BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
In XX/XX/XXXX and XX/XX/XXXX somebody was using my social security number. I use to have XXXX negative accounts, and I disputed all accounts and my fico score use to be XXXX with Experian and now I have XXXX negative accounts with Experian and my fico score is XXXX. And I want your help to bring my fico score higher. Also, I was a victim of identity theft. And this year I bought a house and my fico score with XXXX credit vural, and my fico score is XXXX. XXXX credit vural is XXXX, and with Experian credit vural is still very low at XXXX. XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I get an account report with Experian showing open and supposed to show closed as he was paid off completely. I request this account to be closed immediately and be reported to all credits bureaus in the 5 days turn around

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 2015-04-12
Company: Stellar Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
a charge from XX/XX/XXXX for comcast cable was proven in XX/XX/XXXX to be an ID theft charge and was finally dismissed. Well now sterler or steller resources recovery is now again trying to recover payment for this debt and filed on my credit report that I owe this charge. I do not know what there problem is or if it is XXXX. But i am sick and tired of this, please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Our company had a business acct with suntrust bank. We were not supplied with any " rules and regulations '' documents only " Deposit Account Resoulution and Authorization for Business Entities ''. We made XXXX deposits totaling {$7600.00} and were told the money would be available the next day. They would not allow us to verify funds at the branch and we were told they do n't do that anymore. The next day my partner made a withdrawl of {$7400.00} to purchase equipment from the funds we recieved from the church. This was Grant Money. The next day I found out the bank had called the police for fraudulant activity on our account and the church account. According the the last paragraph in item ll on the first page of our account agreement they violated their own deposit agreement. All accounts were locked and the church and grant people tried to work with the bank to resolve the first XXXX checks. In the mean time my partner made another deposite of {$7500.00} from the church to cover the first checks and the bank promptly placed a hold on the check. I recieved notice that they were returning the check, then I got a notice that it had been paid. Then I got mail the next day that had the check copy with the notation " Account closed ''. The whole time the bank was told the funds were good and the grant people had no problem with paying these checks. Sun Trust took it upon themselves to close our accounts without even speaking with us or working with us and are calling this fraud which amounts to character assasination and defamation when we had no opportunity to get this worked out. There was no intent to defaud anyone and now we ca n't open accounts anywhere else and are being denied the opportunity to continue our business as banks look at our record and turn us away. I have sent letters saying account closed with no way to make a deposit if I wanted to to clear this up because we are " closed '' Where do we send the money for correct accounting. Our name has be defamed and they are charging fees for a problem they created from the start and now threaten legal action. The bank has taken this action without any regard to the consequences of the parties involved with no attempt to contact. I was told on a phone call with customer service that they do verify funds for business yet we were denied. The bank should be penalized for these actions and made to clear our names and company reputation. All fees should be waved and at this point we feel they should write off the balance for deceptive banking practices. I have attached documentation for our account. We have copies of the churches account and know that it was open at the time of the banks actions but are unable to attach these without their permission as they are pursuing action of their own. 
Regards

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-13
Company: Credit Karma, LLC
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is an address on my report. I have no idea who 's it is I have never lived there and do n't know anyone who could live at this address. It is XXXX XXXX XXXX XXXX co XXXX

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
Consumer complaint received 2015-05-22
Company: Medical Business Bureau
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do n't know why this company keeps calling me because I do n't owe any one, I pay my bills every month!!! I want the calls to stop and for them to take it off my credit report, I do n't think that they should have it on there

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: SUNTRUST BANKS, INC.
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I negotiated a HELOC loan with Suntrust Bank that my ex left me after divorce. I wired XXXX on XXXX XXXX, 2015. In agreement for the amount sent, I was to be released from the lien against my home. The letter for release never came nor was I able to close my home as a result. XXXX XXXX XXXX kept the XXXX and never released me. I have been in legal harm since his failure to cooperate with the title company to sell my home. I have called XXXX of times to multiple Suntrust departments but they have not been able to resolve the matter. I have incurred high legal fees and failed closings as a result of XXXX XXXX unprofessionalism of working with my title company and counsel to promptly resolve the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Pinnacle Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I hired a company to clear false information in my credit report. I received this letter from XXXX representing Pinnacle Credit Services , LLC. Threatening legal action etc. if I do not pay the amount they requested and/or contact them to dispute or validate said account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: STERLING JEWELERS, INC.
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
When I pick the line up there is a brief pause and an automated voice asking me to hold onto the line then an operator comes on and makes sure that I am the person they want to speak to. They ask if I hold an account with XXXX and infrom me that I have an overdue balance. This is the second time I have recieved a call today. The first time I did not recognize the number but knew it was a debt collector from previous expereince. 

I was prevoiusly behind on the account and recieved up to four phone calls a day from different numbers, with different area codes, throughout different times a daty. 

While I take resposibilty for being late on payments the non stop phone calls are borderlineharrasment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: Second Round Limited Partnership, Austin, TX Branch
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Called about new collection account on my report asked for verification /proof of debt and related documentation was told they do n't have to provide it original creditor probably would n't have it due to age of credit. Debt is bought in blocks not individually. Demanded collection. E removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: STERLING JEWELERS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Kay Jewlelers continued to contact my family my mother, sister, brother even after I wrote letter of hardship offering to pay {$50.00} a month until debt was paid. They practice unlawful practices and harass other members of my family in other states - I have asked them to stop these practices. I have offered to pay a minimum of {$50.00} a month. I have tried to close account to freeze interest. The website will not close the account nor will they close via letter request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05
Company: Receivables Management Associates
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
There are XXXX medical collection that were paid from a judgement placed on my ex husband. Both have been paid off for few months. His credit report has them closed. Mine still has the same debts as open with full amounts owed. I contacted Piedmont credit collections that was listed beside the collection accounts. They acted like there was no information about it in their computers. I know they have handled it, because I contacted them and asked about how it would be handled when my ex got an email from his work about the garnishment. They had the information about it then. I even asked for any other info needed to pay off other items in my name and got the account numbers needed to pay those off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Stellar Recovery, Inc.
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Stellar Recovery Inc. has placed a collection report for {$100.00} on my XXXX report as of XXXX/XXXX/2016 with no communications via mail or phone. If they claim to have notified by mail, I have not received them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: Northstar Location Services, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is a work phone contact and Northstar Location Services , LLC has repeatedly called me and various people with whom I work about collecting on a debt. They have been informed that this is a work phone and that I can not have these calls yet they continue to call multiple times per day during work hours.

Company response to consumer: Closed
Consumer complaint received 2016-07-08
Company: FIRST HORIZON BANK
State: KS
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a first tennessee bank checking account earlier this year, thus a XXXX Inquiry was initiated. I was told many times that I had met the requirements for this new checking account bonus via their secure message yet I was n't credited the bonus. 
I gave up on the bonus part of it awhile ago, but right now all I want is the XXXX inquiry for First Tennessee Bank removed off of my credit report. I think that would be fair considering what I went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Social Finance, Inc.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a personal loan with SoFi. On XXXX XXXX, XXXX, I made a payment to pay off this loan in full. I then cancelled the automatic direct deposit that had previously been connected to my account. Sometime after XXXX XXXX, XXXX that payment was rejected. Upon being notified that the payment was rejected, I initiated a wire ( with wire instructions provided by the customer service representative ). This wire was initiated on XXXX XXXX, XXXX. It is now XXXX XXXX and that wire has still not been applied to my account. Not only has the wire not been applied by SoFi reached into my checking account and took out a monthly payment inappropriately on XXXX XXXX. Regarding the wire not be applied - I have called or emailed almost daily about this matter. Each time, I have to speak with a different person and have to explain the scenario over again. I have had multiple people tell me that they will call me back " today '' or " tomorrow '' and I never receive a call back. I have had multiple emails to customer service not been returned. Regarding inappropriately taking almost {$400.00} from my account, the customer service representative told me that it was my responsibility to turn off my direct deposit. I was able to show him that I did indeed turn this off. This was evidenced by a XXXX XXXX payment NOT taken from my account. He then told me that he would speak with his manager about issuing a refund and would " call me back tomorrow ''. I never heard back from him.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: Stellar Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX HAS CONTINUE TO REPORT AND ACCOUNT THATS NOT MINE THIS IS BEING REPORTED TO XXXX, XXXX XXXX THIS INFORMATON IS INACCURATE!. LOWERING MY CREDIT SCORES

