BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-05
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
See page XXXX of attached .pdf and the last sentence in particular. It discusses IBR as the third option that affects an outcome, and also as it was intended to be used. It is a XXXX creation in retrospect as viewed from XXXX. It has been misused by colleges and servicers alike, since XXXX. The 57 % default rate requires a forensic audit by the federal government in order to see how both colleges and servicers manufactured huge default statistics when income dropped to zero for many students during unemployment, due to the so-called Great Recession. The IBR form, was in this attachment, already set up for failure in distorting income information as this describes in detail in the .pdf. By XXXX, servicers compounded that distortion by reaching back into irrelevant earnings from previous years for unemployed students approaching a Government Shutdown, who had an immediate qualification status, due to XXXX unemployment. It matters not what happened in years past. No bearing on cureent income. Yhe .pdf talks abbout a four-year income. What? Where is the reality check in XXXX, given that thinking? The 57 % default rate was no accident! Those students - like me who qualified with XXXX other servicers holding a fist full of loans - were denied by a XXXX servicer based pn the same identical income answers. That bogus income verification fed an agenda by servicers to do a metadata grab ( that XXXX would envy ) in requesting instant access to IRS data when that had no bearing on students who were unemployed filling out IBR forms annually. The problem with government forms, like the IBR form, is that only the current status of students is relevant - and not necessarily provable - to the IBR. Preventing default was not part of the objective. It should have been priproty # 1!!!!! No oversight to stop defaults by overzealous illogical servicers. Only manipulation of income afformation was. That was a false premise. Record numbers of students are unemployed, qualified for IBR and unable to " prove a negative '' ( absence of income ) using the IRS. XXXX is not taxed. That is the problem. The unemployed served to create the 57 % to get faster information about the 43 % the next year. Problem : once again, faster information from the IRS is not what the decisions are actually based upon. They are based upon previous years thst have no bearing on the current income of the student debtor. The CFPB should take this XXXX .pdf and the XXXX statistic and see which colleges and which servicers misused the IBR and do an autopsy on how the defaulted loans were defaulted on students who qualified. This is outrageous!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I was unable to maintain a reservation with XXXX HOTEL in XXXX Florida due to an XXXX which would require emergency XXXX as soon as possible. The XXXX indicated that I should not fly before the procedure and that the procedure would need to be conducted under XXXX. 

I would like to also point out the following statement contained on the documentation supplied by the XXXX HOTEL : " Please note that this special rate requires a full pre-purchase, non-refundable deposit at the time of booking '' My monthly statement reflected a deposit in the amount of {$30.00} that was both credited and debited in the SAME DAY. However, the XXXX HOTEL instead charged the entire value of the booking. At no point during the booking process was it ever stated by the merchant that the entire booking was non-refundable. The {$490.00} amount charged to my AMEX account was the FULL COST OF THE BOOKING NOT A DEPOSIT!!!!! It appears that the XXXX HOTEL deceitfully credited back a deposit ( {$30.00} ) in an attempt to extort the value of the entire booking instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: AES/PHEAA
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
AES advised on a phone call that I recorded that my wages will be garnished but on a private loan unlike a federal loan, they will have to sue in court and obtain a judgment in court. Per Illinois law, they will have to prove that NCT owns this debt and has the right to collect on it. I have multiple recorded calls from AES where they are giving out incorrect information. The call on XXXX/XXXX/16 the rep told they will garnish my wages, he should understand there is a difference between private loans and federal loans, with private loans NCT will have to sue me and obtain a judgment. I have the call recorded as proof therefore AES is committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Violation of mortgage. 
Mortgage FRAUD

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 2020-04-15
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a wage garnishment for XXXX XXXX XXXX, that is being garnished from my paycheck every two weeks. when I recently called Pressler and Pressler to see what was still owed I was informed that Im also being garnished for a credit card XXXX XXXX. I never was served. When asked what address the processor served the papers I was told an old address on XXXX XXXX in XXXX. But papers for the hospital came to XXXX XXXX XXXX XXXX in XXXX NJ. She said its a linked judgment, I was only informed about XXXX  XXXX  being garnished from my paycheck not XXXX XXXX. You cant have a linked judgment with a credit card and a hospital bill that is from two different entities. I just recently asked for validation of debt and disputed the debt as well. I was told the debt is almost paid in full and I shouldnt stop paying. But its a wage garnishment that was suppose to Be for XXXX XXXX XXXX only. She also told me the debt came into their office one year apart. This is in violations of the FDCPA underhanded collection practices. Collecting on two debts but making it looks as if its one debt. The collector told me I have been paying in this for years. And she never seen this happened before. If I didnt inquired about how much is left in this debt I would have never known I was also paying on the same wage garnishment a credit card. From my understanding in the state of New Jersey you can only have one wage garnishment so they combined the two to make it look as if its one without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: TN
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:
The company still reporting unverified and inaccurate information as verified and accurate, despite letters I sent to the company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX disputing, the first account with original balance of XXXX ; the second item with original balance of XXXX ; the third item with original amount of XXXX ; the fourth item with original balance of XXXX and the fifth item with original amount of XXXX. The company sent 4 responses stating the information I disputed are verified and accurate and was updated without performing any investigation, because the company kept send me a report with same information.

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 2017-01-26
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I only attended the school for less than 6 months. Could n't do the work and was getting no help and then the Dept of education investigated the school for fraudulent loans which then resulted in them closing the school down. XXXX XXXX was where my loans were then Navient started harassing me saying they took over the loan and would n't work with me even though I had already started working with the federal student loan filing a discharge of loan due to school closure. Navient then without service of paper work filed a case against me and managed to get a lien to take all of my money from my bank account. No notice was given, I found out when I was checking my balance and seen no money and I called my bank. I then called XXXX XXXX and filed an excemption and had to wait 15 days to see if Navients attorneys would oppose it, they never did so my money was released but now I have to figure out how to close the court case against me. All this time Navient would n't speak with me and the attorneys would n't send me any documentation showing me why they filed against me. They were rude and irate with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: TX
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:
Hi my name is XXXX XXXX. I have never done business with neither am I liable. I do not have a signed contract nor any type of contract with. I have the right to demand and see the contract between and myself! Please send the proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
According to 15 USC I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 

FCRA Section 623 Debt Disputed, XXXX XXXX has failed to report it as disputed. 

FDCPA Section 805 ( b ) XXXX XXXX has contacted 3rd parties in XX/XX/2021, disclosing loan information to XXXX individuals, thus XXXX violations. 

FDCPA XXXX XXXX AND XXXX U.S.C. XXXX ( XXXX ) - Harassment or abuse. XXXX XXXX, Account Control XXXX for XXXX XXXX XXXX XXXX called my family member toxic, rude, a bad human being, condescending, a negative person and then told her to think about herself, wait 30 minutes and call back with a retraction and apology.He told her he had been in this business for 40 out of his 60+ years and that she was one of many liars who he had talked to over the course of his career. This occurred on XX/XX/2021. 

XXXX XXXX  has taken adverse actions toward me pursuant to CFR 1026.13. CFR 1026.13 and now forfeits it's right to collect the disputed amount as described in 15 U.S. Code 1666 ( e ). pursuant to CFR 1026.13. CFR 1026.13.

15 U.S. Code 1681b ( a ) ( 2 ). A consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. By definition XXXX XXXX has committed identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a home equity loan with Regions Bank XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX dollars and was turn down. I was given no understandable reason, I asked for the reason in writing. Which I have not received.

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 2017-09-09
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Please see Unauthorized inquiries from XXXX on XX/XX/XXXX and XX/XX/XXXX. Please remove from my credit file as these inquiries are unauthorized and without my permission.

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 2022-05-13
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Email regarding a GE Capital going to sue me for a debt that is 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 2020-04-15
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a decade worth of fraud on my checking and saving accounts. I have proof that my devices were all hacked ( mobile device management ) but I am not understanding why NC SECU didn't catch the fact that my account was spending money in 2 cities, 2 countries, 2 states at the same time for the last decade. Also, no one was checking ID 's because there were large withdrawals at branches that were not, and could not be me. 

