BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-01
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have been trying since XX/XX/XXXX to set it up so that I could transfer funds from Truist to another bank account external to Truist. I am in an endless loop between entering the information, getting trial deposits, then completely unable to enter the amounts of the trial deposits so that I could finalize the process. I waited an hour to speak to a human on their toll-free line then that human promised to transfer me to someone who could be more helpful, and the call was cut off. The online chat function is mostly automated, but where a human is potentially available, the wait time is estimated at 30 minutes. Truist ( formerly SunTrust ) seems completely off the rails with no possibility of recourse.

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 2020-09-16
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Santander informed me that this account was sold to XXXX XXXX XXXX.under applicable federal and state laws, once after creditor sell installment contact to third party collection agency they should not have any information about that account on their data base.however Santander provided what appears to be an alleged contract.this is fraud under all applicable federal and state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: FCI Lender Services Inc.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have reached out to the company, my lawyer has reached out to the company and my first mortgage lender ( XXXX ) has reached out to the company but FCI Lender Services Inc. XXXX # XXXX has not responded. Their website does n't work and i have contact customer service several times. I am trying to get into a harp program on my first mortgage and they have failed to subordinate the second and are basically blocking me from refinancing my first mortgage. The house is XXXX XXXX and the loans are about $ 100k more than the value of the home. I am willing to continue paying and would like to do the right thing but if this is n't resolved before XX/XX/XXXX, I will have no choice but default on my first mortgage.

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 2022-11-22
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2022 at XXXX XXXX I called XXXX XXXX XXXX ) XXXX about incorrect inquiries on my report. Once on the phone I notified the customer service rep of my concerns and he placed me on hold. He then disconnected the call without explanation. I am confused and time has been wasted. I was also a part of the data breach and was affected negatively. I was denied credit, housing, and higher interest rates.

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 2017-09-13
Company: Experian Information Solutions Inc.
State: NC
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:
For the past 18 months I have been disputing with Experian, the consumer credit reporting agency. I have sent affidavits, police reports, certified compliant/demand letters to Experian. They have continued to delete and than add accounts back on my credit file without providing evidence obtaining my signature. The following are accounts that Experian added to my credit file without my permission nor evidence that these account are mine : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX ( XXXX XXXX ) *XXXX XXXX XXXX was added before called XXXX XXXX XXXX XXXX XXXX XXXX I also told Experian to remove ALL inquires that I did not authorize and to provide me proof, the inquires still remain on my credit file as below.

XXXX/XXXX XXXX/XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX/XXXX/ XX/XX/XXXX XXXX/XXXX/ XX/XX/XXXX XXXX   XXXX XXXX/ XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX   XXXX/ XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX/ XX/XX/XXXX XXXX/ XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX I also told Experian to remove the addresses not affiliated with me, those address is as followed : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX   XXXX XXXX XXXX XXXX XXXX, NC XXXX and add the correct address.

and remove XXXX XXXX XXXX off employment.

My last certified letter that I sent Experian was on XX/XX/XXXX and they continued to keep my credit file the same or re-adding accounts and not providing me with actual proof with signatures that these accounts belong to me.

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 2017-11-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My attorney was assisting me in settling this matter with Carrington Mortgage Services LLC. On Tuesday XX/XX/XXXX, Carrington 's attorneys XXXX, XXXX XXXX XXXX confirmed to my attorney that Carrington Mortgage received a complete loss mitigation application and no sale date was set. 

On XX/XX/XXXX I received a letter from Carrington Mortgage Services LLC dated XX/XX/XXXX, stating that my application for mortgage assistance will not be considered because there is sale date within the 37 days of receiving the my initial application of a now scheduled sale date for XX/XX/XXXX. 

I have a confirmation from my attorney that Carrington Mortgage Services LLC received my mortgage assistance application on XX/XX/XXXX, FIFTY DAYS BEFORE any sale date existed. 

This is a clear violation of the dual tracking laws. I have been pre approved to for a loan to settle this matter and this bank is acting in bad faith and trying to foreclose on me. I ask that the CFPB look into this immediately, postpone the sale date until this matter can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Experian Information Solutions Inc.
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:
I was a victim of identity theft and which someone got an account under my name with XXXX. I already mailed them the information in which they never got back with me on. I sent them my police report and identity theft report. They continue to email me one email was around XXXX which is a inconvenient time for which is a violation of my rights as a federally protected consumer under title 15 chapter 41.

