BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was a victim of fraud. A woman contacted me about buying cosmetics thru my site. She sent me a cashier 's check but stated that I was mistakenly sent the entire amount of her paycheck ( {$2400.00} ) instead of the cost of product ( {$580.00} ). She asked that I order the product for her & send the remaining balance ( {$1800.00} ) to her via XXXX or transfer. I received the cashiers check, it was from a valid credit union, and I deposited it into my account. The funds were made available immediately. The next day, I ordered the product and then did a XXXX to XXXX transfer of {$1800.00}. Yesterday, Bank of America reversed the check out of my account since it was found to be fraudulent. I filed a police report and requested the bank 's help in having the money funded back into my account since they cashed the check. I was told that due to my good standing relationship with the bank, they made the funds available immediately but when the check was found to be fake, they reversed the deposit. They will not refund my money because I was the one who deposited & then used the money in the account. I asked them how I was supposed to know the check was fraudulent when they cleared it and made the funds available. They told me to file a police report, go after the person that sent me the check and that there was nothing else they could do. They then proceeded to charge me overdraft fees! My account is currently in a negative state and I have no money to buy anything. I can not buy groceries for my family or gas for my car. I closed XXXX accounts with BofA and the online rep actually thanked me for being a valued client! I have filed a report with the XXXX Police Dept but have been told the likelihood of finding the criminal is slim. I do n't know what I will do but I want to make sure that Bank of America does not get to treat another " valued client '' in the same manner. There was no way that I could have known that check was fake. They told me that if I had n't used an ATM to deposit the check, it may have been caught! I get CHARGED a fee if I go inside to a rep since I have an Online banking account, so why would I bring a cashiers check into the bank, which was closed at the time anyway. I do n't know if I 'll get any resolution to this situation and I do n't know how I will get through the next 2 weeks before I am paid again but I do know that Bank of America acted just as criminal to me as the person that perpetrated the scam and I do n't want them to do this to anyone else.

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 2022-05-21
Company: Experian Information Solutions Inc.
State: DE
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:
Information on my credit report I incorrect. My name and address is incorrect. 

My name is : XXXX XXXX My address is : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Delaware XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted Experian multiple times regarding this issue and they refuse to correct the problem. This is the first step XXXX a taking to get this account addressed though complaints and unfortunately if they are still unresponsive I will have no choice but to get the courts involved. There is a XXXX XXXX Account ending in XXXX on my credit report that shows charged off and that i still owe money, but i have paid my debt to that company and they informed me my account is settled and they will remove the account from all three bureaus. Experian is the only one that still have not taken any action towards this matter. I have documentation from the company stating this information and they still refuse to remove the account. Also There is another account recently got added to my credit report from XXXX XXXX account number : XXXX I have already disputed this item and Experian removed it but for some reason they keep adding it back to my credit report without providing any new evidence showing this account belong to me. which is against the law. Experian continue to break the law and I will not stand for it any longer. If i can not get this issue resolved I will have no choice but to get the courts involved.

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 2022-05-21
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I sent a letter off on XX/XX/2022. To remove personal information that I don't want and shouldn't be on my account. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information. The information on my credit profile has been giving me a hard time for so many years now it's been hurting ever aspect of my life. From high payments on accounts to credit card denies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: AES/PHEAA
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 has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
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: Their investigation did not fix an error on your report

Complaint:
i provided my info to someone via XXXX  who said they do in house mortgages back in 2014 and they have opened accounts in my name the XXXX  page is no longer available nor a contact namber

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 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On or about XXXX XXXXor XXXXof XXXX, I went to three car dealerships for a car loan and out of three i now have 16 inquiries on my credit report ; these are the ones I dont recognize XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.The car dealerships i went to was, XXXX XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
The message said for me to file a mew report due to unable .Dont know why >???

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 2016-09-21
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I co-signed student loans for my Daughter, XXXX XXXX XX/XX/XXXX, who works for XX/XX/XXXX. XX/XX/XXXX I became aware XXXX was behind on her payments. Therefore, made the arrangements to guarantee payments would be caught up and always on time on all XXXX loans. As of today we have upheld our end. However and incredibly XXXX of the XXXX loans through Navient ( Loan # XXXX ) continues to report as a charge-off.Eventhough, the minimum monthly payments have all been made to this date and continue to be made. Somehow Navient made an error by not including this particular loan and reported it as a charge-off after our agreement. 
Further, each month a monthly payment is made Navient reports this update making it seem as this charge-off just happen further decreasing my credit. This is the only charge off on my credit report and has ruined my credit. 
Damages include : health insurance increased by {$40.00} a month Auto insurance increased by {$120.00} a month I have been denied credit 4 times in last 6 months Auto loan interest increased on recent van purchase. 
I have disputed this with the credit bureaus twice and Navient confirmed the chart-off status. 
I have contacted Navient at least 4 times, spent hours on the phone, literally pleading with them to to the right thing. 
Navient confirmed payments have been made but say that once an account has been Charged-off there is nothing they can do. This entire ordeal is unbelievable and I am amazed at how little fear there is of federal policy. I informed Navient I would file a lawsuit an they literally do not care. Please listen to the taped conversation I had today XX/XX/XXXXat approx. XXXX. I made sure to confirm the call was being taped and after informed the representative ( XXXX ), the secure this tape for future litigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-07
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have my loans through Navient. About 2 years ago I was forced to pay a much higher monthly payment then when it was XXXX XXXX I complained to them but it did no good. My monthly payment almost doubled from what it was. Since then I 've been making the monthly payments but it has not lowered my balance at all. According to my tax statement half my payment is going toward interest. I lost my job in XXXX and they gave me a six month deferment but I know that will just add more interest. This whole student loan thing seems to be nothing more than a profit making scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
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: Investigation took more than 30 days

Complaint:
EQUIFAX by way of their own admission has falsified information they provided to the CFPB ( see attached documents ). EQUIFAX still continues to violate my rights under the FCRA Section 623 ( a ) ( 1 ) ( A ) and 623 ( b ) ( 1 ). EQUIFAX has had 2 opportunities to conduct an investigation into the account list below, since more that 30 days have past and EQUIFAX DID NOT RESPOND within the time allowed by Federal law. However EQUIFAX still continues to report this UNVERIFIED account to my credit file. On XX/XX/2022 EQUIFAX responded to my CFPB complaint and stated XXXX XXXX is not currently reporting to my credit file this is a FALSE and misleading statement they made in response to my complaint, this response is nothing but an attempt to close my CFPB complaint, and still continue to violate Federal law. 
Account Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Paypal Holdings, Inc
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
PayPal is charging me for charges I did not make. Email is incorrect link to account. I Contacted the collection co and together we figured that the charge was fraudulent. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-16
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Navient provided XXXX different IBR/IDR re-certification application dates. One is on the Navient website and the other is via email. This can cause default, in which both the government and lender profits. The dates are a month apart. That is wrong and deceiving. I 'm already in the Defense to Repayment forbearance because I can not provide for my family and the student loan payments at the same time. Check all my expenses and you 'll see I 'm not living lavishly. I can barely afford groceries. I ca n't afford to get my wife who has XXXX 's good treatment. XXXX covers so little. I 'm scared.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I took out a private student loan in the amount of {$25000.00} to attend university in XXXX in XX/XX/XXXX. Repayment has been brutal. I have since paid off two vehicles, but my repayment plans for the student loan are brutal. I now work at a non-profit company and do not make a substantial income. However, Navient keeps trying to bump my monthly repayment for over {$600.00}! They harass my retired parents who co-signed on the loan 17 years ago. I have to fight to stay on a reduced apr plan. I have n't even begun to repay principle. Seventeen years later, I still have more than {$37000.00} to pay and Navient has been unable to tell me how much I have paid over the years. It 's a prison sentence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: ZWICKER & ASSOCIATES
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
VIOLATED " FAIR CREDIT BILLING ACT '' AND FDCPA '' ... XXXX DIFFERENT COMPANIES DEMAND SAME PAYMENT OF FRAUD ACCOUNT XXXX XXXX AND NOT MY ACCOUNT. FORMAL FRAUD AFFIDAVIT FILED WITH " FTC '' CASE # XXXX AND WITH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
i tried to open a bank account, and i tried to open an investment account with Chase Bank. Chase informed me that it would not open my account because i owed Chase money. However, i do not owe Chase money. I went in to the branch, and i also sent correspondence to Chase asking for documentation and evidence of this phantom debt. Chase refused to provide this, and Chase also refused to lift the restriction for my opening accounts. 

the Chase Private Client Banker who is my contact at Chase is XXXX XXXX, who works at the XXXX branch of Chase in XXXX XXXX, Florida. She was very rude and condescending and yelled at me, saying she refused to help me, and that she passed off my issue to her branch manager, who did not try to assist me either. i asked her if my money is at risk with Chase, she would not answer this question or my other questions. 

One other thing is that Chase opened and closed a secure banking account in my name without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Experian Information Solutions Inc.
State: IL
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:
The inquires listed below I have no knowledge of. Please remove them because I have not requested any credit from any creditor listed below. 
Experian : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX I have a fraud alert on my credit file due to identity theft. Please assist in getting these erroneous inquires removed. 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 non-monetary relief
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is showing my account as closed/charge off with a {$0.00} balance after I fought four months to close the account with the {$0.00} balance. Account closed, finally as charged off after 4 deliquent months on a {$0.00} balance.

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 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXXXXXX XXXX  is showing my account as closed/charge off with a {$0.00} balance after I fought four months to close the account with the {$0.00} balance. Account closed, finally as charged off after 4 deliquent months on a {$0.00} balance.

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 2016-04-22
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have a set of XXXX Private student loans that had defaulted due to my inability to make payments on them. In 2015, I was finally able to reconcile the loans by making a lump sum payment to the loan holder 's collection subsidiary, Navient Recovery as well as arrive at a monthly, automated payment arrangement. I have been making on time, automated payments to the agency for seven months now. I pulled my credit report and much to my surprise and dismay, they continue to report that my loans are in a state of Charge-off and are not reporting that any payments are being made to make good on the debts owed. I contacted Navient Recovery directly regarding this issue and they stated that it is their business practice to decline the reporting of payments on a defaulted account. The representative I spoke with advised that I had my opportunity to make on time payments before the loan defaulted, so as to maintain a positive credit-reporting, eluding to the fact that their business practice serves as an almost righteous form of punishment. She stated that they would continue to report to all of the credit bureaus that the accounts were in a state of Charge-off with no payments being made until the entire amount owed was paid off, an amount totaling more than {$24000.00}. I am paying Navient the absolute most I can afford per month and at that current rate, I will not see these loans paid off for 9 years. 
This means that for 9 years, my credit will continue to never see the light of day. The negative repercussions of a charge-off in a state of nonpayment are significant. I have spoken with a credit professional and they have confirmed that this will, without relent, drag my credit down and never let it travel above a rating within the " XXXX '' class. The rest of my report shows that I am an individual who has all other accounts and open lines of credit and lending in good standing after having just settled XXXX unknown small medical bills. 
It seems to me that the practice of reporting that no payments are being made on a debt that is without question being paid on is a fraudulent practice. Outside of being wholly incorrect, it seems to me that this would without question be considered an unfair business practice that will continue to hurt me and my family for decades to come. 
Can you please clarify, is this an industry standard? Am I nave to think that this seems fraudulent? Do I have any course of action? With a credit rating " XXXX '', I ca n't even take a loan out to pay them to get it out of charge-off, which seems counterproductive and XXXX. 
I thank you for your time and consideration. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
An erroneous deposit was made in my checking account XXXX XXXX, 2016 in my account with Bank of America. The check was endorsed for deposit only in my business account with XXXX. Bank of America accepted the check and credited my joint personal account. Then, they erroneously charged my account and claimed the funds were transferred back to XXXX XXXX. XXXX XXXX claims the never received the fund.

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 2017-03-31
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am the co-signer with students loans serviced by Navient. They have consistently applied the money to the wrong account and then charged me a late fee. I decided to end this by having them automatically deduct the money form my bank account. Yet each month they delay the start date, so I have to send a check, which they again apply to the wrong account.

Company response to consumer: Closed with explanation