BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-11
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear CFPB, My complaint is against SunTrust Bank regarding refusal to properly apply mortgage payments and charging late fees for payments that were not late. I feel like I was forced into asking for a partial claim through Suntrust 's XXXX XXXX when I wasn't behind on my payments. I also feel like SunTrust failed to properly process my home preservation application and my eligibility for their programs to remain in my home. 

SunTrust Bank stated they never received payments from me for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX although I have repeatedly sent proof of payments of checks cashed by SunTrust for these months from XXXX XXXX  and copies of money orders. 

I received notice from SunTrust stating my loan payments stated above were not paid and I was referred to XXXX XXXX because I was behind in the payments listed above which was not. So, I completed the Home Preservation documents and submitted them to XXXX XXXX of SunTrust XXXX XXXX to hold onto my home until the matter of the payments could be cleared up. 

SunTrust put me on a forbearance through XXXX, XXXX with a promise of a partial claim at the end of the forbearance period. Since sending the cancelled checks to SunTrust and speaking to several representatives trying to clear up this matter, I have never heard back from anyone including XXXX XXXX, XXXX XXXX, XXXX XXXX and others. I have sent several emails and I have had several phones regarding this matter with SunTrust representatives. The payments were made as follows : Listed below are the checks and money orders SunTrust cashed through XXXX XXXX but refused to acknowledge the payments were received from me. I sent you photo copies from the bank via email to SunTrust representatives.. 

XXXX XXXX, XXXX and XX/XX/XXXX payments were made with attached XXXX XXXX  XXXX Number XXXX in the amount of XXXX dated XX/XX/XXXX. 

XXXX XXXX XX/XX/XXXX payment was made with attached XXXX XXXX XXXX Number XXXX in the amount of XXXX dated XX/XX/XXXX. 

XXXX XXXX XX/XX/XXXX payment was made with attached XXXX XXXX XXXX Number XXXX in the amount of XXXX dated XX/XX/XXXX. 

XXXX XXXX XX/XX/XXXX payment was made with attached XXXX XXXX XXXX XXXX in the amounts of XXXX and XXXX totaling XXXX. 

My complaint is against SunTrust bank and I am making the complaint on behalf of myself. Thank you for your help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia 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 2022-09-07
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A collections account was opened up in my name On XX/XX/XXXX Regarding an XXXX XXXX that occurred on XX/XX/XXXX. I had a personal injury attorney settle all my medical costs through insurance and received a settlement check with all the amounts paid off. I have tried countless times to contact and open disputes with this company to get it removed and it has still stayed on the credit report of my XXXX. I had it removed on XXXX but they will not remove it from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
During a glitch all my inquiries were deleted but TransUnion added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I called TransUnion to advise I was aware of the  2 sep arate glitches and that my inquiries were deleted and then re-added to my report once the glitch was discovered. I spoke to  XXXX  in  XXXX  who refused to transfer me to a  US  special handling agent then advise me the inquiries would not be removed and forcefully ended the call.

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 2017-06-21
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX XXXX XXXX, reporting on my credit report account number ending in XXXX is reporting a late delinquency on XXXX of 2016 through XXXX of 2016, which is inaccurate, and only experian is the one who is reporting this inaccuracy, i have tries to dispute through them but they are not being helpful at all, i am attaching the creditors letter to this complaint, which i have also provided to experian. please have this removed from experians reporting. thank you for your cooperation

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 2021-09-24
Company: ALLY FINANCIAL INC.
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:
Ally Financial Inc. has agreed to a settlement worth {>= $1,000,000} benefiting consumers who received notices from Ally that failed to comply with state requirements. 

Two Classes have been established : Nationwide Class : Anyone who was named as a borrower, co-borrower, obligor, co-obligor, buyer, co-buyer, purchaser, co-purchaser, guarantor, owner, or co-owner in a Covered Contract, whose Covered Contract was secured by Collateral, whose Collateral was repossessed voluntarily or involuntarily and whose Collateral was disposed of during the Class Period. 
Missouri Class : Anyone who obtained a Missouri Certificate of Title from a motor vehicle identifying Ally Financial as the lienholder as a result of entering into a Covered Contract, or who was named as a borrower, co-borrower, obligor, co-obligor, buyer, co-buyer, purchaser, co-purchaser, guarantor, owner, or co-owner with a Missouri address in a Covered Contract, whose Covered Contract was secured by Collateral, whose Collateral was repossessed voluntarily or involuntarily and whose Collateral was disposed of during the Class Period. 

Ally also has agreed to no longer seek collection on a portion of any deficiency balance reflected as outstanding in Allys records after Ally repossessed and sold the property. 

The value of this benefit, called the Gross Deficiency Waiver Amount, will be at least {$700.00} XXXX. The amount of the waiver will vary for each Class Member, but it will be the amount of their deficiency balance or {$1300.00}, whichever is lower. 


ALERRRRRTTTTTTTTT!!!!!!! 
In addition, Ally Financial has agreed to stop occurring finance and late charges on Class Members deficiency balances as of the settlements effective date, and will request that XXXX, XXXX, and XXXX delete trade-line information on Class Members credit reports that is related to their Ally account that is subject to this settlement. 

FOR MORE INFORMATION VISIT THE WEBSITES : http : //www.allynoticeclass.com and XXXX XXXX XXXXXXXX

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 2017-06-21
Company: EQUIFAX, 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 told by a customer service agent that I needed a copy of the police report in order to have this account blocked from my report- I 've provided that numerous times and it is still showing on my report. Please block this creditor ; I 've been telling Equifax for nearly three years  now that it does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: EQUIFAX, INC.
State: LA
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 early XXXX of XXXX I disputed 2 accounts that were reporting on Equifax credit report. They are duplicate accounts which have all the same information including the account number, the date opened, the balance, the date of 1st delinquency etc. It 's now XXXX of XXXX and they ended the investigation of one of the accounts but the 2nd account is still showing that it 's being investigated and that reinvestigation is in progress. The problem with this is I never disputed the account a second time so the last dispute was done in early XXXX, so how can the account still be being investigated. It 's my understanding the factoring company only has 30 days to reply to the investigation and if no response by the time allowed then the account would be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Spring Oaks Capital, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i have asked and asked in writing, over the phone, filed dispute after dispute with credit reporting agencies. this is not my debt, i have asked for PROOF OF DEBT, DOCUMENTAION AND THEY REFUSE. THEY JUST CONTINUE TO STATE IT IS MINE. THEY HAVE TO PROVIDE PROOF UNDER THE LAW BEFORE THEY START TEARING APART MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: EQUIFAX, INC.
State: NV
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 have an issue, I had a car loan through XXXX XXXX XXXX # XXXX as of XXXX I have always been current and been paying on this, I pay it off in XXXX and now a bunch of late payment remarks were added back from XXXX and XXXX from XXXX which is inaccurate. I have attached the page of my credit report in XXXX reflecting paid as agreed and never once late and the report that was pulled in XXXX showing a bunch of inaccurate late payments. How can I be penalized for paying off an auto loan. This is not correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: TX
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:
I have tried to get a copy of my credit report today, XXXX XXXX from XXXX Credit Report for Equifax, and they continue to produce an error code. I have not been able to get a copy of a credit report due to a code NH. Attached is a copy of the message that I continue to receive. 


Please give us a call We can't complete your request at this time. Please call the XXXX XXXX team and mention error code NH. 

XXXX-EQUIFAX ( XXXX ) Customer Care is available XXXX XXXX  and XXXX XXXX ET, Mon-Fri ; between XXXX XXXX and XXXX XXXX ET, Sat-Sun

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Mountain Run Solutions, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dont have a debt with this company. They are in violation of my rights as per USC 1681 I have never given anyone permission to share any information on my behalf. I have never signed any type of agreement with this company and have never done business with this company. This company has harmed my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I rent my accessed my credit profiles and discovered accounts, addresses, and telephone numbers not related 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 explanation
Consumer complaint received 2022-03-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I rent my accessed my credit profiles and discovered accounts, addresses, and telephone numbers not related to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: EQUIFAX, INC.
State: MN
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 am a victim of identity theft. I have filed numerous police reports with the XXXX Police Department in regards to the fraudulent accounts and hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report. I have sent copies of the police reports to XXXX XXXX, Equifax and XXXX. The following accounts and hard inquiries are fraudulent and do n't belong to me : XXXX XXXX, {$1000.00}, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, {$260.00}, XXXX/XXXX/XXXX, XXXX, {$130.00}, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX. XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: ALLY FINANCIAL INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
After a nightmare dealing with this bank from the very first month, I paid off my loan 16 months early Ally Bank received the final payment on XX/XX/2022 by Priority Mail Receipt. On XX/XX/2022 they sent me 'Congratulations ' on paying off the loan and the confirmation of Lien Release . I hadn't received the Title of the auto as yet, so wrote them a letter making the request on XX/XX/1022 ... .this was after requests on Social Media , without response. It is now SEVEN MONTHS after satisfying my loan early ... .AND STILL NO TITLE or response to my letter. This appears to be common practice with this company, as I have seen many similar problems both on XXXX  and Social Media sites.

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 2022-01-05
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took a loan from mountain america credit union.I was supposed to pay off in 2years. I had issues at work so I called them to hold payment for 3month.After I get job and went to pay them off they refused to take my calls.When I called them back. In a times they send me to Utah and I will be on the phone for hours or more.Then the phone dropped without no one will to answer.Then I waited several time to get mail or email nothing.Late on several scam companies calling me to pay money which is more than 2 times what I owned the bank. This i decided followed up again but they said they have no idea.Next thing I saw on my credit the amount that is more than what I owned them. I think as human being I have not been treated fairly with this bank.but they rather taking advantage of me.I need help to resolve this issues.i have family to provide for including sick mother.i don't went anyone XXXX  my life and suppress me to their own satisfaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Citibank checking and savings account opened in XX/XX/2019 for {$500.00} bonus after 90 days but the {$500.00} bonus has not been delayed and not posted to my account. Please honor the promise to post the bonus to my checking 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 monetary relief
Consumer complaint received 2021-09-24
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Dear Sir/Madame it may concern : I have had Cash Call Mortgage is my currently mortgage on my primary home. My credits and all documents disclosed my assets in detail had been approved in excellent status that I qualify for the refinance at the lower rate and cash out. 

On XX/XX/XXXX, I told the loan officer to lock the rate at 1.75 %, Point Fee is 1.112 %, with NO Closing Cost ( It meant lender credit and no charge me for 3rd party ). He told me he locked the rate and transferred my document to the underwriter approve. 
I supposed that we will close the loan in XXXX. However, in XXXX the loan processing told me that she waited for the loan officer locks my rate. I called loan officer and he told me he forgot to lock the rate and he would wait for the rate goes lower like the date XX/XX/XXXX, he would lock it for me. However, I did not hear he called me. 
On XXXX XXXX, I called him and said the Cash Call mortgage was lower the rate and APR rate is the same as on XX/XX/XXXX. He should lock the rate for me. 
However, he sent me the rate lock estimate the same but it charges me FOR CLOSING COST AND THE DATE LOCK RATE IS XX/XX/2021 which I had not been informed until I called him to lock the rate on XX/XX/2021. 

I complained about the closing cost, the loan officer asked me to call his supervisor XXXX. I called Mr. XXXX on XX/XX/XXXX. He agreed with me that my loan will be close at the end of XXXX and will be No Closing Cost like the rate I wanted to lock on XX/XX/XXXX. 

On XX/XX/XXXX However, when the loan processing asked me to sign e-document dated XX/XX/2021, the Closing Cost is still there, it has not been corrected as Mr. XXXX told me. 

On XX/XX/XXXX, I have tried to call and Fax what is wrong to Mr. XXXX, however, Mr. XXXX and loan officer do not respond to me by my phone call, email or fax. They ignored me and even do not correct the closing cost on my Closing Disclosure. 

Closing Disclosure the Disbursement Date XX/XX/2021. 

Cash Call Mortgage should credit to me the closing cost of {$1.00}, XXXX as the lender credit to me such agreement on the Loan Estimate dated XX/XX/2021. And it had been confirm with Mr. XXXXsupervisor to me on XX/XX/2021. 

I appreciate your help me this matter as soon as possible before the loan expires. 
Very respectfully. 

PS : The closing cost is XXXX should be the lender credit to me as the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 - I purchased XXXX videos from a XXXX User and I paid for those videos via Cash App. The reddit user never provided the videos. 

On XX/XX/2021 - I requested a refund of the purchase directly from the user via Cash app and the user declined the refund. I On XX/XX/2021 - I reached out to Cash app support and they told me there was nothing they could do. 

Cash app seemingly exists solely to facilitate transfers of money as a part of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Capital One Auto Finance left a voicemail message on my phone regarding my past due credit card. It is against North Carolina state law to for a creditor to leave voicemail messages on North Carolina residents phones. This is a violation of this law and may be addressed with my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
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:
This is a formal complaint about inaccurate information being reported on my credit report. Under law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification. I believe the following information to be inaccurate. 1.CREDITOR NAME - XXXX. - Account type- STUDENT LOAN. **I am disputing this account for inaccurate information. I had sent letters on XX/XX/XXXX, XX/XX/XXXX to XXXX, did not hear back from them on both occasions. XXXX, Equifax, AND XXXX are reporting negatively on my Credit files and they all need to remove them immediately. XXXX XXXX information is fraudulent and inaacruate and that they need to remove XXXX  IMMEDIATELY FROM all MY CREDIT FILES, I have not heard back from XXXX, Equifax, AND XXXX or XXXX. As of XX/XX/XXXX, XXXX is still reporting negatively on my all three credit files. I want this deleted immediately from all 3 of my credit files Now. I am getting no answers. The last report date of the account was XX/XX/XXXX so there 's no excuse as to why this accounts displaying inaccurate information. Thank you for your help

Company response to consumer: Closed with explanation