BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXXXXXX XXXX/NCAC reported on behalf of XXXX a debt of XXXX which was paid in full and still showing up on my credit report. It was disputed with XXXX and has been removed from my wifes credit report but not mine. This debt was incurred due to co-signing for a rental property for my daughter XXXX with XXXX. The house was left cleaner than it was originally, the security deposit was kept by XXXX and they charged us XXXX which was paid in full. I have a security clearance with my employer and need this removed immediately. 

Thank you for your time and consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: REGIONS FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Octapharma Plasma, Funds {$350.00} and change apparently stolen in another state. 
It has been over a month, the company has not put money back and now my identity is being used, my bank account, my cell phone is intruded on. 
I need the money back on my card.

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 2022-09-14
Company: Experian Information Solutions Inc.
State: IL
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:
XX/XX/2022 - I submitted two disputes via mail/letter regarding two XXXX accounts that continue to show on my credit reports as late payments. 

XX/XX/2022 - dispute results were returned to me unchanged as its appears Experian took no action! 

XX/XX/2022 during a phone call with a XXXX representative, XXXX confirmed there should be no late payments showing on my credit report as I am up to date on all payments and also confirmed that one of two of my accounts is paid in full and closed. XXXX to send a letter to me for my files. 

Report 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 explanation
Consumer complaint received 2023-08-08
Company: JPMORGAN CHASE & CO.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened a Chase XXXX XXXX credit card on XX/XX/XXXX. I signed up for the card with marketing received at my home. The rewards offer was for XXXX points if you spent {$3000.00} within the first 3 months. I did spend the required {$3000.00} in the first three months and I only received XXXX points. I called today, XX/XX/XXXX and disputed the reward shortfall. Chase could not find the offer I was referring to or suggested that it was a business offer, not a personal offer. They refused to do anything to make the transaction right. XXXX points is a big deal. I put a lot of effort into choosing the right card/reward program. This is feels like a bait and switch scam. Promising one thing and delivering another is absolutely fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: ONLINE Information Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been going back and forth with the three credit bureaus about these energy companies in Texas opening fraudulent accounts in my name. I filed a report back on XX/XX/XXXX  for the same exact thing. I live in New Jersey and have no ties to Texas. This is fraudulent activity obviously. Please look into this this and flag any further collections. 

Original Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX  Balance : {$670.00} Collector : Online Information Services XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$1100.00} Collector : Online Information Services XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX  Balance : {$280.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX  Balance : {$320.00} Collector : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX 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 2022-12-08
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
i have contacted XXXX, Equifax XXXX XXXX about the many inquires on my account i do not recognize i informed them of how i have contacted each company and they could not provide me with any information. i did not authorize any pulling of my credit with these companys XXXX Credit Report XXXX XXXX XXXX, ( total of XXXX ), XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ( total of XXXX ) XXXX XXXX XXXX, multiple XXXX XXXX, multiple XXXX XXXX XXXX XXXX, multiple XXXX XXXX, multiple XXXX XXXX XXXX  multiple XXXX XXXX XXXX  multiple XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX multiple special finacing comp multiple Equifax XXXX 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 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 explanation
Consumer complaint received 2023-07-13
Company: Prince Parker & Associates
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear Prince Parker & Associates, I am writing to inform you that I have been contacted regarding a debt that I do not owe. I believe that your attempts to collect this debt are in violation of the Fair Debt Collection Practices Act ( FDCPA ). I kindly request that you cease all communication and collection attempts related to this debt. 

Thank you for your attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear Afni Representative, I am writing to bring to your attention an issue that has recently arisen. I have been contacted by your company regarding a debt that I have already paid off. While I understand that mistakes can happen, I believe that your actions may be in violation of the Fair Debt Collection Practices Act ( FDCPA ).

I kindly request that you review your records and correct any errors that may have led to this situation. Additionally, I ask that you refrain from any further attempts to collect on this debt until the matter is resolved. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: LA
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 and XXXX Account # XXXX.has violated your rights. 

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

15 U.S.C 1681 Section 604 A SectionA Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-05-13
Company: Experian Information Solutions Inc.
State: NC
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2017-01-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My husband and I are in the middle of an FHA Short Sale for the property located at XXXX. XXXX, GA XXXX. FHA /Investor requirement to be late on our mortgage to get FHA short sale approval. Supporting documents are uploaded. Please examine, audit or re-evaluate credit. As you see from the credit report that all creditors shows excellent record- " paid on time never been late. ''

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 2023-05-13
Company: EQUIFAX, INC.
State: GA
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:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: National Credit Adjusters, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an account on my credit report for a National Credit Adjusters for some type of XXXX XXXX thing. I have never taken out any type of check cashing loan so this has to be possibly a same name issue or something but that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Experian Information Solutions Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-09-12
Company: Resurgent Capital Services L.P.
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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor XXXX XXXX XXXXXXXX XXXX, XXXX. 
Current Owner : LVNV Funding LLC Reference Number : XXXX Notice and Demand to Cease and Desist Collection Activities Prior To Validation of Purported Debt. 

