BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-29
Company: Diversified Consultants, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Diversified Consultants is trying to collect {$200.00} on behalf of XXXX. My XXXX account number was XXXX. At issue are two distinct matters : ( 1 ) Internet service and ( 2 ) wireless service. I do not owe anything since I canceled both before usage due to the fact that the Internet service never worked and the wireless service was never requested or agreed to and was unwanted.

Internet Service I contacted XXXX last year to request Internet service. XXXX mailed out equipment. The equipment never worked. I called XXXX tech repeatedly but they were unable to solve the problem. I quit XXXX Internet and went to a different company. Because I never had XXXX   Internet service, I incurred no financial liability whatsoever.

XXXX invoices falsely suggest ongoing Internet service. In fact, XXXX never provided Internet service.

Wireless Service During the phone call in which I requested Internet service, the XXXX representative said he would mail out a free computer tablet. This was completely unsolicited and unwanted. It was portrayed as a gift.

This agent never mentioned that he was going to open a wireless account in my name and start charging for it. I NEVER requested wireless service or the free tablet. Both the Internet equipment and the computer tablet were returned. XXXX began sending invoices alleging I owed {$200.00}. This was clearly erroneous since the Internet service never worked and the wireless service was completely unwanted and unused.

I disputed these charges on the XXXX  website. I checked my account on the website regularly until ultimately the account stated XXXX balance. At that point I thought the matter had been resolved. I was astonished when XXXX contacted me stating that my FICO score plummeted because of this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: EQUIFAX, 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:
Equifax sent me a report # XXXX but did not make clear what was deleted ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
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: Account information incorrect

Complaint:
In response to THEIR ADVERTISEMENT. That their score is get this " THE CORRECT SCORE '' BANKS AND LENDERS USE '' they omit the rest of it all! That is banks and lenders use only the middle score of the big three agencies and they onit some use 3rd parties who have outdated and incorrect information from the big three. My current score XXXX, here 's your credit snapshot Not Boosted 628 11 Learn more Experian XXXX XX/XX/2022 even though my debt to income went down!!!! And of course immediately impacting information posted while current and positive takes months. The scam of all scams.

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 2018-03-14
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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: Information belongs to someone else

Complaint:
Back in 2012 my office got broken into and they stoled not only my computers my wallet which had my drivers and social security in it, ( copy of police report included ).  Earlier last month I purchased my first copy of credit report and got shock of my life to find out how someone could of done such a thing to me. apparently some one unknown to me had used my personal information to get an apartment and personal loans under my name from ONE MAIN FINANCIAL. at that time i had reported these accounts to credit bureaus and they had instructed me to file an FTC report which i did. Also at that time i had wrote a letter to one main financial and had made them know that the account that they are reporting to my credit report is result of identity theft. As of today i have not received no correspondent from ONE MAIN FINANCIAL and i decided to purchase a new report to find out that this fraudulent account still reporting to my credit report that is the reason i am here now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This morning I was alerted by my credit monitoring service that XXXX XXXX was added to my XXXX report. 


I have no knowledge of this company, My address is registered with the local post office and the IRS. 
Theyve not mailed any notices, alleging any debt owed, they just simply abused the loopholes they have and added this account on my credit report because they know this is the time of year when people typically have more money and are more uneducated to pay. 

I am fully aware of my rights under the FCRA and XXXX XXXX is operating unethically

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
My account has never been late and due to an error with XXXX XXXX, my FIFTH THIRD BANK account was made to be delinquent when in fact it never was. XXXX XXXX provided a letter owning their mistake and the credit report still shows the account as being lat. This inaccurate reporting has severely affected my credit profile and scores. I was unable to get my loan because of this terrible marking on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I mailed a letter about inaccurate accounts on my credit report and requested an investigation. It has been 4 months and I still haven't received any results in the mail and these unverified account still show on my credit report.

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 2019-09-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
For reasons I am not aware of, Chase recently closed down my account, but I did not do any such thing for which Chase should close down my account. I managed my account properly and did not commit any abuse of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-09
Company: DISCOVER BANK
State: LA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of a new loan transaction and this error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. Please delete this fraudulent account from my credit report. I am submitting this dispute for myself and not anyone else.

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 2017-07-26
Company: Experian Information Solutions Inc.
State: SC
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:
I checked my credit reports. I noticed an account I did not recognize. In XX/XX/XXXX I sent XXXX a validation/verification request. I sent account verification/validation letters to all reporting agencies. The accounts payment history has been updated past the year XX/XX/XXXX. According to XXXX XX/XX/XXXXwas the last year of activity on this account. XXXX and Experian have updated the account past XX/XX/XXXX showing late payments although the account was charged off and placed in collections in XX/XX/XXXX. All bureaus are showing a balance of {$860.00}. XXXX shows the account updated XX/XX/XXXX. No bureaus reports the date the XXXX XXXX account will cease reporting. The verification/validation sent to me from XXXX does not have my signature on the application. I can not verify this is indeed my 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 explanation
Consumer complaint received 2018-01-04
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I accidentally bought XXXX Ether and put it in my Ethereum Vault. What I meant to do was put it in my Ethereum Wallet. It was too late to change the destination as I already initiated the purchase. So after making the purchase, I proceed to immediately withdraw the Ether from my vault to my wallet and was informed of the 48 hour waiting period. Ive surpassed 48 hours and still have not received my XXXX Ethereum in my wallet. This is all on the Coinbase Mobile App.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: CITIBANK, N.A.
State: NY
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:
XXXX gave me a date of XX/XX/XXXX or XXXX of 2020 I believe. I was not aware of a credit card application that I didnt approve through XXXX affiliation with CitiBank that opened up on my credit report on XXXX XXXX Im reporting a fraudulent issue, complaint, and would like it removed. I contacted XXXX, Citibank and was told of no report through my full name & social that they did not see nor have one on file.

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 2018-01-04
Company: Experian Information Solutions Inc.
State: MI
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:
I have had continual problems with a XXXX XXXX credit card I am a co-signor on. I have filed numerous complaints over the last few years relating to the identical issues. 
1. XXXX XXXX reports inaccurate information 2. XXXX Bank again has reported inaccurate information on my credit report 3. XXXX XXXX does not respond timely to my complaints 4. XXXX XXXX  has admitted to errors in the past but still does not correct these errors 5. I have documents factual proof from past issues and this current problem Current and newest problem : Requesting an EXPEDITED Resolution for the following reasons : -XXXX XXXX has reported a credit card in my name as ( 30 ) days Late for XX/XX/XXXX - I have irrefutable proof XXXX XXXX reported the above account as late inaccurately attached is a copy of my Experian credit report from XX/XX/XXXX and a copy of my XXXX XXXX statement dated XX/XX/XXXX showing a balance of {$120.00} and paid on time, NOT {$4700.00} - US Bank event reports the date of last update as XX/XX/XXXX THIS IS MORE PROOF OF XXXX XXXX  CONTINUALLY MAKING ERRORS

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 2017-07-26
Company: Navient Solutions, LLC.
State: CT
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:
I started making payments in 2000 to XXXX XXXX ( Navient ). 10 years ago they asked me to make online automated payments to reduce my APR. That never happened. Now, close to 18 years of never missing a monthly payment, I am not close at all to paying off my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a card reporting on my Experian credit report for XXXX  XXXX XXXX in the amount of {$9300.00}. I have NEVER applied for a XXXX XXXX XXXX Card. I've told XXXX XXXX XXXX, Experian and now the Credit Collection Company that this is NOT my card. I was a victim of Identity Theft. This is still showing up on my credit report and NO ONE has reached out to me to resolve this issue. I have sent over 10 letters to both XXXX XXXX XXXX, Experian and the Credit Collection Agency XXXX XXXX XXXX. This needs to be removed IMMEDIATELY from my credit report. I am a senior citizen and hardly speak any English. Every time I have to call or dispute something I have to have a neighbor help me. This is against the FTC rules to report incorrect information on someones credit.

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 2019-05-05
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:
This is primarily in regards to Both Transunion, XXXX  and XXXX with specific focus on TRANSUNION and XXXX : I have unsuccessfuly been able to reach to ANY actionable results with Transunion over the course of the past two months as it relates to disputing inaccuracies and false information on my Credit Report. The same is True for XXXX. 

My last attempt with Transunion failed as every time I attempted online to find a way to dispute derogatory collections I was directed to " provide my credit card information '' without any explanation as to why or what is was going to be used for. So " Accessing '' my credit report through Transunion involves a forced " Payment Plan '' before even being able to " Dispute ''. 

Through many hours of research I finally got a customer service number to reach a " human being '' and guess what?, pretty much like XXXX, I was now speaking to a XXXX who was asking me for my Personal Social security Number. This was something I was not prepared to give out so willingly and had to ask several times if I was speaking to an American based office in which I was finally told " No ''. 

I went ahead to explain my issues and sought clarification as to why I was being asked to provide my credit card information through a Transunion portal without being given reasons as to what I was paying for and this rep danced around the question as expected. Now lets be clear, I only want to dispute the following on My Transunion : -Duplicate Amounts from the Same Collection Companies - The fact that said Accounts ( Medical ) were not mine - Inaccurate/Similar Names on my Credit report which are actually family members -Inaccurate/Incorrect Addresses and Places of Employ This was a very similar issue or issues with XXXX At the end of it, this person, who grilled me from the XXXX on behalf of Transunion and Received my social security number stated that Her Department can not handle said issue and she would need to " Transfer Me '' to another Department. WOW!!! 
Disbelief and utter shock. 
I was then transferred but NOW, I was speaking to an XXXX Gentleman with a very strong accent who proceeded to re-qualify me before I could even get to my issues. I refused and He stated that he will transfer me to His American Counterpart. 
Of course, this without giving me a direct number. Needless to say, that number was not operational at that time when transferred and NOTHING was resolved on my end. 
This is NOT the way American Companies are supposed to Treat American Citizens of Residents. This is NOT right.

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 2017-09-17
Company: Clarkson Law Firm, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
We made an agreement but they had a change of address and moved and did not notify me. So I was still sending my money order to this scam company and now they send me a letter saying that I am going to jail because I did not pay. I called them an told them my mail was coming back to me that I mailed them and the man that answer the phone told me resend it and I did. Now they sent me a threaten letter saying I am going to jail due to non payments. The company is XXXX and XXXX phone number is XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The agency has never received consent from me to have my information. According to the Fair Credit Reporting Act, a permissible use is written consent and directions from me as the owner of the consumer report. I am instructing your consumer reporting agencies to remove address XXXX XXXX XXXX, XXXX, PA 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 2022-02-04
Company: Experian Information Solutions 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2019-09-29
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
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 dispute it with XXXX  and my credit was corrected but I didn't see changes to my XXXX XXXX or XXXX  XXXX to XXXX of 2014 I called fedloans to get my payment in to forbearance because I couldn't make payment they said their gon na change the status but 5 years later I find out that they put me on late payments I want them to take responsibility and change the status on my fedloans accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: Westlake Services, LLC
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:
I did not apply for credit with this automotive dealers for car credit and ask that they furnish written documentation of application for credit approval. I never visited these dealers. I am presently in Chapter XXXX and not allowed to apply for credit without consent of the courts. 

XXXX XXXX XXXX Westlake Service Inc XXXX XXXX Unauthorized written consent to request my credit file from XXXX ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, 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:
XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute filed ftc on all the accounts above

Company response to consumer: Closed with explanation