BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On the evening of XXXX I received 4 missed calls from my bank, Truist Bank. The following morning I returned the call by redialing the missed call. Some answered Truist Bank how can I help you? I proceeded to tell the bank I had 4 missed calls from them the previous night and was returning the call. They asked me if I had approved a {$150.00} XXXX payment I said no, I had not. They then asked to verify it was actually me, asking for my name, dob, address, phone number, ss # which I provided. The next day I rec 'd an email from the bank stating my balance was low. I checked my account and saw I had 2 withdrawals to XXXX, one for XXXX and one for XXXX which left my checking account with a XXXX balance. I immediately called the bank and was told I needed to go into a local branch immediately to file a fraud complaint and open new accounts, both which I did. The gentlemen helping me put a freeze on my checking acct where nothing else could be dispersed but deposits were able to still go in ( I needed my paycheck to be deposited which is set up automatically ). I was told I needed to come back the following day once the transactions ( XXXX XXXX " officially posted '' ) to sign the fraud claim report. Which I did on Friday, XXXX XXXX went in and signed the complaint. I received an email at XXXXXXXX XXXX the following day from Truist saying my claim was denied and I could request the documentation that was used to make this decision. I could not call the bank until Tuesday ( because they closed at noon on Saturday and Monday was a holiday - XXXX XXXX XXXX XXXX observed ) so I called XXXX, XXXX XXXX first thing in the morning and was told by Truist that it shows I approved the XXXX transfer, I explained in detail that I had not. She said sorry I can't help you I asked to speak to a manager or supervisor. The supervisor got on the phone and I again explained everything in detail and she said sorry. I said there has to be some way to dispute your denial. She said no, an analyst reviews it and that is the final decision. I said then I want to file another compliant she said we can not do that. I then said send me the proof where I authorized it and what I was sent was the fraud complaint form which I filled out. I have contacted the Police and filed a report. My banks phone number was apparently spoofed and that is how the thief was about to pretend they were an employee of Truist. I have XXXX control over this. They will not help me in any way what so ever. They simply keep saying I approved it, which I did not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-30
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax continues to deliver incorrect data regarding the child support account balance is XXXX and payment history is nothing of what they say it is it is too close to cases and the children live with me. This kind of miss corrected information shouldve been taken off my credit report a long time ago along with payment history as there is no current account and the prior payments do not include what is called XXXX XXXX from the court. It is extremely detrimental and although I reached out many times to correct the problem it seems to continue. I have never missed A car payment on the Jeep through XXXX Get one page shows current and the other 30 days late Equifax needs to get their story straight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
On XX/XX/2022 I sent XXXX XXXX XXXX a letter they requested in order to remove a hard inquiry they made on my credit. I initially disputed the hard inquiry in XX/XX/2022 when they sent me a letter stating they ran my credit. Application # XXXX. On XX/XX/2022 after not receiving any acknowledgement of my request I sent a certified letter disputing the hard inquiry, On XX/XX/2022 I finally received a response stating they would not remove the inquiry. On XX/XX/2022 I received another letter after filing a complaint with CFPB requesting documentation from the dealership stating the credit application was processed in error. Case # XXXX. I have submitted the letter from the dealership and they still have not removed the hard inquiry. Letter was submitted directly to XXXX XXXX XXXX the XXXX XXXX Management Office In regards to Capital One Auto FInance, Ref # XXXX, I have not received any acknowledgement they received the letter from the dealership nor have they removed the hard inquiry. 

The dealership letter was sent to both companies with their respective case numbers and neither have removed the hard inquiries. 

Also, I did request documentation showing my signature on supposed credit application and neither produced anything with my signature which violates my rights under the credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had opened a High Yield savings account through the Apple Wallet with Goldman Sachs Bank USA. I went to buy a new car and put in a transfer in the app for {$10000.00} on XX/XX/2023 at XXXXXXXX XXXX. The transaction was to take 3-5 business days. Today is XX/XX/2023, I have made three phone calls to Goldman Sachs Bank, I was told they needed to verify that I was making this transfer. However, they never contacted me in any form. No phone calls, no text messages, no emails, nothing at all! I called on XX/XX/2023, to find all this out about the verifying of the transfer. After I did the verification process with the lady on the phone. They sent me a text message with a code that they needed to enter to push the transfer through. I was told it would only take 1-3 business days after she did this. It still hasn't happened! I'm on the phone once again trying to get this taken care of. This is very poor and didn't follow their own policies!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2021, I purchased {$1500.00} worth of usd coin on Coinbase. The transaction has been stuck on pending ever since, though I have yet to recieve any help despite my bank account being charged for the sum. Ive created multiple tickets without any replies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: A & O Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX Balance {$0.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Dates : XX/XX/XXXX unsure of time as this log was deleted XX/XX/XXXX at XXXX XXXX   XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX.

