BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-09
Company: ACCESS GROUP INC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am unable to reach anyone by telephone for XXXX of my private educational loans for law school. Specifically, the loan disbursed in 1998, with the account # XXXX, by The Access Group ( XXXX ) had me on hold for over 20 minutes before I had to hang up to work. 

I have had trouble with many aspects of the servicing of this loan, including not being able to reach the servicer to learn the balance or what is going on with this loan. I believe that excessive interest has been and is being charged on this loan for a variety of ongoing accounting errors. 

Please have someone from The Access Group contact me and require that it provide telephone numbers where people actually answer the call who can answer questions about my loan in a reasonable amount of time. Please also procure a significant discount off the loan for their failure to provide access to personnel who will answer questions about it and increase the amount of the discount with each recurrence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2022 I received an email from Bank of America advising that they sent a query to XXXX for my credit rating to process a credit card I never requested. I checked my account with XXXX and Bank of America did, in fact, send a query about my credit rating. I was then sent a follow up email from Bank of America ( BofA ) advising that the credit card ( a XXXX card ), which I never requested, was being approved. I contacted BofA customer service by telephone and advised them that I never requested this credit card and that I wanted it to be stopped. I was advised this would be taken care of. On XX/XX/2022 said credit card arrived in the mail. I did not activate this credit card. On XX/XX/2022 I went to a local BofA branch and requested a branch manager call their Fraud Unit and cancel the credit card. While at this branch office of BofA I also spoke with the person in their Fraud Unit and she advised that the credit card was canceled ( I never activated it ). At this time I am waiting for a confirmation letter from BofA advising that the credit card was canceled.

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 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This account has been closed and charged off since XXXX. They illegally re-aged my account and have been inaccurately reporting this account. They have also refused to delete as a result of the inaccuracies. Instead, they are updating an account when it should be deleted. The open dates are wrong. They reported " payments or OK '' status in XX/XX/XXXX and XX/XX/XXXX when no payments or contact was made. The last reported dates are inconsistent and inaccurate. The high credit balance is inconsistent and inaccurate. As a result, this has re-aged the account to benefit the credit grantor for the charge-off statute of limitations. These are major violations of the FCRA and I respectfully request that this account is deleted 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 non-monetary relief
Consumer complaint received 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30 days in the month of XX/XX/XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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 2022-01-23
Company: EQUIFAX, INC.
State: LA
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:
This account has been closed and charged off since XXXX. They illegally re-aged my account and have been inaccurately reporting this account. They have also refused to delete as a result of the inaccuracies. Instead, they are updating an account when it should be deleted. The open dates are wrong. They reported " payments or OK '' status in XX/XX/XXXX and XX/XX/XXXX when no payments or contact was made. The last reported dates are inconsistent and inaccurate. The high credit balance is inconsistent and inaccurate. As a result, this has re-aged the account to benefit the credit grantor for the charge-off statute of limitations. These are major violations of the FCRA and I respectfully request that this account is deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: ROC Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received several calls from someone named XXXX stating she was from API and was trying to get an statement from me or my attorney. They called my brothers and told them that I listed them as a reference ( LIES! ). I finally called back and they were threatening to take the matter to court to garnish my wages if I did n't make a down payment by the end of the month and monthly payments after that. The debt is real but after reading this is speaking with my mom who had the same experience with them, I now know that this is a scam. My mom was telling me to XXXX them but all that came up were several complaints of a scam with the same or similar stories. I called back to get an address and the address provided led me to a XXXX XXXX. I called back to verify that I copied the address correctly and was reassured that it was correct. When I asked him if they were located inside a XXXX XXXX I was told they were next door to XXXX although the address was the same. I called the XXXX XXXX associated with that address and I was informed that they supposedly had a box inside the store, but if that is true, why was I told they were next door? SCAM SCAM SCAM!!!!

Company response to consumer: Untimely response
Consumer complaint received 2022-07-26
Company: EQUIFAX, 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:
Describe what happen? 

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well. 


What would be a fair resolution to this issue? 

I want all negative items removed from my credit report because you are in direct violation in the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: Direct Cash LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I did not see my complaint listed so I just selected one. I qualified for a loan with direct cash in every way, checking balance, length of employment, verified bank and multiple direct deposits from employer, etc but at the end was denied only because of what I do for a living. They need to publish in bold letters on their website they don't lend to people who work n my field. I stopped looking for the funds i needed because I was told I was approved. XXXX  I am going t be homeless

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX had a long-standing deposit relationship with Chase Bank , even to the point of having a favorite teller with whom she dealt on a regular basis. She also felt close to the XXXX XXXX whose name was also " XXXX ''. Her banking history shows a frugal person whose only large transactions involved charitable contributions prior to these incidents. These incidents should have alerted anyone that they were unusual and deviations from the norm. Knowing our mother as we do, she would have also been very secretive about these transactions.

1. In person purchase of large cashiers checks purchased to send money to strangers whom she had never met ( Seven ( 7 ) separate occurrences from XX/XX/XXXX to XX/XX/XXXX ). 
2. Large personal checks against her accounts to individuals ( NOT charities ) from XX/XX/XXXX through XX/XX/XXXX. In one case, three of these large checks cleared her bank on the same day. 

We filed a lawsuit in LA XXXX XXXX due to the XXXX nature of our conservatorship. The bank was able to get the matter moved to the XXXX XXXX and the case is on its way to being " dismissed '' because we Do not have a private right of action. Our only recourse is to contact CFPB and the media to highlight this issue in the hopes that something will happen to incentivize these banks to take better care of their senior customers. 

We even sent them this information from the CFPB website and their response what essentially, " Not our responsibility ''. 

Elder financial abuse prevention can be viewed to fall within a financial institutions general obligation to limit unauthorized use of customer accounts as well as its general privacy and data security responsibilities. As a result, a financial institution that fails to implement a robust elder financial abuse prevention program risks becoming the target of a CFPB enforcement action for engaging in unfair, deceptive, or abusive acts or practices. In addition, given that the CFPBs new leadership has identified XXXX as a priority area, it would not be surprising if CFPB examiners, when examining banks and credit unions subject to CFPB supervision, look at such institutions programs for preventing XXXX and use the XXXX recommendations in evaluating the programs. 

We have attached all the evidence we filed with the court along with copies of our Letters of Conservatorship and Order of Conservatorship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is I, XXXX XXXX, filing this complaint. The stuff on my credit report is wrong.

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 2022-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am relatively certain someone I know who had physical access to my phone Ive been thru XXXX XXXX  system restore this person new all my apps deleted XXXX for hundreds stole from my XXXX XXXXXXXX my b of a moved money ordered credit cards I just bought an I phone they spied on me listened to my calls took screen shots tracked me harassed me threatening phone calls sometimes fifty times a day b of a didnt flag anything Im really disappointed in them Ive been with them 13 years

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 2022-07-26
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have had my federally protected consumer rights violated by Experian on numerous occasions. According to to 15 U.S. Code 1681b - permissable purposes, nothing should be furnished on my credit report without my written consent, I have compiled and EXHIBIT to show the violations done to my credit report and have attached an invoice for the actual damages done. EXPERIAN has violated 15 U.S. Code 1692e as well, by using false and misleading characters and statements. I have not been able to extend credit or qualify for a loan. They have caused me financial harm willfully and negligently. I have also included 3 affidavits, one which is an affidavit of truth I have sent in the past. By law if the affidavit of truth has not been rebutted line by line then it stands as truth, so why are these negative accounts still on my credit report? Provide my signature in wet, blue ink, signed by my hand ACCOUNTS : BANK XXXX XXXX - {$9000.00} XXXX XXXX - {$16000.00} XXXX - {$6300.00} XXXXXXXX XXXX  - {$12000.00}

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 2017-01-24
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient has been servicing both my XXXX and XXXX student loans, but they keep changing payment methods descriptions, such as XXXX or zip code. My payments are setup to take place monthly via my bank account, so the payments go out ( and can be accounted for ) but the payments never land in the account where they should be paid. XXXX account will get over payment and another account will get no payment. Then they harass me about late payments, of which I resolve and explain their error and fix it. Then it just happens again. This has been detrimental to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I asked XXXX XXXX XXXX XXXX XXXX to not call me during work hours at my work phone number as I can not use work hours or work equipment for anything non-work related during work hours. They have persisted with their calls to my place of employment. The person calling is named XXXX XXXX. They say they are calling about Bank of America but are not Bank of America themselves.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened Amazon Store Credit Card with synchrony bank last XXXXI was using my card responsible and paying it on time however when i was purchasing some goods from Amazon.com and my card was declined.I logged in my account and it was saying " This account has been closed. No further purchases will be allowed. Continue to make payments until your balance is paid in full. '' I directly called the bank and told them there should be something wrong because there was not any problem between me and the bank until they close my account.They advice me to wait 5 business days and i will get mail from the bank that explains why my account closed without any notice.After couple days i received mail from the bank that says " Activity on account ( s ) with Synchrony bank indicative of high risk of failure to pay '' .I called the bank again and requested to talk supervisor for activate my account back because the reason bank provided to me was not acceptable. I explained the supervisor that i am employee of Amazon, also have 2 e-commerce business and most importantly that 8 years of my credit history, i have no late payment at all.She said she opened ticket for this situation and unfortunately i received final result that says they can not be able to open my account back.They advice me to apply again for the same card which i would not do that way. 

As a result.Synchrony bank shut down my account without any notice and unfairly so i could close my account before bank gets any closing action.Because of this situation, my credit score went down more than XXXX points also their inquiry will show up on my credit file 2 years and bank also would not give my any points that i collected with my purchases. I am very upset for this situation since i am in good shape and very responsible person financially. Please help me to get resolve for this situation. 

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 2019-12-31
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made a mistake on putting my son middled name .and he wasent able to get his money i called moneygram at XXXX and at XXXX. An they told me to cancel the transaction because they cant change the name. An that i had to wait 3 to 10 days to get my money back im XXXX  i get ssi an my son is XXXX an he dosent under stand good an he had a fit. I asked money gram i had him in my record of money alreay to please change the name an they said no. I asked to speak to a supervisor i was told the didnt have one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX XXXX XXXX I submitted a a Complaint with the CFPB Report Number XXXX RE : TransUnion that they received as well, In reference to my previous dispute that was delivered on XXXX, XXXX. TransUnion responded back to my Complaint on XX/XX/XXXX, stating that they are STILL INVESTIGATING MY DISPUTE ALONG WITH THE DOCUMENTS I SUBMITTED AND WILL NEED 60 DAYS. THIS IS ABSURD. TransUnion RECEIVED my dispute back in XXXX and this is CLEARLY NOT IN COMPLIANCE WITH THE FCRA as the DEBT COLLECTOR ( S ) HAS 30 DAYS ONE TIME TO VALIDATE/ VERIFY THE DEBT. OR IT MUST BE DELETED. XXXX has provided two amounts as the BALANCE OWED is HIGHER THAN THE ORIGINAL BALANCE which is INACCURATE REPORTING. Diversified Adjustment Service, A REAGE ACCOUNT AND, IS ILLEGAL ACCORDING TO CFPB, and was VERIFIED WHEN DISPUTED. In Addition To, the THE DEBT COLLECTOR ( S ) is the one presuing to collect on the debt and SHOULD HAVE ALREADY ACCURATE/ COMPLETE INFORMATION FOR THE DEBT FROM THE ORIGINAL CREDITOR. THIS IS JUST ANOTHER TATIC THAT TRANSUNION USES TO CONTINUE TO REPORT INACCURATE ACCOUNTS TO MY CREDIT REPORT. ALL PARTIES INVOLVE HAS A PART IN THIS PROCESS AND I'VE DONE JUST THAT. DEBT COLLECTORS MUST FOLLOW THE FDCPA according to the CFPB. I have attached the documents AGAIN.regarding the INACCURACIES OF BOTH OF THESE ACCOUNTS AND, THE DISPUTE PROCESS BY MAIL THAT STATES ON TRANSUNION WEBSITE. I will be seeking legal counsel regarding this.

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 2020-08-03
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Good afternoon, Consumer Financial Protection Bureau. 

Today I received a letter from ERC regarding a collection notice from XXXX XXXX on an account that I have disputed and it was found that it needed to be removed. 

The CFPB Claim No : XXXX Filed XXXX & CFPB Claim No : XXXX Filed on XXXX. 

I have been dealing with this matter since XXXX, We had submitted a complaint with CFPB XXXX XXXX : XXXX. It was requested that the account be deleted. 

on XX/XX/2020. I submitted another complaint on a notice that I received from XXXX XXXX with CFPB Claim No : XXXX. It was requested to be deleted. 

The reporting of this accounting violates the Fair Credit Reporting Act ( including but not limited to section 623-b ) & the Fair Debt collection Practices act ( including but not limited to section 807-8 ). 

I have received threatening letter and call about this account that has already been disputed. 

I really need you help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Company " XXXX XXXX XXXX, XXXX  '' dba " XXXX '' ( XXXX ) requested payment on " one-time fee '' that did not materialize services to Client. Client was informed by XXXX to pay fee using an email online form or XXXX 's legal team would file a claim against Client. Client responded with completed authorization form within due time. XXXX did not process the payment. Rather, after 1 month of not responding, XXXX filed a claim from their legal team to collect more funds.

Company response to consumer: Closed with explanation