BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-30
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I tried to temporarily unfreeze my account with Equifax. I had no problem with XXXX  or XXXX, but this is the second time Equifax has given me trouble. I answered all of the questions that I was asked on the automated phone system perfectly. I track all of the data on XXXX to the penny, so I have have the information at my fingertips. I know the answers to everything but they are stating that I didn't answer the questions properly and will not unfreeze my account. I was hoping to re-finanace but have opted against it because Equifax is just too difficult to deal with. 

Prior to speaking with the representative, I went on-line to unfreeze my account but Equifax unfreezing screen states they are down for maintenance. After speaker with rep. she stated that it's not down I must be having technical difficulties. I was not having any difficulties. 

The only option they gave me was to mail in identifying information. They stated it could take 5 - 8 business days before they process the request plus mailing time. 

It shouldn't be this hard. XXXX  and XXXX  were much easier. It's simply not fair and I would love to see Equifax held accountable for their poor relations, lack of understanding and their technical problems that they are blaming on others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY MOTHER XXXX XXXX XXXX XXXX WAS ATTACKED AT THE AGE OF XXXX. LIED TO ABOUT XX/XX/XXXX RESIDENCE.
SHE WAS XXXX  ON HER XXXX  BIRTHDAY. 
WHY HER FULL NAME THATS OF HER DEATH CERTIFICATE APPEARS ON MY EDD DEBIT CARD IS A HAINOUS ACT. MY SON XXXX XXXX XXXX XXXX THEN FOLLOWING WAS XXXX. I HAVE A SON AND A NEPHEW THE HOLDING IN A XXXX IN XXXX XXXX. XXXX XXXX XXXX AND SON XXXX XXXX XXXX XXXX XXXX HOSPITAL OR A XXXX XXXX.
I WAS ATTEMPTING TO GET A ROUTING NUMBER AND ACCOUNT NUMBER AND LOGGED INTO www.bankofamerica.com/
eddcard.
My AWARD CLAIM WAS SENT BYERROR IN THE CLAIM IT PACKET AND OVER THE PHONE INTERVIEW. I HAD TO TRACK THIS INFORMATION TO A ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX  CALIFORNIA 
THAT HAD BEEN A XXXX  SPOT AND KNOWN XXXX.
I EVACUATED THAT RESIDENT ON XX/XX/XXXX FROM XX/XX/XXXX.
IT HAD A NUMBER I HAD KNOW USE OF SINCE XX/XX/XXXX XXXX/XXXX   XXXX. THE AWARD LETTER I HOLD NOW XX/XX/XXXX.
IT NOW IS AT A EDD APPEAL.  MAILED XX/XX/XXXX I RECEIVED XX/XX/XXXX. A 27 PAGE APPEAL WAS FAXED ON THE XX/XX/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 2019-01-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Attn Consumer Fraud Dept. 
RE : XXXX XXXX # XXXX  I am writing concerning my request that the accounts placed in collection, on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. I paid off a debt from XXXX XXXX XXXX. XXXX XXXX is reporting the debt as paid off on my credit. To all the credit bureaus XXXX EQ XXXX as you will see in the pages attached. 
1. I have attached the pages proving the CRAs reporting, thus there can be no instant changing of the account information.

2. Also attached is the response from XXXX ( the debt buyer ) to the CFPB who provided them my ID Theft report. That report shows the account was paid in full. 

XXXX XXXX Charged off the debt and sold the debt to XXXX XXXX. Selling this debt includes giving my name, ssn, addr, dob. to allow XXXX funding to extort money from me this is akin to ID Theft and violates FCRA FDCP statutes. 

611. Procedure in case of disputed accuracy ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as [ 15 U.S.C. 1681i ]

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: Experian Information Solutions Inc.
State: NY
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:
Credit Reporting Agencies is reporting inaccurate information on my credit report. Credit Reporting Agencies has XXXX XXXX XXXXXXXX account listed as being opened XX/XX/XXXX, when in fact i never open an account with XXXX XXXX XXXX on XX/XX/XXXX. I have presented evidence to Credit Reporting Agencies showing the XXXX XXXX XXXXXXXX account has errors, and Credit Reporting Agencies has  ignored facts presented. Credit Reporting Agencies also list XXXX XXXX XXXXXXXX as a creditor when i have presented proof from XXXX XXXX XXXXXXXX stating, XXXX XXXX  XXXX is a creditor.

