BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-21
Company: Intelligent Mortgage and Consulting Services LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In extremely small print I was able to identify this company .While American service members stand ready to defend the nation, smalltime scammers and large corporations alike have them in their sights. 

Intelligent Mortgage & Consulting Services XXXX XXXX XXXX, XXXX XXXX, XXXX Liink : XXXX XXXX XXXX This company its using my name and personal information for marketing and solicitation without my consent. My name is being used into a multiple systems of marketing, Im receiving misleading # XXXX from this company also located at : Intelligent Mortgage & Consulting Services XXXX XXXX XXXX, XXXX XXXX, XXXX The amount of letters and unsolicited junk mail offering its very confusing VA- Loan offers will not stop. I just don't understand why this company is harassing me with unsolicited and never requested mail and loan offers. Misleading label ACTION REQUIERED XXXX I wo would like this company to stop once and for all. 

This company needs to respect the fact that my name is at the every credit bureau op-out list to included also the DMA. Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where? 

Please stop remove my name out their data base, and ask every marketing company associated with this company not to use my name. I'm a handicap, I'm a war veteran and also I'm a senior citizen being target by this misleading junk unsolicited mail. We military personnel get a steady paycheck and valuable benefits from Uncle Sam. And the eventual transition back to civilian life gives the scammers even more opportunities to target us the troops. 

I had never requested, and I will never do business with this company. STOP do not contact me, do not call me, do not mail me, do not email me please. 
Remove my name please from the headquarters and any marketing agency belonging to this company.. Do not contact me never no longer. ask your marketing companies not to contact me. DO NOT SALE OR DISTRIBUTE MY PERSONAL INFORMATION WITHOUT MY CONSENT-Respect the fact that my name its at the OP - Out list at the three credit bureaus and the XXXX I will contact the attorney general in LA if this harassment don't stop I had never requested your junk mail with my personal information STOP Please. Thank you

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute : US BKRPT CT MD XXXX XXXX Purpose : Supplementary explanation of evidence. 

To Manager, I have previously disputed this bankruptcy record with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

Please note my attached Birth Certificate. My legal name is noted there. Its the name I am required to use in all legal proceedings. This further shows that this record does not belong to me. I am frequently the target of identity theft and people burning my credit report with false info since my data has been breached by XXXX, XXXX, XXXX, and other companies. 


XXXX 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 2022-10-09
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Saturday XX/XX/2022 I contacted Citibank Customer Service regarding the facial recognition device which I have added to my accounts utilizing my cell phone. I got a representative on the phone who was completely unknowledgeable of her job as I asked questions regarding my account and the device which was working fine prior to my having to place the call for tech support to Citibank. I then asked to speak with a supervisor who came onto the line who was rude and tried to over talk me. I explained to him the facial recognition had been working fine earlier that morning. He suggested that I try some things which allegedly would fix the problem but nothing worked. He told me that I needed to go to the online account in order to view or to do anything else with the account. I asked him what was the purpose of having the facial recognition if it does not work. He then mentioned to me that my savings account was overdrawn. I asked him how could the savings account be overdrawn when the account was opened I specifically waived the fees due to being a senior citizen. I told him to close the savings account and he told me that it could not be closed until I paid the {$27.00} overdraft charge. Citibank effective XXXX XXXX eliminated overdraft fees as well. This is my third complaint against Citibank. 
Citibank started with me in XXXX, XXXX with a bogus letter to me regarding back up with holding that allegedly came from the IRS and the IRS had instructed them to do nothing as it related to my accounts. I feel like I am being scrutinized with everything that I do regarding Citibank and I under no circumstances will tolerate being subjected to this type of treatment.

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 monetary relief
Consumer complaint received 2023-11-07
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XXXX I went to the USA bank atm located at XXXX XXXX XXXX XXXX I attempted to deposit {$1200.00} to pay my rent which was due that very date the atm deliberately took all my money & spit out a receipt that didnt even have a balance I went into the establishment to get help considering I used the ATM right outside none of the tellers helped me they told me to call the number on the receipt although I asked to speak to a manager they refused to help me so I filed a dispute with the number unfortunately the money is needed to pay my bills I am a single mom struggling to make ends me I find it very inconsiderate that the bank can take my money & no one knows where it went or when Ill get it back I am currently accumulating late fees due to this ATM taking my rent money they will move forward with the eviction process if I dont get it paid Ive called the bank multiple times today to speak with a manger to credit my account I am unable to reach anyone this situation is affectingy livehood & is very inconsiderate I just want my money to pay my bills

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 2020-12-26
Company: Experian Information Solutions 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 never authorized them to use my information for any credit check its causing a problem on my credit and needs to be removed. I tried contacting them and was told the matter will be solved but instead I got harassed through multiple phone calls. I need this removed

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 2023-12-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have outlined below all the steps/problems I incurred when opening a new Citicard Visa account. I filed a dispute with Citibank 2 weeks ago and as of today I have had no response from them. Below are the issues/steps I have taken so far : 4 phone calls before I got cards for new account Website does not work, asked for help via Live Chat and did not get much. Once I was finally able to log I only see an big " error '' message on the screen when I try to access Payments/Transfers or Accounts I was signed up for electronic statements even though I would not ever want them and was not aware o This was never explained in the 4 calls to express concern for not getting cards/statements Because Citi issued a total of 3 cards to me before I finally received them ( via XX/XX/XXXX XXXX I now show 2 Citibank credit cards accounts on my credit. I only requested 1. 
Citibank reported me 30 days past due causing a 90 point drop in my credit score which dropped my credit score by 90 points. I have not had any late payments on any account and have always been diligent about paying my bills on time. This in my opinion was not deserved since Citibank has had issues with my account since day one. I want this removed and my good credit standing to be restored.

