BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
Company: Nelnet, Inc.
State: OH
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:
On XX/XX/XXXX, I received a message from Nelnet stating the following : " As you requested, we applied or updated an Income-Driven Repayment Plan for your qualifying student loans. 
Account : XXXX Dear XXXX, Were reaching out to you because : 1. Your qualifying federal student loans have been placed on an income-driven repayment ( IDR ) plan as you requested, or 2. The U.S. Department of Education has directed Nelnet to recalculate your monthly payment amount because your current IDR plan has been changed to the new Saving on a Valuable Education ( SAVE ) IDR plan. The SAVE Plan replaces the existing Revised Pay As You Earn ( REPAYE ) plan. 
Your New Payment Amount and Due Date Your monthly payment amount for your qualifying loans will be {$240.00} For up to 12 months Beginning on XX/XX/XXXX '' ___________________________ As of today, when trying to set up automatic payments from a direct deposit ( to receive the interest rate decrease ), my payment is listed as {$1600.00}. I have no ability to modify this payment, and therefore can't set up an automatic payment. Because of this, I am unable to receive the interest rate decrease benefit. Additionally, Nelnet is indicating that I have no payment due until XX/XX/XXXX. 

I have contacted Nelnet multiple times and have waited on hold for close to 18 hours over 4 calls. No representative can tell me why this is occurring or if it will be fixed. No escalation has occurred, no changes have been made, and their customer service is utterly and completely unhelpful.. 

So, I am stuck making manual payments and distributing the payments by hand across my 11 loans to pay for the interest across each and the principal on higher interest rate loans. And, I am doing this without receiving any benefit from the interest rate decrease. I would like to pay my loans off and this servicer is incapable of allowing me to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX ; XXXX GA XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$8700.00} ; XXXX XXXXXXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023.

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 2023-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Bank Of America called me. Or so i thought it was bank of america. I answered and was told that someone tried to take XXXX $ out of my account through XXXX I said i did not authorize that payment and they had me go through a bunch of steps to XXXX the money back to myself. XXXX $ gone. this whole time i thought i was talking to bank of america becuase their caller id popped up on my phone. I never answer the phone because of scams but since it was bank of america i answered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received notification from Bank of the west debit fraud alert on the morning of the XXXX of XXXX. I responded immediately. 
There were multiple charges from XXXX against my debit card. 14 charges of {$9.00} and 6 at XXXX that had happened close to midnight on XX/XX/23 and into the morning XX/XX/23. 
I checked my email and noticed the fraud alert. 
I immediately called the bank and I reported that they were not my charges. They closed my debit card at that moment. The operator started the process of replacing my debit card. 
Then i looked online. My account showed All charges were still in pending. I contacted the bank again and they said I'd have to wait until Monday when the department was open. 
I called Monday XX/XX/23. They said they would start the process of investigating the charges. they allowed all of the charges to procces and the money to be removed from my account. Approximately 12 days later they reimbursed what at that time i thought were all the fraudulent apple charges. 

Now almost 3 months later they Withdrew the amount that was reimbursed. {$170.00}. During all of this mess Bank of the West was in transion to BMO bank. 

Today XX/XX/23 going back and looking at my account and reconciling. I relize they did not in fact fully reimburse me. The original amount that they alerted me to was {$250.00} They only had reimbursed part of the fraudulent charges. Which I did not realize. And now they have taken that back. 
Needless to say after 25 years I will be moving my banking services away from BMO Harris.

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 2023-04-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX did a pull on my credit profile XX/XX/2023 XXXX XXXX also did pull on my credit prolife I did not request nor did I give permission for this company to obtain any of my personal, and do not give permission for the reporting of my personal 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 non-monetary relief
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem,

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 2023-12-06
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian management or employee working on this case need to be fired How hard is it to pick up the telephone and calls the Department of education how hard is it to get up off your tail call the department of education today I will not comply with any mail sent in the mail. I will not respond to any mail sent in the mail, the law dont require me to the law requires me to file XXXX dispute remove all student loans I have XXXX student loans XXXX student loans what part of XXXX do you not understand I have XXXX student loans Call the department of education right now

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 2023-05-03
Company: Experian Information Solutions Inc.
State: CA
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:
Account Name : XXXX Account Number : XXXX This account is reporting inaccurately and with each bureau. If this account is verified as accurate with each bureau why is each bureau reporting different information? Two are showing this has a charge off and being purchased by another lender while one is reporting as open with a payment balance and past due amount. All are reporting different dates of last payment, different dates of last activity, and different account statuses. I demand the method of validation which was never sent too me in the first dispute.

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 2023-04-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Submitted a request for a consumer disclosure from ChexSystems for it to be delivered digitally to my online portal with them. Have not received the disclosure in a reasonable amount of time.

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 2020-07-29
Company: First Credit Services Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I canceled this membership in-person with XXXX XXXX  in XXXX Michigan in Good Faith in XXXX of 2018. I explained to them that I was in the process of buying a Home in the area of XXXX Michigan which was further away where I would no longer be able to attend as member of their club. The membership at the time was only a XXXX Membership and was simply on a Month to Month basis. They agreed at the time to cancel my membership in Good Bargain Faith out of understanding of my situation without any cancellation fees Required in which I was never entitled to pay to begin with because I never signed any Documents or Contract that stated responsibilities to pay any early cancellation fees. However, something took place outside of my knowledge where a balance of {$220.00} is showing only on my XXXX Credit Report from First Credit Services in which apparently someone from the Original Creditor ( XXXX XXXX  ) chose to disregard the cancellation that was discussed in-Person at the club of my membership and sold what was supposed to be " Cancelled Membership Account '' to First Credit Services as a Debt in this amount of {$220.00} in which I truly feel at heart I'm not responsible for paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: LEXISNEXIS
State: TX
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:
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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Was on the customer support message board with her for like 30 minutes. We tried multiple times to access from divert sources. Could not identify my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: EQUIFAX, 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:
Im filing a complaint on this company for multiple reasons XXXX. XXXX XXXXXXXX XXXX I was in the process of shopping for a new bank account as I pulled my credit I have noticed that XXXX XXXX  XXXX charge Off this account on my credit and I have never received a XXXX form can you please go ahead and send that now. XXXX. To Whom it may concern, While looking at my credit reports I have noticed the following account had a discrepancy in the payment history '' section of the listing XXXX XXXXXXXX XXXX XXXX This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report accurate, consistent and up to date please " DELETE '' this item immediately : XXXX XXXX XXXXXXXX XXXX When the requested above deletions are made, please mail me an updated copy of my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: GA
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:
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 Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 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 explanation
Consumer complaint received 2020-07-29
Company: MoneyLion Inc.
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have made numerous attempts at reaching Money Lion, so many Ive lost count. Ive also attached a copy of my phone records and highlighted each attempt made, with no resolution. Under-stably coronavirus has delayed a lot, and with that comes long hold times. However Money Lions hold times are unbearable. To that end, Ive attempted to chat in and receive assistance with my account to which they conveniently turned the chat option off and advised customers to call in. My issue is that Ive tried to update my payment method for my {$21.00} payments to be withdrawn from and have had no success. Their app has been formatted to make you call in for assistance if you havent made a payment within at least a couple days of your scheduled payment date. I finally get in touch with someone, and get my payment updated and my payments withdrawn. Money Lion in turn reported me 30 days late on a payment, which is completely  false! If they have representatives working to report to the credit bureaus late payments then they should have no problem hiring more associates to pick up their phones. The representative I spoke with sent me a template that offered no solution and I requested a supervisor. The rep advises the supervisor will reach out within two days. Four days go by and I reach out yet AGAIN via chat, to have a paper trial of this entire fiasco. The rep then tells me another supervisor will follow up which Im stuck waiting again! A supervisor by the name of XXXX reaches out, and repeats exactly what the first rep told me. No initiative put in to address my concerns, didnt look into anything, just a simple copy and paste of exactly what the first associate stated. The disturbing thing is how they have my old account listed on the payment history, but they magically got the correct debit card number on file to draft my membership fee from in XXXX. This business has the most deceptive practices known to man. An investigation needs to be launched into how they operate. They reported me 30 days late for the amount of {$80.00} however I only pay {$21.00} every two weeks. Therefore the amount technically speaking would be for {$40.00}. Customer service is just there, they serve no real purpose. Supervisors dont supervise anything, they just reiterate what a precious representative below them advised. Ive requested an executive member to reach out to me in three separate emails and the supervisor XXXX has made every attempt NOT to get me connected. So XXXX XXXX cant assist me with my issue, but also cant connect me with an executive. It is my sincere hope to have my concerned addressed with the proper attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: BROKER SOLUTIONS, INC.
State: VT
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
From the start of the process XX/XX/XXXX, critical errors were made by both parties, people make mistakes. However, more recent events leading up to this complaint, and unanswered questions ; have me very concerned : The Closing Disclosure I received yesterday is missing information on the CHANGED CIRCUMSTANCE DETAIL : Date of Change : // - has Empty date?? 
Explanation of Change : - is missing an explanation! Really! 
( Do n't Lawyers do this part? Is there some loophole being exploited? ) At this point, I do n't trust the lender, and fear any mortgage payments would get botched as well. Now I have ran out of time since the closing has to occur by XX/XX/XXXX, and per the lender, not enough time to use my own Lawyer for Title. Today I hear rates are going up again soon, and the cost for me to refinance now, has gone up nearly {$40000.00}, over the term of the loan. 
I find it hard to believe that this was in the spirit of TRID, RESPA, TILA, or VA program requirements. These are all new terms to me, as of this last weekend. 
Since XX/XX/XXXX, many of my requests, questions, and concerns relating to document accuracy ; were played down and repeatedly ignored, most questions went unanswered. I made grave errors as well, not paying attention to detail, needed to insist on the corrections that I wanted. 
I gave them a copy of my Certificate of Eligibility ( COE ), XX/XX/XXXX. They had my VA Appraisal XX/XX/XXXX, around the time I was duped into signing the Loan Estimate. None of the updated information had ever been put into a revised XXXX XXXX like I had asked repeatedly. I have to wonder, are these poor people just stressed out and overworked? 
My rate lock had expired XX/XX/XXXX and I was led to believe everything would get corrected. Well into XX/XX/XXXX, they insisted I needed my XXXX, even after I had information confirming the COE was all I needed. I gave them the number, and followed up numerous times, did the UW ever call? ( XXXX ) I will become an expert before I ever try this again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Colony Brands, 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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: MD
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 XXXX Account # : XXXX and XXXX XXXX XXXX XXXX has violated my rights. 

15 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE RECENTLY OBTAIN A COPY OF MY CREDIT REPORT AND NOTICE THESE FRADULENT ACCOUNT ON MY CREDIT PROFILE. I TRIED CORRECTING THE ISSUE WITH CREDIT AGENCIES AND HAVE BEEN UNSUCCESSFUL.

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