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 2018-11-06
Company: Love, Beal & Nixon, P.C.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Love, Beal & Nixon were notified that the debt they are collecting for XXXX XXXX XXXX XXXX XXXX was the result of identity theft. They have been called and the identity theft report has been submitted. LBN is currently garnishing my pay and has made no effort to cease collecting or stopping the garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: TRUSTMARK CORPORATION
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Dear sir My loan applied in XXXX XXXX - XXXX ( XX/XX/XXXX ) My TWO WHEELER loan reference NO ; XXXX I closed my loan account last month XX/XX/XXXX ( principal amount also paid in online ) We need NOC

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 2018-11-06
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for an offer for an American Express XXXX Honors Ascend credit card on XX/XX/2018 because of an offer of XXXX XXXX Honors points after you spend {$2000.00} within the first three months of account opening. I contacted American Express today because I met the {$2000.00} spending in XX/XX/XXXX, I had approximately {$2500.00} of spending, but I have yet to receive my sign-up bonus points. The representative I was chatting with said it would take 6-8 weeks before I'd receive my points, but I stated I hit my spending requirements more than 10 weeks ago. His response was that my spending requirement was {$3000.00} not {$2000.00}, I quickly stated that the offer I signed up for was for {$2000.00} not {$3000.00} as he stated it said on my account. He stated I wasn't correct because in my account it showed {$3000.00} in which I asked for the terms from my date of signing up, and he said he could not provide those terms because they are " online. '' I also stated that the {$2000.00} is inline with the current offer of XXXX XXXX Honors points after spending {$2000.00} within three months offered today on their website. After further discussion he got his supervisor to take over the chat, he stated the same thing but offered to open a complaint with AE which I declined. Then after that the chat session was closed due to inactivity online because it had been over 10 minutes since I signed into my account. So, I called the 800 number for AE and spoke to XXXX ID # XXXX, he basically stated the same thing but understood my concern. He said there was nothing he could do for me though beside opening a complaint. He opened a complaint, # XXXX, of which he said they may contact  me within 7-10 days. The chat ID is XXXX. 

American Express does not send applicants copies of the terms and conditions of the offers so they don't have to follow through. Nothing in my account online shows the status of reaching my sign-up bonus, so they are purposely not disclosing this information to mislead customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THIS IS ANOTHER DEBT COLLECTION FRAUD BY AWA COLLECTIONS XXXX XXXX XXXX XXXX CA XXXX XXXX AWA COLLECTIONS THIS STATEMENT IS ADDRESS FROM THIS ADDRESS DEPT XXXX XXXX XXXX XXXX CA XXXX AND THEN THE PAYMENT ADDRESS IS TO BE SENT TO XXXX XXXX XXXX PAYMENT CODE CITY XXXX CA, THIS INFORMATION IS ALSO SENT TO FTC. THEY ARE REQUIRED BY LAW TO STOP THESE FRAUDULANT COMPANIES SENDING STATEMENTS OF DEBT THAT IS NOT OWED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I want to close my PayPal account ; I no longer wish to use their service. My bank account information is part of my PayPal account details ; the bank account number can not be deleted from my PayPal account details. I wish to close my PayPal account to ensure my bank information is not vulnerable to hacking or other fraud or scam. 

PayPals User Agreement indicates I may close my account at any time. However, when I attempted to close my account myself, the system returned an error message telling me to contact customer support. 

Ive tried to call customer support repeatedly, but there are no live agents to assist. PayPal has no monitored email accounts. The only available support is via their direct messaging system. I have messaged PayPal every day for almost 2 weeks but can not get any real assistance. The last message I received indicated that they were unable to help me and that I would not be able to close the account for 180 days. No reason was provided for this delay, so this seems to be standard business practice. That is, unilaterally deny the consumer the ability to close his/her account for 6 months. 

In addition to repeated phone calls and messaging, on XX/XX/XXXX, I wrote a snail mail letter to an address that purportedly manages PayPal disputes. However, I expect this letter to be ignored. 

By way of background information, I do not owe PayPal any money. I have no open cases. I have no pending transactions. I have no active recurring transactions established in the system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06
Company: EQUIFAX, 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:
CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt, Dated this XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Nelnet, Inc.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was contacted by " XXXX XXXX XXXX XXXX '' agency and was told that my current student load was with a 3rd party lender and if I changed to them it would be a direct payment and I would save money and be paid off sooner. This was my understanding of the events and I called to XXXX  today to get further information and was told that " XXXX XXXX XXXX XXXX '' business was the 3rd party and I could be paying them for years and none of my payments would be going towards my student load debt if I don't meet the qualifications for loan forgiveness. I am told that my money is instead to pay this 3rd party to shuffle papers and collect my money for it and none of my money is going towards my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
For no reason, Capital One restricted/ closed my account without any notice or reason why. I've been a loyal customer for many years always paying my account on time and keeping a low balance. I've never disputed and issues on my card so I don't understand why they could say my card is possible fraud. That is not true. I am the owner of this account and I have for many years. I pride myself on my good credit and payment history. They also requested that supply IDs and social security cards for my authorized users. I don't understand why, I'm paying the bill monthly, most of the time in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-05
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order FCO to make recompense and pay redress and compensation for their trespass against me. FCO has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 18. Invasion of Individual and Family Privacy

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 2018-11-06
Company: Happy Money, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have tried several times in the past 90 days to apply online at Payoff.com for an installment loan. Their system has experienced glitches not allowing me to fairly apply for a loan. Most recently the system has declined me stating that I was denied based upon a credit report from XX/XX/2018, which my credit has significantly improved since XX/XX/2018. I've attempted to reach out to Payoff to correct this and have received no responses most recently in XX/XX/2018. This glitch does not allow customers to properly apply as they legally are allowed to. The company has failed to address the issues and put measures in place to insure their process is fair and complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Credit Management Services, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Management is using my personal info & deciding that I am responsible for the bills attached. 
1. I have not been to the facility mentioned in the letters for myself or another.

2. I am not the party who signed an agreement with said facility to pay these bills.

3. I am not the individual the faculty billed.

4. I feel this attempt to collect a debt is misuse of my personal information & identity theft. 
5. Credit Management is trying collect multiple times for the same debt.

6. Also again the agreement to pay this debt was an agreement between the faculty & another individual, not myself. 

Account No. XXXX debt id XXXX, XXXX debt id XXXX, XXXX debt id XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Manhattan Beach Venture, LLC
State: SC
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:
Applied for a loan in XXXX, received a credit report stating I had three months of pass due payments for about {$360.00} for XXXX, XXXX, XXXX on my credit report. I made a call to XXXX XXXX about the information. They told me I didn't do my recertify paper work. I told them I didn't received anything in my inbox, or mail. They said it was my fault, and they can't change the information. I put in a complaint to the credit bureau, and they maid contact, and was given information stating that XXXX XXXX disagree with my complaint. I just recent applied for a mortgage and it is still on my report.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-06
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2018, i checked my account and noticed an unauthorized pending charge for {$19.00} from XXXX. I contacted the vendor corporate office and spoke with the financial service department. They ran my debit card number through their system, and they did not locate an account using my debit card. I have never used XXXX  's services, because they are free. I contacted Navy Federal, and was told i can not dispute the charge because its still pending. Well that pending fraudulent charge caused more issues. The money it deducted from was my car note, in the amount of {$580.00}. Because they can not reverse the pending fraudulent charge, they returned my car payment stating " insufficient funds '', but ALL of the money was available until my account was fraudulently used. NFCU then states that I will be assessed a {$29.00} fee as a result. This bank is more susceptible to fraud than any other bank. This is the SECOND time my account has been compromised and the SECOND debit card. This is absurdity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation