BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-19
Company: Empowerment Ventures, LLC
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have a pre-paid Visa debit card through Rushcard which uses XXXX. Myself, along with XXXX others have not had access to their funds for almost a week now due to a " technology glitch ''. My payday came and went and although my direct deposit is showing in my account online they will not give us access to it. The card gets declined or says invalid. They have given us no solution or time frame as to when it will be fixed. Their customer service # hangs up on you now. I believe they stole our money. My cell phone was turned off, I had to borrow money for food, people can not buy their medications or get gas to go to work. I need my hard earned money so I can cancel this card and never use it again. They need to release everyone 's money and if it is a card issue then overnight a new card. They will not give us any information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the  following accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX   Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX XXXX - Account : XXXX Creditor : XXXX   Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX   Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX  Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX- Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2016-11-15
Company: First National Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Statue of limitation has passed on the item in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: EQUIFAX, INC.
State: IL
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:
What happened? 
the credit bureaus has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. the credit bureaus has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. The credit bureaus failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection XXXX a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
UNAUTHORIZED / FRAUDULENT XXXX TRANSACTIONS THROUGH MY CAPITAL ONE CHECKING ACCOUNT. CAPITAL ONE BANK DECLINED MY 2 CLAIMS TO REIMBURSE ME SENDING ME TO XXXX TO RESOLVE. WHEN I CALL XXXX, THEY SEND ME TO THE BANK AND TELL ME THEY HAVE NOTHING TO DO WITH THESE UNAUTHORIZED TRANSACTIONS. SAME IN CASE OF XXXX XXXX CLASS ACTION RECENT SETTLEMENT, XXXX ACCOUNTABILITY FROM THE BANKS AND CONSUMERS ARE DEFRAUDED / SCAMMED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I went to XXXX XXXX. I took out federal loans. When I got out of school consolidated the federal loans. I kept getting a bill from Sallie Mae. I called them and asked them why and they told me the bill was for my private loans. I never signed any agreement for private loans. I refused to pay on them. They kept telling me they had a truth in lending agreement for the private loans but never produced one. It was XXXX loans in all. The only thing I signed was an application for the federal loans. I was told by a lawyer that these private loans are not legal without a contract. At one point a Sallie Mae collector told me that it was a verbal agreement that the private loans were taken out on. I can not afford a lawyer to get rid of these loans and they are keeping my credit down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within XXXX  days. 

XXXX XXXX XXXXcount # XXXX Bal : {$1300.00}

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 2022-04-13
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020 at XXXX XXXX I went to a XXXX XXXX ATM in XXXX in XXXX Texas with my US Bank ReliaCard to withdraw {$80.00} The first transaction was timed out so it was declined The second transaction said non sufficient funds. When the ATM timed out the money was released out of my account but it did not come out to ATM machine I never got it It timed out and it declined. I called XXXX XXXX they told me to contact my financial institution I saw I called US Bank ReliaCard I was told that they were doing investigation that could take from 10 to 45 days and after 10 days if they haven't investigated it I will receive my money back neither to place. I was told per their investigation that there was no problems with my transaction and which it was a problem on my behalf because I never received my {$80.00} which ruined me and my son 's vacation because we couldn't buy food.

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 2019-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX Trans Union XXXX Derogatory marks View all accounts COLLECTIONS XXXX XXXX XXXX Opened XX/XX/2019 {$250.00}

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 2022-04-13
Company: ZWICKER & ASSOCIATES
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
At One Time I had two XXXX XXXX, one for my personal use and one for Business, we had a dispute on the Business Card and XXXX denied a charge from a Vendor that we later had to pay a 30 percent collection fee to Legal Counsel to recover the fund that XXXX Should have reversed, they then shut the card off along with my personal card. I paid the business card off and paid monthly for the past couple of years on the Personal Account, they keep calling me when after 3 written notifications to stop calling they did in clear violation of the law. I also attempted multiple times just to set up ACH with the Company but they keep refusing to do so, I pay off of paper invoices, so when a statement comes in, it is given to my accounting folks to pay online, since again we could not set up ACH, I just got XXXX 's statement in the mail, when I was alerted by XXXX on I logged into XXXX portal and made the XXXX and XXXX payment online which would bring the balance to {$2400.00} which I then was told when I called into XXXX the account had been assigned to Zwicker and Associates, I asked the man at XXXX that they need to remove the late since they failed to give me the ability to ACH payments and I had not gotten a statement he agreed to it on a recorded line as of today it's still showing and has lowered my credit score by XXXX points and two of my credit cards have now reduced my amounts of boring causing even more hardship in the matter. I then called the Zwicker firm, which they told me they could not discuss it, I then got a letter from them stating that they were trying to collect {$2600.00} and again the wrong amount, I will be disputing this with them today and advising them CFPB is involved in the matter and that the matter is in FULL dispute. I also have now been getting calls from other law firms it seems that XXXX and this Zwicker firm has a track record of not being ethical and following the law which is very apparent in this matter. 
Also it was brought to my attention that I have been paying fees for " purchases '' even thought the card was shut down and " no purchases '' could be made, I have learned a lot of the tatic 's from the Lawyers that keep calling, to represent me in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have submitted a dispute letter three times for the past four months and have not received any update or progress on the status of my dispute.

