BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-20
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX claimed I own the debt of {$1700.00} to it. I have reason to believe I do not owe this debt because the debt is not valid since XXXX XXXX violated my consumer right of being informed pursuant to Consumer Bill of Rights. XXXX XXXX did not give me the facts to let me make an informed choice when XXXX XXXX changed my plan from {$49.00} monthly charge of unlimited monthly kilobyte to the new XXXX Plan XXXX XXXX. The charge of {$1500.00} that would incur from switching to the new plan at the beginning of the current billing period was not disclosed to me when I was offered the options of switching to the new plan either at the beginning of the current billing period or at the current date during the transaction with XXXX XXXX. Therefore XXXX XXXX has failed to inform me critical information when I was making the purchase decision, and violated my consumer right of being informed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have been fighting ID THEFT for sometime now and have several fraudulent accounts reporting on my credit report. I have sent supporting documents showing this fraud, as well as FTC complaint forms. This failure to comply in deletion of these identified fraudulent accounts is a clear violation of FCRA sub sections 605b and 609.

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 2019-10-01
Company: EQUIFAX, 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 applied for a personal loan at my bank of 15 years, when I was denied. I had my credit pulled to see what I had on there, that's when I realized there were a lot of things on there that aren't mine. I believe someone is using my name to get credit cards and other items because none of these things are mine. I want them removed immediately. I have already taken the liberty of reporting this to the police and FTC. These items need removal XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, US DEPT VETS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am still having issues opening a Wells Fargo Bank checking account after Wells Fargo Bank has informed me by U.S. mail that they would have the consumer reporting agency XXXX XXXX XXXX to delete all adverse information from my consumer report with XXXX XXXX XXXX. I tried to open a Well Fargo Bank checking account online in XX/XX/2020 and was denied, even after Wells Fargo Bank told me they would submit information to XXXX XXXX XXXX to delete negative information from my consumer report. I feel like Wells Fargo is discriminating against me because of my race and me having my previous debt with Wells Fargo Bank discharged under Chapter XXXX on XX/XX/2020 in bankruptcy court with the United States District Court-District of Minnesota.

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 2017-11-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In late XX/XX/XXXX we received a letter from Fifth Third Bank advertising a {$250.00} bonus for opening a new Money Market account with the bank and depositing at least {$25000.00} in new money into the account. I initially attempted to set up an account on-line however I received an error message that the code on the bottom of the letter was invalid. After several attempts to open the account using different variations of the code ( upper case, lower case, is that an O or a XXXX ) I called the customer service number listed the Fifth Third website. The customer service representative had not heard about this promotion, however he made a number of attempts to input the offer code but got the same result that I had previously. He suggested we visit a local branch to resolve the issue. On XX/XX/XXXX we went to the XXXX, IL branch of Fifth Third and opened a new money market account and deposited over {$50000.00} in new money into the account. The bank representative attempted to use the offer code on the letter, but that did not work. She then tried using a generic offer code from an internal document in her possession, that did not work. We left the branch with confirmation of our deposit but no resolution as to the fate of our {$250.00} bonus. The bank representative said she would resolve our issue and inform us when it had taken place. To date there has been no communication from the bank and my calls have gone unanswered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX ; XXXX  and Transunion should not be reporting each inquiry listedas a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the 45 plus days that is typically allowed to check different lenders and find the best loan. These inquires are all of like kind and therefore should only be reporting as ( 1 ) line item. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report as only ( 1 ) inquiry. It is a violation of the Fair Credit Report Act not to report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-06-08
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:
No one help me about disputes I sent too all credit bureau I had some things on there that dont belong too me and the bureaus keep putting on my credit report after I dispute everything no one help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Navient is billing me incorrectly. For years the amount of my payment due has been around XXXX. Since 2016 I began paying XXXX. In XXXX I made a payment of XXXX because it said I was overdue. It didnt make sense to me but Im trying to buy a house so I paid it. Then I called and they said they had made a mistake and they would credit my payments and I was now paid ahead till XXXX. I then logged in a few weeks ago and it shows I owe XXXX plus dollars in late fees! I called them and said this doesnt make any sense look at my payment t history. And even if that was the case when I overpaid when I made the payment of XXXX after they applied the amount to the normal payment of principal and interest the late fees should have then been paid. I dont have ANY statements or correspondence from them nor can they provide any that shows I have a late balance of XXXX plus dollars. When you look at my payment history you will see it for yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Fraud alert removal

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 2019-05-07
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

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 2019-05-22
Company: Experian Information Solutions Inc.
State: DC
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 am writing to complain about a dispute submitted to the 3 major CRA 's on XX/XX/XXXX in regards to accounts fraudulently opened in my name. I am a victim of identity theft and did not open these accounts. I also am a victim of the XXXX XXXX XXXX 2008 data breach. State issued Drivers License were compromised and my social security was also compromised. I am not responsible for any charges made to these identified accounts or inquiries that were made by the thief, as the accounts were opened fraudulently.

