BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-10
Company: Multi-Financial Services, Inc.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I recently became XXXX and got behind on my mortgage payments, XX/XX/XXXX I had a face to face meeting with the president of habitat in my home in which he sent me an email on XXXX XXXX to tell me what amount to pay for the mortgage since they had XXXX different amounts, then when I got some money in XXXX XXXX I sent in 8 payments in the amount of {$380.00} to catch up and become current on my payments .The XXXX XXXX XXXX XXXX XXXX after 10 years took the money, dispersed it the way they wanted to and claimed I still owed back mortgage payments and is now threatening foreclosure on my home, I was informed of this through an email on XX/XX/XXXX, but was n't aware of any letter from the event! I was n't notified until I got a hold of the attorney on XX/XX/XXXX and then received certified copies on XX/XX/XXXX because the attorney sent it to an old p o box that he knew I no longer had as of 8 years ago! They are going to leave my XXXX year old daughter and her XXXX mother homeless, we have no place to go! They did give me a chance to sell it, but I was told I would get the equity out of it and they would keep the remaining amount, including any profit from the sale, now I did n't think that a non-profit organization could make and keep a profit off of a foreclosure sale of a XXXX XXXX home after 10 years? Maybe I 'm wrong, but it 's not right! Please help?? They have n't even given me a loan modification or forebearance? XXXX XXXX XXXX is suppose to stand for helping family 's in need not putting them on the street?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2021-09-02
Company: Experian Information Solutions 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:
XXXX XXXX XXXX has reported my account 30 days past due which is false I send in a payment before XX/XX/XXXX and the company lost it in there system and today on XX/XX/XXXX the company reported my account 30 days past due and this company dont take debit cards and dont have a phone number to call to make a payment and I dont have a linked checking account and I sent them proof of my money order 3 times and I dont get a response back and some would told me they cant do anything to fix my error on my credit report both Experian and XXXX  this is hurting my credit and I dont want do any business with this company and I want them to fix the error and delete my account they give out small loans and they dont have a phone number and unable to accept both of my debit cards ..

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 2020-11-30
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: DISCOVER BANK
State: IL
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 have an inquiry from discoverer finical for a card I never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XXXX XXXX I received several calls from American Express Serve Fraud Division, after the 4th call at XXXX XXXX, I answered the 5th call and was asked if I was out of state as there were 2 attempts to charge at XXXX in XXXX, GA, one for over {$500.00} and the other for over {$120.00}. 
I was advised that the card was compromised and not to use it or try to log in to the on line account as it may not allow me access if the account was compromised and within 24-48 hours I would receive a new card, All this was verbally said to me then I was asked for the code on back of the card in order to verify that I had the card in my possession and I wasn't out of State. 

After 2 days of not receiving a new card I subsequently logged into my account and discovered all monies had been taken out of my account and the sub account had been depleted as well. 

On XX/XX/19 {$410.00} taken out from XXXX in XXXX, FL ; XX/XX/19 {$620.00} taken out at XXXX in XXXX FL ; and at another location on XX/XX/19 {$500.00} was taken out at XXXX in XXXX, FL as well as in XX/XX/19 the day of the call monies from my reserve account was taken out {$500.00} was one transaction then another in the amount of {$500.00} taken out and moved to the primary account. 

This had to be done by a representative that works at American Express Serve as the reserve account is hidden and you just can't get into that account and take the money. 

I am getting the run around and no accountability as to how this blatant act occured. 
As past practice has been that whenever I make purchases over {$100.00} ; I immediately get a text message inquiring if I am attempting this purchase, yet for these transactions I received nothing, no call no text message. 

This is a fraudulent act of larceny committed by an employee of American Express Serve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-19
Company: CAINE & WEINER COMPANY, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I actually have no knowledge of this account. When I log into XXXX XXXX this collection does not pop up on my report. A letter was not sent to me requesting that the debt they assume I owe be verified. They never notified me through mail stating I am responsible for a { {$100.00} } bill from XXXX. I was never sent a bill as a validation of this debt, but I need an original validation identifying of my signature stating I had an account with the company. If they can not provide original documentation bearing my signature, I want this collection item removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Santander Consumer USA Holdings 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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Designed Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The State of South Carolina takes hospital bills out of your state taxes why they send you to the collection agencies. And they know they takes it out of your states taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Collection Management Services, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2019-12-03
Company: EQUIFAX, INC.
State: CT
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:
On XX/XX/2019 XXXX XXXX  XXXX was on my credit report. I tried to contact them but was unsuccessful. I would like this account to be removed as I have no knowledge of this that is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Pursuant to Title 15 Chapter XXXX, Santander Consumer USA has committed individual actions against me beginning in 2018. They also involved a 3rd partly, XXXX XXXX, who also violated Title 15 Chapter XXXX. Both companies have committed Criminal and Civil actions of willful non compliance and negligence. Both have infringed on my name that is protected by copyright laws and my right to privacy. I have sent both organizations Notice of Fault letters along with invoices itemizing each violation under Title 15 Chapter XXXX. Both refuse to uphold the law that relates to their individual actions and both have yet to settle this matter. Moreover, Santander Consumer USA has only removed the account in question from 2 credit reporting agencies. They continue to defame my character and cause injury to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: CAB Receivables, Inc.
State: MN
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 did not apply for a loan with XXXX. There is an error on my credit report showing that I tried to obtain a loan from a car dealership and it was denied. I also had to remove 3 addresses on my credit report. I want this error to be deleted from my credit report. My credit score was lowered and I believe the incorrect information on my credit report caused my score to be lowered. 

I believe all three credit bureaus have information that is false and I would like the inquires about my applying for a car loan with XXXX to be removed from my file. 

I am concerned that the inquiry to XXXX was listed on my report in error. I never applied for any loans and I do not understand why this is listed on my credit report. 

It looks like this inquiry was added to my credit report in XX/XX/2019. 
I did not make any applications for a car loan with any company.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
looking at my credit report noticed it contained some errors relating to my addresses and file accuracy I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please delete/remove the following Addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX PLEASE OBTAIN VALID ADDRESS XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX XXXX, OH 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 2022-09-12
Company: FIRST MERCHANTS CORPORATION
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, FIRST MERCHANTS BANK # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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: Information belongs to someone else

Complaint:
This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX 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 XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1956 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: CONRAD CREDIT CORPORATION
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2012 I did get a call from a travel company ... With thier good sales skills they had me interested in signing up with a company XXXX ... We discussed many things about the company " XXXX XXXX XXXX XXXX '' but when it came down to business they was sending me a bill saying I owed money when we agreed on paying the first payment being 45 days after I signed up ... I gave them my credit card information and also called when I did n't see payments being removed ... I even reached out to them in phone calls and emails ( which I still had saved ) and no response ... Then a few months later they put me in collections ... I never even used anything in the travel club but they put it in collections and recently I saw the amount increased in my XXXX for another {$700.00} now it is up to XXXX dollars ... I want this company removed off of my credit ... Like how can you put something in collections and never send out one mail stating you owed a debt ... I never received a letter for Conrad credit Corp but they took over " XXXX '' depts.. The reason I know this is because I called once asking what is this on my credit and they mentioned this to me ... I would really appreciate if this company is removed off of my credit ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: Diversified Consultants, Inc.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
XXXX previously agreed to settle account in the amount of {$200.00} and at no time during the correspondence did XXXX state that it would be sent to collections or that I would have to pay collections. The settlement stemmed from overbilling, misquoting prices on plan, cramming of charges. I filed my complaint with XXXX DOJ and the agent was involved from the beginning to the settlement of {$200.00}. XXXX XXXX, Executive Services Analyst of XXXX failed to respond to my last XXXX requests how she now stated the collection agency when we had corresponded for the last few months. I believe that XXXX is attempting to harass me due to their inadequate collection tactics, improper error in pricing and the cramming of unauthorized charges to accounts. Due to the failure of XXXX to respond, I would like to pursue this matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My checking account was closed by Citibank without warning or notice XX/XX/2020. I called customer service reps on 7 different occasions to find out the reason why. I was told by reps that my account was closed by Citibank 's fraud department. No one seems to be able to give me any info on what i need to do to retrieve my money. Also Citibank refuses to connect me to their fraud department so i can discuss this matter. I have over {$1300.00} in that account that I need desparately. I have been told to go to a Citibank branch and get my money but there are no physical branches in Texas where live. I received an email from Citibank stating there was a message for me in the Citibank mobile app. I can't read the message cause i can no longer access my account info due to them closing my account! I am at my wits end because i am getting nowhere with this bank. They are trying to keep my money and that isnt right. I need your help desparately!

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 2022-04-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On two occasions Wells Fargo debited overdraft fees from my XXXX account for prior day transactions which did not cause an overdraft, specifically on XX/XX/XXXX my account was debited {$35.00} x 3 for a total of {$100.00} for 3 transactions of XX/XX/XXXX yet the account was never in a negative balance as a result of any or all of the transactions, closing in positive numbers. Likewise on XX/XX/XXXX, my account was debited {$35.00} x 2 a total of {$70.00} for 2 prior day transactions that did not cause overdraft.

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