These are records of calls made to my personal cell phone. Each time a partial automated voicemail is left, repeating the callback number. I've answered this number on the first two calls made to me on the XX/XX/XXXX and XX/XX/XXXX, but there was no answer on the other end. I called back but again it was an automated system asking for my social security. I blocked the number but continued to receive partial messages on my voicemail.

I do not know what company, if any, is attempting to reach me, and I am unable to contact anyone to make these calls stop. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Send feedback via EMAIL since I am traveling and a hard copy to my billing address. 
Capital One does Not have a reasonable feedback process to send complaints to Capital One except calling NO written feedback option as when I content charge and fees it says call and will not allow submittal of dispute. 

Capital One refuses my requests to provide me all credit card charges made internationally with foreign denomination, exchange rate used and fees. 

Each charge is hidden fees and difficult to TRAIN Capital One since they do not have all data available to verify each purchase accuracy. 

Since I'm traveling for 2 months I want all charges since XX/XX/2018, to show foreign denomination, exchange and and fees. 

capital One web PREVENST me from submitting direct feed and always pops ups message to call which I can not do internationally! Any call from a mobile is charged to teh customer and capital One has IGNORED this feedback problem in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX was taken out of my minor childs bank account on XX/XX/17. I was never served any court documents, given any notice of the debt, given any documentation on the original creditor or any information on any contract. The bank also charged an additional {$60.00} to my childs account as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I worked with a couple of loan officers at Guaranteed Rate in late XX/XX/XXXX/early XXXX, to secure a mortgage on a single family home that also allocated funds for its renovation. I closed on XX/XX/XXXX. The purchase price of the home was {$410000.00}, but the mortgage was valued at {$500000.00}, based on the estimated appraised property value once the work was to be completed. The General Contractor I chose for this project, was solely based on a referral from the loan officers because they said he was familiar with the process, so I felt using him would minimize my risk and keep me from sharing an all-too-common homeowner experience of working with a bad contractor and losing money. I was told by the GC the process would take about 4 months to complete - so Early Summer XXXX. 

This GC took advantage of the process and myself, but the biggest issue is that he was not made by XXXX to submit architectural drawings for the underwriting process. What I have learned since XXXX ( from individuals both inside and outside of the company ) is that those drawings were supposed to have been submitted as due diligence in the process. 

Because these drawings were not done, the GC wasnt ready or able to complete my project. After over a year of inaction and an attempt to extort me for money that wasnt due, I eventually fired him in XX/XX/XXXX. I have placed countless calls to my loan officers, Guaranteed Rate customer service specialists, the originator of the bank, and have gotten nowhere. After keeping me stagnant, requesting that I negotiate with the contractor who was obviously giving false invoices, and not trying to negotiate, Guaranteed Rate has finally given approval for me to replace him. However, this is after I have now been paying over 2 years of PMI fees ( because this was supposed to have been refinanced shortly after the work was completed in Summer XXXX ) and also have missed out on being able to do so but now I have an even bigger issue. 

I have recently been interviewing architects, many of which expressed the lack of convention of the project and how there could be zoning issue that impacts the feasibility of the project. The projected estimate for the project is much higher than what I have remaining in my loan, and I dont know if Ill be able to finish. I dont believe its my responsibility to carry the burden of getting an additional loan to finish it, after already experiencing significant financial loss due to Guaranteed Rates improper management. 

Had Guaranteed Rate demanded drawings from my GC before approving the loan, this project either would have potentially been 1 ) rejected from the outset due to lack of feasibility 2 ) accurately funded based on what was actually required to complete it or 3 ) would have been completed by now and would be a non-issue. 

The lack of support Ive received over the past 2 years when they have acknowledged wrongdoing along the way has led me to file this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
This is my XXXX request and no one at any of the credit bureaus and handling my dispute requests. I am requesting that these below accounts be deleted from my credit report, especially if they are unverified and non-compliant. Thank You, XXXX XXXX  - XXXX Account- Delete immediately XXXX XXXX XXXX XXXX XXXX Account- Delete immediately XXXX XXXX XXXX XXXX XXXX Unverified Account- Delete immediately I am really looking for some guidance here ... The Credit bureaus are failing to respond and the CFPB is not assisting me at all here. I am trying to take care of my credit. 