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 2019-05-22
Company: Reliant Capital Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had a repo 10 years ago, which my credit was affected deeply by this but I had been laid off from my job at the time. This stayed on my credit for over 7 years. Now they sent legal notice to my employer to garnish my pay which has been for over a month now so Im being re-punished again which I understand Im hardly making ends meet but again I understand its a debt I must face. The major problem is the company has called several branches of my employer in a very rude and nasty form as if everyone who answers the phone is me threatening them and telling them my personal business. My employer is sort of a franchise partner of the company and they call on a daily basis through out the day and threatening them all the time in regards to my debt with them. My boss is getting called and complaining that they are calling all over the state of Florida in regards to one of his employees. Quite frankly its very embarrassing not only for me, but for those that are being threatened on my behalf. The company is Reliant Capital and their representative is XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This is a violation of the fair and accurate credit reporting act. 
This is a medical debt through XXXX XXXX XXXX XXXX that was solvd to Portfolio recovery and they refuse to change how it is listed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: National Business Factors
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've been receiving constant calls from National Busness Factors from a woman named XXXX from XXXX to XX/XX/2019. I was making $ XXXX/mo payments on medical bills that she said totaled {$1200.00}. I asked to be sent a listing of them and she said she couldn't provide paperwork. When she couldn't reach me by phone, she would immediately called my husband at work. I asked multiple times that she NOT call my husband, but not only did she continue, she called him and threatened that even though the medical bills were mine, they could garnish his paycheck. She also told my husband she couldn't provide paperwork. She told my husband today (XX/XX/2019 ) that the bills totalled {$2700.00}. All I want is proof that the bills they have on my account are actually my bills, and what bills my payments have gone to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
i sent money in XXXX yesterday through western union, but a receiver didnt get the money i sent, western union in XXXX said over sending need to change the name of the receiver..i just want to change the name of my receiver to get the money in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been a victim of identity theft please see attached report for in-depth detail.

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 2018-06-06
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:
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. In addition to this, XXXX XXXX reported that my credit limit was increased during that time period but that no hard inquiry was ever made. 
I request that you initiate a REINVESTIGATION into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, 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 2021-06-08
Company: BARCLAYS BANK DELAWARE
State: FL
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:
I tried to work on getting global entry ( I am supposed to get a credit on my statement for {$100.00} if I get it. I started the process and was disconnected, never got an email or a way to get in touch. Both the vendor and credit card company said I was not/would not be charged. It appeared on my statement. I was told would need to dispute. Still no way of verifying with vendor as they don't have me in their records and Barclays is saying it is a valid charge. 
No info provided how to contact them nor a way to dispute further.

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 2019-05-07
Company: Waypoint Resource Group, LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I noticed that there is another collection agency- Waypoint Resource Group , on my credit reports for XXXX XXXX This alleged debt was paid to XXXX a long time ago when the 1st Collection Agency had this alleged debt which was XXXX XXXX. I contacted XXXX and they charged off this account in XX/XX/XXXX. I asked for this in writing and they stated that they could not give me anything but that I or anyone else can always call and they can give this same information over the phone.I have never been contacted by Waypoint Resource Group which they are required to per the FCRA and the FDCPA. The date they are reporting is completely falsified. They are reporting to the Credit Bureaus that this account was opened on XX/XX/XXXXwhich is not correct. This may be the date that they purchased this from a different Collection Agency which is also against the FDCPA, but this is not the date that the XXXX account was opened and the date that the XXXX account was closed/charged-off is the date that the statute of limitations goes off off. XXXX said the account was opened in XX/XX/XXXXand charged off in XX/XX/XXXXwhich is 7 years ago. The incorrect date Waypoint Resource Group is reporting is making it so they can keep reporting this if its within 7 years which is fraudulent and illegal activity. I have attached a screenshot from XXXX XXXX  which gets their information from the Credit Reporting Agencies, showing that Waypoint Resource Group is reporting an incorrect date and has just reported this same info on XX/XX/XXXXso they are continuing to report this when they shouldn't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 120 180 ) days past due on the XXXX  card partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$5700.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Experian Information Solutions Inc.
State: OH
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:
this account was opened XX/XX/XXXX the last payment was made XX/XX/XXXX account shows closed ( bad debt ) XX/XX/XXXX. the amount owed is XXXX this company " Snap On '' continues to report the wrong debt amount increasing this amount by XXXX every month it is now being reported as XXXX have tried to reach out with an affordable payment arrangement in the past, the representative from this company was at the time very condescending, rude and unwilling to work with me. I made an offer of payment and was told that the amount would not even cover the interest accumulating on this account and would do me no good to pay the offered amount.it is to my understanding that reporting anything other than the actual debt is unlawful, and goes against the fair reporting in my state of Ohio. I demand that this reporting stops upon receipt of this complaint. and all credit reporting agencies cease reporting this on my name.

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 2018-09-19
Company: ALTERNATIVE DISPUTE RESOLUTIONS
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was called on XX/XX/18 from a company going by the name " Alternative Dispute Resolution '' about an alleged overdraft amount of {$320.00} sent to them for collections from an old XXXX XXXX account I had almost 10 years ago. They told me after fees the amount went up to {$580.00}. They followed that up with an offer to take off {$180.00} if I paid the remaining {$400.00} today. If I didn't then there would be legal action against me. It all began with someone calling me telling me important documents were waiting for me and they were quick and got me very nervous. It felt very sketchy. They rushed off after telling me to call XXXX regarding file # XXXX. I spoke with an " XXXX '' at that company and she told me that I had to pay. Her number is XXXX. Because it felt so odd I went to XXXX XXXX to talk to them about this. The personal banker I spoke with spoke to someone and they told me that it looked like a scam. They said that they had no records of debt or anything sent to collections or any other 3rd party. XXXX XXXX confirmed that I owe them no money.

Company response to consumer: Untimely response