This created a substantial loss of funds due to the fact my " hackers '' ( ex-friends ) were laundering student loan money not only for me, but for others.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Other

Complaint:
Bank of America took {$4700.00} out of my personal checking account today without my authorization. I called to get information as well as get my money back, they told me it was for an unpaid business credit card I opened in 2014. I told them I never opened a business or personal credit card with them and to put the money back into my account and conduct an investigation. They told me they will conduct an investigation in XXXX to 90 days and will not give me my money back until the investigation is complete. I feel helpless and I do n't know what to do. Please help.

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 2022-07-20
Company: EQUIFAX, INC.
State: FL
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX ( Listed over XXXX ) Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # XXXX Have violated my rights. 15 U.S.C 1681 ( a ) ( 4 ), FCRA section 602 A ) states I have the right to privacy. 15 U.S.C 1681b-a ( 2 ) ( Section 604 A Section 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes ( they may only report crimes, not debts ) which antedates the report by more than seven years. 15 U.S.C. 1981s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by EQUIFAX regarding a Charge Off account XX/XX/XXXX# XXXX. This account was charged off in XXXX and closed. 

EQUIFAX violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$1400.00} and a High Balance/Credit of {$1600.00}. A Charge Off/Close Account must show {$0.00} balance. 

2. Delete this account, because it shows a Past Due Amount {$1400.00} and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported consecutively as Charge Off - L in XXXX, XXXX ; XX/XX/XXXX ; XX/XX/XXXXyear ; XX/XX/XXXX year ; Shows {$31.00} Schedule Payment Amount. A Charge Off/Close Account must show NO Payment history, consecutively as L or monthly payments reported on my credit report. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my EQUIFAX Credit Report and circled the violations, EQUIFAX violated in red color. 

EQUIFAX must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Someone opened this account with my information and received the list of transactions sent to me, but I did not even live in Florida at that time. I was in the XXXX XXXX studying and they sent me proof even of a payment that I have no idea where it went. I would like to be shown where I sign? Where I applied for that account because if not, they were removed from all the credit agencies immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: GreenSky, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
GreenSky Financial is trying to collect a debt that I never agreed to, and that I cancelled within three days, and is ruining my credit. 

A salesman from XXXX XXXX XXXX came to my door to sell me solar panels. He told me a bunch of information that turned out to be false, including about whether the solar panels would save me money. The salesman told me the panels would power my house, but XXXX XXXX XXXX told me later the panels were not sufficient to power my house. 

I never signed a loan agreement, but in XXXX 2013 I received loan documents from Greensky Financial claiming I owed {$17000.00}. They sent a loan agreement without my signature, and I never signed any agreement. 

I sent a notice of cancellation on XXXX XXXX, 2013 to XXXX XXXX within three days of signing the application ( I never signed a loan agreement, only an application and paid an application fee ). But then I received a statement claiming I owed GreenSky {$17000.00}. Later I found XXXX XXXX installing solar panels on my house. I immediately asked that they stop, I asked the VP of the company for them to stop, and even reported them to the county, but they did n't stop. 

GreenSky is now reporting on my credit report and it has ruined my credit. I have been denied for refinancing my house as a result of the GreenSky reporting. I have asked them multiple times to remove the reporting and waive the debt since I never signed any agreement and they have refused. I disputed with the credit reporting agencies but they claimed GreenSky verified the debt. 

I found help from a legal services attorney, and GreenSky will not provide him with any agreement that they claim I signed. They are completely non-responsive but are still ruining my credit. 

I did n't agree to borrow {$17000.00} and I submitted a notice of cancellation as soon as I saw they were confused. Now my credit is ruined. The stress of this situation has caused my health to deteriorate. My XXXX has XXXX and my XXXX has gotten worse. I always took pride in my credit and GreenSky has ruined it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-15
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Heartland ECSI serviced my student loan for XXXX XXXX XXXX XXXX, account XXXX. I refinanced my loan, and following the instructions by the lender, I continued making my payments while my refinance application was being processed. The process completed, and my loan was paid off. In the process, there was also an excess payment of {$80.00}. I have been trying to contact ECSI to get this refunded, and I have been getting the run arounds phone tag. They sure are quick to add any unpaid interest and report to credit bureaus for any late payment, but I can't get a simple refund of {$80.00} that is owed to me.

Company response to consumer: Closed with explanation