BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello! 

I tried to freeze my credit with Experian. I went to : https : //www.experian.com/ncaconline/freeze # registration I have tried the process several times. After entering all the correct responses, I get a page that says We are unable to honor your request at this time. They want me to snail mail sensitive information to an address. So, I called them at XXXX XXXX XXXX XXXX. It took me through a phone menu for Credit Freeze. At the end of the menu, it says to please go their website. 

I have Frozen my credit with XXXX  and XXXX  with no problems. It was quick, simple, and painless. I am asking for Experian to do the same. I have spent countless hours trying to resolve this. No one at Experian will talk to me. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I originally borrowed a total of {$7500.00} ( {$2500.00} on XXXX/XXXX/XXXX and {$5000.00} on XXXX/XXXX/XXXX ). These loans were serviced through AES ( American Education Services ). As of XXXX/XXXX/XXXX I have paid a total of {$6600.00} and the loan balance is {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: Mel S. Harris and Associates, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There was a judgement filed against us by XXXX, on an account we have not idea about. The credit card company XXXX no longer exsists for us to verify. We had to make many calls just to find out how to pay it off, we finally were referred to Mel Harris Associates. They have been very hard to deal with. When my husband reached them to make arragements to pay this off, he recieved a verbal agreement on terms to pay and in return have this taken off our credit report. They said they would send a letter agreeing. We did not recieve anything for weeks and then he got an email later followed by a letter, the problem is the dates we agreed to pay were incorrect and the agreement to remove the judgement was not stated. He emailed numberous times along with calls, but no response. He finally called and spoke to a supervisor and was toold we did not stick to agreement and needed to pay that day. We insisted on getting a letter first and still have not recieved one. This was XXXX XXXX and XXXX. We have money to pay, but still not recieving necessry response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Despite the multiple previous written requests, the incorrect items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

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 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 2021-01-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
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:
Since you could not find my account in Fifth Third Bank to check possible payment error. For further study of this issue, I provide the following information to the Bank : Fifth Third Bank account number and screenshot from annual report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Google Compare Credit Cards Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX XXXX took 2 unauthorized payment from my checking account both in the amount of {$500.00}. I tried to call them and you cant talk to a live person so I made the complaint online later that day they sent me an email saying they werent refunding the XXXX. Thats all I got from them. I wanted to know why that was their decision, I didnt get answer. Hackers got into my checking account that morning and made several withdrawals this XXXX withdrawal was just one of several. The hackers opened 3 accounts in my name and used these accounts to take money from my checking account. The 3 accounts were XXXX XXXX, XXXX and XXXX I have never had any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: Southern Service Systems, Inc.
State: AR
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
After disputing a debt to Southern Collection System that has remained on my credit report for almost 2 years after my bankrupcy was discharged, I received a letter from Southern Collection System stating that I had " failed to dispute the validity '' and had not made arrangements to pay. They demanded that full payment be made within 10 days. Although I do not have prior documentation, this is the 2nd time I have attempted to dispute this debt and have it removed from active collections in the past 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Credit Plus Inc
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
CREDIT PLUS XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My wife and I opened accounts ( checking and savings ) with Wells Fargo in XXXX. We eventually added credit card accounts, a business account and a business line of credit. Wells Fargo, for reasons unknown to us, closed all our accounts in XXXX of XXXX. To the best of our knowledge, these account were all in good standing from their creation to when they were closed. 

We have made several efforts to resolve this issues or at least get an explanation to why this action was taken, even suggesting to them that this may have been an issues of a mistaken identity. Our last complaint to Wells Fargo was in writing dated XX/XX/XXXX. We received an unsatisfactory response dated XX/XX/XXXX. 

We want an explanation as to why they closed our accounts. Copies of these correspondences are attached to this complaint.

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 2015-05-15
Company: Arbor Residential Mortgage LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I represent a homeowner who is doing a short sale and has been approved under the HAFA guidelines to receive XXXX at closing which was approved by the sellers first mortgage holder ( XXXX XXXX ). The XXXX mortgage servicer at Seneca mortgage told me that they did not know that HAFA incentives were at XXXX and thought they capped at XXXX so if the seller was going to get more than XXXX then the investor at Seneca Mortgage wanted the difference between those XXXX numbers to go back to Seneca Mortgage and not to the seller. Seneca Mortgage also was offered 10 % of their unpaid principal balance, so they not only wanted that XXXX %, but also XXXX that the homeowner is supposed to receive from HAFA at closing. I told them that they had no right to collect the sellers incentive money if they already are being offered XXXX % of the UPB and also receive TARP money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
XXXX got a loan for XXXX back in XXXX 2016 ... ..supposed to a six month or early pay " will send attachment '' ... .made payment every Bi Weekly ... ..at first I had no problems then notice then extend my payment schedule to 12 months without my knowledge ... ..I all ready gave {$1000.00} more than enough to pay back loan ... .they tell me its just the principal interest ... ..at almost 980 % interest rate ... .I cant afford it any more and payments have going up .... now effecting my car and rent other bills ... I have stop all communication from them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Stellar Recovery, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX had billed me incorrectly, and during the time we were trying to reconcile the account was sent to Stellar Recovery, Inc. I worked through the errors with XXXX and paid the outstanding balanced owed directly to XXXX, but Stellar tried to collect a debt that I did n't owe them and is now refusing to remove the credit attempt from my credit records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: EQUIFAX, INC.
State: IL
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 had call this company about the unauthorized inquiries on my report. they refuse to delete them, i have sent the copies of a police and FTC report certified and someone sign for them but they insist they don't have them. i don't have any accounts associated with these inquiries and they wont delete the fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Messerli & Kramer P.A.
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Messerli and Kramer -XXXX, MN XXXX. 

