BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-19
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:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will call my lawyer and file a lawsuit ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Universal Account Servicing, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been receiving threatening phone calls regarding a loan for educational services through the " XXXX XXXX XXXX '' As you can see below the company has an outstanding injunction against it and should attempt any collection until it has been resolved. I spoke directly to " Universal Account Servicing '' @ XXXX and informed them of the injunction and told them I do not have any issue making payment on the condition the issue in the injunction has been resolved. SEE DETAILS BELOW. 

IN REGARDS TO - FTC Obtains Preliminary Injunction Against Investor Training Scheme XXXX XXXX XXXX XXXX is temporarily barred from imposing late fees or additional interest if consumers withhold payment on loans XXXX made to customers, prior to XX/XX/2020to finance purchases from the company. XXXX is also prohibited from using collections agencies to collect on the loans, and from selling the debt to others or reporting consumers to credit bureaus for non-payment of the loans. 

https : XXXX XXXX XXXX XXXX  PLEASE CONTACT " Universal Account Servicing '' @ XXXX inform them that they are prohibited to collect on loans per the injunction. 

thank you XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: ERC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have had repeated calls from this company after I told them I disputed the debt through the original company as well as them. They continue to call without verifying first which violates the fair debt collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
After total loss accident Hyundai Financial asked {$11000.00} to release the title to insurance co. Insurance Co valued the car XXXX after {$1000.00} dedactible and paying {$11000.00} to Hyundai financial mail the balance to me. After Hyundai Financial released the title sent me {$1000.00} bill as a dedactible payment.

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 2017-10-16
Company: BARCLAYS BANK DELAWARE
State: GA
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 opened my credit card account in XX/XX/XXXX with XXXX XXXX  XXXX aka XXXX XXXX XXXX, XXXX. The current promotion at that time was sign up for a credit and receive XXXX XXXX miles to use at a later date. When I received my welcoming information regarding this credit card additional details stated that there was an annual {$69.00} fee as well as an introductory APR of 0 % for one year. I was not interested in the annual fee and called customer service on XX/XX/XXXX with Rep XXXX ID XXXX to see what options I had. Per the representative XXXX, I could downgrade to a no annual fee card and still receive the promotional offers from the card I applied for. The only change was that I will not accrue miles at the same rate. I arrived home today to find a statement. Because I bank online I rarely ever open my statements. This time I was curious and opened the statement. I first realized that I was being charged APR which is not what I signed up for. So I called customer service and spoke with Rep XXXX who explained to me that the 0 % APR introductory offer was only for balances transferred to this account for 15 months. I was beyond appalled with this new information that I further asked about the XXXX miles with XXXX XXXX. I was now updated again, against what I signed up for, that my miles were taken from me when the account was changed to a non-annual fee card. I have filed a complaint with customer service under Case XXXX with manager XXXX Rep ID XXXX. I will continue to follow the updates of this case. I will be paying this card off and no longer using it because of misrepresentation of the promotional offers. Please look further into this concern.

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 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. Not sure who's they are as they don't belong to me. Please remove them from my credit.

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 2021-12-10
Company: Experian Information Solutions Inc.
State: TN
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 would like for the fraudulent accounts to be removed from my credit report

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 2021-02-20
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX - A purchase of {$380.00} was made on my Apple Credit Card ( Goldman Sachs ) was made at XXXX at XXXX XXXX  XX/XX/XXXX I noticed a fraudulent charge of {$380.00} and immediately contacted Apple ( Goldman Sachs ) customer service at XXXX XXXX. I informed them that I've never made any purchases to this merchant. The full amount was credited back to my account and my credit card replaced. 
XX/XX/XXXX - Two new charges appear on my credit card, one of {$140.00} and another of {$230.00} totaling {$380.00} equal to original amount. I immediately contacted Apple credit card to dispute the charges one more time with XXXX. The amount was returned and a fraud investigation was underway. 
XX/XX/XXXX - I received an email with the transaction dispute resolved in favor of the merchant. The email states that sufficient evidence was provided by the merchant that Ive made the purchase. I called Apple credit card customer service once again to only dispute the transaction of {$140.00} and to request the documents of the results of the investigation. The Apple card specialist named XXXX at Goldman Sachs informed me that the documents would arrive in 1-3 business days. The documents never arrived after said time. The amount of {$230.00} remained credited and a temporary credit of {$140.00} was returned to my credit card. 
XX/XX/XXXX - The dispute made back in XX/XX/XXXX was again resolved in favor of the merchant for the same reasons stated above. The fraudulent amount of {$140.00} was charged back to my credit card and I received an email stating the same outcome. I contacted Apple Credit Card again to dispute the same amount of {$140.00} of part of the fraudulent purchase made at XXXX back in XX/XX/XXXX. I spoke to a fraud specialist again who repeated the same steps above and suggested to dispute the charge again with an unknown outcome. I requested the documents of the dispute and the specialist said that I will receive them in 1-3 business days. I told the specialist to leave the charge this time, and now, I'm filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: TrueAccord Corp.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reached out to XXXX XXXX after the company waited 2 years and added an account on my credit during Covid 19 that was already resolved and removed through Consumer Affairs 2 years ago. I reached out to XXXX  CERTIFIED MAIL. My certified mail letter to XXXX included proof and documentation from Consumer AFFAIRS to advise the collection agency that they had violated by adding an already resolved and removed dispute onto my credit reports. Since XXXX had violated and I had sent XXXX proof showing their illegal tactics of their violations of illegally reporting the account to the credit bureaus, XXXX still failed to respond back to my CERTIFIED mail sent to them. XXXX failing to respond, XXXX then illegally sold the exact same account to TRUE ACCORD. I did not receive any letter or notice from True Accord that they were collecting on this previously removed account that was illegally re-added back by XXXX. Instead of notifying me, True Accord began illegally emailing me requesting payments for the exact same account in XX/XX/XXXX through XX/XX/XXXX. This is illegal. I have never provided True Accord with my email. I have never consented to True Accord or spoken to them advising them to contact me via email. By law, XXXX, can not fail to contact me at all, to then illegally add an account to my credit reports during Covid, to then sell the exact same account after receipt of my certified dispute. This type of illegal collection tactics need to stop. True Accord then followed the same illegal tactics by failing to contact me in writing. Instead, True Accord just started sending excessive emails requesting payments on the exact same account. Why are these companies mocking the FDCPA and FTC laws? Why do these companies feel that they can go unnoticed and violate even more during COVID? I have also filed a complaint with the Federal Trade Commission as well. FTC File # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: Square Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Earlier today XX/XX/2019 l received several transactions through Cash App that went through ok. All of a sudden when one of my customers was trying to pay me the transaction was declined. Then the app shut down and l am no longer able to accept additional funds, and the funds that have been deposited into my account I am unable to retrieve. This is the second time that l have had a problem with this App within the last month. And this time my funds are frozen within the App and there is know one to call or speak to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Experian Information Solutions 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:
Please confirm the information shown in these collection accounts. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. These accounts were already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the Experian Credit Bureau is legally allowed to report these on my credit report. If unable to, remove the accounts immediately. 

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 non-monetary relief
Consumer complaint received 2020-10-07
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a Savings & Checking account with SunTrust bank on-line on XX/XX/2020. By ACH transfer, I deposited {$500.00} to the Checking Account to exceed the minimum balance necessary to avoid fees. I made another ACH transfer to Checking subsequently which remains in transit. 

At some point, on, before or after XX/XX/2020, SunTrust bank restricted my on-line access to the account. 

In speaking to a customer-service representative on XX/XX/2020, and later to a supervisor, I was informed that SunTrust bank closed my account for " general reasons. '' Upon my request for a specific reason, no answer was forthcoming. 

Upon requesting the return of my funds, I was informed by the SunTrust supervisor that he is unable to give me any estimate of when the return of my funds would occur.