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 2017-07-10
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid 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:
In XX/XX/XXXX, 2017, several fraudulent charges were posted to my account at Citibank. I disputed all of them and after several rounds of verification, I have confirmed none of these charges are mine. Most were credited to my account, but one charge remained. I have called several times, told the charge will be credited, but it remains on my account. I am several months past due, late fees and interest are accruing, and I 'm concerned it will affect my credit. This charge is not mine and I should not be held accountable.

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 2017-11-15
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid 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:
XX/XX/XXXX I contracted four, two night stays with the courtyard marriott in XXXX. This is for a total of 20 rooms PER night. 

XX/XX/XXXX ... .the program was not selling and we released the space a minimum of 45 days prior to any of the dates. 

The credit card was charged {$23000.00} and American Express permitted the charge on a card number that was NOT PROVIDED TO THE XXXX. The card provided to the hotel was compromised and was shut off PRIOR to the charge being processed. Why would American Express permit these charges? Is this collusion between someone at the hotel or the hotel ownership and American Express? 

I have fought via American Express with the hotel, because the management is not responsive. The hotel ownership, XXXX is impossible to contact and the fine folks at XXXX Corporate are not willing to step in. 

The best part is, ALL THE ROOMS WERE RESOLD and the hotel did not experience any harm!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XXXX XXXX XXXX I sent Transunion a certified letter demanding the company disclose to me all of the documents they have recorded and retained in their file at the time of my request concerning the listing of XXXX XXXX XXXX/XXXX account numers XXXX, XXXX, XXXX, XXXX, on my credit report. The company willfully neglected to address my concern and continue to report the erroneous item compromising the integrity of my credit file/credit score. The company neglected to provide me any documents or any response pertaining to the above listings. Instead on XXXX XXXX XXXX I received a generic response via mail that blatantly disregarded my request and addressed other accountsI disputed advising me my request had been verified. Unfortunately I am still without any documentation that would substantiate their claim or any paperwork that would give them any right to report this incorrect information. I am requesting the items be removed from my report 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 2022-03-01
Company: Experian Information Solutions Inc.
State: FL
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 reporting act XXXX XXXX Acct # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 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

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 2021-10-11
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Financial Business and Consumer Solutions.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt has been paid, and original creditor has no recollection of ever using FBCS. 

The debt is for an emergency room visit on XX/XX/XXXX. The emergency room has confirmed today, XX/XX/XXXX, that the debt was paid by my insurance company in XX/XX/XXXX. 

The debt of {$1300.00} was apparently sold to XXXX in XX/XX/XXXX. They have been calling me repeatedly since then. One such phone call, on XX/XX/XXXX at XXXX XXXX, was with a woman who rudely told me that this will continue to haunt my debt and angrily hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Caneel Capital, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I bought my property in XXXX, my first mortgage was to XXXX and my second to ( XXXX ). The second mortgage disappeared and did not contact me for several years. In XXXX Trinity Financial, LLC, appeared on my loan and proceeded to collect payments. Trinity was charging about 12 % rate and they increased the principal balance from {$120000.00} to {$230000.00}. I started looking for assistance at XXXX XXXX XXXX XXXX ( Nonprofit HUD approved ) ( They modified my first mortgage successfully ). I started a loan modification with Trinity, and I was applying with HAMP. I summited all required documentations and Trinity reviewed the paperwork. Trinity declined the loan modification, while in the process of a loan modification they sold my property. I appealed the decision and they never responded to my request. During this time, I continued to make payments on my first loan. Trinity continued the foreclosing my property with notice. I contacted XXXX XXXX in XXXX, CA to file chapter XXXX. She dismissed my case without my knowledge. I am assuming that some arrangements were made with Trinity. I also, hired a second attorney XXXX XXXX in XXXX XXXX, CA. He filed another Bankruptcy XXXX, Mr. XXXX advised me that my property was protected due to the Bankruptcy. I have been trying to contact my attorney Mr. XXXX for months and he has disappeared. In the process of the BK Trinity sold my property to them self. I kept making payments to my first mortgage without the knowledge that my property was already foreclose. I was never notified by Trinity nor XXXX that my home was foreclose. I learned recently that Trinity has given my property for XXXX value. The company that Trinity gave my property is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX. I WAS NOT ABLE TO FIND BUSINESS LICENSE ON THE ABOVE COMPANY. I am assuming that Trinity creates fraudulent companies. Trinity started to post Notice of Quit on XX/XX/XXXX and another notice on XX/XX/XXXX. My goal is to keep my property. I bought this home from my parents and have spent all my life living. My children have been raised here and it means everything to us. I am willing to negotiate a fair payment with the purpose of keeping my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
After sending 3 letters to Experian ( XX/XX/2022, XX/XX/2022 and XX/XX/2022 ) regarding the removal of inaccurate information on the consumer report. On XX/XX/2022 I called to followup on thw written letters and spoke with a women XXXX from the Fraud department. 

After going over the inaccuracies on the account and incomplete information when I look again on the online account the changes were not made. XXXX XXXX Fraud dept representative ) also mentions to me that my name variation couldn't be changed. That's incorrect information because that name on the consumer report is not full name. Also, my address was not updated as requested. 

This consumer report could have been accurate if proper investigation was completed by the consumer reporting agency.

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 2022-10-06
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I have a loan with Regional Acceptance Corporation, and XX/XX/2021 I reached out to them regarding the vehicle. The call was in regards to the car steering being out of order after a minor accident and was hoping to work out an extension on my payments to fix the car myself after the insurance company refused to pay for the repairs. They denied me any assistance to extend my payment and at that time I could not afford to fix the car and make the payments. The car had been towed to the local XXXX dealership by the insurance company and was unable to be driven. So I called the finance company and surrendered the vehicle I let them know the condition of the vehicle and I was told that they would be retrieving the vehicle I was told I would receive a call back regarding the car. After about a few weeks or so I called back after discovering they had not retrieved the vehicle from XXXX and I explained the situation once again I was told that the vehicle would be picked up and sold and the amount would be applied to my balance. months went by and I was contacted by the loan company regarding payment I informed her that I had surrendered the vehicle and inquired about the credit that was supposed to be applied due to them retrieving the vehicle and what was the process that I needed to take to set up a payment arrangement she was not able to assist me and no attempts were made by the loan company to communicate any decisions made regarding the vehicle at that time. 
I had not been called anymore afterwards regarding the surrend of the vehicle but would occasionally receive a bill from them and no other correspondence. Yesterday I got a call from XXXX regarding the vehicle still being in there lot from over a year ago. I contacted the finance company today XX/XX/XXXX regarding the account that they had sent into collections. I inquired as to why the vehicle had not been picked up or no why there was no communication regarding the change of plans to retrieve the vehicle. I spoke with XXXX and XXXX who stated that the company decided not to retrieve the vehicle due to the condition of the vehicle, and that they didnt have to retrieve it because the vehicle belonged to me but they would not be able to release the title to me unless I pay the XXXX balance in full because they owned the lien on it. They offered no options, and failed to communicate changes with my loan anytime during this process. I have been given the run around and contradicting information several times regarding the loan itself and I would like this to be resolved 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 2020-10-09
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed a erroneous item reporting inaccuracies from CITICARDS CBNA on XX/XX/31 via certified mail and I requested the documents to validate the debt be mailed to me within the allotted 30 days the FCRA gives. 45 days passed and the company still did not respond. I attempted to call the company and could not get through to who I needed because the information I provided to them was not in their system. I spoke with a manager who was able to locate a debt but the information on the account was different from mine. I let them know I never had an account with this company. I asked for validation and the representative said they dont respond to those types of request and I would have to pay the debt. I then pulled a comparison report from XXXX where I noticed CITICARDS CBNA had been reporting inaccuracies and different information to different bureaus. I filed a dispute with this information. XXXX deleted the account for not being verifiable after its investigation. XXXX and XXXX   stated they updated the account from my previous dispute. They didnt even consider the multiple inaccuracies CITICARDS was reporting. I am trying to buy a house and this account has cost me so much from housing opportunities, to job opportunities to health issues from stressing about their negligence.

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