BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened my onine checking and savings account with Citi Bank on XX/XX/XXXX. 14 days later on XXXX ( XX/XX/XXXX ) my card stopped working. I called Citi and was transferred to the Fraud department. Turns out a {$50.00} XXXX charge caused my card to be frozen for suspected fraud. They asked me to verify my identity through my mobile number only to tell me that since my number isn't tied to my credit profile I couldn't verify myself that way. I ended up using my grandmothers phone # to verify myself because I co-signed a loan for her at the end of XXXX. Although that number is not registered to me, I was able to use it to " verify '' my identity. On XXXX, I was forced to drive over an hour away to get access to her phone to complete this process. After 5 calls into the Fraud Dept, I was able to finally get my debit card reactivated. This was strike 1. 4 days later on XX/XX/XXXX, I went to USPS to get a {$1200.00} money order to pay my rent. The transaction went through fine. Later in that same day, I was trying to get my son breakfast and my card declined again. Well this time Citi took it a step further by completely blocking my checking and savings account. I have XXXX access to these accounts. Leaving me with literally NO MONEY for basic human necessities such as food, gas, bills, etc. I have called over 15 times from XX/XX/XXXX - XX/XX/XXXX and I am being told that because they can't verify my identify via phone that I must wait to receive a letter via USPS that verifies my identify. The crazy part about all of this, is that I just used my grandmothers number to verify myself on XX/XX/XXXX but now that number is no longer eligible for identify verification. This has been the worst experience I've had with a bank in my 30 years of living. I've escalated to multiple POCs @ Citi Bank with no resolution. This has to be illegal or at the very least unethical. With Citi being my only bank where all my money is stored, they have literally tied my hands. Now, I'm waiting 7-10 business days to receive a letter via USPS with an authorization code that validates who I am. I have offered to DRIVE from TN to MO to visit a branch to show my passport, SS card, DL, etc. and was told that the ONLY course of action is to wait for the letter via USPS. This is insane and this " verification '' process is a true disservice to all customers.

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 2022-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America limits withdrawals and transfers from saving accounts saying only a certain number of transfers are allowed each statement period, and does not allow the customer to manage or use funds in their savings account when needed without risk of losing that savings account. 

It is not BofAs job to tell customers how and when they move, withdraw or transfer money and if Bof A is going to offer savings accounts to customers they need to stop putting limits on how much is deposited or withdrawn as it is none of their business how or when customers use their own money. 

Their policies in this matter are not offering solutions for customers only creating more expense and problems. 

Banks hold money, they have no right to tell people how and when to use their own 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 explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All 3 Credit Bureaus are reporting incorrect information for XXXX XXXX. This account has been paid in full and I was advised that this account would be removed once paid.

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 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TRANSUNION & XXXX also XXXX you are reporting incorrect information to my credit report for the following account XXXX XXXX PLEASE DELETE IMMEDIATELY my TransUnion reported a 0 month Term but XXXX Isnt reporting a monthly Term at all also XXXX is Reporting a 1 month Term why are these XXXX credit Bureaus reporting are different if you all get the same reporting from the same source for XXXX XXXX below will be proof attached PLEASE DELETE THIS INACCURATE ACCOUNT IMMEDIATELY FROM ALL THREE CREDIT BUREAUS Please verify and delete immediately Ive reported this issue before and nothing was fixed

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 2022-04-25
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-06-07
Company: Upgrade, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Today ( XX/XX/2022 ) I applied for an Upgrade XXXX Credit Card from XXXX site. I was taken to Upgrade.com to complete the information for the credit card. After reviewing the information, I was not sure if this was a loan or a line of credit. I called at XXXX XXXX  XXXX to try to get more information on the terms and conditions. After reading the terms and conditions, I clicked the button to approve the application, however, Upgrade requires further information such as Tax Information and Bank Statements. This information is not readily available to the consumer before making an informed decision. 

Furthermore, I discovered the entire adversement on the XXXX website is false advertising, misleading and time-consuming. This is not a XXXX Credit Card and they do not report to XXXX XXXX XXXX or any of the major XXXX XXXX companies. The representative agreed Upgrade Credit Card is not a business credit card nor reports to business reporting agencies. She will submit to Product Escalation to look into XXXX site. I was advised that this information provided on their site is incorrect, will get escalated, and my application will be rectified. There is no known processing time for this request per the representative. The representative disconnected the line without providing adequate information for what to do next. After a 52 minute and 4 sec call, they never called back!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Their investigation did not fix an error on your report

