BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-23
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Extremely poor customer service at M & T Bank. 

Over 3 weeks with no access to accounts due to a " legal hold '' block and no contacts from the bank. Still waiting to access my funds... 

Log of events : -- -- -- -- -- -- -- Received mailing for a {$300.00} offer from M & T Bank to switch to Premium Checking as long as {$10000.00} deposited and held through XXXX and XXXX. 

XX/XX/2022 : Signed up for Checking with XXXX online on using offer code " XXXX ''. Was able to access online account. 

Instructed my employer to send direct deposits to my new M & T checking account. 

XX/XX/2022 : Received Docusign and submitted. 

Received M & T debit card in the mail. 

XX/XX/2022 : Direct deposit from employer {$3500.00} XX/XX/2022 : Deposited check # XXXX for {$7000.00} from my XXXX checking account via ATM on XXXX XXXX ( XXXX XXXXXXXX ). 

XX/XX/2022 : XXXX checking account ledger showed that the check cleared and was deposited to my M & T checking account XX/XX/2022 : No longer able to log into online account. Message indicating that the account is blocked and to call customer service. Tried to call but wait times were over 1 hour due to People bank conversion. 

XX/XX/2022 : Direct deposit from employer {$3500.00} XX/XX/2022 : Called customer service ( 1 hour wait queue ) who indicated that the account is blocked for legal hold but I would receive a call back within 7 days. 

XX/XX/2022 : No calls from M & T Bank still, so called customer service again ( 1 hour+ wait queue ) who just transferred the call to Fraud team ( call dropped so had to call back and wait in 1 hour+ wait queue ). Fraud team indicated that the legal hold was still there and should just be " a few more days ''. 

XX/XX/2022 : Went to XXXX to schedule a meeting call with branch. Meeting was confirmed for XX/XX/2022 XXXXXXXX XXXX XXXX with XXXX XXXX 

XX/XX/2022 : XXXX XXXX from the branch never called. Contacted customer service again ( 30 minute wait time ) and they just transferred to Fraud ( call dropped ). Called Fraud line ( 1.5 hour wait queue ), but no new information and finally was advised to just go to a branch. 

At this point, I still don't know why the account is blocked but plan to go a branch as soon as I can to close out my account and withdraw my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I recently received a copy of my XXXX XXXX or XXXX XXXX credit report, and I noticed some late payments posted on my credit report SANTANDER CONSUMER USA late payment DATE XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX Date opened XXXX XXXX, XXXX  Balance $ XXXX Late Dates XXXX, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX  Balance $ XXXX Late Dates XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had signed up for a Citi checking account that advertised a {$700.00} sign up bonus. After meeting all the requirements, Citi bank has still not paid out the bonus amount. Their customer service staff gives wrong/different answers every time I call, and in general Ive been getting a run around. Their executive office did confirm that I met the requirements ( as the attachment shows ), Ive sent in my w-9 form, but nothing has happened. For anyone looking to use this bank they should stay away. All they have done is cause emotional distress.

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 2019-08-21
Company: DMB Financial, LLC
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I have entered into a debt settlement with DMB Financial. My enrollment was XX/XX/XXXX I did not have any problems with them until I made a decision to close two accounts in XX/XX/XXXX. I made contact with XXXX XXXX and explained that if we did not close The XXXX XXXX account they were going to charge penalty interest of XXXX dollars. Additionally, I explained to her that I wanted to close my XXXX credit card account last four ( XXXX ). I asked her to tell me how much it cost to close these two accounts.She told me after talking to debt settlement consultant that I would have to pay XXXX cents. These express directives given by me to Ms. XXXX. XX/XX/XXXX I found out that neither account was closed. However, I was charged three debt settlement fees in excess of three thousand dollars. I hav documents supporting documents. I have called the new DMB agent XXXX XXXX on these areas.They have not returned my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: AUTOMOTIVE CREDIT CORPORATION
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I made my last payment after they received the payoff amount. And agreed to refund me {$600.00}. Then stated when I called that they mailed me the wrong check for {$1100.00} and to disregard that. So I shredded it and never received my new check for {$600.00}. It has been weeks now with no resolution.

