BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-23
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
While paying bills through Suntrust Bill Pay my XXXX bill was entered as a rush payment for an additional cost of {$9.00}. This was not what I wanted, needed or asked for. There had been a red message prior, I did not know what it was, I re-entered the bill and the date was in green, so I assumed it was fixed. After I submitted the bills for payment I saw that I was being charged for a " rush payment. '' I immediately returned to the screen to cancel the payment but there was no option on that bill. It was locked into processing. I then called the Suntrust customer support and was told it is operated by a third party, and they can not get to a screen to cancel either. I had the Suntrust Representative call the third party ( XXXX ) to explain the problem and ask for their help. They refused to help or waive the charge. I told Suntrust I was filing a complaint with Consumer Financial Protection, and she said she would file a complaint with the Bank on my behalf. Suntrust complaint # XX/XX/2017-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 monetary relief
Consumer complaint received 2016-01-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Equifax makes it very difficult to lift a security freeze. Here is what I had to do. 
1. Called the number on my confirmation letter. The person told me it would take five days if he did it, but I could call another number for an automated system or do it online. 
2. I called the other number. After asking for my SSN and address number, it told me it could n't process my request. I would guess this is because they have an old address even though I 've been at my current address for more than four years. 
3. I tried online. The page they told me to go to did n't come up ( probably because I was n't using https ), but I was able to navigate from the home page. After filling out the first page, it sent me to a second page that said I would have to provide my PIN in writing. The first page did not have a way to enter my PIN. 
4. I tried the automated phone line again using my previous address. It did not work. 
5. I tried online again. Same result. 
6. I called the original number and went through the process. At the end, he said it would take 15 minutes to 5 days. I said 5 days is unacceptable. He then said it would be 15 minutes to 30 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was married and we had a joint mortgage through XXXX XXXX XXXX XXXX in XXXX XXXX, TX. I was divorced in 2013 and the mortgage was refinanced this year in my ex husband 's NAME ONLY. I have tried for 3 months to get the remaining balance of {$140000.00} off my credit report and Equifax still says it is my responsibility even though the credit union does not show my name anywhere on the mortgage now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
EQUIFAX sends XXXX XXXX the followng correspondences - maybe considered " fraud '' that violates consumer rights : 1. On XXXX XXXX, XXXX from Equifax Information Services LLC ( attached, XXXX ). Subject of Letter : " XXXX XXXX 's call re Fraud Alert, '' 2. and XXXX XXXX, XXXX from Equifax Security Freeze/Equifax Information Services LLC , advising of a subsequent " security freeze '' on consumer 's Equifax credit file. ( attached, scan XXXX ). 

PROBLEM is - XXXX XXXX NEVER made a CALL to EQUIFAX! Not sure what Equifax is UP to ... BUT these XXXX FACTS could be a backdrop to these correspondences : 1. Equifax Settlement Services was acquired by XXXX XXXX XXXX in XXXX XXXX - from EQUIFAX Inc. [ XXXX ]. Essentially - XXXX XXXX XXXX 's direct link to Equifax..XXXX who is the subject of our Mortgage Fraud Complaint with CFPB. See item XXXX below. 

2. XXXX XXXX XXXX is the subject of our Mortgage Fraud case with CFPB - CaseXXXX, lodged XX/XX/XXXX. Purported servicer making an illegal attempt to " steal our residential home in broad daylight. '' No proven LEGAL Rights to foreclose ... and ALLEGED DEBT most recently proven to be NON-Existent! See XXXX XXXX Results XX/XX/XXXX ( Exhibit XXXX from referenced CFPB file : XXXX XXXX XXXX account was DELETED from XXXX XXXX 's XXXX Credit file. ) Consumer is sending correspondence to EQUIFAX by regular mail re this DISPUTE. Given the urgency of our personal situation however - XXXX making illegal attempts to foreclose against our home next week - XXXX XXXX, XXXX - we thought it proper to lodge this Complaint with CFPB for possible investigation vis-a-vis CFPB case against XXXX XXXX XXXX ( CFPB XXXX ). THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Equifax never reported payment history from XX/XX/XXXX to XXXX XXXX. XXXX never reported XXXX XXXX through XXXX XXXX on my payment history, XXXX XXXX for XXXX XXXX reported from XX/XX/XXXX through XX/XX/XXXX but did not submit to XXXX nor Equifax in XX/XX/XXXX, gave me credit for only 2 years and the loan was extended for 3 1/2 years. They stated the loan was closed on XXXX/XXXX/XXXX on the sheet that I submitted. Due to the improper reporting, this has held my personal business up tremendously by preventing me from obtaining personal mortgage loans or obtaining loans to obtain equipment for my job and personal business. I am looking for this matter to be resolved as soon as possible. This matter has also cause very high interest rates on all of my personal credit cards and the process to apply for loans in general due to a low credit score. In my opinion this is definitely unfair and a form of injustice to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have requested my credit report several times from all XXXX major credit bureaus, however, I have only received responses from XXXX. I have sent in all required documentation at least 3 times but I have not received any response. I understand that I am entitled to receive at least XXXX free annual credit report and that I am also entitled to receive a credit report anytime I am declined for credit and also when I add a security alert to my credit report. I have cited all XXXX reasons to XXXX and Equifax and I still have not received my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: WELLS FARGO & COMPANY
State: RI
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:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2017-03-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I received a letter saying that at that " As you requested we successfully placed an initial fraud alert on your Equifax credit file. '' I DID NOT request this. Also, " To eliminate the need for you to also contact XXXX and XXXX, we will forward your fraud alert request to them on your behalf. '' There was no fraud alert request and why are the forwarding a something that does not exist? 
This is a gross misuse and abuse of their power. They are doing whatever they want to do irregardless of how it will effect other. To include placing inaccurate data on peoples credit reports. They need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: CORELOGIC INC
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
CoreLogic/XXXX has placed multiple hard inquiries on all XXXX credit reporting agencies without authorization. I have disputed this matter with CoreLogic/XXXX multiple times, and they only send the same " formed letter '' XXXX times ( the exact same letter ) without any proof or any authorization. 
They must send me copies of signed proof/authorization or remove all hard inquiries from all the CRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: Zenith Financial Network Inc
State: IA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
On XXXX/XXXX/XXXX, I was called by a man who asked if I would be at home on XXXX/XXXX/XXXX at XXXX. I told the man I would not be home as I would be working. The man said he was a process server a nd I was being served. I asked if I could meet him somewhere to pick up the documents, he replied no. I asked him if I could contact somebody and he gave me the phone number of XXXX. He said ask for XXXX XXXX. XXXX XXXX identified himself as an attorney for XXXX and immediately accused me of committing fraud, deceptive practice, and that I would be arrested for a debt from XXXX XXXX XXXX for refusal to pay, that was supposedly taken on XXXX/XXXX/XXXX. I informed him I did not recall any debts of that nature. I asked him why have n't I received any notifications of this debt prior to this call? He said Mailings were sent out but they must have been lost in the mail. I asked him if there was any way I could rectify it? He said the debt was for {$970.00}. He would have to talk to his partners to see if anything could be done. XXXX XXXX told me I could settle the debt for one payment {$580.00} or 2 payments of {$320.00}. I asked XXXX XXXX if they had a website? He gave me the " XXXX '' I asked if I can receive a mailed copy of the debt and receipt of payment, he said sure but he would send me an email if I made a payment immediately. After receiving an email. with the letter head of ( XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX XXXX : XXXX ) I called the number and inquired about the debt. The receptionist did not have any records of me owing the debt. I asked her if she knew XXXX XXXX and she did not know who he was either. After alittle more research she said call the number on the website as it may be a sister agency. Upon calling it a receptionist answered and transferred to XXXX in house extension. After another conversation with XXXX XXXX and hearing crying from a child and a female cussing in the background. A payment was agreed upon in an attempt to stop the threatening calls to myself and my father ( received a call from this group ). XXXX XXXX transferred me to a number of XXXX, a XXXX number for a company of ZFN Associates ( ref # XXXX ). 

On XXXX/XXXX/XXXX I received phone messages ferom XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX As of XXXX/XXXX/XXXX I have not received any mailings regarding this debt or the validation of this debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-18
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Bought a XXXX from XXXX which they, I, financed through XXXX XXXX. It was a installment sales contract. But on all XXXX credit reports it is listed as a revolving account and an installment sales contract. XXXX is the only one that lists it a installment sales contract. The other XXXX companies and hy cite refuse to alter the info because it is listed as a positive account, paid in full and never late. An installment sales contract would make it a mixed credit report and would raise my score from C to an B. When applying for a loan it was XXXX of the reasons listed for denying the loan. Also XXXX a utility company should be listed as a sales, as I pay month to month and not under contact. If I had bought a car or boat this is where it would be located under sale account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Doctor bill submitted for collection because doctor 's office did not provide updated medical insurance to its billing department. Updated information also included my new address so I never got a notice of the problem. Doctor 's office cancelled the collection on XXXX/XXXX/15, more than 30 days ago, and it needs to come off my credit report and the affect it has had upon my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have been keeping close check on my credit and have noticed more inquiries and i have not been looking for credit. The only inquiry that should be on my report is target. Anything else was done without my permission and is not valid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
sent several letters asking for verification of a discharged chapter XXXX, keep getting the same response no action taken verified, no documentation, nothing with my signature, verified with who because I contacted the US bankruptcy court and they do not verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am still very confused. Between multiple dispute letters, filing complaints, and a confirmation email with document stating removals of the XXXX XXXX account from my credit report. Transunion is still reporting it! XXXX and XXXX have removed. Why is Transunion torturing me like this. I know they 're upset I complained but they would too. Can you please help me consumer finance. Do I need to come in person to file more official documents? and bring my stuff? Thank you

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 2017-03-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed an account for several months and requested verification documents from both the creditor and the credit agency. I have sent letters and placed several phone calls. Neither has provided any documents signed or authorized by me as verification for this account. Equifax has informed me that my file is mixed but still Equifax continues to report this erroneous account on my file. I want the account deleted and suppressed immediately since it has not been verified under the guidelines of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Netspend Corporation