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 2016-09-22
Company: RSI Enterprises, Inc.
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Since XX/XX/XXXXXXXX I have received a 'first ' and 'third ' notice from RSI Enterprises , Inc. in unmarked envelopes regarding an 'outstanding ' debt to XXXX Tax and Revenue for back taxes for a year ( ending XX/XX/XXXX ) in which I did n't live in XXXX. 

To note I have received no correspondence from the city/district regarding this situation. 
The envelopes are unmarked. 
The letters are unprofessional and appear to be a scam ( i.e. grammatical errors. 
I responded to the first letter with a call, which went unanswered, and an email on XX/XX/XXXX, which also went unanswered. 
After I received the second ( which they claim is 'third ' letter, on XX/XX/XXXX, I spoke with an RSI XXXX representative, who connected me to the XXXX Office of Tax and Revenue on XX/XX/XXXX. After speaking to the main operating line, I was transferred to the Collections Office. I have been unable to reach anyone in the Collections office, and my calls have gone unanswered and messages unreturned. I have been logging every attempt to reach the Office, and I can provide specifics : XXXX to the Main telephone line at XXXX I spoke to XXXX XXXX, who advised me to speak to your office, informed me that " errors '' regarding the appropriate taxation of XXXX residents who moved to the city at the end of the tax-year is a systemic issue in the department. She recommended that I speak with XXXX XXXX and provided me her number. 
XX/XX/XXXX to XXXX XXXX at XXXX, and again at XXXX, at which point I left a message with my name, number, and requested a call back. 
Having received no return call, I again called XXXX XXXX at XXXX on Friday, XX/XX/XXXX, again leaving another message requesting a call back and providing all my information. 
Having received no call on Monday, I called on Tuesday, XX/XX/XXXX, at XXXX. I was again sent to voicemail, where I left the same message with all requisite information and a request for a return call. 
I then escalated to calling XXXX XXXX 's number at XXXX on XX/XX/XXXX. The call was not answered. I left a message again providing my information, the history of my attempts to reach the office, and a request a return call. 
On XX/XX/XXXX, having allowed the 24-hour window for a return call, I again called XXXX XXXX 's number. The call was not picked up, so I again left a message, and indicated would be attempting to contact this office by email, should I not receive a call back by noon today. 

I want to report this pattern of delay, error, and non-communication practiced by both the XXXX government and its collection agency, RSI Enterprises , Inc . Frankly, the negligence places my credit score, and therefore my financial health in whole, at risk. I am hoping that you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
The account was paid off in full. The account was overpaid by {$960.00}. Ally bank refuses to refund the overpayment.

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 2019-12-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I've been depositing my paycheck with the USAA Mobile App every month since XX/XX/2019. Deposits on payday are approximately {$6000.00}. Every time, there is a {$1000.00} hold of the the {$6000.00}. That is not the problem. On XX/XX/2019, I deposited my paycheck of {$6000.00}. A hold was placed on {$5500.00}. This hold has prevented me from paying rent and bills. I trusted the bank. They always held only {$1000.00}. I work for the XXXX of XXXX. My checks are not from an unknown source. I spoke with USAA Monday, XX/XX/2019 and escalated by call as high as I could go for all the representatives to tell me there is nothing they can do about it and the hold will be in place until XX/XX/XXXX. There was no information when I deposited that possibly this much money would be placed in a hold. 

Is it true the bank can not remove the hold? Is it impossible?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: GOLDEN 1 CREDIT UNION, THE
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: Credit inquiries on your report that you don't recognize

Complaint:
I have no legal binding accounts or loans with this company

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 2022-04-13
Company: NATIONWIDE MORTGAGE BANKERS, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My monthly mortgage payment is {$1700.00}. XXXX , XXXX, as sub-servicer for Nationwide Mortgage Bankers , Inc., received a partial payment on XX/XX/2022 in the amount of {$820.00} and properly credited this to the Suspense Account, as partial payments are not allowed under the terms of this loan 's servicing. The following day ( XX/XX/2022 ), however, the servicer unilaterally and without notice applied this payment as a principal-only payment instead, without my advice or permission. Upon contacting the servicer, they indicated that partial payment money can not be held in the suspense account and incorrectly claimed that servicers have the right and obligation to apply suspense however they see fit at any time. This interpretation contradicts the express meaning, purpose, and operation of the suspense account as described in Regulation Z at 12 CFR 1026.36 ( c ) ( 1 ). Mortgage servicer has subsequently agreed, at my request, to reverse their " principal curtailment '' action and merge the {$820.00} partial payment instead with the other {$910.00} in partial payments subsequently received on XX/XX/2022 into the suspense account, and then appropriately apply the combined amount of {$1700.00} towards my XX/XX/XXXX payment, albeit posted on XX/XX/XXXX despite the fact that the remainder of the payment was actually received on XX/XX/XXXX. No late fee was charged in this case since I brought the issue to their attention during the 15 day grace period.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation