BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-16
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job last year due to COVID, along with my partner losing hours with his job because of the pandemic and job site closings.

I submitted a request to Suntrust ( now Truist ) for COVID-19 relief, which put my loan into forbearance. I was very lucky to find a job pretty quickly after losing it, and around the same income - and the relief that was provided to me was enough for me to get back on my feet. 

During the process, Suntrust sent me SO MUCH communication. In fact, they sent me two packages of relief to come out of forbearance that I signed - and as you'll see by the dates on the package - they came to me in a matter of a week, which led me to believe that I needed to fill both of them out. 

What I've come to find out is that one of them is a partial claim - which I had notarized, that would have my mortgage payment starting this month - which I wasn't ready for. I then got another package in the mail - which told me I would start trial payments on XX/XX/XXXX - that's the one I wanted ( and apparently is through HUD ). 

When calling Suntrust - and having spoken to one of their associates - who led me to believe that I was in the WRONG for filling out both - and didn't take responsibility for sending confusing notices - I'm now on the hook to pay my mortgage back this month and I'm already 16 days past due and told the associate that XXXX and the other package I filled out was the one I preferred - so that I could get relief and find stabilization during all of this. I've requested twice to speak to someone that makes decisions at Suntrust on why this can't be changed to the 2nd package ( trial payments with HUD ), and why Suntrust would send me two conflicting things in the first place. 

Now I'm worried that because I followed THEIR directions to fill out two different applications ( when I thought it was one and the same ) - this is going to 1 ) negatively impact my credit score ( where I have an excellent one ) and did everything the right way in contacting them when I needed help, something they've boasted about doing - only now telling me that can't help me and 2 ) that my house is at risk - THIS IS OUR HOME. 

If this doesn't get settled here with the CFPB, I plan on taking this to the news. This is absolutely absurd and feels like I was duped - and even the woman on the phone said she didn't understand why they sent me two different loss mitigation options - that it shouldn't have happened ( please, ask Suntrust for the recordings of our telephone calls ).

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 2016-10-05
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Multiple inquiries are on my credit report and several duplicates that I did not authorize. These did not result in offers of job or credit. I sent requests to the credit bureaus and letters to businesses and the inquiries are still there. The credit bureaus said invalid dispute or verified inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I refinanced with the first paymet being due XXXX. I setup for auto draft, and it has been XXXX ever since. As of now Cardinal Financial has pulled and paid XXXX, XXXX, and XXXX. They have been slow posting on every month, and have not posted XXXX or even pulled XXXX. We want to pay this house off, not have it damage our credit, and pay interest on payments that should have been posted on the first of each month. We have made multiple calls and keep getting the run around. My wife spoke with them on XXXX, and I spoke with them today XXXX, and all we hear from them is the same old thing, " I'm not sure why it's been such a problem '' or " we'll get back with you in XXXX business days ''. There has to be a way to protect people from lenders like this!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Unable to pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft, this account XXXX does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Harley Davidson Financial Services Inc
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have filed numerous complaints attempting to resolve this matter and XXXX from Harley Davidson Finiancial Service is calling me telling me she does not care about what was written to the government-cfpb. Harley responded We mailed a letter to the customer, which is also attached to this response. We explained that the dealership the customer complains of is an unaffiliated third party, and we do not have control over that dealership over matters outside our loan agreement. The customer indicated he is working on a resolution with the dealership, and we encouraged him to continue in that effort. We explained that the transaction he describes between the customer and the dealership does not impact the customer 's loan agreement with HDFS. We again explained our duty to report credit accurately, and that we can not change information we believe is correctly reported. We provided our toll free customer service phone number, and invited the customer to contact us with any additional questions he may have. AND I DID EXACTLY THAT. I called got a payoff letter, then worked it out with the dealer. Only for XXXX to nothing will be done on the deal now since the dealer is paying off the bike and not me. This makes no sense when I made it very clear in my last complaint what I would be doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Went to XXXX XXXX XXXX  web site. Got one report, Not sure which one, I got confused. The other two said there was problems and told me to request a report through the mail. Not an option that I want. When I tried to start over I kept getting looped back and had to re-enter info multiple times. All subsequent attempts failed.The website is TOO unforgiving and confusing. I think that is deliberate by the credit reporting bureaus. Make things as difficult as possible to discourage users.

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 2016-07-28
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I AM FILING THIS COMPLAINT BECAUSE THE CREDIT BUREAU IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THESE ACCOUNT AND INQUIRIES UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA THEY ARE REQUIRED TO " PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED '' THAT I HAVE DISPUTED. THE CREDIT BUREAU FAILED TO PROVIDE ME WITH A PROPER INVESTIGATION AS WELL AS PROVIDE ME PHYSICAL PROOF THAT THE ACCOUNT AND INQUIRIES DISPUTED WAS MY ACCOUNT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: CITIBANK, N.A.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I am opening a new complaint related to complaint : XXXX. 

My original complaint still stands. They did eventually credit me the bonus, *after* I spent several hours on the phone with customer service agents ( getting the run around ) and filed a complaint with the CFPB. However, they did not comply with the terms and conditions of the promotion, which required the bonus to be paid " within 90 calendar days from the date from the date you complete all Required Activities. '' I am seeking recompense for the failure to abide by the terms and conditions of the agreement, and for the time I have been forced to consume dealing with customer service reps and the CFPB ( to receive my duly earned bonus ). I bill at $ XXXX/hour and have conservatively spent 4 hours trying to resolve this issue, so I am seeking {$800.00} from Citi. 

In addition to my original complaint, I now have a new complaint against Citi. They lied to the CFPB in responding to my original complaint. They claimed *to you* not to have any record of me being a customer, but they had no problem responding negatively to my complaint via my private email ( message attached ). For the CFPB to take Citi 's word and closing a complaint without giving the consumer an opportunity to refute the companies claim is absurd.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX - XXXX - {$430.00} XXXX XXXX - XXXX - {$860.00} XXXX - XXXX - {$6300.00} Department of Education - XXXX - {$170000.00} XXXX - XXXX -- - {$2500.00} XXXX  XXXX XXXX - {$5500.00} In according to the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I have a right to privacy and the right to determine what information is personally released about me. I have tried several times to remedy this the companies directly through email and XXXX Mail. This company continues to publish information that is false and hurting my ability to live a lifestyle with the similar privileges of my peers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME FRAUDULENT ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND HAS PUT A STOP TO ME PROGRESSING INTO THE FUTURE THAT I HAVE PLANNED FOR MYSELF. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION.

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 2022-10-27
Company: BSI Financial Holdings, Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX a XXXX XXXX dated XX/XX/XXXX was delivered to my current home with multiple errors. These errors include amounts paid by XXXX XXXX including too much with overages ( greater than {$2000.00} ) for insurance, incorrect property location including town, township, XXXX XXXX, incorrect tax assessment amounts, incorrect escrow due, and payments for any town taxes were made to XXXX XXXX XXXX XXXX XXXXXXXX XXXX  which is completely incorrect as my home is located in XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX. After speaking to the XXXX XXXX tax collector, XXXX XXXX, no payments were received by said XXXX XXXX, and no documentation of tax receipt or payment were received by XXXX XXXX XXXX collector. In addition, I have contact my home insurance company, and they have only received the correct amount of payment based on my policies, yet, the escrow is completely inaccurate and negative thousands of dollars. I have called XXXX XXXX on XXXX occasions- starting first in XX/XX/XXXX, then starting on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. All calls have been without resolution, XXXX calls to include on XX/XX/XXXX and XX/XX/XXXX were forwarded to voicemails in which do not register with any employee. Not XXXX return call has been received, no return correspondence have been completed by the company, not XXXX issue has been addressed or corrected. Per the escrow analysis received on XX/XX/XXXX the mortgage amount is to increase from the CORRECT {$980.00} per XXXX to {$1400.00} per XXXX due to XXXX XXXX errors on the entire account. Not XXXX associate has connected me with anyone to fix any issues on the account and we are going to lose our home due to not being able to afford this huge increase on the companys behalf based on the companys errors when they incorrectly processed everything. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
A few days ago I received an alert from my credit monitoring system that an update had been added to my credit report and I contacted the transunion credit bureau to alert them of my situation. They did not comply due to my not completely confirming my identity. I decided to allow an attorney to submit the pertinent information of proof of identity. I also contacted the Consumer Financial Protection Agency to have a further investigation to remove this disqualified request of an overcharge on my XXXX account. The breakdown the charges of the bill and continued to submit different charges with each billing statement that was submitted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
All of my inquiries were deleted from Transunion and then reappeared without me being informed.

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 2021-03-16
Company: SYNCHRONY FINANCIAL
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have repeadetly told Synchrony Bank to stop calling my home phone and they have not stopped ... I even sent a letter to them. Also instructed them to send me a bill and they have not done that. I will pay when I get the bill. 

NOTE : I was instructed by Synchrony Bank to remove the Cease and Desist from my account so they can send me a bill.

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 2022-10-27
Company: EQUIFAX, INC.
State: CA
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 am a natural person, I am a living human being, I have USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed be removed because According to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  ; Experian and XXXX  should not be reporting any lates on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The late payments reporting had been deferred via the CARES Act. I had arrangements with XXXX XXXX  and I was assured by the representative that no lates would report. Unfortunately, the mortgage company did not honor our agreement. Also, the bureaus are not correctly reporting this account as in dispute. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of the lates on the account. I have never received any communication from the bureaus to show that my request was acknowledged. My most recent credit report shows this account as not in dispute, when in fact, the account is in dispute. This language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  ; XXXX  and Transunion should not be reporting any lates on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The late payments reporting had been deferred via the CARES Act. I had arrangements with XXXX XXXX  and I was assured by the representative that no lates would report. Unfortunately, the mortgage company did not honor our agreement. Also, the bureaus are not correctly reporting this account as in dispute. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of the lates on the account. I have never received any communication from the bureaus to show that my request was acknowledged. My most recent credit report shows this account as not in dispute, when in fact, the account is in dispute. This language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2016-04-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed with experian/XXXX/XXXX that I have identity theft on my credit report with XXXX accounts that were opened fraudently. I also contacted the companies directly to report this information. XXXX XXXX did an investigation and I received a letter stating the investigation was done and it was proven that someone stole my identity and the information will be removed from my reports. To date this information has not been removed. I also have XXXX store showing on my report that also has been a part of identity theft. These credit reporting agencies are doing nothing to remove this information. I have been disputing this for months now and it is affecting my credit score. I am complaining because I have made numerous phone calls to the credit beaurous and ca n't reach a live person to speak to with experian. Along with this complaint I am also complaining because there are a few ( XXXX ) accounts that are showing as negative ... ..when in fact I have valid proof from the bank that these accounts were never late and should be showing as satisfactory on my reports.

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 2017-01-14
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
When attempting to get my credit report from all three reporting agencies using https : //www.annualcreditreport.com, I was given an error message that Experian was not able to process/handle the request online and that I would have to manually fill a form and send via mail in order to receive my report.

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