BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax Information Services , LLC XXXX. XXXX XXXX XXXX, GA XXXX ATTN : Legal Department File No. XXXX I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within five ( 5 ) days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within five ( 5 ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : {$0.00} This ACCT. has been transferred/sold and a duplicate listed multiple times please delete inaccurate. 
2. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : {$120000.00}. This ACCT. has been transferred/sold and a duplicate listed multiple times please delete inaccurate. 
3. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : {$820.00}. This ACCT. has been transferred/sold and a duplicate listed multiple times please delete inaccurate. 
4. ACCT. NAME : XXXX XXXX XXXX ( XXXX ) ACCT. BAL : {$81000.00}. This ACCT. has been transferred/sold and a duplicate listed multiple times please delete inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am not even 30 days late on my payment and Tower Loan called and left me a message was at work so I could n't get the call so Tower Loan XXXX XXXX Ms called my reference and told them that they were calling from Tower Loan and for me to return their call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The Law is the Law! Statue of Limitations law and laws for violating peoples rights are listed below. 

MGL Chapter 265 Section 37 MGL Chapter 260 Section 2. Actions of contract, other than those to recover for personal injuries, founded upon contracts or liabilities, express or implied, except actions limited by section one or actions upon judgments or decrees of courts of record of the United States or of this or of any other state of the United States, shall, except as otherwise provided, be commenced only within six years next after the cause of action accrues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: ONLINE Information Services, Inc.
State: FL
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:
Online Information Services placed a collections on my XXXX, XXXX and XXXX credit report. They say that I owe someone for a medical bill. I did have a XXXX that left me XXXX but and I paid all of my co pays and deductibles. I was n't aware that I owed any medical bills so I called them and aske that they send me the information to verify the account. The representative told me that they are not a billing agency and they are not required to send me anything. I was ill and was n't aware that they had reported this on my credit. I only recently got the free credit report and found this account on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-22
Company: CNG FINANCIAL CORPORATION
State: LA
Product: Payday loan
Issue: Can't contact lender

Complaint:
Submitted paperwork stating not to contact me more than twice a week ( violated ), not to contact any family, friends or references ( violated ), not to contact me at work or contact my work ( so far not violated ). When she contacted my sister, I called and she tried to lie and state that there was no cease and desist. I told her to go reread that letter. She wanted to know if I would be in that day, last Friday, and I said no my husband has not worked but a couple of days in the last couple of weeks but I would be pay something in two weeks. She hung up on me before all information was given. However, I called back and she refused to answer the phone but I left a message stating this information on a payment in two weeks and letting her know she had rudely hung up on me. She called this morning leaving a message again wanting me to pay immediately and contact her. First, I am not going to talk to this rude lady again and I already told her two weeks from last Friday. I 'm tired of her breaking the law. She calls multiple times every week. Sent paperwork by Certified mail tracking number XXXX received XXXX/XXXX/16.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: Viking Client Services
State: NY
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from a Company named Viking ( see attachment # XXXX ) claiming I owe them {$400.00} for damages I would have incurred when renting a car with XXXX in XX/XX/2016. As it can be seen in the receipt from XXXX, I returned the car with no damages noted XXXX see attachment # XXXX ). Between XX/XX/XXXX, date of the return, and the letter from XXXX, XX/XX/XXXX there was no correspondence from XXXX mentioning damages or any other problem with my rental. Besides, the letter does not provide any detail on the damages caused, nor how the determination was made I was responsible, despite the fact XXXX did not notice any problem when I returned the car.

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 2015-08-27
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
In XX/XX/XXXX me and my family received news that the home we were living is going to be sold and were forced to move out. 

I then applied for a townhouse to rent and after conducting a credit check the property management company indicated to me that I needed to reach out to " XXXX XXXX '', aka " Rent Collect Debt Global '' and get a payment arrangement letter before i was approved to move in for a past due bill. 

I then proceeded to call this Collection Agency who in turn agreed to work out a payment arrangement but then refused to provide me with a letter outlining the agreement because they new i was trying to get a home for my family of XXXX that included a XXXX child. I asked why, and XXXX informed me because it 's not apart of their policy? I then in turn asked what a settlement option would be, and they give me a figure of about XXXX and agreed to email it to me which they did with a due date for that day? I do n't understand why they 're allowed to email a Settlement letter but not a PPA letter? Nevertheless i forwarded this to the property management company per their request and informed them that the collection agency refused to provide me a PPA letter but did agree to a settlement letter? He informed me that this was very odd but would look at the settlement letter. 

The next day i followed up with the property management company and he informed me i was denied because they called this collection agency and spoke with XXXX who informed them i was n't making any payments, and the account was still outstanding? This is a clear third party violation that has had a devastating effect on my life. 

My family and I are essentially in the streets living house to house with friends and family. I 've contacted our Colorado XXXX XXXX and they 're looking into helping me and my family but nothing has come about yet. My XXXX kids also just started school and the XXXX stress, coupled with the financial burden this has put on our family is unfathomable. We have to sleep at XXXX separates houses every week which has put a burden on people who do n't deserve it. 

I get that i owe a Debt, but conveying personal details, and denying me an opportunity to receive a written agreement about my debt is very unprofessional and wrong. The only reason why they did this is because they knew i needed it to get a place to live. They 're holding it over my head, and using it as leverage to exploit the fact that i cant get a place or move on in life without it. I feel I 've been treated un fairly, i mean in all honesty i think it 's far fetched that they 've never given anyone a payment letter before

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: Security Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Security Credit Services/ Acct # XXXX is reporting on my credit profile with a balance of {$80000.00}. This account was transferred from XXXX XXXX XXXX. This account should not be reporting on my personal credit profile. This is ridiculous! I have demanded to see proof as to why this would report on my credit and have yet to receive documentation. Research and correct this information immediately or delete this account off my credit profile!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Paypal Holdings, Inc
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Paypal restricted my accts after i provided initial documents. Their now infringing on my privacy I 'm a XXXX and I use Paypal for my XXXX. Recently, XXXX decided to send payment via Paypal. Paypal restricted my account and I asked for me to provide documents to support this transaction. They requested, " Invoices, contracts, description of services, & tracking numbers " I provided all documents, accept a tracking number. I called and provide the representative in the merchant department an explanation with regards to not having a tracking number. I 'm a XXXX, I XXXX, therefore there is NO product to be delivered. The agent complied with me, I was told that a note would be made on my account and to expect a resolution within 24-48 hours. 
The documents were sent in on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX far past the time as stated on Paypal 's resolve time line, I was sent a email. In this email response I was told : " We have reviewed your account and unfortunately can not lift the limitation at this time. " Paypal now wants me to provide the following : * six months bank statements * contract copy of the Asset Purchase Agreement dated XXXX/XXXX/XXXX In the initial contract that I provide Paypal. It 's a contract between myself XXXX XXXX & XXXX. It states that " buyer shall pay to XXXX a XXXX % fee based upon all funds received from banks or other sources for the financing of the transaction ''. 

I do not get paid until my job is completed and the client is satisfied. 

Paypal is infringing on my privacy, their asking me " For copies of my contract between myself and my client, " Asking for Purchase Agreements between myself, the financing bank and the client that exist OUTSIDE of this disputed transaction " " asking for my additional bank accounts that have no connection with my paypal account. 

My clients have been forced to pay higher rates to process payments to me. 


This is an infringement on my privacy. These are predatory practices and they should be put to an end immediately. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Paypal Holdings, Inc
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
A PayPal credit account was opened in my name ( tied to my existing PayPal account ) without my knowledge. I have not used the account and have been charged an annual fee with now late fees added. Attempts to close the account have been met exclusively with responses attempting to collect said fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-09
Company: Paypal Holdings, Inc
State: ID
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I purchased a ring through ebay and used paypal to send the money. I received the ring and saw right away it was not the same ring that was described. I contacted the seller who denied the allegations then said I could send it back if I paid for shipping. I refused to pay for shipping since I got lied to then the seller rescinded the offer to return the ring and basically told me to go take a hike. I escalated it through pay pal and then 1 hour later paypal without even contacting me or doing any investigation nor allowing me to upload documentation closed the case. I tried dealing with them and I just got the same impossible auto bot reply telling me to upload my documentation. Despite there being no way to do that and no way to contact a real person. I googled my issue online and found that this is a huge issue with paypal closing cases and doing no investigation and telling people to uploads documents to a non existent place online. Then basically doing nothing and giving fraudsters online free money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: Paypal Holdings, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My debt was paid by XXXX banks/XXXX and XXXX. PayPal continues to lock my account and it is restricted in order to collect this debt again. I was told by XXXX bank that they communicated with PayPal regarding this transaction. PayPal refuses to acknowledge any payments or communication from XXXX bank. Now both are refusing to give me any paper work to backup their accusations. I have disputed information from PayPal that is incorrect into records. PayPal refuses to correct anything other than change my old phone to my new number. This item was paid to PayPal twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: ERC
State: CA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Delinquent account

Complaint:
I transferred a balance to Chase Slate in the amount of {$1000.00} and chose to enroll in autopay from there website. After receiving confirmation that the auto pay was accepted i then found out that, due to data entry on the credit card company 's, part they did not accept my bank account number. They called me and told me there was a problem with the auto pay and my bank account was not accepted. They then told me to go back online and reconfirm that the data was correct. After i confirmed that my information was correct and paid the minimum amount due, the next month i received a statement telling me that only the minimum amount was due in the amount of {$30.00}. I then, at the same month and time frame received a recorded phone call from the company telling me i am delinquent on my account. When i called to inquire about the situation they told me again that my bank account was not accepted, that i was over the limit and also three months behind on my payments. 

I once again whet online to only confirm once again that my information was correct. I aslo confirmed that they discontinued my card and reported me for late payment to the three major credit report agencies. 

Also, after i paid the late amount and total amount due that was behind, the next day i was informed by the auto phone with the company that i was still late. When i asked and inquired if they reported me for no fault of my own, the response was they were having problems with there computer system. 

I would like to report three accounts of fraud : 1. Sending a false or inaccurate monthly statement that stated only the minimum amount was due when they then informed me that i was three months in the rears. 
2. Reporting me to the credit report agencies for late payment when they admitted they were having problems with there computer system and the error was clearly on their part. 
3. Misuse of personnel information : my bank account number and intentional data entry error and/or gross negligence, in attempt to collect more money by falsifying the amount do with the intention to collect more money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: Paypal Holdings, Inc
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I recently set up an account on VENMO and have done a couple of small transactions between $ XXXX {$100.00}. Then two days ago, i had a payment that was being sent to me for {$2800.00}. I accepted the payment and attempted to transfer the funds, but then received an email from VENMO that said the following " Your Venmo account has been suspended due to recent activity that appears to be a violation of our User Agreement. If you would like to reactivate your account, please reply to this email with a picture of your unexpired US government issued photo identification to begin the review. '' I had no idea what the issue was, but sent a picture of my ID immediately. Then I called them and tried to find out what was going on and spoke to a CSR who informed me that they could not see any details on my account, that it had to be handled by an " account specialist '' and that they would be back in touch within 3-5 business days! I asked to speak to the account specialist, but they said they do n't have phones, and only correspond via email. I could n't believe it and pushed to speak to a mgr and after being on hold for over 30 minutes, a mgr came on the phone and said that they would expedite my request to the account specialist and would ask that they contact me. I waited all day and then at XXXX last night, received an email stating that they could not resolve the issue because " I had not sent a copy of my bank statement '' No one had told me or asked for my bank statement in their previous communique and to be honest, I do not feel comfortable sending it. I then went online and did some research and saw hundreds of complaints posted saying that VENMO kept their money and never gave it back and the amounts all ranged around {$2500.00}. They talked about the same issues i was dealing with, with no answers, no way to reach anyone that could assist and no resolution. I now suspect that what they do is " flag '' any transaction that is in that {$2500.00} range and use any excuse to hold the funds. Imagine if they are doing this to millions of people? 

If they have some kind of rule that is violated ( unbeknownst to the parties involved ), why not stop the transaction, not accept the funds and let the two parties involved know that it wo n't be going through? Instead what they do is TAKE the money, and then hold it in their accounts and not give it back to the person that paid the funds nor do they give it to the person that is owed the money. That seems highly illegal. 

I would appreciate your assistance in helping me get this resolved. Not just for me, but I believe there could be a major scam going on here, with millions of people using VENMO and it needs to be brought to light. 
thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief