BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/23 I submitted an application to Nelnet for the SAVE income driven repayment plan. My application has been listed as completed on the federal atudent aid website for months, almost immediately after the application was submitted, but the Nelnet website said it was still processing. I never once received an email or a letter or any type of communication detailing what else I needed to provide. A few weeks ago I read on XXXX that proof of income XXXX need to be submitted so I did that and then the date of my application on Nelnet changed to saying that my application had been submitted on XX/XX/23. I logged in today and it said that my application was pending payment and I needed to check a recent letter or email to see the details of that payment. I have received NO letter or email from Nelnet during this entire process and I still have no communication regarding the status of my SAVE application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: AL
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 following inquiries do not belong to me and tried multiple times to remove them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XXXX I deposited 2 checks totaling {$900.00} into my corporate account at Bank of America. This was at the branch located at XXXX XXXX XXXX XXXX, XXXX, OR. 
I wanted to pay myself back some money that I had loaned the company, so I wrote myself a check for {$400.00} and wanted to cash it. 
I was asked by the teller if I had a personnel account at Bank of America. I told him that I did not, but was the signatory on the corporate account. He said that without having a personal bank account, that he had to charge me {$8.00} for cashing the check. I could withdraw {$400.00} cash for free, however. I said that I wrote a check in order to document my withdrawal from my corporate account. Nevertheless, he said that he would have to charge me. So I withdrew {$400.00} cash and left. 
If I write someone a check from my corporate account, that means that I want to give them some money that I'm holding at the Bank of America. The Bank of America is holding MY money. I don't care whether the person has a bank account there, I want them to have the full amount of the money I pay to them. Not everyone has a bank account, and they shouldn't have to. 

I believe that this {$8.00} fee is unfair to both my corporate account, and the person that the check was written to.

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 2023-10-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account to be removed from your credit report In accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX, Account XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a customer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: Experian Information Solutions 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:
The credit score Experian presents to me on their site, where I login, is not the score Experian shares with an institution using their services, be it soft or hard pull, to check my score. The score differs by XXXX points! I felt confident enough even with a weak score of XXXX to apply for a refinance on my vehicle. Come to find out Experian reported to them a current score of XXXX. Now I have yet another hard pull on my credit. This is not the first time Experian has deceived me. As an individual with XXXX, I believe the information from one of three possible credit lords should be accurate. They are quick to inform me about a hard pull but not so much on building a false sense of confidence whilst remaining ever loyal only to the system they answer to

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 2021-01-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The merchant XXXX  has issued a refund on XX/XX/XXXX to my Citibank Costco visa card. It is XX/XX/XXXX now and I still have not received my credit back on my card. I have called Citibank multiple times and they said they do not see anything from their end. I have documents from XXXX showing the refund was issued already.

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 2021-01-04
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Nationstar/ Mr. Cooper did a loan modification & they added thousands & thousands on to my mortgage they mishandled my modification then put on my credit report I missing payments not true & sold my loan to XXXX XXXX for more then I owe. Still has much on my home loan as I did when I first bought the home in 2006??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My wife and I went on a leisure trip for about three weeks to XXXX starting on XX/XX/XXXX and returned to USA on XX/XX/2019. While we were vacationing one of our personal checking accounts was hacked and all funds wiped out by a criminal activity. 
Meanwhile, our second checking account with JP Morgan Chase was overdrawn due to a none authorized payment submitted by XXXX and allowed by Chase Bank in the amount of {$840.00}. My wife did call Chase customer service for over 6th times explaining each time to a different representative the situation and to be able to stop the account until we were able to figure out the situation. Some Chase bank reps were frivolous in there answers and never offered a real solution ( only one representative did offer help on reversing all fees after the account was brought up back to good stand ) Today XX/XX/2019 I wanted to fix my checking account with Chase Bank, but before we made any deposits my wife decided to speak one more time with chase customer service just to make sure our none sufficient fund fees were going to be reversed as promised by one of chase representatives in previous conversations, However, this time we got informed by chase representative that we had options since day number one when the account was overdrawn for the first time and consisted ; number one, we could freeze the account, number two, go to a local branch and change the account and number three cancel all automatic payments as well as file a police report none, of these steps were informed in our six phone calls made to the customer service, on the contrary all payments were rejected for insufficient funds and a subsequently none sufficient funds were assessed each time, 11 times {$34.00} swelling the already overdrawn account. This could it be avoided simply by having the courtesy to explain to the customer what was already disclosed above the first time the incident occurred. We believed this is an unfair practice done by Chase to diminish funds and to collect fees upon fees without no reason, placing us in a financial distress that was aggravated by the hacking of my wife 's identity rendering the debacle on the situation we are today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$6700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: Maximus Education, LLC dba Aidvantage
State: NY
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:
I just restarted paying my loans with Aidvantage as of XX/XX/XXXX. I was told that to qualify for the XXXX repayment plan, which detailed no interest will accrue as long as I make payments, I need to consolidate my loans. I started the consolidation process on XX/XX/XXXX and have been charged interest weekly, with my loan balance going up several times over the course of the same month, XX/XX/XXXX. I have even made several payments this month and my balance keeps increasing with new accruing interest after each payment. 

My starting balance was {$190000.00} on XX/XX/XXXX. I made a {$25000.00} payment on XX/XX/XXXX, and my balance went to {$160000.00}, however should have been {$160000.00} ( so interest of {$23.00} over the course of a day ). I then made another payment of {$25000.00} on XX/XX/XXXX, and my balance went to {$140000.00} ( so another interest charge of {$70.00} over 2 days ). I made my last payment on XX/XX/XXXX of {$25000.00} and my balance went to {$110000.00} ( so another interest charge of {$84.00} over 5 days ). 

Aidvantage is wrongfully collecting interest even though I am making regular payments and the loans are in the process of consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
After working extremely hard to fix my credit for years and busting my XXXX to make money I finally had the chance to apply for a Chase credit card. After I filled out my most recent application on XX/XX/XXXX they requested documents on my income. I uploaded documents of my accounts and never heard anything back. I called a couple times to get updates but finally on XX/XX/XXXX I was able to get some information. Everything I sent them wasn't good enough. The money is there and the income is there. I have offered to send them anything they need but nothing I offer is good enough. They are asking where the money is coming from and I tell them over and over the money comes from options trading and stock investments. All of the information is in my accounts. I have offered to send them detailed information of all of my buying and selling but they say no, you need tax returns. I will not have tax information for months and they know this. Every piece of information I offer them isn't good enough. This is insane. I am being discriminated against. They know exactly what to ask for that people can not get. They are professionals at discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
Hard inquiry was made. I did not authorize this to happen.

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 2021-01-12
Company: JPMORGAN CHASE & CO.
State: NC
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, JPMCB - CARD SERVICE add a hard inquiry on my credit reports. On XXXX. XXXX, XXXX, JPMCB - CARD SERVICE add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX  add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I, XXXX XXXX, leased a new XXXX BMW XXXX on XX/XX/XXXX. Did a lease transfer on XX/XX/XXXX, approved and authorized by BMW XXXX. I, the original lessee, signed the transfer agreement on XX/XX/XXXX, the new lessee, XXXX XXXX signed the agreement on XX/XX/XXXX. The transfer was then completed. I then shipped the vehicle to XXXX. the transfer agreement is now exhibit XXXX. 
XXXX then went to California XXXX on XX/XX/XXXX, filled out a vehicle/vessel transfer and reassignment form, without my knowledge and consent, said the original title owner was me ( should be under BMW XXXX XXXX, forged my signature and did a questionable title transfer to himself, XXXX then XXXX the legal title owner to the BMW XXXX XXXX the vehicle/vessel transfer form is now exhibit XXXX. 
BMW has now repossessed the vehicle, and BMW financial  has now sued me for : 1 : fraud 2 : breach of contract 3 : common count 4 : declaratory relief 5 : quiet tile 6 : injunctive relief amount of claim {$73000.00}. in addition, BMW is trying to rescind/void the lease transfer form which both original and new lessee signed and approved by them, on XX/XX/XXXX. 
BMW financial has never try to reach me regarding this matter. my phone #, email and address has not changed. I only found out about his XX/XX/XXXX, from the complaints served by XXXX XXXX XXXX XXXX XXXX. 
I have not breach my contract. credit report shows my account opened with BMW on XXXX was closed, paid and never late. I have not transfer vehicle title ( it's impossible because it was a lease ) lease assumption was approved by BMW financial. they have no right to rescind/void signed contracts at their own free will. 
according to exhibit 3, the lease transfer agreement was signed by me on XX/XX/XXXX. after that date lease is transferred and I am no longer responsible for the vehicle. BMW is now trying to blame me for their mistake, rescind the transfer, make me responsible for the remaining lease payments, pay for their damages and attorney fees while the vehicle is in the possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
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: Information belongs to someone else

Complaint:
Hello, I think there is a big mistake in my report as I found accounts that I do not recognize you know?! I have no idea how these items ended upon my credit report. I do not have any contracts or agreements with these companies actually so delete these accounts from my report. I am requesting you to remove them as its pure identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 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 2021-01-04
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: MD
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:
( AMERINATIONAL COMMUN ) IS REPORTING LATE PAYMENTS ON MY CREDIT REPORT THERE ARE A COUPLE ERRORS ON MY CREDIT REPORT WITH LATE PAYMENTS DURING XXXX, XXXX, XXXX AND XX/XX/2020 I WAS NOT LATE ON THESE PAYMENTS I ALSO HAVE A XXXX BALACE ( XXXX XXXX ) HAS A 30 DAY LATE ON MY CREDIT PROFILE I HAVE NEVER MISSED A PAYMENT WITH THEM

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