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 2020-04-22
Company: Paypal Holdings, Inc
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had trouble with PayPal. Shortly before XX/XX/XXXX, they shut down my account and said I had violated their user agreement. Those messages are no longer visible to me in my account page, though they say they save messages for 90 days, and it did occur less than 90 days ago. When I asked what had happened, they said they could not tell me. Then, on XX/XX/XXXX they said they resolved the issue and reopened my account. However, I still could not link my credit card to their wallet. I again asked what the problem was, and they said they could not tell me. Finally, on XX/XX/XXXX, I got a live person to get the credit card signed up. I asked what the problem was, but again they said they could not tell me. I asked if this would affect my credit rating and they said it would not. My complaint is on their lack of transparency. If I had not pursued it, they sijmply would have dropped me with no explanation. I think that is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my existing mortgage from XXXX XXXX XXXX, serviced by LoanCare, to another company, XXXX. In this process, I have a remaining balance in my escrow account of {$800.00} that has not yet been returned. The loan funded on XX/XX/19. I obtained the loan payoff agreement from LoanCare which explicitly states " A refund of any remaining money will be sent to your address of record within 10 business days '' ; however, this time has since passed. Upon calling LoanCare, the representative advised the policy is 20 business days and that this is according to their policy despite what was sent to me as the loan payoff agreement. She then placed me on hold and returned to the line before advising the policy is actually 15 calendar days. I explained once more that a written agreement can not be verbally modified after the fact and also noted that even 15 days have passed since this period. She then transferred me to XXXXXXXX   ' in the escalation team who then reverted back to the 20 business days and when asked why it takes so long to return my money considering they received a wire from the title, he could not answer. Further, when advised of the written agreement from the loan payoff, he could not answer their either. When asked when they intend to send the money, they stated it would be the XX/XX/19 at the earliest. This is contrary to their documented time frame and unjustly holds onto money they are not entitled to and unjustly enriches them with them opportunity to earn interest on funds they are delaying in returning to the customer.

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 2019-12-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
yesterday XX/XX/19 i saw an add on XXXX XXXX for a onewheel skateboard that had been posted. the seller and i agreed on purchase price with shipping but said he needed to use XXXX to process payment. He called from number XXXX, had me also use a number or XXXX and also when searching these numbers to make a police report and figure out where to call XXXX mentioned outside US contact numbers similar to one i got today XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the XXXX email was XXXX the bank states they are responsible due to " laws/acts '' " whatever '' I am floored beyond belief and not in a place of course like everyone to be scammed out money. Please advise. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: GVA Holdings, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was approved for a loan with 499 % APR. The unfortunate thing is that I am the spouse of an XXXX XXXXXXXX military member. I only recently learned about the Military Lending Act ( MLA ) that caps apr at 36 %. I only found this out by accident because there was an issue with the company stopping my auto-pay ( without my consent ) and then charging me a late fee. I have been paying this loan for a few months now on my pay day as well as an additional lump some I paid early on. I went down a rabbit hole and found out about the MLA. I reached out to the company and told them about the issue. I asked for a copy of the application because I did not remember there being a place where I could check being the spouse of someone that is active-duty, but they refused to send me a copy of the application. At their request, I sent in documents verifying that I a spouse of an XXXX XXXX XXXX member. They have given me the run around and stated that the MLA doesn't protect spouses, only the members themselves. I told them this was incorrect and I did not want to be part of an issue. They further gave me the runaround and said they would " get back to me ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: NC
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 have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent  accounts be deleted and blocked from my credit file.

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 2020-10-07
Company: EQUIFAX, INC.
State: NC
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 have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter about a debt I have no idea what /where/when this debt accord because I don't even have a computer or anything that would caused that much to repair, none the least even know who these people are.

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 2022-04-28
Company: Paypal Holdings, Inc
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I made an online payment using PayPal to a company who turned out to be a scam. I made a case with PayPal who then resolved the case in my favor. Due to me also initiating a case with XXXX because of PayPals business hours PayPal debited my PayPal account {$88.00} quoting a double refund. 

When I found out that PayPal has resolved the case, I cancelled the charge back with XXXX. Therefore, XXXX reverted the secondary refund that PayPal was referencing. I reach out to PayPal and they tell me to reach out to XXXX. However, on XXXX  end it shows the refund that PayPal submitted and the reversal of the refund that XXXX had initially provided prior to the case being closed. 

Paypal debited my PayPal account and is quoting a secondary refund that was reversed. Making it to where I am still - {$88.00} on a case that they claim to have resolved to my favor.

Company response to consumer: Closed with monetary relief