BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: BILL.COM, LLC
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
My Bill Spend account was opened on XX/XX/2023 According to the terms of the promotion. I was supposed to receive a {$50.00} XXXX gift card when application has been accepted and approved. It's been more than 30 days and I have yet to receive the XXXX gift card. Below are the terms Terms & conditions : Our goal is to show you XXXX so you can see the benefits to your organization firsthand. Were happy to give you the {$50.00} XXXX XXXX XXXX when you sign up for XXXX if you meet the required qualifications. This offer is available only to Qualified Individuals XXXX  years of age or over. This offer is available to US Residents who live within the borders of the continental United States. To receive this offer, applicants must sign up, as specified below, on behalf of a company they are authorized to represent using the designated XXXX landing page. A qualified Individual is a verified business decision-maker or influencer Including ( but not limited to ) owners, founders, administrators, controllers, C-level executives, VPs/Directors/Managers, and other senior roles that can help implement or recommend a solution like XXXX. We are seeking business partners that are established and can benefit from the full line of XXXX features. To receive this offer, you must open up a line of credit with XXXX with a XXXX product representative to sign up you must fill out an application, be accepted by the XXXX team, create your account in the XXXX product, and have an open line of credit. Note that this offer is only available to new XXXX customers applying for a new XXXX account. This offer is not applicable to existing customers. The XXXX XXXX XXXX associated with this promotion will be shipped to Qualified participants within 30 days of signup. Emails will be used to confirm the delivery details, which will be sent directly to the designated email address of the demo recipient ( U.S Only ). No purchase is necessary. This offer is available for a limited time, while supplies last. XXXX reserves the right to discontinue or change the terms of the offer at any time, subject to applicable law. Offer may not be used in conjunction with any other offer or promotion. Credit lines and the advertised range are not guaranteed and will be determined upon application approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: Experian Information Solutions Inc.
State: MO
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'm demanding that the following closed accounts be removed from my credit report, ( 1 ) XXXX XXXX XXXX   Credit Card, this is an unknown authorized user inwhich I have no knowledge of. 
Also please remove this closed account ( 2 ) XXXX XXXX Credit Card -- closed

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 2023-10-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a XXXX charge off account reflected on my credit report That I have no knowledge of. XXXX has refused to provide debt validation despite several requests I have made.

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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX XXXX # XXXX 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.

Section 807 ( 10 ) prohibits the " use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. '' 3. False statement or implications. A debt collector may not falsely state or imply that a consumer is required to assign his wages to his creditor when he is not, that the debt collector has counseled the creditor to sue when he has not, that adverse credit information has been entered on the consumer 's credit record when it has not, that the entire amount is due when it is not, or that he can not accept partial payments when in fact he is authorized to accept them.

FCRA 623 ( a ) ( 1 ) ( A ) reporting of information with actual knowledge of errors XXXX XXXX admitted that they do not purchase their debts.

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 2023-12-16
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: Trouble with how payments are being handled

Complaint:
Hello, Ive made attempts in paying my students loans in full on XX/XX/2023 and XX/XX/2023 with both payments being reversed and not being told why. I was not informed by my student loan server about payment not going through therefore resulting in more interest accruing to my account. Ive called my bank to confirm my account numbers & they confirmed they did not receive any sort of request from aidvantage for payment. It is not right that we have to be held responsible for lack on the student loan server part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: DISCOVER BANK
State: AL
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:
Re : Discover Bank : Account # XXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a formal complaint against XXXX, one of the major credit reporting agencies, regarding their inaccurate reporting and refusal to remove an account from my credit report. 

Background : For several months, I have been diligently corresponding with XXXX to rectify an issue with the reporting of an account on my credit report. Despite my repeated attempts to dispute the accuracy of the reported information, XXXX has consistently refused to remove the account, which is now impacting my creditworthiness and financial standing. 

Details of the Complaint : Inaccurate Reporting : XXXX has continued to report the account 's payment history as being in collection every month, even though the account has been closed. The account 's payment history should not have been reported further after the account closed. This inaccurate reporting misrepresents my creditworthiness and financial situation, potentially affecting my ability to secure loans, obtain favorable interest rates, or engage in other financial transactions. 

Failure to Correct Inaccuracies : Despite my best efforts to provide evidence and supporting documentation proving the closure of the account, XXXX has neglected to take appropriate action to remove the inaccurate reporting. This refusal to address the issue is in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and up-to-date information. 

Adverse Impact on Creditworthiness : The continued reporting of the account as being in collection has had a significant negative impact on my creditworthiness. I have experienced numerous adverse consequences, including difficulties in obtaining credit, securing favorable terms on loans, and facing higher interest rates. 

These actions have continued despite me providing proof from Discover themselves that the account had been closed and should not be reported as a collection account each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX buyer was searching supplier from net component XXXX XXXX XXXX XXXX XXXX, and buyer found supplier XXXX XXXX XXXXsend e-mail via net component. 

XXXX XXXX buyer called supplier XXXXXXXX XXXX XXXX placed order to XXXX XXXX XXXXXXXX total amount is XXXX. Buyer contacted supplier by XXXX she acquired from net componentand buyer asked for pictures before payment. 

XXXX XXXX buyer keep pushing supplier to send pictures via e-mail and XXXXsupplier replied by e-mail he needed some time to acquire pictures from their XXXX vendor. 

XXXX Supplier provided pictures in e-mailXXXX buyer XXXX XXXX checked the label information and negotiated the payment termthen planning to arrange payment of 20 % deposit in advance. 

XXXX Finance team reviewed and arranged payment for 20 % deposit=USDXXXX, XXXX buyer send XXXX copy to supplier via e-mail. 


