BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were a victim of Hurricane Ian. My wife and I took the time to get our damages mitigated to the point where we had help from our church members and family to get all the damages contained and repaired. We received from the flood insurance policy an emergency check for XXXX to help with obtained materials. We now have received our final check from the flood insurance for over XXXX ( total damages over XXXX ). We sent to Truist the check since they were named on the check as a lienholder and they have received as of XX/XX/22. We uploaded all the documentation including the proof of loss and the adjusters work sheet and then requested an inspection, since we were 95 % done with the repairs. Inspection requested on XX/XX/22. Truist did not send to their third party vendor until XX/XX/22. Since our repairs are over 95 % complete, we asked for an expedited inspection since we were that far along. To date, no inspection has been set up so that the inspection can be done to verify the repairs are completed. We have used our credit cards to pay for all the materials, labor and other items related to these damages. and now we will have to pay interest charges on our credit cards due to the delay with Truist Bank 's continual delays in the inspection process. This is not the first time we had to call on CFPB since we had an incident with them several months back related to our Escrow account. I would not bank with Truist if we had another choice in our area, but they have all the banking in our area. Can CFPB get in touch with Truist and get an answer why the current delays?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently submitted a request for investigation of several student loans, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified all of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX  system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX  system that does not even contain my reasons for the dispute is not reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This complaint is a follow up on complaint number - ( XXXX ) the company closed the complaint the next day. Stating -This complaint lists someone the company does not recognize as their customer or their customers authorized representative. If they dont recognize me as a customer or representative of the account .. then why is the account on my consumer report? 
It has come to my attention that I was never provided with an opt-out option regarding this account. According to my rights under the law, I hereby demand the immediate removal of this account, not as a matter of policy but as a matter of legal obligation. 
It is important to note that there is no law that mandates the permanent inclusion of an account on a consumer report once the consumer has requested its removal or the removal of their private information. Failure to comply with this request will leave me with no alternative but to pursue legal action against XXXX XXXX XXXX. 
I wish to emphasize that my intention is not to cause financial harm to any party, but rather to seek a fair resolution in line with the law. XXXX XXXX XXXX, with an annual revenue of XXXX XXXX dollars, must be held accountable for its reporting accuracy. As previously mentioned, the absence of a legal requirement for an account to remain on a consumer report post a removal request places the onus on XXXX XXXX XXXX to address this matter promptly and professionally. I hope that we can resolve this situation amicably without resorting to legal action. 
I anticipate your prompt attention to this request and the subsequent removal of the inaccurate account from my consumer report. I kindly request that you acknowledge this communication at your earliest convenience.

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 2023-12-19
Company: Financial Business and Consumer Solutions.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Filed CFPB COMPLAINT ID XXXX ON XX/XX/2023 against FBCS debt collector on behalf of XXXX XXXX XXXX  XXXX XXXX for XXXX XXXX in bankruptcy. XXXX provided a response to that complaint indicating information provided does not match their system and requesting name address ssn their file no and copy of lette ; all ironically so since the basis of my complaint was that Ive never been provide anything in writing from them, just harassing phone calls and when requesting something in writing during these calls I am met with a dial tone by the representative. FBCS responded to my credit bureau dispute that the debt was sold to them, so they need to correspond with those folkes to get the matching information ; but, as for general self identifying information that theyve requested in their response to be able to address the issue at hand of attempting to illegally collect on a debt discharged and protected by bankruptcy laws has been provided to them in this complaint. As such, I requesting that CFPB complaint be re-opened and demand that FBCS provide a valid response to the claim and not a bogus one that seeks to disclaim it by asking for the very lack of information that has not been made available to me via the harassing calls and that are subject of THIS complaint against them. 
All the information they need to investigate such as my name address and phone number they call everyday all day has been provided here, and with exception of social and file number. No one gives socials over the phone or otherwise for identity protection, although the lady XXXX were provided here ; nor does any company demand it but rather use other unique identifying information ; as for the file no, well if they ever send me something in writing I would have that, but as stated previously when requested during harassing calls the representative hangs up phone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Ive tried several times to pull my Transunion credit report several different methods and it comes up blank. I contacted Transunion and was transferred everywhere and was finally told my Transunion report is being suppressed. I wasnt given a reason. Im trying to purchase a home and was told I can not because Transunion is blocking my report/ score from being seen on every credit reporting platform.