Sincerely, 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 2021-03-26
Company: EQUIFAX, INC.
State: GA
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:
In my last complaint I was unable to put that the credit bureaus all 3 are disputing items that have taken longer than 30 days to update the correct status of my credit profile. I am asking since they have violated this law FCRA as of XXXX and XXXX to remove all negative items effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I frequently work with the Credit Agencies to freeze and unfreeze my accounts to protect my security. I just unfroze my account with all three agencies ( Experian, XXXX  and XXXX  ). It was relatively easy to unfreeze my accounts with these three agencies. To refreeze my accounts I am having a lot of trouble with Experian. There is no way to get to a live agent and they want extra information to be mailed to them to freeze my account. It seems the only way to get better service from them is to upgrade my account and pay them money to do so. 

Can you please do something to make this process of freezing and unfreezing a persons account simpler? I believe that Experian is intentionally making it difficult for non-paying individuals, and this must be corrected. Maybe the credit information freeze should be handled by a single third party so an individual like me doesnt have to deal with three separate agencies every time. Thank you for handling this complaint.

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 2023-07-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.SC 1681 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Account XXXX  XXXX  XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020, I wanted to do a fund transfer from my Way2Go card ( GoProgram ) to my XXXX checking account. I wanted to transfer {$5300.00} to my checking account, but I was not able to due to the option of Fund Transfer being unavailable. I proceeded to call the customer service number provided on the back of the card but I was only able to get a hold of the automated system. This system also did not provide any option for Fund Transfer or to speak to a representative so I may resolve the situation. The website and the card did not provide a way to resolve this. I hope to get some information on to take steps to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit Systems the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Continental Finance Company, LLC
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I made a late payment in XX/XX/2019 of what I thought was enough to cover my past due amount. I was unable to determine the past due amount because my statements are not being sent to me electronically and also are unavailable on the companies website for me to access. By choosing electronic statements it is my understanding that the company is required to provide via email and or make available online which neither is being done. As a result I incurred a 30 day late because my payment amount had changed and my {$50.00} XXXX payment was short {$22.00}. I have since paid the additional amount to bring account current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Freedom Mortgage Company
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We were solicited by Freedom Mortgage via Mr XXXX XXXX to complete a streamline refinance of our first mortgage at the end of XX/XX/XXXX. We are not sure what happened, but the initial application was not processed by Freedom. So we had to reapply back in XX/XX/XXXXof this year. We still have not closed on this loan. Freedom Mortgage apparently did not know how to complete a subordination agreement. Even back as far as XX/XX/XXXX when we contacted our second lien holder to find out exactly what they needed to complete a subordination packet and emailed the exact information to Mr XXXX XXXX ( one of many different loan processors we have been shuffled with ), they still did not even attempt to send a pack until around XX/XX/XXXX. We have detailed notes from the many phone calls and email messages regarding this subordination process. For example, on XX/XX/XXXX per XXXX XXXX ( one of the many different loan processors after Mr XXXX ) they were " putting the subordination packet together. '' On XX/XX/XXXX per XXXX XXXX they are now " cutting the check for the subordination fee. '' On XX/XX/XXXX, they withdrew our application for being incomplete - stating it was our fault that we had not provided the subordination agreement. We legally can not complete this step for them! We were then transferred to another loan processor, Mr XXXX XXXX, who then had to put our application back into open status. We now have a new loan processor, XXXX XXXX. On XX/XX/XXXX, we received a call from our second mortgage company saying that Freedom did not send a complete subordination packet. We just spoke with our second mortgage company, and finally as of this week XX/XX/XXXX, they have a full packet. This company also tried to sneak in a new requirement that was not part of our original loan - a flood zone requirement. We are not in a flood zone, and this is not a requirement for our current loan. They backed off of that. On XX/XX/XXXX we emailed XXXX XXXX, Mr XXXX XXXX and tried to email the president of the company, the relations manager of the company and another supervisor XXXX XXXX. Yet, nothing was done for a few more weeks. We are starting to wonder if they are unwilling to work on our loan because of a bias due to our last name and assumed race. We filed a better business bureau complaint which nothing happened with that either.

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