This company sent a FAX to my work office with My name the last 4 digits of my SS #, asking for employment information from my employer. 

This FAX machine is a PUBLIC fax machine with multiple people being able to access this personal and confidential information. With bold lettering stating that it is debt collector and an attempt to collect a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/2016 I opened a checking account with Citi Bank NA. As part of the new account bonus, Citi Bank offered XXXX bonus if I meet criteria to earn the XXXX dollar bonus. I did meet their criteria in same month. Furthermore, to get the XXXX bonus the consumer must wait 90 days to receive the bonus which was fulfilled as well. I visited the branch and requested status of the XXXX. The branch was willing to help but the back office of Citi Bank does not want to fulfill their side of the obligation. They made an agreement to give me the bonus after meeting the criteria but not willing to do so as we speak. I have to constantly follow up for this to no avail as of this date. At a minimum, this is a deceptive marketing gimmick by Citibank and I seek relief from this scam by Citi Bank and like the XXXX I was promised.

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 2015-09-12
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
XXXX hired Financial Asset Management Systems to Collect on a private student loan. Financial Asset Management Systems has repeatedly used deceitful collection practices to try and collect on the debt. I called Financial Asset Management Systems today to make a payment, they proceeded to ask me to update my address with them. I told the person no i just want to make a monthly payment of {$250.00} as I have been doing since XXXX 2015. They then transferred me to their " credit card processing '' line, and they proceeded to ask for my address again which they had never done before when I had made a payment. The intent of asking for my address again had nothing to do with processing a payment, the intent was to deceitfully try an collect and updated address. This is deceitful collection practices under the Fair Debt Collection Practices Act. XXXX has repeatedly hired these unscrupulous and deceitful debt collectors to collect on their debts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: KS
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:
Equifax XX/XX/XXXX Confirmation XXXX. See Attached. 
XXXX 's XX/XX/XXXX Lost or Stolen, not me, hackers tried to order a huge amount of stuff. XXXX 's called me and stopped it. The account above this one dated XX/XX/XXXX is mine. This looks like I have two accounts, I only have the one. Take the XX/XX/XXXX off. The hackers are in XXXX XXXX FL, see attached, they changed all my contact info with XXXX 's, I got this statement online, my account is now changed back to me in Kansas. 

Hackers applied for credit, 9 companies dated XX/XX/XXXX to XX/XX/XXXX using my personnal information, which makes it looks like it was me, but it is not. The address in XXXX XXXX, FL is who did this. These hard inquires are pulling my credit score down. I DID NOT APPLY FOR CREDIT WITH THESE COMPANIES. Who would apply for credit this many times in such a short period of time?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
SunTrust responded to Complaint XXXX and a representative committed personally to stop opening new bank cards without my consent. However, they 've once again started sending repeated cards that were not requested by me. This action is unethical and irresponsible. I would like to request in the strongest possible terms that SunTrust immediately cease opening new accounts or sending unsolicited new bank cards to my address.

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 2021-01-05
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, XXXX add a hard inquiry on my credit report per TransUnion. 
On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 is reporting incorrectly to Transunion that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid off in XX/XX/2019 in good standing. This line item should not be reporting any late payments. This false reporting of lates is seriously harming my credit score and this line item needs to be updated and/or removed. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted XXXX XXXX as well as 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 2016-10-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been disputing inquiry 's on my credit file with Equifax since XXXX 2016. I have contacted ever comapny that had an inquiry on my credit file as instructed by a Equifax representative. The rep told me the only way they inquiry 's could be removed was by the company that placed them on there. I contacted each company and none of them showed any record of me by my address, phone number or social security number. They in returned all told me I needed to dispute that with the credit bureaus directly yet the credit bureaus are telling me they do n't and can not remove inquiry 's from ones file. All I continually get from them is the information has been verified and when I ask them how they verified it they send me a letter with general information on there verification process. I have not made any sort of credit request in over 3 years my inquiry 's should be none.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My brother 's activities are showing up in my TransUnion credit report and possibly my activities are showing up in my brother 's credit report. Called to resolve the issue but was not successful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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