BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-22
Company: Empowerment Ventures, LLC
State: FL
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
Hello my name is XXXX XXXX XXXX XXXX and i have a story about how Rushcard has affected. I have been with Rushcard since XX/XX/XXXX and for the most part i really like using the card for my checks to be direct deposited. Monday 's system glitch has really put me in a bind. First off i should have been paid Friday XX/XX/XXXX but my money still has not been available to me to this day XX/XX/XXXX. My car insurance was due this Saturday and since then it has been cancelled. I dont have any money for food or money to put gas in my car. My car payment is due in a couple days and i can not be late because i just got this car. If i do n't pay my car will be shut off and i will not be able to drive it until the note is paid. The glitch also somehow cancelled XXXX my debit cards and i have been charged XXXX dollars for replacement card to be shipped to me XXXX and i still have not received them. I have contacted customer Service several times and most of the time i was hung up on after waiting up to 3 hours on hold for a rep. When i was able to get threw some of the reps where very short and rude saying that they too have Rushcard and have not been paid either. Im a full grown man and this thing has brought me to tears. Something has to be done. I have reached out to Rushcard facebook and being told to send a inbox message which i have done and i have got no response from anybody. I have over XXXX dollars on my account and i cant even buy myself a bottle of water. Im hurt beyound hurt and im at my breaking point. I need my money XXXX XXXX and i need it now. Rushcard should be sued and shut done this ia totally unacceptable. Please help action news run my story maybe it will put some fire XXXX to make them give me my money. I will never use Rushcard again

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-14
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, XXXX XXXX, sent request for " Description of the procedures of re-investigation '' was received by Equifax on XX/XX/2022 for several accounts currently showing on my consumer report. Re-investigation by federal law are to be completed within 15 days. I do not give consent to extend this time. in addition my Full XXXX File was requested Not completing both request is a violation of my Federal Rights Also, Equifax did NOT block information under section 605B of FCRA. Equifax has my proof of Identity from previous dispute letters. Also, I gave specific information that is a result of the identity theft AND i submitted an Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-02-24
Company: CITIBANK, N.A.
State: NY
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:
Citibank failed to mail me statements in XX/XX/XXXX, XXXX and XX/XX/XXXX. Copies of their statements are not available online at their Website citi.com It is necessary to request them to receive them between 24 or 48 hours. Are they provided by Email? How do I get my statements? How this bank is allowed to refuse to make available statements to its credit card customers?

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 monetary relief
Consumer complaint received 2022-05-14
Company: Shellpoint Partners, LLC
State: TX
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:
Im having an issue with shell point mortgage they added escrow to my account despite me being 100 % totally XXXX veteran making me XXXX exempt from the taxes on my home. I have talked to the company and they have agreed to to fix my credit report from showing 2 missed payments which is killing my personal credit. XXXX did an investigation into my mortgage payments being flagged as 2 missed payments delinquent and didn't change anything despite the information being incorrect on my credit report. I have never missed a payment on my loan and asked them to fix the situation. I already spoke with the mortgage company about this now I'm looking for a quick resolution.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: ACS Education Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
ACS, a student loan lender failed to acknowledge my in school deferment and sent XXXX of my loans to collection, which put them in default. I only found out about it after applying for financial aid for the upcoming year. The FAFSA website told me to call XXXX. I called and spoke to XXXX to try to resolve the situation. XXXX told me that they are getting ready to garnish my wages. I told them that my family and I would not be able to live if they did that. I also told them that I 'm supposed to be on in school deferment, they should have never gotten the loans. At first, XXXX told me to fax them my taxes to do a voluntary repayment plan that I could afford. Than XXXX told me I needed to call ACS and tell them to do a repurchase because I was in school. I called ACS, and was told, " NO '' they were not going to do that. They did n't even want to help me. I think the representative said one sentence to me the whole time I was on the phone with her. I called XXXX and told them they would not do it and that they were not helpful at all. XXXX than told me to file an appeal and send documentation from my school showing that I was in school. I was told I would hear something within 30 days. I filed the appeal electronically through email that was given to me by a XXXX representative ( XXXX ). It has only been approximately 2 weeks since I filed the appeal. I have since then, received notification from my employer that they are garnishing my wages for this. What happened to the appeal? This is absolutely unacceptable. Why was I not able to defend myself at that hearing? What about the rights for the students? And, where is the guidance and assistance for students. I have a half a dozen other lenders that all have me on in school deferment. Everyone seems to be just passing the buck. This is outrageous. I ca n't even begin to tell you the undue hardship that my family is enduring because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Convergent Resources, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint is in regards to a collection account appearing on my credit report from XXXX XXXX. This company has no legal right to report this " collection '' account on my reports because this account is still owned and serviced by XXXX, the original servicer. I have contacted XXXX and they have confirmed to me in writing that they still own and actively service this account and that I may payments directly to them. I have no contract with XXXX XXXX and so they are violating my rights and credit reporting laws by reporting a collection in their name to my credit report. This account still remains with XXXX and was not sold to Convergent as confirmed by XXXX themselves. I have attached a transcript of my conversation with a XXXX representative with them confirming as such. 

