BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DEPT OF EDUCATIONXXXX XXXX Balance : {$10000.00} ; ' DEPT OF EDUCATIONXXXX XXXX Balance : {$9300.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$1100.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$3000.00} XXXX DEPT OF EDUCATIONXXXX XXXX Balance : {$1900.00} XXXX DEPT OF EDUCATIONXXXX XXXX Balance : {$5900.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$5800.00} ; DEPT OF EDUCATION/XXXX XXXX Balance : {$3900.00} ; DEPT OF EDUCATIONXXXX XXXX Balance XXXX {$350.00}

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 2015-07-06
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Last year I paid this account to clean my credit. I do n't know what this debt was for but I paid a reduced amount in order to have it removed from my credit and receive a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Empowerment Ventures, LLC
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have money missing out of m RUSHCARD ACCOUNT. THIS HAS BEEN GOING ON SINCE THE XXXX OF XXXX. I AM MISSING {$300.00} FROM MY ACCOUNT. TRANSACTIONS HAVE COMEPLETELY DISSAPPREARED. I HAVE BEEN TRYING TO CALL AND AM DISCONNECTED ON EVERY CALL. I AM GOING TO XXXX XXXX SATURDAY AND NEED MY MONEY ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-14
Company: Empowerment Ventures, LLC
State: NJ
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
I was text on XXXX/XXXX/15 that rush card would be updating there system and me the holder of a rush card should withdrawal funds from my accout before XXXX the early morning because the update would not allow me to access my funds until monday XXXX/XXXX/15 at XXXX, so after XXXX i tried to withdrawal from my account and i was not successful to doing so, so then i tried and tired to contact customer service and when i finally got through i was told that my card has been blocked ( for what reason i do n't know ), next i tried using the card again the next day Tuesday XXXX/XXXX/2015 and it allowed me withdrawal {$20.00} out following that tried to use the online app to see what my balance was and again it toldme that my card was blocked and not activated again i tried and tried to get in contact with rush card and when i did i was either put on hold for an hour or after being on hold the phone call was disconnected ... .so again with another try at the atm ... my card said declind or unauthorized usage ... .i receive direct deposit to this card from my employer and i also had a remaining balance from my last direct deposit which was posted on Tuesday XXXX/XXXX/2015 so i cant see how my card is not activated..i 've been calling all day today and still not able to get through ... .i would greatly appreciate it if you can get to the root of my problem for me or direct me to any other source that can help me get a resolution

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I can not afford the monthly payments as a XXXX mother of XXXX so I keep deferring these loans.They have more than doubled with the interest.I now owe almost XXXX instead of the XXXX originally borrowed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I am on XXXX for XXXX I have been trying to work with nagvientXXXX. I have sent in paperwork to try to get my student loans forgiving. Now I am in default. I do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: Empowerment Ventures, LLC
State: AL
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I have a Rush Card and I think they have deliberately restricted online access to people 's accounts so that we will not be able to track transactions. They have issued many statements asserting that all issues have been resolved, however, unless you are willing to hold for three hrs to speak to a representative, you have no way to know how much has gone into or come out of your account. My accent information is not accessible thru their website nor their iphone app. They know this but have not taken any steps to resolve it. Keeping us in the dark only serves to benefit RushCard. I 'm sure if I could see my transaction history, I would find discrepancies. I 'm positive there is money missing from my account. Who can I even speak to about this?? It is tragic that RushCard could treat their customers like this when they know they service economically disadvantaged consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04
Company: Winklevoss Exchange LLC
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Date of transaction XX/XX/2022. Gemini I deposited a total of XXXX dollars into the account. Used that amount to buy crypto. For the crypto that XXXX transfer has been completed, I wanted to withdraw XXXX dollars worth of crypto to another wallet. Gemini said that there was a security hold on my account so I couldn't withdraw. I asked Gemini support on this matter and they told me I need to send a photo of myself, my driver 's license id, and a code/date. I did that and the customer support confirmed that my image was received and they said that they would message back. I never received any update regarding the security hold after that, and it seems like other people previously have had the same issue. 

The main issue is that my current is stuck on the exchange and they will not let me withdraw even though I confirmed everything required by the support team. Also, they never let me know why there was a security hold in the first place. 

Ticket ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: H. Kent Hollins, Attorney at Law, P.A
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
original debt was XX/XX/XXXX in the state of XXXX. It was filed in XXXX by H. Kent Hollins. Law Firm. H Kent Hollins # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX address : XXXXXXXXXXXX ( XXXX XXXX XXXX ( Local no. ) ( XXXX ) XXXX ( toll Free no. ) It 's over 15 years old and they are trying to collect from me. They garnished my bank account with XXXX XXXX XXXX in XX/XX/XXXX of this year and I had to contact the XXXX XXXX XXXX XXXX order processing. XXXX XXXX XXXX XXXX XXXX XXXX and the Legal Levy Department Regarding to Reference # XXXX. I did file another complaint with your agency before and I though this matter was taken care of and the bank was able to remove the restriction and restore my account. H. Kent Hollins, sent me by mail a form regarding to the debt. And then filed another garnishment against my account on XX/XX/XXXX. The bank is informing me that even though this is fraudulent, they are under the order of the collection agency, until this matter is resolved. This collection agency is very aggressive and they are not conducting their services in professional manner by refiling again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: Source Receivables Management LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company, XXXX XXXX XXXX, XXXX, ID Phone Number : XXXX, keeps calling me after being told numerous times that the person they are trying to collect a debt from DOES NOT LIVE AT THIS HOME AND THIS IS NOT HIS PHONE NUMBER. I contacted them and asked for a supervisor after the calls continued. I informed the " supervisor '' that I had asked numerous times for them to stop calling me, and that the person they are trying to reach does not live here. He said he would remove my phone number from the file. I am still getting calls from them, but now they are blocking the caller ID in an attempt to disguise themselves and get someone to answer the phone, I know this because I answered it and it was Source Receivables Management. I WANT THIS STOPPED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Other

Complaint:
Please consider the additional information set out below as amending existing File No. XXXX, or a new complaint. While Bank of America ( " BoA '' ) acknowledges that I have had a credit card issued by them since XXXX, the Bank has repeatedly reset the date of card issuance and in the process has reported false information to all credit rating agencies. These agencies have lowered my rating, because I allegedly do not have a credit line of 15 years or older. 
Most recently, BoA reset my credit line date to XXXX from XXXX, apparently because I added my wife to the account. See attachment. 
Whether by defective computer algorithm, or willful negligence, BoA has reset my credit card account date, despite no material change in my credit status and no change in the account number since XXXX. The company regularly and unilaterally changes account numbers when it discontinues a card type, or has to remedy a security breach. In my case the company reset to zero my length of credit simply, because I got married and added my wife to the account. Such a change should not affect the start date of the account, particularly since my account number has remained the same since XXXX. 
In a nutshell, BoA has a policy to reset account start dates that adversely impacts one 's credit rating without any cause. Certainly my risk does not increase when the company simply changes account numbers. Please note that the attached pdf file of credit cards for my wife and me have different dates. While my card should have XXXX as the start date of credit, it does acknowledge that the start date for this particular account was XXXX. Rather than apply the same start date for my wife, BoA uses XXXX and apparently reset my account start date to XXXX as well even though my card still shows XXXX as the start date. This practice makes no sense and has the uncessary and harmful effect of denying loyal customers an A credit rating for having lines of credit exceeding 15 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Empowerment Ventures, LLC
State: ID
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I use Rushcard and they informed users that they would be doing maintenance on Monday, XXXX. That was fine since it was a bank XXXX anyway. I sent money to my account from XXXX on Friday. With Monday being a bank XXXX, I did n't expect the money until Tuesday. Tuesday has come and gone and still no money. My direct deposit was also due in my account on Wednesday, XXXX, and it also has not been deposited. Rushcard has acknowledged that they are having issues, but are n't keeping users informed on the status of our money. If you look at their XXXX ( XXXXRushCard ), this is the same problem everyone is having. It 's as if our money has just disappeared and we are not getting an adequate explanation of when we can expect to have it back. Money that was available in our accounts before the system update is also now gone with our accounts giving us a {$0.00} balance. We all have bills to pay and no timeframe we can give our creditors. It 's frustrating and financially devastating for a lot of people. I understood their issues on Monday since they warned us, but this is the XXXX day and no one at the company is helping other than releasing updates that are obviously not true. Some of their XXXX numbers have been disconnected, customer service is hanging up on people, and other people are waiting hours to speak with someone. It 's unprofessional and as a financial institute, they need to be held accountable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX   XXXX   XXXX  is attempting to collect debts for a closed  Capital One.  I wrote  XXXX   XXXX   XXXX   XX/XX/XXXX    requesting the date the original accounts with Capita l One b ecame delinquent, but I did not recieve a response. Based on what I 've seen on my crdeit reports it appears that  XXXX   XXXX   XXXX  is attempting to reage the debt which is illegal. According to my state of residency this debt is beyond the three years statue of limitations.   According to my  XXXX   XXXX ,  XXXX  account was reported delinquent by  Capital one o n  XXXX  ; the other  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My wallet was stolen from my vehicle in XXXX XXXX, TX on the evening of XXXX XXXX. The following morning my card was used by the thief to the tune of {$1500.00}. Bank of America was alerted the same business day about the theft and issued a temporary credit to my account. The claim was not created by Bank of America until 3 days later on XXXX XXXX despite their being notified on XXXX XXXX. The XXXX XXXX Police Department were also alerted on the XXXX, XXXX XXXX. XXXX. Bank of America is now claiming that they are removing the entirety of their credit which is in violation of their {$0.00} liability guarantee and the {$50.00} liability limit instituted by the Federal Government. Bank of America will not answer our calls or provide any assistance in our dispute of their new findings.

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 2015-07-03
Company: SQUARETWO FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Credit Card collection agency has repeatedly called my place of employment after being asked multiple times to not call. In addition collection agency has contacted my parents, sister and elderly grandfather repeatedly. Call are made sometimes XXXX or more in a single day with only a single message being left. After calling and speaking to agency and asking them to cease calls to my place of employment - I am a XXXX and do not have an outside line to my XXXX and will never be able to receive calls at work as a result ( nor is it appropriate ) - they left detailed messages for me with both the XXXX secretary and the XXXX. This has been going on for 3 years and as most recently as XXXX 2015. 
I called in XXXX of 2015 to make a settlement offer of {$800.00} for my outstanding debt of {$1200.00} ( more than 70 % of a 5 year old debt ) and was told that I needed to come up with {$1000.00} and I should " call back when I have the rest of the $ '' and was hung up on. The collections calls have since resumed to multiple calls each day. I would like a reasonable settlement offer sent to me IN WRITING as I do not feel comfortable dealing with a company via phone that ignores my requests for cease calls, ignores me when no permission has been given to contact on certain phone numbers and refuses to send me anything via mail. My information was updated with this company in XXXX of 2015 and I simply want to resolve this debt reasonably and expediently without myself or my family being treated rudely or unprofessionally. I want no further contact from this company via phone call to any number. As soon as I receive a reasonable settlement offer by mail, I will remit payment accordingly but will not do so without something in writing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 also states that consumer reporting agencies can not furnish an account with my written instructions. Under 15 USCs 166B creditor may not treat a payment on a credit card account under an open account as late for any purpose. All creditors have been contacted no action has been taken. 

Accounts : Capital One - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19
Company: Empowerment Ventures, LLC
State: CT
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
I am a customer of rush card and my account has been frozen for 7 days. I have not been able to access my funds which is causing Late fees, car repo, eviction from home..I am very dissatisfied and nervous about this situation I have young kids that I also can not provide for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX will not answer the phone or will not route it. 

They sent me out an information form and didn't respond to my request to show that the student loan WAS PAID off and the student loan said GOOD STANDING. 

There are many remarks online about getting a number to actually contact XXXX. 

They try to sell me stuff EVERY DAY, but can't take the time to delete this loan, and in good standing.

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 2016-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible. And with another note the Telephone number and address of the account is incorrect those not exist there none information at all from this corporation. 

Thank You

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 2015-10-21
Company: Empowerment Ventures, LLC
State: AZ
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Managing, opening, or closing account

Complaint:
Rushcard has taken my direct deposit paycheck and after talking to customer service today, they said it could be weeks or months before my funds will be available! In the mean time they are making millions off interest with other peoples money while it just sits in their bank. I want my money. They have my rent and groceries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contaced XXXX XXXX who I had an account with for the past XXXX plus years for cable. I returned the equipment and advised that I was moving out fo the area to a XXXX XXXX XXXX. XXXX has been harassing me for the past two years selling what they percieve to be a cancellation fee of {$260.00}. I did not have a contact with them it was month to month over many years. The community XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( I am XXXX years old ) has cable through our XXXX monthly fees. We do not have an opt out. XXXX is not in our area and their is no ability to connect and I would pay XXXX for cable if I did. XXXX has sold this supposed debt more than XXXX times, I have successfuly fought it each time through XXXX and through letters to the debt collectors but once again they are hounding me and had my credit score go down XXXX points from an XXXX  score to a XXXX  score as of XXXX XXXX. In XXXX  they affected my credit score unjustly as I was purchasing a home. I ended up paying higher premiums for homeowners and car insurance. The current company is Credit Management LP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: Resurgent Capital Services L.P.
State: OH
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation