his supervisor who did not understand my issue, so I can not get the {$150.00} in future. My waiting is actually a waste of my time.

2. I continued to contact them and got different answers. They said I had other benefits so I couldn't take advantage of the {$150.00} plan anymore. In fact, I haven't gotten any discount since I got this credit card. 
Anyway, I think 'American Express XXXX cheat consumers include me through false advertisements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The credit reports are wrong. I have complained to the FTC and XXXX were suppose to remove the loan from my credit because it is not mine The signature looked like a child signed it because it was printed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I went to my police station and got a police report just like Equifax told me to do and I sent them a copy and its been over 45 days and they still have not removed the item. The lady on the phone said when I sent her the info it would be gone in four days ; that was 45 days ago. As I have been researching on the internet a lot of people have had to file a complaint with this consumer financial protection bureau. Can you please look into this for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX University ( XXXX XXXX XXXX ) suddenly appeared on my credit report for a loan with derogatory information that is identical to accurate information from the Dept of Education. I have attempted to contact them but the Office is always closed or I only get voicemail. This is over XXXX XXXX XXXX this is the first time I have ever seen this appear. I have never received a bill or statement from the university for this debt, I have never been billed or made aware of it in any fashion. I have never taken out a loan directly with the university. This information is incorrect, invalid, and unfounded my credit score took over a XXXX point drop with this bad information while I am trying 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 2022-03-24
Company: MoneyLion Inc.
State: AZ
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 recently pulled my credit report and noticed that I have an open loan with Moneylion and that there are 2 previous loans with them from 2019. I have never done business with this company and have called them multiple times to report this as fraud. They were completely unhelpful and unable to verify any information since the information I was supplying was not consistent with whomever opened the account in my name, with the exception of the SSN and DOB. There are 2 closed loans and one open loan that are all fraudulent and need to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Rewards

Complaint:
I got an Citi Credit card offer ( Thank You Preferred Card ) in the email from Citi. It promised me that if I spend {$1500.00} in the first 3 months then they will post XXXX bonus points along with {$100.00} gift card. ( XXXX points on dining ). 

I applied for the card ... .got approved ( ending with x XXXX ) but when I spent the money the customer service starting giving me lame excuses. 

They did not give me bonus points and the {$100.00} gift card. They asked me to fax the offer to verify. When I faxed them they said they do n't want to offer me the bonus with gift card. 

This is fraud and false marketing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, 2016 I requested VOD from an item reporting to my credit report. The collection agency listed does not clearly state who the original creditor is. I requested the VOD and sent a copy of my identification, my social security card and proof of address. Yesterday I received a letter from the collection agency with supposed VOD. Not only am I the wrong consumer, they include personal information including name, social and address of their debtor in the letter they sent me. It clearly proves that I am NOT the debtor in their file. The documents they forwarded to me do NOT have my name, address or social security number. This collection agency has violated right of privacy by sending me VOD that which belongs to someone else. They have violated FDCPA laws by incorrectly reporting this debt to my credit report damaging my file. I clearly proved my name, address, and valid social security number ; however, they ignored this data and sent me a bill in someone else name. I am demanding this incorrect debt to be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX PLACED A LIEN ON MY PROPERTY FOR A MORTGAGE DEBT THAT WAS DISCHARGED IN BANKRUPTCY IN XX/XX/2011. THIS DEBIT/LIEN WAS WIPED OUT AND THEY CONTINUE TO HAVE THE LIEN ON MY PROPERTY WITH INTEREST ACCRUING AT 8.12500  %!!!! THIS PROPERTY HAS ZERO EQUITY-ZERO!!!!! I'M UNDERWATER ON THIS PROPERTY, AS THE 1ST MORTGAGE IS MORE THAN WHAT THE PROPERTY IS WORTH! 
THEY HAVE NO LEGAL RIGHT TO PLACE THE LIEN, ENFORCE THE LIEN, COLLECT ON THE LIEN, OR ANY OTHER LEGAL INSTRUMENT, AS THEY DO NOT LEGALLY OWN THE DEBT, NOR THEIR " CURRENT CREDITOR '' XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
*CHXXXX BANKRUPTCY DISCHARGE, ALONG WITH QUALIFIED WRITTEN REQUESTS AND REQUESTS FOR VERIFICATION OF DEBT HAVE BEEN IGNORED* THUS PROVING ZERO OWNERSHIP, OR EVEN THEIR ABILITY TO LEGALLY ATTEMPT TO SERVICE. THIS DEBT WAS CLEARED IN BANKRUPTCY, YET THEY CONTINUE TO TRY AND COLLECT! 
THEY NEED TO COMPLY WITH THE BK DISCHARGE, REMOVE THE LIEN AND HALT THEIR DEBT COLLECTION AND HARASSMENT PRACTICES. 
THEY ARE IN VIOLATION AND NON-COMPLIANCE OF RESPA AND TRUTH IN LENDING ACT REQUIREMENTS. PLEASE INSTRUCT THEM ON THEIR FRAUDULENT PRACTICES AND REMOVE THE LIEN!

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 2022-03-24
Company: Block, Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I filed a dispute with the company for a v fraudulent charge over a month ago. I haven't heade a single word from them since

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Balance transfer

Complaint:
Today, I applied over the phone for a balance transfer to the Citibank XXXX XXXX. While doing so, a few things happened : 1 ) when asking for my phone number, they asked if I authorized them to contact me via phone in various ways, but never told me that I can op-out of being contacted, which they should tell customers, 2 ) after my application was processed, I told them I wanted the credit report that they pulled sent to me. I was transferred to roughly XXXX departments within the Bank, not XXXX employee knew that the FCRA gives consumers the right to get a copy of their credit report whenever someone pulls it, nor did they have the ability to simply check that I wanted a copy sent to me. I even spoke with a supervisor, who was also not aware of this requirement. Actually none of them even knew of the FCRA. I spoke with Citi customer service, their credit card application department, and the status department, multiple times. The fact that Citibank has no protocols for informing and ensuring that individuals can receive a copy of their credit report after completing an application for a Citi product is, from my understanding, a clear violation of FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2015 I sent Convergent Outsourcing, Inc. a validation letter for a debt they claim I owe. On XXXX XXXX, 2015 I received a verification letter and not a validation letter. I am requesting they send proof of the debt. The document they sent me does not provide enough information that I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: Bliksum, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am now out of work due to a XXXX and can not make the payments. The lender is unwilling to work with me and I 'm worried about what will happen next.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: Utah System of Higher Education
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a Total of 20 Missed Payments but in the past, I asked to be put on deferment and in the past, I was searching for work in the career I studied for. At that point, I shouldn't have these missed payments as I had studied while also putting the loan on deferment to be on good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00}

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