This collection account should be deleted immediately 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 2020-06-10
Company: Jon Barry and Associates, Inc.
State: GA
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:
DBA PARAGON REVENUE GR {$1000.00} There is no contract, no valid claims ... account was settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

add it to my report. Your cooperation would be GREATLY appreciated. 

1. Identity Theft XXXX XXXX  Account Number : XXXX* This is not mine.

2. Identity Theft CAPITAL ONE Account Number : XXXX** This is not mine.

3. Identity ThefXXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX* This is not mine.

4. Identity Theft XXXX XXXX  Account Number : 5XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America sold our loan to another bank and did not tell us they where doing so. When we went to pay our mortgage we where not allowed to pay it and it became late. This also hurts our credit cause of the way credit reporting companies rate length of credit history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: AZ
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:
The account with XXXX XXXX XXXX ( XXXX XXXX has a balance of {$3300.00}. I have called, and filed disputes with experian however they have not updated the balance so it is reported correctly.

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 2021-11-19
Company: Merchants Acceptance Corp
State: ID
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:
Merchants Acceptance Corp phone : XXXX address : XXXX XXXX XXXX XXXX, XXXX, WA XXXX The last person I spoke with was " XXXX ''. They filed a lawsuit beyond the statute of limitations and won a default judgement ( I had to work on the day of court ). Long story short... they won. The problem is they are now reporting the account as open and intentionally tanking my credit score as a retaliatory measure. 

XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
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:
This Account Is Fraud This is very Stressful that I'm a victims Of identity theft I'm a Single Mother That work very Hard for someone to steal My personal Information is just wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason and i have tried reaching them to no avail.Please help me reinstate my paypal account as my hard earned money is there. my mail is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: DriveTime
State: SC
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
On XXXX/XXXX/2015 I purchased a vehicle from drivetime. I did not have a lot of credit of which there was an old XXXX bill in my credit report that was not paid due to a divorce. There was also hospital bills that I had been paying on. I did supply them with XXXX rental companies that I had rented from and never paid a late charge. At that time I needed a vehicle and I feel as if they took advantage of me. After time to reflect on the transaction the following is a huge concern. 
1- Car is only worth {$5000.00} in good condition and they sold it to me for {$9900.00}. That is in excess or 75 % increase. 
2- I did not understand that my payments would be bi-weekly. Most places you pay once per month. 
3- Drivetime added an additional {$3900.00} into my loan for other items -Drivetime powertrain protection plan @ {$2800.00} - XXXX XXXX @ {$590.00} - XXXX XXXX XXXX XXXX XXXX I was never taken through my contract line by line. I was told what the paper was, and a brief explanation, then told to sign. 
While they did explain to me what these were, I was never told they were optional. I felt as if I had to obtain to make the deal. 
The interest rate is 27.90 % which is way too high. At this rate I will have paid back {$25.00}, XXXX for a car that is only valued at $ XXXXAbove are the major items that I feel was not right. In addition I also see that due to my need of obtaining a car and being a first time buyer, they took advantage of me and charged me a ridiculous interest rate. If they would have called my previous rental companies, they would have seen a good track record. 
Because I did not have a good experience with this company and after a much thought it is more than evident I was taken advantage of. I will be returning this car to drivetime by the end of this week. I will have paid XXXX bi-weekly payments, on time, not due again until XXXX/XXXX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Capital Management Services, LP
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Capital Management is calling my cell phone and leaving messages directed to me specifically however they are looking someone else and They give a reference # and phone # to call back. I think it 's really weird and creepy how they got my name and cell phone number. Furthermore they are attempting to collect a debt on someone else but yet are trying to get information out of me as to where this other person is. They are pushy, negative, and advise they will keep calling. Also in the message they said it 's about a light and do n't identify themselves and their initial purpose until I call them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian violated my rights... In accordance with The Fair Credit Reporting Agency Act 15 U.S.C 1681 section 602 A States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent. Experian has the incorrect address, DOB and telephone number listed on my report. I advised them that the information was correct and nothing was done. They put a fraud alert on my report and the fraud report is listing an incorrect phone number to call me at. Experian should not reach out to 3rd, 4th and 5th parties to verify information about me. Per the FCRA my report needs to be 100 % accurate. Proof of address attached.

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 2016-07-12
Company: AR Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Called my place of business as first attempt to collect debt and was rude to the admin personnel, when asked for a reference to the call, he would not respond, just simply repeated my name over and over. After calling my place of business, he immediately called my mother in law, who is going through XXXX with my father in law. She was startled and worried as he was rude to her saying I had to call right away. She was upset and became worried about our financial situation. She is not involved in our finances and as most we did not want her to be involved in our medical bills. I never received any phone calls nor did my husband and we are the obvious numbers that would be first to call if there was an emergency. The collection agent, XXXX XXXX with AR Resources Inc. chose to call my place of business and violate First amendment 18 Pa.C.S. 2709. Harassment. by communicating without stating why he was calling, even when I returned his call. Everyone at my work now thinks I have financial problems as well as my mother in law. His agency has only had my account a few days. Imagine the damage XXXX XXXX would have caused had I not called another agent and paid my account in full today.

Company response to consumer: Closed with explanation