Complaint:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

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 2023-10-29
Company: Butler and Associates, PA
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Resurrection of a settled debt filed in the courthouse, XXXX XXXX 2015 by XXXX XXXX XXXX, XXXX Ks, seeking restitution more than 7 years later after their client collected said property, and issued and filed a memo stating the debt was settled in full. Stating in writing more than 7 years later that they made a mistake and now want to re-open the settled account and collect with interest. Double jeopardy, tried to explain in court to the judge, found the settlement papers were missing from the courthouse files and had to get an Attorney to get them to acknowledge that we had the papers in our possession. Still declined that the papers were valid, as XXXX and the XXXX said it was their right to renege on the agreement. Its too much like the XXXX case. It smells of fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have 2 saving accounts with Marcus by Goldman Sachs. I called Marcus on XX/XX/2022 to close the accounts and receive the funds via check. Total fund {$200000.00}. On XX/XX/2022 I called Marcus trying to find out why I still have not receive the check yet. The operator told me that the check was sent to XXXX instead of my home address in XXXX Arizona based on the the bank tracking number. I told them I need fund by XX/XX/2022 because I have a meeting with my banker in XXXX Bank on XX/XX/2022. After two conversation with a supervisor named XXXX, I was told by her that I can get my fund wire transferred after my Chase bank meeting on XX/XX/2022. A half hour later a person name XXXX called me again told me that they can not wire me the fund. I have sign a lost check form and mail back to them before I can receive the fund. XXXX told me that she will overnight mail me the form so I can return signed lost check form back to Marcus in a enclosed envelope. As of XXXX pm XX/XX/2022 I have not received the package for the form so I called Marcus again. The customer service manager told me that the form in the package was not sent overnight. On XX/XX/2022 I finally received lost check form. The information in the package sent to me was not complete and I have to call Marcus to obtain the information ( check #, check date and check amount ) need to complete the form. Finally I completed form in XXXX Bank branch with my personal banker by my side. I stopped by XXXX and sent the package back to Marcus. I called Marcus again after I dropped the form in XXXX and spoke to a Marcus supervisor XXXX and he told me on the phone that notes on my account stated that Marcus will wire the fund once they received the form. However when I called Marcus again on XX/XX/2022 as the XXXX tracking showed that Marcus has received my lost check form. The supervisor XXXX on the phone told me that Marcus will mail me another check. I asked her why I again receive another message that is different that XXXX told me on XX/XX/2022. XXXX told me to hold so she can ask for upper management. After over 30 min waiting and discuss, I finally received another information - I was told by XXXX that once the lost check form is processed ( 3-5 business days ), I will get a call from Marcus to let me know I can request close the account again as Marcus will reopen my old saving accounts. then I can get money wired or transferred to my XXXX account. 
How can I believe I am doing business with a real FDIC insured bank if every time I make a call to speak to customer rep or supervisor I get a different answer? Marcus should not be in banking business!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-29
Company: EQUIFAX, 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions 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:
The following company is not in accordance with 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. 

Company : XXXX XXXX XXXX XXXX - 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 2022-09-21
Company: EQUIFAX, 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:
The following company is not in accordance with 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. 

Company : XXXX XXXX XXXX XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE 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:
The following company is not in accordance with 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. 

Company : XXXX XXXX XXXX XXXX - 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 non-monetary relief
Consumer complaint received 2022-06-07
Company: United Shore Financial Services, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a loan with United Wholesale Mortgage on an investment property. The property taxes were due in XX/XX/XXXX, and our loan was sold and transferred to a new servicer in XX/XX/XXXX. At the beginning of XX/XX/XXXX, I received a delinquent property tax bill from the county stating the XXXX taxes were never paid. I have contacted UWM several times to try and work out the issue and determine if it was a mistake on their end or on the county 's end. Each time, I am told I can not speak to anyone directly, but that a work order was be placed and I will be emailed the necessary documentation within 3-5 business days the first 2 times I called, and then 10 business days the last time I called them today, XX/XX/XXXX. I have never received a response or email or any kind of documentation from them following the placement of the work order. The county continues to charge monthly interest on the delinquent property taxes, which has grown from originally over {$1900.00} due to over {$3500.00} due. 1 % penalty will be added the first of every month by the county, and there is a lien now placed on the property as well. I also mailed the delinquent property tax notice to their tax department several weeks ago and have not received a response. I need someone at UWM to rectify this situation immediately, by either paying the outstanding property taxes ASAP or providing me the necessary documentation showing the check number or wire confirmation for the property tax payment. The property is now for sale and this may delay our closing scheduled for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
***See attachments This is the second notice. I previously submitted a FTC report, identity theft affidavit, exhibits and more and got no response

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 2022-12-01
Company: Source Receivables Management LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a XXXX account back in XXXX but I closed the account and switched to XXXX on XX/XX/XXXX. I sent letters and called XXXX ( XXXX ) to let them know I was receiving emails from XX/XX/XXXX to XXXX of XXXX. When I went inside the store in person I was told they couldn't help me because I didn't have the pin even though in showed them my license and gave them my ssn. Now I'm receiving a collection notice XX/XX/XXXX. I reached out to the collection agency and sent letters to dispute but they're only looking at when I first opened the account and ignoring the fact that I closed my account. I tried desperately to get information on this because I know this is fraud and XXXX is trying to cover it up. They should be able to see the card information on file, address used and etc to see if matches my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Synergetic Communication Inc
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
By law, " the Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. '' This is very old debit, 20 years. This company, Synergetic Communication , Inc., forces to make the debtor makes a payment after defaulting on the debit. As per the company states, " ... for you to be sued on it in court ... '' They can sue for the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: GUARANTEED RATE INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is directed at Guaranteed Rate Inc ( GR ). GR originated my mortgage in XX/XX/XXXX. They sold my mortgage to XXXX XXXX XXXX ( XXXX ) effective XX/XX/XXXX. I was instructed by GR to submit my XX/XX/XXXX payment to GR and that it would be forwarded to XXXX. As of XX/XX/XXXX XXXX had not received my XXXX Payment. I called GR and was sent an email stating that the payment had indeed been forwarded. I fought XXXX  for another 3 weeks before following up with GR. On XX/XX/XXXX I was informed via email that the XXXX payment had not been sent but that it would be included in the next wire. The email informed me that the payment would be reflected in my account in 5-7 business days. After nearly 3 weeks the payment had not been credited to me. I left GR multiple voicemails requesting a call back ; they would not return my calls. Finally on XX/XX/XXXX I spoke with a supervisor who informed me for a second time that the payment was not forwarded despite prior assurances. Finally on XX/XX/XXXX ( 73 days since XXXX  took over my loan ) I am finally seeing progress in getting credited for my payment. The past two and a half months have been nightmarish and indescribably stressful. GR showed negligence in its initial handling of the transfer followed by complete indifference to my hardship. I have emails, documents and points of contact to support the above narrative.

Company response to consumer: Closed with explanation