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 2023-12-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has 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 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 explanation
Consumer complaint received 2023-10-11
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Marcus High-Yield Savings Account was locked in early XX/XX/XXXX randomly. I called Marcus customer service ( XXXX ) on XX/XX/XXXX to find out what happened ( photo attached below ). It turns out my account was forcibly closed on their part and they would not explain the reason why it was closed to me. I had around {$700.00} in the Marcus high-yield savings account and have yet to receive any funds back to my XXXX checking account. 

I called again today on XX/XX/XXXX ( photo attached ) and I spoke with fraud specialist XXXX. I found out my account was still in the process of being closed. It is taking way too long now. Also, I have not received any emails regarding my account being closed or the process my account is going through. It is completely irresponsible for a company to mishandle my account and not be forward with me communication-wise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: IN
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/2022, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and sdsay it's mine. According to the FCRA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NETWORK XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

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 2023-12-15
Company: OneMain Finance Corporation
State: NC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
After recently reviewing my credit report I see 2 inquiries reading XXXX XXXX and OneMain Financial. I never gave OneMain Financial and The XXXX XXXX company permission to run my credit and would like to remove them off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
State: DC
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiry that is still reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I decided to give car back after being charged excessive fees after by company after being one day late. I tried multiple times to get it corrected to no avail. I asked for assistance during covid and they would not assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: VeriCore, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We received a letter from XXXX XXXX with the collection company Vericore on XX/XX/XXXX stating that we owed a debt to XXXX XXXX XXXX for invoices from XXXX and XX/XX/XXXX, and that they intended to file a personal lawsuit against the owner of our company if that debt, legal fees and collection costs were not paid in full. Our accounts payable clerk reached out to XXXX XXXX that same day via email to let him know that we had already paid some of the invoices in question. She sent him copies of the checks that had been mailed and cleared the bank. She asked him what the balance was and how we could pay it. 
XXXX began calling and emailing daily from that point forward. He told the accounts payable clerk that if we paid the full balance of {$3800.00} he would be able to negotiate with our vendor to waive the fees and legal costs. We wrote a check for that amount on XX/XX/XXXX and sent him a copy of it. He immediately responded that it was not the correct amount because it did not include the fees. We told him that we were not confident that the balance he was charging was what we actually owed and that we wanted to confirm with our vendor. At that point he began making threats about calling our bank, vendors and other lenders about the debt. He said he was going to file a lawsuit against our owner. He started calling the office several times a day, and my personal cell phone and leaving voice mails. His emails were sent to four different employees of the company and were increasingly rude and threatening. 
On XX/XX/XXXX I sent him an email asking him to stop harassing us while we got to the bottom of the situation with XXXX and paid the debt. He responded multiple times on the XXXX and has already emailed twice today. His first email was sent at XXXX XXXX. He was never given permission to call me on my personal cell phone or to email XXXX XXXX one of our superintendents. 
We overnighted a check paying the balance in full to XXXX billing company today, XX/XX/XXXX. After filing this complaint I intend to make a complaint with XXXX and send a formal cease and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a single mother who recently tried to buy house. I was denied for my house because of my credit. That inspired you check my credit report, and to my surprise there were several accounts that were Unauthorized by me.

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 2023-11-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I had a Wells Fargo secured credict card years ago and the account is paid off and its closed but the company saying the account was paid off after collection.

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 2021-01-05
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I spoke with BBVA compass rep. XX/XX/2020 about being in the hospital and regarding not being able to make payments at that time ... .and how the car note payment booklet they werent sending like they should have! I have been calling BBVA compass trying to get the charge off removed and account opened ... Sense XXXX No one has been able to help me ( they only quote its been charged off ) XXXX received no letters by mail stating any of the payment charge offs or letters requesting past due amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I transferred money into my account via XXXX and for some reason it did not happen same-day. then when I contacted the bank they advise me that it could take upto 3 business days to complete despite that it has not in the past it has happened same-day. but now I have bills coming into my account now overdrawn has refused to state Bank Americas policy or anything that say they will allow the overdraft and not return all the current checks. They stated it is up to Bank of America 's system to decided.

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 2023-12-15
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The law offices of XXXX, XXXX and XXXXXXXX XXXX have falsely impersonated as XXXX XXXX XXXX. They have sent a letter showing that they act as a third-party debt collector but yet for the same debt they turn around and say they are representing XXXX XXXX and try to sue me and garnish my wages. 

There has been a request for discovery to prove their relationship and to produce any agreements but they only answer with credit card statements which they have not been authorized to have and are in violation of the FDCPA. 

.

Company response to consumer: Closed with explanation