BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-24
Company: Empowerment Ventures, LLC
State: IL
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
I lost my pre-paid debt card from rush a replacement was sent to me within 9 days and i was not able to activate my card. I had my direct deposit in my account a week previous. I was told that rush card was going through a systems upgrade and since their systems were down their activation line wasnt working i was locked out of my account and couldnt view it. And after waiting on hold for several hours after being hung up on multiple times by rushes automatic phone system. I was told by customer service i would just have to wait until it came back up and no time line was given but until then i couldnt access my funds. I called daily for nine days before i saw a post on social media telling me to reset my account at this point now having XXXX checks direct deposited that i couldnt access. I was finally after day ten able to email rush my account info my account was unlocked i was able to remove my money. Im now late on my.car payment rent phone bill and cable with delinquent fees. And now i have to pay a XXXX dollar down payment on my phone due to a service interruption. This has severely disrupted my life i had to borrow from friends and family to feed my son. Rush should not be allowed to block people from their accounts for ten plus days with no viable information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: TX
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:
EQUIFAX is in violation of violating consent and my privacy in distributing unauthorized and incorrect information on my behalf. They have been unfair, partial and irresponsible with my personal information that was not authorized by me. 
In fact, after reading recent congressional findings EQUIFAX has demonstrated that they are in fact representing themselves as a financial institution by association. In turn they have been irresponsible with my personal information and it was redistributed with out my consent and involved XXXX a breach. 
I demand that they cease and desist any further unauthorized distribution of my personal information. It continues to damage my ability to conduct my personal and financial business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I WAS NOTIFIED THAT MIDLAND FUNDING TOOK LEGAL ACTION AGAINST ME FOR AN ALLEGED DEBT THAT I OWE. I WAS NEVER PROPERLY NOTIFIED OF THE DEBT, I WAS NEVER CONTACTED REGARDING THIS DEBT NOR WAS I GIVEN THE RIGHT TO DISPUTE THE DEBT. THIS COMPANY NEVER BOTHERED TO VALIDATE THE DEBT EITHER BEFORE THEY TOOK LEGAL ACTION ATTEMPTING TO SUE ME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of AmericaXXXX XXXX is in violation of " Larceny '', " Breach of Contract '', Negligence of Services '', Corruption, Malicious Acts of Theft located at XXXX XXXX XXXX XXXX XXXX XXXX robbed my account for {$1300.00} after my business debit card got stuck in the A.T.M for 2-3 days at location dated XX/XX/XXXX. I notified them of the error! They lied, using gas- lighting tactics to deprive me of my property from the Larceny since XX/XX/XXXX. My card was operable until I went to that discriminative branch and they stole {$1300.00} from and was told that it would be credited back to my account, which never did. Under CV-012940-21K and Index no.51/22 I seek the payment of default for {$450000.00} to go direct deposit in my XXXX XXXX account immediately!

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 2022-07-17
Company: EQUIFAX, INC.
State: MI
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:
The credit bureau stated that my account was properly investigated but how is that possible if the following items are all inaccurate : the high balance amount date of last activity date reported date opened date closed creditor type account status payment status last payment term length the creditor remarks are also inaccurate This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A which states that I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
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:
On or about XX/XX/2017 Court : XXXX Bankruptcy XXXX XXXX CA Reference # XXXX account was reported to a Credit Reporting Agency without my knowledge or permission. I have requested for this information to be removed for several years now with no resolution. 

In accordance with the Fair Credit Reporting Act my rights were violated. 

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

15 U.S.C. 1681 Section 604 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 2022-07-17
Company: Factor Trust
State: LA
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: Problem with personal statement of dispute

Complaint:
I recently moved to another town and went to open bank account and I was refused and they gave me a print out showing me it was because of XXXX I contacted them and they were no help I go get a loan it was because of XXXX I didn't even know I had anything to do with XXXX before I moved I had a credit score of XXXX and when I get to another town it was XXXX I don't understand and can't get any answers and know one wants to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
State: LA
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: Problem with personal statement of dispute

Complaint:
I recently moved to another town and went to open bank account and I was refused and they gave me a print out showing me it was because of XXXX  I contacted them and they were no help I go get a loan it was because of XXXX I didn't even know I had anything to do with XXXX before I moved I had a credit score of XXXX and when I get to another town it was XXXX I don't understand and can't get any answers and know one wants to help me

