BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-05
Company: TRUIST FINANCIAL CORPORATION
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Hi, I used XXXX, which Truist promotes, to transfer money from my Truist account to another bank account which I own. The amount was not very much. 

However, doing so caused Truist to claim that they suspected fraudulent activity. Therefore, they completely locked access to my online banking, something I rely on daily. Fortunately, when this happened, I was able to go into a branch, verify my identity, and they told me the issue would be resolved. It was not resolved. 

I do not currently live near a Truist branch. When I called their customer support to inquire why my online banking was still locked, after holding for an hour to talk to someone they said I need to go into a branch and verify my identity. I explained I had already done that, and it didnt resolve the issue. I have called the Truist branch itself about 100 times to follow up on why my online banking was still locked, and they have not once answered the phone or returned my call. XXXX. In fact, I called nearly every branch in XXXX XXXX, and they just don't answer the phone. 

There is nothing suspicious or fraudulent about sending a small amount of money, to MYSELF, using the tools on their platform which they promote. I already went into a branch with my passport to verify my identity on XXXX at the XXXX XXXX XXXX by XXXX XXXX. It is impossible to contact anyone at Truist by phone. Calling their support center takes an hour of holding, and then they refuse to do anything useful or helpful if you talk to them. The steps they have taken to " protect '' my account are doing the opposite, because I can no longer access or monitor it.

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 2024-01-08
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX complaint closed before XXXX by experian that can't access without giving my information to a person who can't speak 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 2021-08-03
Company: MCMC Auto LTD
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XXXX I submitted a complaint to this company about their deceptive business practices they give you an extended warranty with a company that you can not get through too the dealership I took my car too, stated they have never heard of such warranty company you could never get through to and things on the brochure they don't honor them after three days I finally got a representative on the phone which sounded incompetent and didn't know his job I decided to go ahead and pay for the repairs, I was out town stranded long enough I submitted information to them, McMc Auto was very heartless and unprofessional didn't care that I had to cover for may stay sent in proof of expenses which was never reviewed the dealership information is incorrect on their response back to CFPB a member of management never contacted me after several requests this company operation is deceptive and predatory.They need to be investigated their account managers are unskilled and lack knowledge.no respect or common sense used for their customers, no structure Predatory Lending.Also they tell you your loan will be transferred to another lender which is a lie they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
HI ; SEE ATTACHMENTS for the cases and prior lawsuits ... It's impossible that these accounts can be verified as accurate. Listen, Im writing to dispute the following negative items accounts that continues to appear on my credit report and profile. These negative items I am disputing are listed accordingly below and Ive either attached screenshots or my actual credit report with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
To Who it may concern, I am reaching out to try and get my problem resolved properly. My daughter passed away on XX/XX/2023, in a fatal traffic accident. When trying to close her account US Bank refused to do what was obviously right. On XX/XX/2023, I contacted US Bank to report the passing of my daughter and if they can freeze the account. I noticed that my daughter 's account was showing transactions occurring after her passing. I called again to advise of this activity. US Bank did not act to freeze the account. I let them know that it would take at least 4 weeks to get the Death Certificate. Once I received it I presented the certificate to US Bank. I asked them if they could reverse the fraudulent activity to the account and they proceeded to tell me I need Letters of Administration. I would have agreed had it not been for the XXXX Affidavit that I submitted. My daughter 's estate consisted of just her bank account she was only 26 years of age. In a large estate, it is very reasonable to require such documents under the probate code. In my circumstance, this is beyond unethical of a bank like US Bank to deny a beneficiary the ability to file fraud on the account. They state that only the account holder can file the fraud or someone who has Letters of Administration. I advised them that a XXXX small affidavit should be sufficient. The purpose of Letters of Administration is for large estates, not small estates like this case with just a bank account. The account might have had a few XXXX dollars but US bank wants me to file for Letters of Administration that cost {$490.00} to file so they could act on what is right. It is wrong that a large bank will do this and I am sure there is plenty of other individuals they have done this to. This has brought me so much anguish that such a large bank would be so reluctant to do what is right. They refused to freeze the account and this is why I am now dealing with this. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Todd, Bremer & Lawson, Inc.
State: UT
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:
Around XX/XX/XXXX I found out I had a collection for my XXXX XXXX  student loan reporting on my credit so I hired XXXX XXXX to help me speak to them and resolve the account. 
I was unaware of this balance since my father used to help me with this loan in the past, I've moved several times and I don't have access to my student account. 
Regardless, XXXX and I have been in communication with them since I found out about it and have been working on a reasonable settlement to close this out. Two collection agencies and 4 months later we finally reached a settlement and I have requested for this collection to be deleted once it is settled in full because I never received a bill, collection calls, or collection emails about this account. I did not have a fair chance at paying this prior to it going to collections or reporting on my credit which is against FCRA. I'm taking responsibility for the debt and would just like it deleted once they get their money back. 

XX/XX/XXXX I spoke with XXXX ( Supervisor at XXXX XXXX XXXX  internal Collection Dept ) and she states that they did in fact receive returned mail so they were well aware I did not receive the bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Capital Link Management, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Called from XXXX company called Capital Link Management in NY. Called my business line and left a very threatening message that they needed to talk to my attorney today, blah, blah. Very rude tone of voice and trying to " strong arm '' someone. I called back and it was for a debt for a person not at this number. Then they thought they were cute and started asking if I knew this person, etc. I don't want them calling my number again. This is a business and I don't have time to waste talking to bottom feeder bill collectors. I do not owe them any money.How is it even legal when my voice mail message clearly states this is a business?? Isn't leaving random messages for debtors on unknown phone numbers a violation of the FDCPA?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
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: Account information incorrect

Complaint:
XXXX  XXXX  XXXX : I have never taken a course or class from this institution that put a charge on my account. I have proof. Nor do they have proof I took any class from them. I have tried several times to have this removed from my account the only thing left is to sue due to the loss of home and income and harassment.. this charge was wrongfully put on my account. I want it removed from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: NY
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 numerous inquiries on my credit file that was unathorized and I would like them removed as soon as possible.

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 2021-08-03
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:
I had a late payment with XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX  during COVID. Each institution hasnt properly handled my dispute.

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 2021-08-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2021 I attempted to send my daughter XXXX {$17.00}. After being advised by my daughter that she did not receive the money. My daughter advised that I used the wrong email address to send the money. The email address was listed in my participant 's list. I called Chase in an attempt to recoup the money and filed a claim on XX/XX/2021. After not hearing anything from Chase and the funds still not being recovered, I called chase on XX/XX/2021 only to be advised by their online department that there was nothing they could do. I was instructed to contact XXXX directly. I called XXXX, however, their recording did not allow an option for my issue. I tried to chose another option in hopes of speaking with a live person but to no avail. 

My account used to send the money ends in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
To Whom This May Concern, according to Bank of america, XXXX has denied my forgiveness based on BOA XXXX provided however i am unable to speak with the XXXX myself. This is going to be an ongoing fight until full resolution, what they are doing and did is Criminal, and there is a class action law suit against the bank about my very complaint XXXX LOAN # XXXX please see attached docs, previously provided to BOA upon application, Please let the XXXX KNOW THIS!!!!! According to BOA I'm being denied as I imputed XXXX XXXX payments into my totals, which I did as that's what it asked for in the BOA APPLICATION!! Regardless, I disbursed the XXXX XXXX XXXX  funds per XXXX Guidelines, only paying XXXX employees, hiring new employees and paying from a separate account, all rules from XXXX which we followed 100 %. Please note that the attached documents are all I have regarding XXXX for 2019, I was on payroll the last week of 2019. That's why when I applied as a new business, I did XXXX XXXX payments as detailed in the application, BUT did not pay out XXXX payments with the XXXX Funds!!! I see that BOA is having this exact issue with many clients who are trying to abide by the XXXX rules, i was advised by a BOA rep that I'm not alone. This is poor service form BOA, i am researching and finding lawsuits with the bank over this and fully intend to pursue as well if this isn't 100 % forgiven based on XXXX  payout rules, i did everything i was asked for, and complied 100 %, everything that Bank Of America asked for prior to them approving my loan, i provided and what i didnt provide, i submitted a full Explanation. Bank of america fraudulently approved loans at a rapid rate, received payment for their loan approvals and didn't care the destruction it implied to small business, i can not sustain a {$2400.00} payment that i shouldn't be paying back, that was the purpose of this loan, to help small business in need, not cripple them i appreciate this entire message making it to the XXXX and Prefer Communication with The XXXX, i would like to hear and reply to the XXXX, not through the BOA hands thank you, Angered XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remodelers

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 2023-07-13
Company: Experian Information Solutions 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:
Experian XXXX and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says Experian XXXX and XXXX is XXXX furnisher of information to a consumer reporting agency. 
Experian XXXX and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Experian XXXX and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something 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 2021-08-03
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
" FIRST NOTICE FOR AFFIDAVIT OF DEBT DENIAL. '' Fact, I so invoke nunc pro tunc, specified remedy under 15 U.S. Code 1692 ( c ) ( 2 ) and declare that the natural person, consumer in fact, original creditor, and I furthermore appoint XXXX XXXX XXXX, of Convergent Outsourcing, Inc. to quash all alleged, indirect, unverified debt, and set off, charge off and charge back all verified debt by herein extension of credit, so be it.

The Fair Debt Collection Practice ( FDCPA ) states that the debt collector is mandated to cease all collection activity when verification is requested. Verification is defined as : confirmation of correct truth, or authenticity by affidavit or deposition.

15 U.S. Code 1692c ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

This company is in violation and performing an infringement upon a consumer 's right to privacy.

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 2023-07-02
Company: HoldCo LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My XXXX computer seized and message gave me an XXXX number to call. Person said my account was hacked and transferred me to " XXXX XXXX XXXX '' which was another scammer. He said I needed to withdraw {$25000.00} in cash to be deposited at another XXXX machine he would designate that would be more secure. The designated machine turned out to be Bitcoin Depot machine. I deposited {$15000.00} which was all the machine would accept. Scammer told me to send him a copy of the receipt. I never did. Reported this to the bank, filed a report with my local Sheriff, and contacted Bitcoin Depot. They directed me to send them the receipt, sheriff 's report, etc. so they could try to get part of the " processing fees '' covered because this was a scam. I sent the material but insisted they should refund the {$15000.00} since I was like any other legitimate depositor. They said they could not do that because the " QR code '' had been compromised. I explained that the receipt, QR code, etc had bot been provided to anyone and if the money had been transferred to anyone else it had to be a flaw in their system. They have refused to do any thing. Why would a " legitimate company '' refuse to even pursue this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-16
Company: Resurgent Capital Services L.P.
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: Old information reappears or never goes away

Complaint:
Collection and charge offs keep coming back with different collector names. Original debts have been on my file more than 7 years already and keep appearing as new debt. This is violating my FCRA. I immediately demand them removed from all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have sent letters to all three bureaus in which have highlighted each account I wanted to have investigated. I have not seen any progress nor a response in regards to my letters. I think this is ridiculous. I have also called in to get assistance where I was hung up on multiple times and was even told I could not update my personal information. There has to be a policy that forbids this? I have heard horror stories before with the bureaus but I am positive an investigation can ONLY take 30-45 days? What is taking so long with this?

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 2021-07-07
Company: Experian Information Solutions Inc.
State: FL
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:
I have disputed with Experian and XXXX  an account which needs to be removed from my Credit Report. XXXX agreed to completely delete the account from my credit report. They even provided me a letter stating this information which I have sent to both Experian and XXXX. When I spoke with XXXX they informed me that they let XXXX  and Experian know to delete the account but when submitting the disputes the account remains on my credit file. Please assist me with this.

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