BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-20
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Truist Bank XXXX XXXX, XXXX NC on XX/XX/XXXX I attempted to make a deposit of approx XXXX which consisted of 3 bank cashier checks and was advised by the teller that there would be a 7 day hold on the deposit. 3-5 days is what I expect to be reasonable and inquired why 7 days? I was advised by the bank teller XXXX that this was done on a case by case basis, so I inquired what the case was. She advised " I dont know ''. At the least the rep was not trained properly at the most discrimination was the cause. I requested they cancel and back out the deposit. I contacted XXXX as the bank mangaer and left a message to give me a call back that I would like to share my experience with him. He never returned my call and I am not surprised. XX/XX/XXXX I contacted 3 different individuals one from the main customer service line which hung up on me, I contacted the only customer service # again, went through the un-needed questions and got customer service rep 2 which was a joke and a waste of my time. I called back hoping to get another representive that gave a flip and she transferred me to GA, a supervisior? Which advised there was no general " Customer Complaint '' email option and I should submit my complaint via writing to XXXX. Needless to say these folks have lost my account one which will be quite hefty due to inhertiance and I would like an explaination as to why they were holding 3 bank cashier checks for 7 days and what that case was. 

I have since opened an account with a local bank and will be transferring all funds and closing my account with Truist immediately. There is no customer service and this is a bank so this is very concerning. I did not sign up for online banking only, where there is an issue an the service provider is a bank they must provide customer service. 

Thanks, I see they have a ton of complaints listed, they can add mine to the pile.

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 2022-01-02
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MEDICAL BUSINESS BUREAU has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my infants private information including medical record number and date of a major XXXX. This is a major XXXX violation because I have never done business with MEDICAL BUSINESS BUREAU yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me health and marital problem due to their illegal tactics. My request has gone ignored for a month now & I am enforcing the law. A final notice of default has been sent to the company via certified mail. Complaint is also being forwarded to HHS.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: PA
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:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
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: Information belongs to someone else

Complaint:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

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 2022-01-01
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Serve is a prepaid credit card provided by american express. I've been struggling to use this product for months but it just keeps getting declined for " Fraud Detection '' purposes. I've tried over 6 times to contact Serve and fix this problem but I was unable to connect to a representative. They either drop calls or hang up on you or just can't hear you when you finally connect. I finally gave up on their product only to find that there is no way to close the account except by withdrawing all your money. After creating a product who's only purposes seems to be to keep you from accessing your own money ( by sending false fraud alerts nearly every time I used it ) Serve needlessly creates complex barriers to closing the account and getting your money back. Even though I already have a linked bank account I have to re-link it again to withdraw money. A process that takes 3-5 business days and involves many intricate steps. I could try to spend the money but then I get a fraud alert. I could try calling them but then they hang up. For some reason there is no option to just close the account and send me a check with my money. Serve and American Express have created a predatory product and it must be stopped!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-06
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: Investigation took more than 30 days

Complaint:
All three credit bureaus are reporting inaccurate information and never had a result from a dispute it has been past two to seven years I have been disputing the same, and new stuff on my credit report, old stuff older than seven years still on my report dropping my score for no reason inquires from companies I have no clue about I have paid off accounts and none of the information is on my credit report reflecting good points I have paid on time on all the other accounts and my credit score is still low I didn't think you had to be in debt to get a good credit score I thought when you are in good standing with a company for paying on time and off debts what counts credit bureaus I feel hurt more then they help consumers I have tried over the last few years to make corrections and work on my credit but I am at a standstill as if the credit bureaus are hindering my chances to move forward to be able to get a better interest rate on loans for the ability to get a better home the abitlity to live a better life I feel it is unfair for companies to resale accounts that are more than 7 yrs old especially when a consumer apply for credit cards or loans there is insurance that cover the cards or loans just in case the consumer become ill or death occured but my argument is with the three credit bureaus low scoring, not disputing complaints long waits to talk to a human some unprofessional reps talking down to consumers the list goes on but it is consuming to be denied fairness for so long I shouldn't have to have a purse full of credit cards more than one car loan or too many personal loans to get a good credit score that is what put in debt they get overwhelmed to pay back and have health problems, divorce, XXXX  etc ... because of being overwhelmed.

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 2021-02-06
Company: Movement Mortgage LLC
State: DC
Product: Mortgage
Sub-product: FHA mortgage
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:
My loan has been under a XXXX forbearance since XX/XX/XXXX. The first forbearance period was from XX/XX/XXXX to XX/XX/XXXX. The second forbearance was from XX/XX/XXXX to XX/XX/XXXX. I called Movement Mortgage in late XXXX to get information to resume payments at the end of the forbearance. I requested a FHA partial claim which would put the past due balance as a junior lien on the property. Movement mortgage told me that they would have to process this and that I could not make payments until it was processed and paperwork was sent to my home. 

After a month, I called them to figure out what was going on. I still hadn't heard from them. I was told that the partial claim was approved and that I could start repayment in XX/XX/XXXX. I was told that a promissory note would be sent to my house for me to sign, and that I could not make any payments until XXXX. I did not receive paperwork from Movement Mortgage until late XXXX. I got the documents signed and notarized. 

Despite this, in XXXX, Movement Mortgage reported to the credit bureaus that I was 4 payments past due. I disputed this information with all three credit bureaus. Movement Mortgage then updated my credit report to say that I was 30 days past due. This is incorrect. My account was current and not past due at the start of the forbearance period in XX/XX/XXXX, and is not past due now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/22 I completed an online mortgage application with Bank of America and spoke to a mortgage lender named XXXX who discussed mortgage options with me. I then received several notices that there was a new inquiry on my credit report from XXXX as an individual consumer inquiry. I never applied or agreed to have my credit run for any consumer loan. I initiated my mortgage process on XX/XX/22 and are within the 30 days allowed to ship for mortgages without it negatively impacting your credit. I contacted Bank of America again and they said Id need to dispute weight the credit bureaus however from prior attempts I am aware that the company that ran your credit is required to request the inquiry be removed. Bank of American fraudulently pulled my credit report and is now not attempting to remedy their mistake. Id like them to be required to have it removed from all XXXX bureaus 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 explanation
Consumer complaint received 2021-03-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is XXXX accounts on my credit report that DO NOT BELONG TO ME. I have tried reaching out to the bureaus as well as the furnishers but have received no response back these accounts are not mine again. 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account

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 2022-01-01
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Happy XXXX XXXX. I own a rental property in XXXX XXXX that suffered considerable water damage and received a {$10000.00} check for repairs from my insurance company. It was assigned to me and my mortgage company, New Rez. It had to be endorsed byNew Rez. They received the check ( which was endorsed ) on XXXX. I phoned New Rez to find outwhat theprocedure was. They sent me a form letter stating funds over {$40000.00} are held in an escrow account, under {$40000.00}, the check was sent to the owner. New Rez referred me to XXXX XXXX XXXX at Shellpoint Mortgage Servicing. I called on XXXX, XXXX, XXXX, XXXX, and left messages, no reply. I finally talked to XXXX XXXX who assured me that I would get all the information I needed. Never heard from her again, ever. 
I emailed XXXX XXXX at that office XXXX, XXXX, XXXX. No response. I finally got a hold of another assessor by the name of XXXX XXXX, on XXXX, who told me that the cheque was deposited to their account in my name., but wasn't released because they did not have a copy of the field adjusters report. They never asked for one, either from me or the insurance company. I sent them the report that day, and it was acknowledged. Never Heard from anyone again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital One Quicksilver card. 

I discovered that there were charges from XXXX ( that I have never used ) for {$310.00} charged for 8 months. 

I also discovered that there were charges from XXXX XXXX  for XXXX from XXXX XXXX XX/XX/2023. 

I tried to find the accounts and contact the merchants but could not login or find an account. 

I. contacted capital one by phone on XX/XX/XXXX. The dispute dept initially seemed legitimate and in line with other cards, They immediately refunded the money - but then TOOOK IT BACK OUT OF MY ACCOUNT HTE VERY NEXT DAY!??? 