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 2017-12-30
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was assessed an annual fee of {$160.00} by American Express for my credit card on XX/XX/XXXX. This fee is valid for charges fromXX/XX/XXXXto XX/XX/XXXX. I cancelled this card on XX/XX/XXXX and requested a partial refund ( 11 months XXXX of the fee. American Express refused to refund the fee and said that I had to request the refund within 30 days of the assessed annual fee. That means that they are charging me for a service that I am not receiving. Is this legal? I asked them to refund {$140.00} which shows a reduction from the {$160.00} for the month of XXXX. I would like them to refund {$140.00}. I have documentation of our discussion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-14
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
JUST ANSWER THESE XXXX QUESTIONS AND STOP LYING AND EVADING WHAT YOU DID AND DID N'T DO : Wells Fargo needs to answer these questions in full based on their last response to the same issue. Refer to CFPB # XXXX. 1. In their response to the above complaint is Wells Fargo denying ever sending me anything on XXXX XXXX, XXXX? 2. If not, are they only denying sending me a rejection letter on that date? 3. If yes to above, what do they claim they did send me on that date? And why did they send it and what records do they have in their possession to prove what they sent me? Please supply all documents to support the claim that something else was sent to me on that date. 4. Is Wells Fargo claiming they do n't have any records of sending me anything on that date? If so what records do they have to prove they sent me anything during the application process? 5. Wells Fargo either needs to admit they sent me something on that date via XXXX or deny sending me anything on that date. Since there are records of that transmission having been sent to me they must either acknowledge or deny it.

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 2022-03-23
Company: Williams & Fudge, Inc
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Williams & Fudge has been attempting to contact me for perhaps a year about a debt that I supposedly owe ; but since they've been leaving voicemail on a phone I rarely use, I've let it go until recently. ( I've blocked the number, but that doesn't stop them from leaving voicemail, unfortunately. ) A month or two ago, they sent me a letter that said I can either dispute the debt ( and gave me several options to check as to why I was disputing it ) or ask for details on the situation. I checked " I don't owe this debt '' ( or whatever was similar ) and attached the slip to a detailed letter saying why I felt I didn't owe it. In it, I stated what I believed the debt to stem from, the fact that they were outside of the statute of limitations in three different states ( the state I reside in, the state the school is in and the state the lender is in ) and the exact legal citations pointing out the statute of limitations in all three. I also said that in the unlikely event I'm not outside the statute of limitations, Williams & Fudge still won't be able to collect a debt off me, as I am on XXXX and only federal student loans can garnish that, not private. I sent the letter and assumed that would be it. 

Earlier this month, I received a large manila envelope ( with no return address ) with a thick sheaf of paper. The cover letter said it was from Williams & Fudge and it was the details of my debt, complete with credit reports for my cosigner and I and paperwork I don't remember signing. ( I, in fact, did not physically sign these papers ; they were marked with a digital signature, so I have no way of proving that they were not forged. ) There was also a pair of affidavits noting that disclosure statements for both my cosigner and I were missing from the file. ( I think this is detrimental, but I can't say for whoit may, for example, state the length of time it takes for the debt to go default, so I may not be outside of the statute of limitations after all. 

I did not ask for this waste of paper ( and it was truly a waste, because there were multiple copies of several things and no clear reason why there was ), and the only thing I learned from itbesides the fact that no one read my letteris that they were pursuing a debt from a different school than the one I wrote my letter about. Regardless of which school, the statute of limitations has expired and they need to stop calling me and sending me junk.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Empowerment Ventures, LLC
State: NJ
Product: Prepaid card
Sub-product: Payroll card
Issue: Advertising, marketing or disclosures

Complaint:
I am unable to access my account due to RUSH CARD TECHNOLOGY TRANSITION and i also have kids that have to eat and no one from RUSH CARD CAN ANSWER THEIR PHONE AND NOONE FROM RUSH CARD WANTS TO TAKE RESPONSIBILITY FOR THE UNNEED TECHNOLOGY TRANSITION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-26
Company: ENOVA INTERNATIONAL, INC.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
They claim funds have been deposited in my bank account but there wasnt no funds I tried to call customer service but no one answered for hours then when they did they hand up right away this is a concern because they have my bank information and personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have attempted several times to dispute 5 XXXX accounts with TransUnion but I get stall letters of asking if its really me when I have sent information to prove that it is indeed me. Starting XX/XX/XXXX. 

I have had 5 XXXX Accounts reporting negatively on my credit profile since XX/XX/XXXX. I have attached old credit reports from TransUnion to prove this. I need Transunion to cease from reporting on these accounts.

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 2022-03-23
Company: Netspend Corporation
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:
Someone stole my cell phone that was my wallet with all cards and they stole {$7200.00} from my debit card I filed a dispute and rhey denied it when there is evidence of another unknown person using my card per police officer

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 2022-07-17
Company: Bread Financial Holdings, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I paid on my debt to stop the harassing calls buts they continue. Today they called 7 times in which one of those times they left a message then called a couple times after.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing a complaint against KOHLS/CAPONE because they are attempting to collect a debt that I do not owe them. Account Name : KOHLS/CAPONE, Account Number : XXXX. 
I would like for KOHLS/CAPONE to show proof of verification that I owe them {$380.00} with the account above. After disputing this account creditor has already filed the payments as a business loss which they claim that I owe. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: TN
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:
upon checking report i noticed fraudulent account and also inquires. the account is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I got the loan put on my credit card even though I am still in college and can not pay it off. I can not take out other credit cards and improve my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX at XXXX AM received and email from Bank of America confirming an email " update '' I did not make a change in my email so I called Bank of America. Talked to XXXX she said 2 transfers were pending XXXX and XXXX I asked that she STOP these charges that I did not make them and was told " The are Pending and she could not stop them. She put a Fraud alert on my Account. I have received four letters from Bank of America, going from from crediting my account for the Fraud charges and then " re-investigating saying we are responsible for all the transfers. I have sent two letters asking for information on where this money went and to whom it went to and I haven't received anything. Bank of America has a email in their system that does not belong to me but they will not release to the email. 
I have filed a theft report with XXXX XXXX XXXX XXXX office ( felony theft ) also a report with the FTC XXXX all three credit bureaus and a complaint with Alabama Attorney General Consumer Department XXXX All of this information has been faxed/mailed to Bank of America twice XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ) I have called Bank of America five times and get nothing but the " run around ''. I need this resolved. Bank of America is now charging me late fees on money I do not have and did not transfer. Based on past account activity this out of character for me. It should have been a red flag for the Fraud Department having my credit card maxed out with two transfers.

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 2021-11-26
Company: EQUIFAX, INC.
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:
On XXXX/XXXX/2021 I submitted a dispute letter to your company, disputing two student loans that recently appeared on my account out of nowhere. I asked your company to not only investigate where such debt comes from but to send me proof of such debt or to remove such debt as, again, such debt does not belong to me. 

What I received in response was an " account update " email that had no status update attached and I discovered the two student loans account were taking out of dispute status. 

According to the law and per my request via my letter dated XXXX2021, I asked your company to please verify the debt as required by the Fair Debt Collection Practices Act. The law requires that the bureau be able to furnish who, what when and why as proof of a debt or correct information they are choosing to publish on their platform. Your company did not do that, in fact it seems your company did nothing but dismiss my claim and take the accounts out of dispute. 

The other two bureaus found no baring that these two students loans belonged to me, so I am confused as to why or how only your company was able to find them them to accurate. 

Because your company did not do that what is required by law, you are now in violation The Fair Credit Reporting Act ( FCRA ) that states, if inaccurate information is discovered in a file, the consumer reporting agency must examine the disputed information. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. I am asking that you remove the accounts in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
The credit bureaus have failed to comply with my request to delete all inaccurate personal identifying information such as ; misspelled names, incorrect current and previous addresses. I have mailed multiple letters to the bureaus all of which have gone unanswered. I have been disputing and challenging the inaccuracy being reported on my credit reports for a couple of months now, maybe even one year. I ask that you please help me assert my legal rights and enforce the credit reporting agencies to comply immediately. Their willful disregard has been extremely injurious to my credit profile and I am at my wit 's end.

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