XXXX Supplier provided tracking number by e-mail. XXXX XXXX XXXX Tracking : XXXX XXXX XXXX buyer started tracking the shipment since no delivery update. XXXX went to net component again to find suppliersupplier information in net component now has changed to the correct one the real supplier claimed they did not receive the order, the payment and did not arrange the shipment. And supplier then informed XXXX that their company information on net component was changed by Hacker and we got fraud. 


XXXX XXXX buyer informed XXXX XXXX teamXXXX XXXXXXXX team initiated an application for revoking the payment on the bank 's online banking side, and contacted the bank in time to request the withdrawal of the payment. As of today, XXXX has not received feedback from the other party 's bank or intermediary bank, and the payment has not been withdrawn. we recall many times CHASE BANK request to return our money form XXXX XXXX, at the same time, we called the XXXX POLICE, but CHASE BANK nothing to do, the money still not return to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Bull City Financial Solutions, Inc
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
See attached Comments and Exhibits. 

Bull City Financial Solutions ( 'Bull City '' ) reported a medical collection associated with XXXX XXXX to XXXX XXXX XXXX and XXXX on XX/XX/XXXX wherein Bull City claimed that the medical debt had been outstanding for more than a year ; however, statements from XX/XX/XXXX and XX/XX/XXXX show that no such balance existed and that Bull City 's claim is both inaccurate and false. 

Upon filing a dispute with XXXX on XX/XX/XXXX, an investigation was conducted ; however, Bull City CERTIFIED to XXXX that the information in the collection was accurate and XXXX made no change ( s ) to my credit report. 

On XX/XX/XXXX, I contested the dispute findings electronically and attached one ( 1 ) page of comments and six ( 6 ) pages of exhibits. 

In response, XXXX informed me that my contested dispute had been concluded but that the findings and the report were not available to me electronically. Hence, final resolution of this matter appears on-going. 

Additionally, I have now received a notice from a third party credit provider stating that as a result of this medical collection, I am now subject to higher interest and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX and Wells Fargo Auto are threatening me with correspondences stating that they will take my vehicle if I don't pay them, but I don't have a contract with either party.I asked for the original contract and an XXXX XXXX of all accounting including the source of origination from where the lawful money was taken and given to me, but XXXX XXXX stated that she couldn't provide either to me on XX/XX/23 when we spoke on the phone. The note that she provide on XX/XX/23 appeared to be a forgery and I attest that the signature does not belong to me. I feel there XXXX have been a mistake because they didn't give me anything of value therefore I don't owe them anything. I wish not to be harassed any longer and I wish that they release any liens from my property ; if any. I was forced to make complaints to the Attorney General, the XXXX XXXX XXXX  the police department, the FDIC and the Office of the Comptroller of the Currency. I also attached a copy of the forged note that XXXX XXXX sent on behalf of Wells Fargo

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 2021-09-15
Company: Penn Credit Corporation
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2021 I sent a request for validation of on a vehicle loan under FACTA section 312 and was sent back the contract and letter with a settlement offer of XXXX. Then I sent another dispute on XX/XX/2021 requesting a UCC DEFICIENCY letter requesting additional information which is attached as well. You can not request me to settle a debt without providing me with the deficiency information informing me Presale Notice, Post Sale Notice the cost and if a letter was even sent to me of the default notice. If Nissan can not provide me with these documents that they sent AT THE TIME, then legally they can not continue to report or collect on this debt. If this is not removed from my report I will next have to file a complaint with my local attorney 's general 's office and take things further if need be. Attached please find the disputes that were sent. Please DO NOT continue to send me a contract agreement this is not sufficient enough to prove that you all have done your part with me as a consumer. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Sequium Asset Solutions, LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021 Sequium Asset Solutions LLC placed derogatory entries on three credit reporting agencies claiming I am in default of some kind of debt from who knows who for {$1400.00}. They are wrong. I owe nothing to anyone at this time. I have attempted to contact this company by email on XX/XX/2021 and have not received a response back from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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 listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XX/XX/2019 Balance {$2800.00} XXXX XXXX XXXX Date Opened XX/XX/XXXXBalance {$880.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4400.00}

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 2023-07-12
Company: JPMORGAN CHASE & CO.
State: TX
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:
15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies-B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

15 U.S. Code 1681i - Procedure in case of disputed accuracy-1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Please remove the late payment on JPMCB because Chase is effecting my well being to obtain a house. I don't want to sue your company for violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: LEXISNEXIS
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hi there! 

I would like to file a dispute with the XXXX. On XX/XX/2020, I sent a dispute asking to verify the information concerning the bankruptcy on my XXXX credit report. XXXX responded and verified this bankruptcy through information " obtained from local, state, and federal courts through a third party vendor, LexisNexis ''. Interesting, because on XX/XX/2020, I asked the courthouse to verify if they were reporting information to the credit bureaus to see if this was true. The courthouse stated that they did NOT report any information to the credit bureaus. Either directly, or through a third party vendor like LexisNexis. This leads me back to XXXX. If the courthouse did not send the information to the credit bureaus ( directly or indirectly ), how are they verifying this information? What method did they use? So on XX/XX/2020, I sent a certified letter to the XXXX informing them that they were reporting a bankruptcy on my credit report, that was not verified with the courthouse that they are reporting that they received the information from. They then AGAIN stated that all of the information was " verified ''. But how if the courthouse does not communicate with any credit bureaus ( LexisNexus is a credit bureau )? I find this information false, misleading, and should be removed from my credit reports! I have attached ALL of the letters to prove my statements.

Company response to consumer: Closed with explanation