LVNV FUNDING LLC ( RESURGENT ) a third party debt collector claims are unfounded and egregiously negligent by their own tacit admission with the provided alleged documents pertaining account summary, bill statements, and terms and conditions as verification of debt in accordance with the Fair Debt Collection Practices Act, section 809 ( 15 U.S.C. 1692 ( g ) ) and applicable LVNV FUNDING LLC ( RESURGENT ) able state and local XXXX XXXX is hereby requesting that LVNV FUNDING LLC ( RESURGENT ) an authorized officer or agent of the Lender sign and return the attached affidavit within 72 hrs of the date of this notice. Also attached is an affidavit signed by the Borrower stating the Borrower 's personal knowledge of the terms of the agreement. Also attached is a affidavit of Truth reflecting all ( GAAS ), ( GAAP ) book-keeping on the public and private sides. This is XXXX XXXX good faith attempt to settle this matter and clear up any confusion about the terms of the loan agreement prior to an Administrative Hearing on the matter. Failure to respond will be deemed a dishonor of this Notice. The affidavits are evidence that may be used according to the Federal Rules of Evidence to prosecute or enforce any default by you in this matter. My CPA is prepared to offer Expert Witness testimony should court proceedings be necessary. 
Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1601-1692 et. seq., this constitutes timely written notice that I dispute the en-tire amount of the alleged loan and that I decline to pay the attached, erroneous, purported debt Notice which is unsigned and unattested and which I discharge and cancel in its entirety, without dishonor, on the grounds of breach of contract, false representation, and fraud in the inducement. 
Do the Generally Accepted Accounting Principles ( GAAP ), the Generally Accepted Auditing Standards ( G A AS ), the Audit Reports, the Auditor 's Working Papers, the Call Reports, and the credit card company 's financial statements ( that are related to and associated with the referenced account transactions ) reveal the substance of the loan agreement? 

I DID NOT GIVE CONSENT VALIDATING LVNV FUNDING LLC ( RESURGENT ) to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked ''. 




CONSUMER : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Maximus Education, LLC dba Aidvantage
State: TX
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:
On XX/XX/XXXX I made my regular student loan payment to Advantage. Because interest is starting to accrue, I reached out to request that all my payments be towards the principle balance and not the interest. They state on their website that they will respond after two business days. After no response I sent another email stating the same issue and that I didn't get a response. Today I still haven't heard a response. Today when I looked at my advantage account, it said there was a payment reversal. I've never requested a payment reversal. They don't have anything on the site explaining how a payment reversal happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Nelnet, Inc.
State: AL
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 applied for XXXX in XX/XX/XXXX. XXXX the XXXX servicer said they did a manual transfer request to Nelnet ( my current loan servicer ) XX/XX/XXXX. However, every time I call Nelnet they state XXXX has not requested a payoff for the loans. I believe Nelnet is doing stall Tactics to hold onto the loans and is mishandling accounts rather than transferring the loans. Please investigate because it should not take almost a year to get transferred to XXXX for the XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: MoneyLion Inc.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had some disputes to file for a time in XXXX when I was going through some personal issues at home with family and friends. Doing what I could to help people I was close to recover. Unfortunately, some of them took from me repeatedly. a few of my paychecks and deposits were used without my knowing. I was issued a provisional credit credit, and right before that they closed my account. And all the advisors said they were not sure why. When they issued my credit, they said that they had to wait XXXX days to give it to me. Which does not give me full use of the funds. Really hurts how Im gon na pay my bills now or get my kids the rest of their school clothes, etc

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 2022-09-14
Company: Experian Information Solutions Inc.
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:
The unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX XXXX  XXXX Balance {$690.00} ; XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXXXXXX Balance : {$6800.00} ; XXXX XXXX XXXX Balance : {$6800.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions 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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2023-09-12
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
The bank institution has marked my name as account abuser under XXXX XXXX XXXX. The information reported as been incorrect. I did not commit any kind of account abuse. I would like my name remove from XXXX XXXX XXXX and the bank system so I can open an bank account

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 2023-05-13
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:
I requested credit verification for the negative account on my credit but they send seemly did nothing to remove the wrongful account on my report. I disputed them through XXXX XXXX, and XXXXXXXX XXXX and they still failed to remove them. Some of which are even over 5 years. Please help.

XXXX XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

Company response to consumer: Closed with explanation