BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2018 I received a message from auto dealer that my Equifax was locked and I needed to contact Equifax to have it unlocked. This was a result of my applying for credit to purchase a new car. I searched for Equifax online and attempted to log in to my account. I discovered that I had forgotten my password so I followed the instructions to request a new password. That requested was not accepted and I was instructed to call Equifax for assistance. I did call and the person I spoke with told me that she had no record of me ever having an account. I assured her that I have had an Equifax record for may years. After an exhaustive conversation and extensive verification questions she told me that she was sending me a temporary password. She did send the password while I was online with her and I told her that it was rejected. I asked if she could send a second temp password. She abruptly said she was transferring me to someone that could help with my password. She did transfer me and the new person started from scratch asking me even more verification questions. By this time I was getting frustrated because no one seemed to understand why I was calling in the first place. I asked to speak with their supervisor. A third person came on the line and started asking me the same questions.Name, birthdate, SSN, etc. She then started asking me about past accounts that I had already answered with the previous two agents. She first told me there was no freeze on my account then went on to say that I had no account. I told her about the previous agent sending me a temp password. She then told me that she was going to put me on hold and asked for assistance. At this point I was very upset. I told the agent to just forget it and I would contact the XXXX XXXX XXXX. 

Being concerned about the safety of my credit report, I went online to Annual Credit Report.com and was able to access my Equifax report. I advised the auto dealership of what had happened. 

I am concerned about the safety of my credit history with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have a old child support case on my credit report from over 10 years ago and it keeps on updating wrong information about this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX made arrangements to pay a past due amount on XX/XX/18, payment was deducted on XX/XX/XXXX. Called Chase and same day and was promised that it would be reviewed and supervisor to call back and if it was identified that error occurred over draft amount would be reimbursed. Followed up again a week later no call, followed up for last time XXXX still no resolution, call was not even pulled for review. Promised again resolution in 3-5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Toyota was nice too give me deffered payment back in XXXX too XXXX I recently made 2 payment on my car loan I asked for lower interest and  deffered payment was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 XXXX and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ]

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 2018-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 is a fraudulent item reporting on my credit report that XXXX XXXX/ XXXX XXXX  to delete and im not sure if the bureaus or refusing or XXXX XXXX/ XXXX XXXX informed them yet but its been over a week.

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 2018-11-02
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I closed the account and recently found out they are sending statements to an OLD Address that was never on file. I closed the account ending in # XXXX which was also referenced in a past complaint with the CFPB. I just want the account closed as implied.

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 2018-11-02
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Paypal is holding payments, and restricting available balance for up to 7 days after payment. They cited large payment paid in order to make it so that a available credit can not be used even though it has been taken from my checking account, and applied to the card balance. I believe this to be an unfair and discriminatory practice, especially because all my other payments have reflected in my available balance in 24-48 hours.

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 2018-11-02
Company: SLM CORPORATION
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have ad repeated issues with the collection practices of XXXX XXXX from the moment I graduated from university. On XX/XX/XXXX, XXXX XXXX contacted my sister looking for me and she is not authorized on my account nor does she have a phone number listed on the account to by contacted. I called and made sure there was no phone numbers associated with my account that didnt need to bling there. XXXX XXXX representatives straight out refused to let me know where they got the numbers for my family from. At the time, my loan was less than 60 days past due at the time and I had been making payments every single month. 

This morning, XX/XX/2018, XXXX XXXX representatives called me at XXXX which is not within the scope of the law.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
EffectiveXX/XX/XXXX we switched from XXXX XXXX  to XXXX XXXX  XXXX for our home owners insurance coverage. Wells Fargo, continued to knowingly put into our escrow account the same amount allocated for XXXX XXXX  ( {$760.00} ) instead of for the new amount for XXXX ( {$1700.00} ). They also fromXX/XX/XXXX  - XX/XX/XXXXonly put into our escrow account 6 months worth of property taxes ( {$1400.00} ) instead of the whole year 's taxes ( {$2800.00} ). So we just received a notice on XX/XX/XXXXfrom Wells Fargo stating that our escrow account is {$3000.00} short and if we pay the amount in full our mortgage payment will increase from $ XXXX/month to XXXX XXXX/month or our other option is to pay the shortage over 12 months and then our mortgage payment will increase to $ XXXX/month. I called Wells Fargo to ask them why we have a {$3000.00} shortage in our escrow account. Their explanation to me was that our property taxes and home owner 's insurance increased. I then called our home owners insurance agent and met with him in his office and I called Wells Fargo with the insurance agent present and after an hour and a half of talking with 2 different customer service agents, the customer service agent admitted that Wells Fargo knowingly continued to allow for the XXXX XXXX insurance amount even after we had switched our policy over to XXXX and now they are requiring us to make up the difference all at once now starting XX/XX/XXXXand that they only allowed for 6 months worth of property taxes instead of the entire year 's amount, which is why they are trying to convince us that our property taxes and home owners insurance has significantly increased. They are also telling us that they now require a minimum balance of {$760.00} in our escrow account at all times for which they did not notify us or disclose to us. Our insurance agent told them that this is not right to to do that to their clients and the service agent agreed with him that it is not right for Wells Fargo to do this. This is the 3rd notice in 3 years since our Mortgage was bought by Wells Fargo that states we are short in our escrow account and that our mortgage payment is increasing. Every year our mortgage payment is increasing.

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 2018-10-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I pulled a copy of my credit report on XX/XX/2018. Upon Review of my report, I saw that equifax is reporting a collection account listed as XXXX XXXX XXXX, account # XXXX, in the amount of XXXX that I do not owe. I sent a letter to Equifax on XX/XX/2018 stating this this is being reported in error and ask for validation of this account. I received a letter copy of my updated report and it stated that the account was verified and reported accurately. I sent another letter to them, once again disputing this account on XX/XX/2018 asking for this account to be validated and to send me written proof, a signed document, contract or the name, number date of who they spoke to so that i call myself and dispute this directly with the collection agency. I received the same response, a letter stating that the account was verified and no proof of anything. I sent another letter XX/XX/XXXX and I received the same response. No proof, just a letter that stated as verified accurate. 
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that theyverified that these items are being reported correctly? I have the legal under the FCRA to know who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: First Data Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I became aware that several credit and checking accounts were opened in my name without my approval, consent or knowledge. From 2016 until present I have not applied for or opened any new checking or savings accounts whatsover with any bank. I bank with XXXX XXXX XXXX which I opened in person in New York. Every other bank account and inquiry on my XXXX and XXXX XXXX XXXX report is a result of fraud. I did not even live at the addresses that were given to XXXX or XXXX XXXX XXXX. I am attaching a copy of my photo ID, birth certificate and my current lease showing where I actually lived during this time of identity theft. The only account that is actually mine is with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Miller, Stark, Klein and Associates
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I was receiving harrassing recorded voicemails on our business line ( where we have other employees answering and checking messages daily, but not any on my personal cell that I recall. On XX/XX/18 was the last day to date I received a normal voicemail on my cellphone ( XXXX XXXX is carrier ). I received a few missed calls from my sales accounts but no voicemail was left. Only when an account/friend of mine texted me alerting me that my voicemail was rerouting/forwarding to a collection agency in North Carolina. I called my cellphone number from our office line and expected it to go to my outgoing vm message for work, but instead it also went to this company : XXXX XXXX XXXX I spoke with the customer service person who answered and asked why my personal cell number without any authorization from me to do so, was forwarding to their business? He asked " Is this XXXX XXXX? '' which alarmed me since I called from our business number but did answer " yes this is she ''. He then asked if my social was : XXXX which it was, but I was very alarmed he had my personal info so I said that was incorrect and how did they acquire any personal info from me and what was this regarding. He noted an amount of a debt ( but could not disclose the creditor ) of around {$750.00} but they were willing to settle for {$500.00}. I felt this was a scam or identity theft/fraud so I took down their contact info and I asked him to let me speak to a manager but he hung up on me. 
Made several attempts to speak with someone and find out how/why they had my voicemail routing ( which was affecting my business as a salesperson who relies on accounts to call and leave orders on voicemail. 

I filed an online complaint with the FBI and the FTC. I then changed my phone number with XXXX XXXX online, after updating and order new businesscards with new number, sending out updated info to all of my friends, family and colleagues. My new number has now also been hacked and now my voicemail message is now routing to this same debt collection business. 

I want to know how to pursue legal action against this company for id theft, fraud, and any other criminal activity a legal pursuit may turn up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ]

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 2019-02-18
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On the Months of XX/XX/2019 to the Day of XX/XX/XXXX I have received Email Transfer Message to be Applied to me for Payment Transaction to my Account. I applied PayPal Request Arrangements for All The Request for Payment Transaction .The PayPal Account is A XXXX XXXX Account The Is Connected To my XXXX XXXX XXXX XXXX Account which is Connected To my XXXX XXXX XXXX XXXX XXXX Account. The PayPal Request Arrangements was made by me for Request payment Arrangement.I do have the Information listed at this time. With Email Addresses and Money Amount's.1 from XXXX XX/XX/XXXX at XXXX XXXX   sent to my email address of XXXX for the amount transferred to my account for {$5800.00} PayPal Transaction I Don't U-sayXXXX .2 From XXXX on XX/XX/XXXXat XXXX XXXX PayPal Transaction I Don't U-2 XXXX. For that Amount of {$7400.00} to my email address of XXXX. XX/XX/XXXX from XXXX Transaction I XXXX XXXX for the Amount of {$2500.00} to my email address of XXXX 4 .On XX/XX/XXXX Request Payment for {$2000.00} to my PayPal account on XX/XX/XXXX from and to XXXX Transaction I D. XXXX. The Email from XXXX was from XX/XX/XXXX for being A Beneficiary of Her Estate Arrangement to Take The Amount of {>= $1,000,000} to my Email address of XXXX. 
5 XX/XX/XXXX from email address of XXXX for Payment Transaction to me for the Amount of {$1700.00} E-ticket # XXXX PayPal Transaction I D. XXXX Request Payment Transaction to my PayPal account and from my Email address of XXXX 6 XX/XX/XXXX from  XXXX for Several Transaction Amounts to my PayPal account I D # XXXX Transaction I D XXXX this is One Amount Request for {$3300.00} to my PayPal account sent to my Email address of XXXX XXXX : : PayPal Spoof @ paypal Customer Service has All Request Payment Transaction To me and my PayPal account Under investigation by XXXX XXXX This is A XXXX XXXX  Account under my Email address that is Registered on XXXX and XXXX XXXX. Please be Advised that I Also am A Member of XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 
I have Alerts on My Social Security Number, Birthday Birth certificate and Ohio State Identification Number. Along with Multiple Addresses that are listed and Not Listed. Please check Credit Report and Any Credit Request Filed Under my Name and Sociak Security Number. Birthday. I also have One Son that has The Same Name but Different Birthday. Please file my Complaint I filed Thank You. 

They have a link to my account and it is frozen. I can not receive or load the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have sent multiple complaints about this false account on my credit report from XXXX XXXX. I have requested proof of this account and I am told by the company that they can not provide any proof to me because it was done online, HOWEVER, they can see the application and dates and receipts. All of that information and I can not get proof. Also, he states that the account was sold to XXXX XXXX and I have not received a contact for the exact company they sold it to, since XXXX XXXX has multiple locations.

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 2018-02-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had chase for the entire time I was in the Military, I got XXXX XXXX from XXXX on XX/XX/XXXX After that I started having a lot of issues with my bank CHASE, I was charged fees with no explanation. My card was even cloned once and I had to file a dispute for the transaction. To make the story short. Months after that. Around XX/XX/XXXX. I tried making a purchase, and all of my 3 accounts that I had with chase where CLOSED! They gave me no explanation they only said that, they no longer wanted to keep business relations with me. At that point my VA pension was link to that card, I ended up losing so much and almost getting evicted because those accounts were frozen so the VA couldnt change my direct deposit because it was already After the cut off mid month. Truly lives a nightmare.

Company response to consumer: Closed with explanation