BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: MD
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted SPS/Select Portfolio Servicing as they had accessed my credit file and reported to XXXX, XXXX, and XXXX  an account established in my name fraudulently. 

On XX/XX/XXXX I received a notice that my credit dropped by 100 points. It was due to SPS/Select Portfolio Servicing reporting of a mortgage paid late allegedly owed by me. I contacted SPS/Select Portfolio Servicing on XX/XX/XXXX, and XX/XX/XXXX disputing the account to SPS/Select Portfolio Servicing, XXXX, XXXX  and XXXX  and providing them with two separate police reports of identity theft naming SPS/Select Portfolio Servicing. 

I then notified Select Portfolio Servicing to CEASE AND DESIST under the FCRA. Upon receiving proof of the item as being fraud it is not to be reported any longer. I provided Experian with a second police report that identified SPS/Select Portfolio Servicing as fraud. I also disputed it with again and provided letters of dispute sent to SPS/Select Portfolio Servicing on XX/XX/XXXX ; XX/XX/XXXX, and XX/XX/XXXX. 

I AM THE VICTIM OF FRAUD. 

On XX/XX/XXXX ; I mailed another letter of dispute with a cease and desist to SPS/Select Portfolio servicing via CERTIFIED MAIL to their Utah and XXXX Florida office to CEASE AND DESIST reporting and collections of this fraudulent account as it is defaming and willfully harming me as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Firstsource Business Process Services, 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:
I disputed items inaccurate on my credit report. This is not my debt. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Atlanticus Services Corporation
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company by the name of Fortiva calls my place of employment, everyday, several times a day. My supervisor became VERY upset with me b/c I was receiving the calls at work. She told them herself to please stop calling b/c it was disruptive to the school 's daily routine. She even called them back on a day I wasn't working to tell them to stop calling the school ( the school is the XXXX XXXX College and the XXXX XXXX XXXX ). I have been suspended from my job and was asked to please correct the problem before returning as well. I was informed that they called again after being told not to, just now, XX/XX/10 at XXXX XXXX. My supervisor just informed me of the call and the time. She asked them to please note AGAIN that they were not to call the number but I am not sure what else to do at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 I contacted this guy by the name of XXXX XXXX via XXXX to buy XXXX tickets for a game in XXXX Texas for the XX/XX/2019 game. He according had the tickets I needed and asked me to deposit him close to half ( {$500.00} ) the amount in order for him to be able to transfer the tickets to my ticket master account. Which I have buy tickets prior that way and no fraud has been happen before ; however this time, was different. He asked to deposit via XXXX which is the app the bank I used has it, so I figure was easier and fast. Once I transfer and it went thru, he no longer texted back, nor answer his phone and of course no tickets where transfer of tickets. I called right away to my bank and spoke to XXXX asking her to go head and cancel that transfer but she mentioned " I can't do nothing because you click the pay now option " I said well if I didn't click the now the person wouldn't transfer the tickets since the game is the next day and still had to drive 10 hrs to the game. After that she said " well it's tell pending on my side of the screen. So you have to be checking until it clears and then start a claim ". So I did and claim was initiated. After days, received a letter that my claim was close because they were nothing they could do due to I initiated the transfer and XXXX the app do not allowed to dispute and the third party of association doesn't give information from their account holders. So I next step was to file a police report but still no guarantee that the person will be paying back or even find that person even tho i have phone number, email, txt and of course the banks know about that person Info if not how it allow me to transfer and if I was the one initiated transfer why I can't be the one able to cancel as well. So I would appreciate if I can be assisted and make this individuals from scamming and stealing from honest individuals, as well make banks back you up, specially if the bank offers that app to transfer money. I thank you in advanve. Thank-you! I will be waiting for your response on this matter.

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 2023-08-03
Company: Experian Information Solutions 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: Account information incorrect

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 XXXX XXXX  has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar purpose.

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 2017-06-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Identity theft occurred because of my job through a breach of security with the Federal Government. Received a letter from OMB XXXX XXXXXXXX stating my ID along with other information had been compromised. Someone has been testing trying to get credit or some other use of my ID. I have tried to contact both the creditors & the credit Bureaus without any result. it has affected my credit score greatly. I have on several occasions sent letters to no avail to fix this problem. The bureaus refuse to help & say that has been verified. I would like to know how? Equifax, XXXX, XXXX will do nothing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 2023-06-01
Company: T2 Financial LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I have looked at the inquires for XXXX and noticed some discrepancies. Starting with one named T2 Financial inquiring about finance other than personal on XX/XX/2022. 
Also have a couple miscellaneous inquires from XXXX XXXX on XX/XX/2022 that i have no clue what for. And another from XXXXXXXX XXXX that falsely ran my credit. I have also called them and they state there is nothing they can do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo has done this to me around 9 times. Wells Fargo offers a service to put a custom image on your debit card. I have actually had this Inage on my card before. I have 100 % permission to use the image. Wells Fargo Keeps rejecting the image. It is ridiculous. I wrote a letter to The President and CEO of Wells Fargo and sent him Proof. I never received a response. PLEASE CFPB, help me get this Fixed. I filed a complaint with the XXXX XXXX XXXX and Wells Fargo send a letter asking me to call them and open a case. I called them yesterday. I was transferred and put on hold. I wasted over XXXX minutes on the phone and nothing was resolved. I should not have to go through this every time I change the image about 1 time a year. PLEASE CFPB help me resolve this with Wells Fargo. They need to put the image on the card and we all can move forward. My Bank XXXX Wells Fargo ) offers this service and they are denying it to me. Again This is an image I have had on my card before. Thank you CFPB!!

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 2022-03-09
Company: EQUIFAX, INC.
State: AL
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: MO
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:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX Inquired on XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: DISCOVER BANK
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:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way Diversified adj svc Open date XXXX XX/XX/XXXX Balance {$2300.00} XXXX bank Open date octob XX/XX/XXXX Lease Rental Open date og XX/XX/XXXX Edfed cu Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
My Bank of America Credit Card account was compromised. It was paid off and now has a {$9200.00} Balance.

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 2023-03-16
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I attempted to deposit {$100.00} in cash to a Huntington bank ATM on Saturday XX/XX/2023 at approximately XXXX XXXX at the branch on XXXX XXXX in XXXX XXXX. The ATM took my cash but did not credit my account or give me a receipt. I have tried 4 times to call the bank and they keep transferring me to customer service but there's no option for the problem that I have. The folks at the branch keep telling me there's nothing they can do and they hang up on me. I've not been able to get any resolution and I've lost {$100.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have ( had ) 2 Credit Cards with Capital One Bank for several years. I have never been delinquent in my payments and currently carry a {$0.00} balance. I used their online service to add some Authorized Users to each of the Accounts. I noticed that they had not reported so I called a week or 2 ago. I was automatically sent to the Fraud Dept. I  was told that they needed the Signed SS Cards and the Front and Back of each Authorized User ' Drivers License. I provided them in 3-7 days ; I was told that I had 14 days. I then called back to confirm receipt. At that point, I was told that the accounts have been permanently CLOSED. No reason was given. I called back several times to get a reasonable explanation and then perhaps to get the cards reopened because of a possible mistake. Only one of their many representatives that I spoke to could give me a reason. Today, she said that my accounts were closed due to returned pmts on this or other related accounts. That is in fact NOT TRUE. I have NEVER had a delinquency with this company, nor do I have delinquencies with any other account, related or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Firstsource Business Process Services, 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:
I disputed items inaccurate on my credit report and to the company attempting to collect the debt. This is not my debt not owed. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: U.S. BANCORP
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
on XX/XX/2023, consumer of XXXX XXXX  XXXX XXXX credit card, issued and administered by Elan Financial Services attempted to log into account to pay off the balance. User was unable to do so due to 'technical difficulties '. System put a security block on the account without provocation or notification preventing user from logging in to view transactions, balance, or pay account off. XXXX failed attempts to contact 'customer server ' resulted in no service to make a payment due to a fallacious statement made by agent stating the block was placed AFTER i made the calls. This would be impossible, as I was calling due to the block having been placed and unable to access the account. There have been no issues with logging into view and pay balances in the past. This is a retaliation against another Elan financial services card ( Fidelity ) where several statements against Elan have been made regarding their lack of protection against fraud and their failure to follow up on said allegations with all 3 consumer credit bureaus. Solution : remove block from user 's account to allow user to pay balance in full. At this time, I have no ability to access my account, putting it in jeopardy of being late. This is a purposeful attack by Elan and needs to be halted, 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 2023-09-21
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 explanation
Consumer complaint received 2022-11-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage Services LLC refuses to acknowledge and respond to Borrowers requests for information. In a request for information dated XX/XX/2022, in which the Borrower requested Carrington provide the Borrower copies of specific information relating to their loan modification determinations that adversely affected the Borrowers loan. Carrington neither acknowledged or responded to the Borrowers RESPA consumer inquiry letter. See letter attached. Further, on XX/XX/2022, the Borrower submitted ( for the third rime in 2022 ) a request for a copy of their mortgage file. Again, Carrington neither acknowledged or responded to the Borrowers RESPA consumer inquiry letter. See letter attached. Both letters were emailed and faxed to Carrington. Borrower received confirmation of successful transmission of facsimiles. These discovery requests and their associated production by Carrington is essential and necessary to the pending actions the Borrower is compelled to take in order to access all of the Federal mortgage relief programs this VA loan is eligible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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