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 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I filed a letter for investigation into inaccuracy that was being reported on my credit file. With Trans Union , LLC, I received notice of letter sent certified receipt return, reflecting date stamped received by Trans Union, LLC as XX/XX/2022. The letter was to investigate the accuracy of information being reported. Per the federal mandated; aw for the results are 30 days, for the investigation results. I am to be made aware of whom conducted the results and completed the results, whom was contacted in reference to the investigation completed results, and how was the investigation information obtained. The accounts listed below were requested to be investigated ; XXXX. XXXX XXXX XXXX, Acct # XXXX, XXXX. XXXX XXXX XXXX Acct # XXXX, XXXXXXXX XXXX  XXXX Acct XXXX XXXX. as of the date of this complaint. I have nor received by investigation results. Per 15 USC 1681, I am entitled to information being reported to be 100 % accurate. My federally constituted rights have been violated by Trans Union , LLC. 
XXXX Acct # XXXX is being reported inaccurate on my credit file. I request that this account be updated to reflect my true credit standing

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 2022-09-23
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have applied for Mortgage Assistance through my loan servicer, Loancare LLC. I had been keeping in contact by phone. The first time I called to check the status, I was told of the documents that I was required to submit. I submitted my documents, then I called a week or two later. I was told that the application was complete and being reviewed, and that I would be contacted soon. I did not get a phone call, letter, or email, so I called Loancare myself, another week or two later. I was told at first that the application had expired. I was confused and told the person I was speaking to, that I was told I would be contacted regarding my application and no one had. They looked into it further, then told me it was denied and that I had only until XX/XX/22 to appeal. I advised the person I was speaking to, that I had also applied for the Mortgage Relief Program and all they said was they would make a note of it. On the CFPB website it says I should have been told of all my options, including a forbearance, and that I have 30 days to appeal and the right to submit a new application if material changes have occurred in my financial situation, which they have. Please help.

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 2022-06-08
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX of XXXX I took a medical leave of absence from my job. Knowing this would involve several months as an outpatient, my physician and I were careful to select a reputable IN XXXX XXXX - XXXX XXXX XXXX XXXX. At the time, I was fortunate enough to have top-of-the line insurance through my employer. This gave me many options for treatment while staying completely IN XXXX 

For over 2 months I attended daily sessions at XXXX XXXX, billed to insurance. I completed the program and life moved on. 

Fast-forward to XX/XX/XXXX, when I pulled my credit to find 2 collections from CMRE Financial reporting to both my XXXX and XXXX reports. CMRE lists XXXX XXXX as the Original Creditor on this debt, which makes no sense. Not only did I select XXXX XXXX precisely because of its in-network status, but I was ON SITE DAILY, ambulatory, talking to staff, actively engaged in my own treatment planning. No bill was mentioned then, or since ( I have lived at the same address for XXXX years ). 

I was annoyed but thought it would be no big deal to clear this up. Thus began a several months-long odyssey of disputing, writing CMRE, calling my former insurer, etc., all to learn NOT A SINGLE THING about a debt that has apparently been affecting my credit for over 4 years. So far I have : >Disputed to XXXX and XXXX ( XX/XX/XXXX, see attached ) >XXXX verified both items.. XXXX verified one. ( XX/XX/XXXX & XX/XX/XXXX. No explanation. ) >Mailed letter directly to CMRE Financial requesting information ( XX/XX/XXXX, see attached. No response ) >Re-disputed the CMRE entries to both bureaus, attaching my aforementioned validation letter to CMRE. ( XX/XX/XXXX ) >XXXX  and XXXX promptly verified these items yet again. ( HOW IS EVERYONE BUT ME, THE ALLEGED DEBTOR, ABLE TO VERIFY THIS DEBT?!? ) >Finally, XXXX XXXX I called my former insurance company even though it has been XXXX years since I lost my policy with them after being laid off. Unsurprisingly, they don't keep old records around pertaining to previous members. 

TO THIS DAY I HAVE NOT HEARD ONE WORD FROM CMRE FINANCIAL. And the kicker? This company I had never heard of, much less entered into an agreement with IS CHARGING INTEREST ON DEBTS THEY HAVE NEVER COMMUNICATED I OWE!!! The original mystery bills of {$320.00} and {$470.00} have now ballooned to {$430.00} and {$630.00}, respectively. 

It pains me to think of the thousands of Californians they have extorted by parking unsubstantiated debts on credit reports.adding interest and just waiting for their victims to apply for a loan. Shame on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/1995 RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXXXXXX XXXX  : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXXXXXX XXXX XXXX Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-07-04
Company: South Mississippi Collection Services Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I found out about an alleged debt through my credit report, but there was never any written communication or phone call from XXXX XXXX XXXX ( original creditor ) notifying me that something was pending or from South Ms Collection. Even though the amount is small and wanting to clear my history, I paid that supposed {$14.00} debt almost 1 month ago. To date, XXXX XXXX XXXX has not deleted the amount from my history. I was the one who sought to contact both the original creditor and the collection. What I require is that the debt be erased from my history once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: ENCORE CAPITAL GROUP INC.
State: MI
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:
Negative collections disputed and result states they were removed from credit report but they are still showing on my credit report and have not been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my Federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Account Name XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A States I have a right to privacy 15 U.S.C. 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) section states no consumer reporting agency may make my 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.

Company response to consumer: Closed with explanation