XXXX XX/XX/XXXX I called themt o ask why they had done this, They said that they had done an " extensive investigation : ( in 24 hours!?? ) and found that they were my accunts and htey had no more information and I could not appeal ti. They said they had no name, phone numenr or address or way for me to take this any furtehr. IN informed them I would contact the consumer finance agency and XXXX. They said " go right ahead '' The agent ( XXXX and XXXX no last names of course! ) paused for about 20 seconds after I spoke each time and kept reading a script ( as these companies do ). 

I am appalled, I have had a new card issued but I have never experienced a company that admit that they do not call to investigate ( they said they never contacted XXXX or XXXX but sent some sort of electronic tracer ) and they basically insinuated that I was lying, I asked them to show me my account or details and they did not have it. 
I was unable to contact XXXX or XXXX in any way. 

CAPITAL ONE should not be allowed to allow merchants take money in this predatory manner. 

I want my money and the interest from one year back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 filed a dispute multiple times and they failed to respond past the 30 days required. I am a victim of identity theft this account is a fraudulent account. 
A FTC is attached and was sent to the companies and still nothing. I demand this account XXXX XXXX XXXX XXXX BE REMOVED 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 2023-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have 4 accounts with Capital One. I opened a 360 Performance Savings account early this morning ( Sunday, XX/XX/XXXX ). I had linked my XXXX account in the past. I used that to transfer the {$5000.00}. I also transferred another {$3000.00} from my Capital One checking account. Upon completion there was {$3000.00} available in my savings account. Which made sense since the {$5000.00} was from an external account and would take a day or 2 to clear. I log in later this morning and all my Capital One accounts have a message stating Your funds are currently unavailable for withdrawal. Please call us at XXXX ( XXXX ) XXXX. I call the number and Im informed the office that would lift the restriction is closed until Tuesday. How is that acceptable? They have frozen my accounts and cant explain why. An account I share with my mom has also been frozen. 

Capital One 360 is digital which baffles me that they dont have a solution to this. I should have been informed moving a certain amount of money will freeze my account. Definitely not freezing all my accounts. There has got to be some law against this!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: CORELOGIC INC
State: WA
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:
My credit was pulled without my consent

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 2022-04-27
Company: BMW Financial Services NA, LLC
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: Information belongs to someone else

Complaint:
FRCA Violation credit card XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation loans XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FRCA XXXX XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX 
{$850.00} Balance updated XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$390.00} Balance updated XXXX XXXX, XXXX XXXXXXXX XXXX  Original creditor : XXXXXXXX XXXX  {$540.00} Balance updated XXXX XXXX, XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX {$420.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX  Original creditor : XXXX XXXX {$380.00} Balance updated XXXX XXXX, XXXX XXXX XXXX  Original creditor : XXXX XXXX. 
{$1000.00} Balance updated XXXX XXXX, XXXX XXXXXXXX XXXX Original creditor : XXXXXXXX XXXX XXXX$3100.00} Balance updated XXXX XXXX, XXXX XXXX XXXX Original creditor : XXXX BANK {$2400.00} Balance updated XXXX XXXX, XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX {$700.00} Balance updated XXXX XXXX, 2022 FRCA Violation names and address XXXXXXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX XXXX XXXX Account # XXXX is giving me a hard time reporting a 30 day late payment for XX/XX/2018. I have been a customer for over 7 years for XXXX XXXX XXXX where I have reached out to them and the 3 credit bureaus over 2 months ago and still haven't heard anything back regarding this late payment. See attached documentation below.

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 2022-01-01
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: Credit inquiries on your report that you don't recognize

Complaint:
Credit inquiries on my I don't recognize

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 2022-01-01
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021, someone moved {$2100.00} out of my XXXX XXXX. 
Coinbase said I need to report to police and you to do any investigations or recover my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Late payments were reported on my credit report for the following. 


XXXX XXXX XXXX  Currently late - 7 missed payments XXXX XXXX XXXX XXXX  XXXX 2 missed payments

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