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: FIRST HORIZON BANK
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XXXX/XXXX/16 I withdrew {$600.00}. from an ATM like I always do. My receipt said I had {$20000.00}, which was correct. 4 days later when I tried to get money out to pay for car repairs my balance was {$250.00}. I immediately went to bank and reported this. I was told the back would give my money back while they did an investigation. 2 months later still no money. I had my card in my possession on XXXX/XXXX/16 but someone had already been stealing money from ATMs and making purchases using my card number since XXXX/XXXX/16. ( These transactions did not show up on my ATM receipts so I had no knowledge of them ). I have been to First Tennessee Bank at least 20 times and have submitted all the information they requested and have talked to XXXX police and security at the bank dozens of times. I have a {$600.00}. 
limit I can get every day, but First Tennessee let someone get more than that multiple times without my authorization. I have no car, my health and car insurance cancelled, phone cut off, no place to live, and no way to work for 2 months. Last time I talked to XXXX XXXX in the XXXX FTB Security, she told me they ca n't discuss MY account while the investigation is going on. I even gave them the name and persons address who used the card on multiple occasions, and they did nothing. I do n't even have XXXX cents to call them or catch a bus to a nearby branch. They have ruined my life for 2.5 months and do n't seem to care.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-09
Company: LOAN TO LEARN
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
In XX/XX/XXXX wife and I filed bankruptcy trying to help my mom when in the hospital Moved to XXXX for new job and finished paying bankruptcy XX/XX/XXXX -XXXX EduCap garnished my wages to where I could n't afford my mortgage and have to file bankruptcy again. Now I have a lien on my house and I can not sell my house because of a new job waiting for me in XXXX. I would like to work with EduCap to settle my debt but they wo n't even talk to my bankruptcy lawyer. I 'm not trying to get out of paying my debt but I am asking for help so that I can pay EduCap off as soon as possible. 
If I ca n't sell my house I will have to forclose and I 'm trying not to go there It would be better for me to sell my house and give EduCap any profit I make on the sale. 
All I 'm asking is to work with me so we both can move on with life. 
Thank you for any help and support you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: Progressive Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Progressive Financial keeps calling & harassing me concerning debt that I do not owe. I believe that the debt is owed by a person with the XXXX as mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX, 2016 my family received approval for HAMP tier 2 from SLS ( XXXX XXXX XXXX ). The three Trial Payments to begin XXXX XXXX, 2016, however four weeks later I was notified that the file had been audited after my approval was sent out and that unfortunately a mistake had been made while processing the file and that our family did not qualify to receive the modification after all.

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
Consumer complaint received 2016-01-14
Company: Go Capital Holdings, LLC
State: AR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I wish to make a formal compliant against this finance company that I previously got a loan for XXXX years ago. I requested that the company come and get the automobile because, it was not worth the amount of money that I was paying and that the repairs were more than the car itself. this company refused to come pick up the car for several of months while I was still making payments on the car. I found out that this company has gone out of business, and then the car was sold at an auction for less than what was paid on it. I have contacted the credit Bureaus in reference to this being taken off my credit report because they are reporting this as a repossession.

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
Consumer complaint received 2017-02-04
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX reported I had not paid an equipment return fee and the last payment. XXXX tried to collect it. I called them twice and on XX/XX/XXXX I sent them the receipt from the return and bank statement with last payment. Now they have sold it to Franklin Collection Services and they sent me a letter saying are trying to collect the same debt for the exact same amount. I just disputed the last bill also with them under the same circumstances. Apparently XXXX broke the return receipt and the last bill into seperate accounts and now the collection agencies think they are both delinquent. I have bank statements for the exact amount and the original receipts from the equipment return and I have sent these and faxed these and they are ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Pinnacle Credit Services, LLC
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Debt collector will not send me a signed contract when I ask they go around it also added it back to XXXX after they found not not enough to prove its mine XXXX time filing complaint same answer from company next step to sue under fair credit act failed to supply appropriate documents and harassment and for adding back to XXXX after removed by them XXXX for not having enough proof account is not mine

Company response to consumer: Closed