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 2023-05-13
Company: Stellantis Financial Services US Corp.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
First Investors Servicing Corporation is reporting an account with a mailing address that does not match the address reported on my consumer reports, utility bills, or bank statements. May First  Investors Servicing Corporation provide statements to the consumer reporting agencies and myself showing the corrected mailing address?

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 2022-12-27
Company: Amsher Collection Services, Inc.
State: NY
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 a fraud account on my credit ( Amsher collection ). I've contacted the company and informed them that this account doesn't belong to me. Its still continuing to report on my credit. Please remove this account as it is NOT MINE and I dont know who opened or used this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On Wednesday, XX/XX/XXXX, I contacted Apple Support after receiving a message that my account had been " restricted '' and I was unable to make purchases. After speaking with customer service, I updated my password, and I was asked to confirm a transaction I made. I confirmed the purchase - a SIM card from XXXX, so I can use my phone while traveling this month in the XXXX. They told me I would need to confirm a verification code sent to my device. I did not receive the code, and I told them this was probably because I had changed SIMs and can not receive calls or texts to my primary number since I am abroad. I was connected to another supervisor who said they would help me get the restriction lifted. I explained the situation, but yet again, the rep asked for me to provide a verification code that I can not receive. I was then connected to yet another " Specialist, '' who transferred me to another " Specialist. '' I explained the situation yet again, and was told that another " Specialist '' would reach out but that they did not have a timeframe on when I would be contacted. At this point, the " restricted account '' was changed to a " locked account. '' On XX/XX/XXXX, I contacted Apple customer service again and was connected to a " Specialist '' who reiterated that they could not provide a timeframe for the account 's review and apologized for the inconvenience. I lodged a complaint which the " Specialist '' filed on my behalf. On XX/XX/XXXX, I reached out to Apple customer service again because I received my paycheck and realized that I was unable to make card payments using the app due to my account being " locked. '' I was told that my account will continue to accrue interest despite it being locked. The specialist said I can still make payments via the phone, but I explained for the millionth time that I am out of the country and I am unable to make calls from my primary number. The specialist apologized and told me they would try to find a way to get " everything worked out for me. '' Then, without a further reply, I was transferred to ANOTHER specialist. I explained the saga again. I was told yet again that they could not provide a date or timeframe for my account 's review. I told them that I would be filing a complaint with CFPB and warning anyone against opening an Apple Card account. They made note of the complaint and my XXXX number. I have heard nothing since this final communication, and my account and card remain locked. I can not use my card or make payments on my current balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
They have violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( I ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that the consumer does not initiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Resurgent Capital Services L.P.
State: WA
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 dispute this alleged debt pursuant to 15 USC 1692g. I request that you provide to me verfication of this alleged debt. Verification consists of a formal declaration where you swear to the truths of the statements of the facts of the matter, having first-hand knowledge, and must be notarized. 

Since this debt is disputed pursuant to the Fair Debt Credit Collections Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, and XXXX. 

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Upon reviewing a copy of my consumer report, it has become evident that your company, as a consumer reporting agency, and the alleged " creditor '' have unlawfully provided my information without my written consent, as required by 15 USC 1681B of the FCRA. It is crucial to emphasize that I do not consent to the unauthorized furnishing of any of my information by any means, pursuant to my rights under the FCRA. 

Accounts listed below : XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXXT # XXXX Furthermore, as per the provisions of 15 USC 1692a ( 2 ) of the FDCPA, it is clear that the transmission of information regarding a debt, directly or indirectly, through any medium constitutes a " Communication. '' The term " any medium '' encompasses various forms of communication, including oral, written, electronic, and more. Thus, the furnishing of my consumer report, which contains information regarding the alleged debt, would fall under the definition of " Communication '' under the FDCPA.