State: NC
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
On XX/XX/XXXX I bought a prepaid debit card through NetSpend from my local grocery store ( XXXX ). I purchased the card for {$4.00}, and put {$130.00} on the card to pay my car insurance from my computer. Once I got home I attempted to activate it. I put in the necessary information ( SSN, birthdate, full name, etc, ). Once I completed this process and put the inactive card number in, I received and error message and was instructed to call the company. I did not see anything strange with this as I have had my identity stolen before. I called and attempted to complete the process over the phone and was directed immediately after entering my number to a customer service agent ( which I use this term very loosely as you will soon realize ) and was first informed about a previous charge on my card from five years ago that resulted in a negative balance of {$XXXX}. I was then told that until I cleared this debt, I could not activate my card. My only other options were to of course let them take the funds " owed '', or to get a refund on my purchase and wait 20 days for it to come in the mail. In addition to that I would be charged a fee for them to do this. In retrospect I did not react well to this news. I became quite the person to deal with and I ended up hanging up the phone because I was so frustrated. After I had calmed down just a bit, I called them to try to find out about their policies and where it stated that they were allowed to do this. I still have not gotten the answer to that. I was then told by a representative, that I would need to submit my ID, SSN, and proof of residency. I have done this countless times from this past Friday until now, but they keep saying different things like I did not receive a reference number, my copies were incomplete. Today I have scanned the documents in versus taking a photo from my phone, so hopefully this annoyance will cease. As for them taking my money, I have researched and researched. From what I have gathered, they can not legally do this, especially since they made no attempts to collect said debt from XX/XX/XXXX. Their response is that they treat me like any bank would when there is a balanced owed. My response was that a bank would attempt to collect said debt, through email, snail mail, or phone call. It is even more frustrating since I have told them they may collect said debt, and they still refuse to activate my card. I have repeatedly told them that I would no longer be bothered with their company or their services once this has been done. Why can I not have access to my own funds? Why am I punished for a debt I have no knowledge of from XXXX years ago? Please let me know if I have missed some legality.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I owed XXXX XXXX {$230.00} front a charge off account on a secured card. I called and paid them. The amount of {$230.00} which includes processing fee taken out of my account on XXXX XXXX 2016. To dated municipal credit card have nut updated my account and when I disputed up with equifax they came back with verification saying that they are reporting correct. In accordance with the FCRA I am requesting that the XXXX be removed on all of my credit report in accordance with the new york state law 5 year deletion law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: Seterus, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After grossly mishandling my mortgage account, # XXXX, Seterus Mortgage Company has not informed credit agencies that my loan was paid in full and account closed. 
My property at XXXX SC was sold months ago. 
However this former debt has not been erased from my credit report, which shows balance unpaid. -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: STERLING JEWELERS, INC.
State: WV
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I opened a Kay Jewelers Account to finance wedding rings. I fell behind in payments and made arrangements through Kay to auto-deduct {$35.00} every two weeks from my bank account. The deductions continued for a little over a year and stopped ; not by any act of my own so I assumed the debt was paid. I was contacted approximately 6 months after the last deduction by Kay who stated I owed approximately {$600.00}. I told them I disputed the debt and continued to receive notices and phone calls for another month ; all of this occurred from XXXX to XXXX or XXXX. I then received a phone call in XXXX of XXXX from an associate from XXXX XXXX XXXX who stated they were collecting the debt on behalf of Kay and said I owed {$1300.00} and then went on to say that if my employer ( Sheriff 's Office ) had to collect the debt it would be embarrassing. I spoke with the associate at length describing what had occurred and she did confirm that the account showed that the auto withdrawals had ceased for an unknown reason. She stated that her firm would settle the debt for {$600.00} so even though I disputed the debt I wanted to clear it up so I agreed and paid the aforementioned amount with the last payment occurring on XXXX XXXX, XXXX. ( I have XXXX emails confirming this as well as confirming that the debt would be deleted from my credit file ). On XXXX XXXX, XXXX, I received a phone call from an associate from XXXX XXXX XXXX who stated they were collecting a debt on behalf of Kay Jewelers for over {$1000.00}. I tried to be as courteous as I could but did tell them that the debt had been paid through XXXX XXXX XXXX. They requested for me to send them proof but I declined and told them I was not paying anymore money and hung up. Approximately an hour after the first phone call XXXX XXXX XXXX called me again trying to collect the debt at which point I explained to them again, less courteous this time, that I would not pay anymore money.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation