BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Problem 1- I have been an checking account holder in Bank of America XXXX XXXX, and when I moved to XXXX XXXX XXXX, I made my account online only for ease of use. I was using the account regularly, with last login on XXXX. In XXXX, XXXX & XXXX of XXXX, I get XXXX emails from Bofa that I have to update my account information with my latest address, which I do. Sometime in XXXX, I try to login to my account, but I am locked out. I call Bofa customer care, and to my shock, they say that my account is closed by them, money has been zeroed out and cashiers cheque is sent to my XXXX address! There was absolutely no notification of closure of the account and sending of the cashiers cheque. 
Problem 2- So I find out that the cashiers cheque was made on XXXX/XXXX/XXXX, I was informed of this after I called them and not the other way around. The cheque is void after 90 days, but reaches me after 45 days, around first week of XXXX. When I call them that I have received the cheque and request if they can just reactivate my account and put the money back in my account, they refused to do it. They suggest I should encash it in XXXX itself. 
Problem 3- I give up on BofA and go to my local bank in XXXX XXXX They process my cashiers cheque on XXXX XXXX, XXXX and send it across to Bank of America, where it has been received as of XXXX XXXX, XXXX. Yet, there is absolutely no response from Bofa on the status of my cashiers cheque. I also hear from my bank here XXXX XXXX Bank ), that there are XXXX such cases along with my cheque, with bank of America 's cashiers cheque along with the same envelope. 
So, for the last 3 or more months, bank of America has made my money disappear, without my permission, and has not even bothered do respond to my bank from XXXX, after I have gone through so much trouble! Today it is XXXX XXXX. XXXX is supposedly void XXXX XXXX, but that is beside the point. It is my money, and I have had no access to it and I do not see any signs of getting access to it either.

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 2017-02-23
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
State employees credit union of NC has an account that 's not mine.

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 2022-02-21
Company: Credit Karma, LLC
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my Credit Karma spend account was locked. The amount is showing as - {$20.00} dollars. The money had been pulled back from my externally linked bank account but before I could resolve the issue, my account was temporarily locked. Despite 6 attempts to get customer service to look into the issue nothing has been resolved. I have my tax return being deposited and I was told that if the account is not unlocked before then it wil get rejected and sent back. I would like a solution ASAP! I have looked into this to see if others have had this same issue with Credit Karma and it seems many others are in the same position with some being unable to access their money spend accounts for MONTHS for " fraud prevention ''. I DO NOT HAVE MONTHS TO SIT AROUND AND WAIT. I want my account unlocked NOW!!!! The people in the customer service do not care nor will they respond to my emails. I have verified my identity, I have done everything!!! Please help me unlock my account. I desperately need into this account. I have already sent the documents into an encrypted link, and the following case numbers XXXX & XXXX as well!!!! Ive submitted proof multiple times and Ive also already given them an explanation on the XXXX filed on XX/XX/22!! I have already submitted other identifying documents on XX/XX/22 to case number XXXX & XXXX. I also submitted a copy of my utility bill and my Social Security card as well. The reason for the XXXX return on my account was because my bank account did not have sufficient funds available, so it rejected the funds, however I do now have sufficient funds so I can deposit the money as soon as my account is unlocked! i also sent the right account statement, the account number is in the top right corner!!! they stated that the external bank account linked was incorrect but I have proof on my statement of the money coming out of that bank account number they are just trying to avoid me and avoid unlocking my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Maximus Education, LLC dba Aidvantage
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In 2017 my loans were transferred from XXXX XXXX to XXXX in hopes to get the Public Service Loan forgiveness. Since 2017, XXXX has not worked with me on payments. Anytime I would call they put me into forbearance. This has hurt the PSLF drastically. Ive been a XXXX XXXX XXXX  for 10 years. Im having to file my taxes married and separate to afford my loan payments. This makes my husband and I loose our tax benefits with having a child. Recently my loans have transferred over to XXXX. You can not get in contact with anyone. Hours in the phone. All they will tell you is we are updating counts but if can take up to 9 months. This is ridiculous! Ive been out of college for 10 years and it is showing Ive only made 33 payments. This is why people give up with the PSLF process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act convergent account number XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy and 15 U.S.C 1604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

XXXX XXXX XXXX  {$980.00}

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 2020-08-16
Company: ERC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
One of the three major credit bureaus, TransUnion, may maintain a wrong record of my date of birth. The wrong data of my identification made me being rejected in many situations. As a real case happened in XXXX, I was unable to get Internet service from XXXX. I first applied via phone calls, all agents failed, and suggested me to go to a solid store in person. I did so, but failed again. My problem was escalated a couple levels in my 3 hours waiting there. Even the store manager keyed in his own privileged code trying to surpass the blockage, their system wouldn't let him overwrite the mismatch between birth year XXXX on driving license vs. birth year XXXX from credit report. I asked which one of the 3 major credit companies provided that wrong data? The store manager replied it was confidential, they were not allowed to reveal it. I understand that your organization advises us to first try contacting directly involved company for resolution. But in my case, I really dont know which company to file complaint with. I wish you would be willing to offer help to me. Any help from you shall be highly appreciated.

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 2022-02-21
Company: EQUIFAX, INC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got my credit report an seen things on my credit report that was not my doing I wrote the company & credit Bureau a few times and nothing happen the last time I wrote was XX/XX/XXXX an nothing still DIDNT happen its fraudulent activity on XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX open XX/XX/XXXX is not mine & the same account is said to be open on XXXX/XXXX/XXXX on equifax. First off the account is not minethen hows the same account open on 2 different dates that should raise red flags for a company as big as XXXX XXXX XXXX equfax then on XXXX XXXX it says last reported XX/XX/XXXX then last reported XX/XX/XXXX on equifax? Then it says date last active XX/XX/XXXX on XXXX XXXX? how was it last reported XX/XX/XXXX but last active XX/XX/XXXX a year earlier than it was last reported?? Can you please remove this off my credit report immediately please

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: LendingPoint Holdings LLC
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went to the following website.    XXXX   XXXX   XXXX    XXXX . Looked at several pre-qualified offers and did not like any of them with insane rates of 30 % being offered so I did not apply.  XXXX  it seems sent my information to  LendingPoint, LLC Telephone nu mber :  XXXX .  LendingPoint th en submitted an application without my consent. I called them and they told me there was nothing they could do to help and the credit inquiry would fall out in two 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 2020-03-03
Company: Big Picture Loans, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am being charged 548.4948  % interest on a {$1000.00} loan. I learned only after accepting the loan agreement that this was an illegal practice in my state of Ohio and that the maximum interest rate allowed is 28 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account number XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy and 15 U.S.C 1604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX {$980.00}

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 2020-01-13
Company: EQUIFAX, INC.
State: NJ
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:
I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-12
Company: First Credit Services Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I monitor my credit regularly and this time I pulled my credit report and saw that First credit Services reporting that I owe a debt in the amount of $ XXXX.I disputed this with the credit bureau and it came back as 'Account Information disputed by consumer ; meets FCRA'.This is not my debt and I want it removed. I have never signed up nor have I ever stepped foot in a fitness center! This is not a debt of mine and I am demanding that it be removed immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was in the United States XXXX and applied for a XXXX credit card to shop at XXXX XXXX. My credit limit was {$6000.00} and I was owing about {$5000.00} when I fell behind in my monthly payments. About 4 months or so later, I sent in payment but it was returned and I was informed that it had been sent to a Collection Agency. When I contacted that Agency, I was informed that the amount due was about {$9000.00}. All attempts to get them to explain why they kept tacking on amounts without a court order proved abortive. The file changed hands several times and each time, the amount went higher and higher. 
These various companies added more than {$12000.00} to the original amount and the current Collection Agency - Transworld Systems , Inc filed to garnish my retirement pay in the amount of {$17000.00} and has been collecting {$140.00} for almost 4 years now. They have collected more than {$7000.00} to date and yet, they are not prepared to stop. 
Please help me checkmate this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I cosigned for a private student loan XX/XX/XXXX for my brothers wife. They split up soon after and divorced XX/XX/XXXX. She has paid the loan and been behind on payments as well. The loan has gone from XXXX XXXX to Navient. It 's has been XXXX years. She had also put the loan in deferment, I believe for 2 years .This I did n't know about until recently. She is grossly behind on her payments and Navient is coming after me. My credit score has taken a nose dive. I had excellent credit XXXX now to XXXX. I should of been released from this mess along time ago. The divorce alone should of been enough. I have never made any payments for her and we do n't stay in contact. I have n't spoken to her in 9 years. Now I have to contact her to see what has been going on. This loan should of been on its way to a pay off point or fairly close. Her balance is XXXX. What has she done in nine years? Now I 'm paying for it literally. I have not paid a bill late in XXXX years and I took pride in having great credit. Now I 'm contesting my credit score with XXXX and XXXX. This is crazy how in 2-3 months a person can be ruined. Well I 'm fighting back this is not even close to being right or final. I do pay my bills and I mean my bills. Navient needs to work with her instead of going after someone else for payment. She was making little payments like XXXX to XXXX a month claiming that is all she can afford. Now is n't that better than the loan going into default and getting nothing at all. I know one thing I want to be released from this loan and I wo n't be making this on time payment. I have never made one payment for her and I wo n't start now. I have helped my daughters in the past with student loans and they managed to pay them off themselves. I 'm not related or know this person anymore. Help what can I do? Is there anything? My ex sister in law has agreed to try to have me removed from the loan. Not much of a chance in that I 'm sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
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 recently received a copy of my credit file from three major credit bureaus and contain inaccurate information by your company. The report contains an amount of : {$670.00}. And {$960.00} Account # XXXX. I did not make or authorize this charge. 
I am requesting that the charge be removed on all accounts from your company record and remove ASAP from three major credit bureaus. 
Disputed Account # XXXX Original Creditor XXXX XXXX XXXX  XXXX XXXX. 
Total Amount Claiming : {$670.00} and {$960.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: EQUIFAX, INC.
State: FL
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 credit bureau is reporting inaccurate account and payment information as it pertains to a XXXX XXXX XXXXXXXX account that is listed on my credit report. The account number for that XXXX XXXXXXXX XXXX account is XXXX. I have disputed the accuracy of this account numerous times and pointed out to the credit bureau why it is reporting inaccurately and they have done nothing to fix it but continue to report the same inaccurate information. 
With that in mind I am therefore exercising my rights under the Fair Credit Reporting Act and asking this credit bureau to provide me with there method of verification showing that this account is reporting on my credit report accurately. I am requesting documentary evidence provided by the creditor to you showing that this account is reporting accurately on my credit report as it is not reporting accurately. The law gives you 15 days in which to provide me with that method of verification. The fair credit reporting act says that if you are not able to provide me with that method of verification within 15 days of you getting this request then this item should be deleted from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: SC
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:
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 15 days. 
See the documents attached.

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 2020-08-16
Company: NAVY FEDERAL CREDIT UNION
State: VA
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:
Navy Fed reporting a closed account Closed account with balance and past due balance with monthly payment showing not to mention its different Account numbers with different truncations showing across multiple bureaus. 


XXXX XXXX XXXX If I didn't believe in mistakes I might have thought they were misreporting this account on purpose but I have numerous open and closed accounts with Navy Federal all in good standing so I know its a minor mishap in there part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Netspend Corporation
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
Unauthorized charges on my account disputing but netspend is keeping me in thebdark with no info poor communication and customer service

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