In accordance with my rights under 15 USC 1692c ( c ) of the FDCPA, I am hereby providing you with formal notice to immediately cease any further communication concerning this account. This includes, but is not limited to, telephone calls, emails, social media interactions, or any contact made through a Consumer Reporting Agency.

Please be advised that any further contact or communication from your agent or company, except for a communication acknowledging receipt of this letter, will be considered a violation of the FDCPA. Please take this notice seriously, as I intend to enforce my rights under the law.

By disregarding this cease-and-desist notice, you leave me with no choice but to initiate legal action against your company. Any ensuing legal action will seek the appropriate remedies and potential damages available under the FCRA and the FDCPA.

I kindly request your prompt attention to this matter, and I trust that you will comply with this cease-and-desist notice without the need for further legal intervention. Please acknowledge receipt of this letter in writing to confirm your understanding and commitment to comply with the provided instructions.

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 2023-08-15
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
This complaint concerns my personal account on Coinbase ( coinbase.com ), a centralized crypto exchange platform. On XX/XX/2023, XXXX XXXX XXXX, I received an email stating " Suspicious activity detected on your Coinbase account '' and my account has been " temporarily disabled ''. I have not violated any terms of services, I am the sole owner and manager of this account, and I have not observed any fraudulent activity on the account. ***I am unable to make any transactions, including withdrawing funds, on my account, with no explanation, timely updates, or a timeline as to when I will be able to move my money. I have talked to online support ( live chat ) multiple times and have been told that I must wait, with no updates. *** This is unacceptable and unprofessional behavior. I am requesting that this complaint expedite their review and/or immediately enable me to withdraw my funds and have my account restored. My most recent case reference number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not open this account. The address that was used was XXXX XXXX XXXX which was my baby mother 's adress at the time. She or family member mostlikely opened account. I'm very upset I've never I'm my life had a credit card would like this removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am owner XXXX XXXX XXXX, XXXX XXXX our client XXXX XXXX, after the service was completed in the amount of {$740.00}, asked to make 2 payments of {$370.00}. Later, a month later, the client opens a dispute for the first amount of XXXX and claims as a duplicate transaction, which is an absolute lie. Our company, having received a message about opening a dispute, and seeing that two transactions have passed in a short time, by mistake sends money XXXX XXXX The next day, the client opens a dispute as already dissatisfied with the service, which is also a lie, since the work was completed in full and the bland radar system began to work. There is evidence of the amount that the client must pay in correspondence and invoice, please see attached. We use money service SQUARE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I already tried to fix this with the company I dont know who lvnv company is I have no contract with them please show me the wet signature that I signed up with them. If they cant provide that it means I never had a contract. XXXX This is the claim number I already sent in and yall let them state I owe this debt that is not mines this is identity theft because I never signed a contract with them at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I made a payment on XX/XX/2023 using my bill pay account for the amount of XXXX to my American Express credit card. Upon receipt of the payment Amex cs told me that the available credit should update withing 24-36 hours. When that time passed I contacted Amex cs again and they told me 72 hours this time. So I waited for the 72 hour period and contacted them again regarding my available credit. I was told this time that the available credit was put on hold indefinitely. So I got mad and cancelled the account and requested that the minimum payment be held and the rest of the XXXX payment be returned to me. That is when the mess started. While making my payment using the bill pay, the system gave me an error. So I sent the payment twice without realizing as each time I processed the payment it gave me an error. I decided to leave the system alone and wait for a day or two to check on the status. So the next day I saw that instead of one payment three payments went out. So I moved my money from the account so only one payment could pay. The other two bounced. So one was duplicate on XX/XX/2023 and the other one was sent on XX/XX/2023. I have asked the customer service weather I could request my payment back as American Express only requires that a minimum payment be satisfied, I was informed that yes. So Ever since XX/XX/2023 I have been requesting my payment back and I would get a denial as the the team ( backend ) as they call it would state that I did not have credit balance on the account. I have been struggling for months to explain to these foreign agents from XXXX and XXXX that I had only requested that my payment be returned to me but they kept sending me messages and letters that my two payment were returned therefore there was no credit balance on the account.

Company response to consumer: Closed with monetary relief