BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-19
Company: Experian Information Solutions Inc.
State: CO
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 discovered roughly one year ago that my identity had been compromised and fraudulent accounts were being opened in my name. I filed a police report and notified all three credit bureaus of the breach. I have written letters to Experian roughly 7 times asking that the fraudulent accounts be removed. Every time I submit a request I am notified that they are " looking into my dispute ''. They then come back and say that the companies have very the debt as accurate but have NEVER provided me an original contract with my signature, any identification I would have had to have submitted, or any proof that I opened and authorized these accounts. They are fraudulent, and should have been removed at first notification. The last letter that I sent was responded too with a letter saying they were going to do absolutely nothing, not even open a dispute or review my information.

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 2022-08-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was laid off from my employer on XX/XX/XXXX. I struggled to find employment and was on Unemployment Benefits from XX/XX/XXXX until XX/XX/XXXX. In XX/XX/XXXX my mortgage company, XXXX offered assistance due to COVID. I explained to them that I had lost my job an was starting to struggle to make payments. They offered me a forbearance or deferment, not certain on the verbiage. However, the option was that I can defer my mortgage payment 6 to 12 months due to COVID. Afterwards, if I am still struggling there would be other options or they had other options I could take advantage once the deferment ends. The options were payment modification or they would move what I owe to the end of the note and I would maintain my regular payments. I took advantage of the 9 month deferment and when I spoke to them in XX/XX/XXXX, I told them I found employment and would like to move my payment to the end of the note. XXXX recommended since I just started and my status is a XXXX, that I extend the deferment for the full 12 months to allow me to get caught up. I agreed to those terms and during this period my loan was sold to Select Portfolio Servicing. Once I received communication my mortgage was with them I proceed to call them weekly, Each time they notified me they did not have all my records from XXXX. I told them about my situation and wanted to ensure that I would be able to maintain my normal payments and move my past due to the end of the note as promised as an option with XXXX. I spoke with SPS last month and advised them I had my payment pending for XX/XX/XXXX as promised to continue my payments. They informed me that I would have to take a survey to proceed further, they ask 3 questions, 1 if I am still experiencing a hardship, I stated no, 2 if I am able to bring the account current by paying the past due amounts, I stated no, 3 if I am able to maintain my normal payments, I advised Yes, they told me it would take a couple of weeks and I do not have to make any payments because I am under forbearance still, however I did not cancel my scheduled payment. This weekend I received a letter that I am possible foreclosure unless I enter a payment modification loan and make XXXX payments by XX/XX/XXXX. Each time I called no one was able to tell me anything about my situation. I called SPS on Saturday XXXX and now they are stating they need to research my situation. I advised them how if they do not have all my information from XXXX, SPS is trying to put me on a new hardship plan that I did not agree to and are threating me of foreclosure. Can someone please get to the bottom of this, I do not want to lose my home because the lack of documentation from XXXX and their negligence to inform the new servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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:
Please look at the attached documents as the personal information you are reporting is NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX- Has violated my rights XXXX XXXX - {$3400.00} - Has violated my rights UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX - Has violated my rights XXXX XXXX XX/XX/XXXX- Has violated my rights XXXX XX/XX/XXXX- Has violated my rights XXXX XX/XX/XXXX- Has violated my rights XXXX XXXX XX/XX/XXXX - Has violated my rights XXXX XXXX XXXX XX/XX/XXXX - Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: SC
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:
On XX/XX/23 I noticed information being furnished on my consumer report regarding utilization and late payments. I have reached out to the creditor and the reporting agency, regarding the inaccuracies and unfairness. I requested that the late payments and utilization to be deleted due to privacy. The information being furnished on experiences and transactions are supposed to be excluded from consumer reports. Consumer reporting agencies are supposed to report accurately by the guidelines given in the fcra and they are not doing so.

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 2022-12-16
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: Information belongs to someone else

Complaint:
I noticed multiple accounts on my credit report that I dont recognize

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 2023-04-13
Company: CL Holdings LLC
State: TX
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 an open dispute with Jefferson Capital System over a fraudulently opened account in my name for XXXX $ opened on XX/XX/2021. This account is not mine, please help me rectify this ongoing dispute as I have attempted multiple times to dispute this with XXXX and XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Credit reporting agencies XXXX, and experian use the same practice .... When I dispute a negative item that has been on my report 7 plus years, they give the account a new date opened date, I don't think that is fair at all, when they give the account a new date account opened date, that allows the negative account to remain on your report... I thought once an account has been on your report 7 plus years it's suppose to fall off your report, I have positive accounts that have reached the 7 year mark and they have fallen off my report, I truly feel the reporting agencies are in cahoots with the banks, finance companies, ect... .they make it hard intentionally for you to clean up your report, because if everybody had good credit the banks wouldn't make any money, and they wouldn't be able to charge out of this world interest rates .... I think the credit reporting agencies have too much power over your finances and life, I would love to see the credit reporting agencies STRIPPED of some of the power they have over people lives .... And I would love to see the practice of giving disputed items new dates the account was opened, totally unfair practice ....

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 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SS NUMBER ENDING IN 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 2023-08-21
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my XXXX XXXX. Please remove them promptly and ensure that they do not reappear.

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 2023-04-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Spouse and I both work for XXXX XXXX XXXX. We both have direct deposit established to separate checking accounts with Wells Fargo. XX/XX/2023, Pay day for us, BOTH deposit were missing. We obtained the transaction ID from our payroll to Wells Fargo. Wells Fargo would not allow credits or any solution except to wait. No explanation, no eta. Our deposits were frozen for 3 days. 
This happened to many getting paid by XXXX XXXX XXXX to Wells Fargo accounts.

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 2022-11-24
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX  ; Account # XXXX has violated my rights as a consumer. 

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

15 U.S.C. 1681 Section 604 A. Section 2 : It also states that as a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXXXXXX XXXX XXXXXXXX XXXX. Has filed a summons against me. They claim I owe {$690.00}. I have not heard of this Agency before. I have not received any letters from the original creditor in the last 2 years. Citi Bank. I have not received any letters from any Debt collector in regards to Citi Bank in the last 2 years. I don't feel I owe this amount. And I want to see the original Amount from the original creditor. Citi Bank. I feel that XXXXXXXX XXXX  XXXX is making up numbers to get more money from me.

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 2021-06-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This original company was aware of identity theft due to my military status. After agreeing to REMOVE the negative debt since I never applied for it, they charged it off and the collection company continues to reage the debt resale and has damaged my militaryservice record  and hurt my credit. The debt is NOT mine. I have requested copies of original contract, proof of legal right to collect and proof of verification method nothing has been given to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: EQUIFAX, INC.
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: Problem with personal statement of dispute

Complaint:
XXXX  XXXX  is hired by the three major credit bureaus XXXX  XXXX and Equifax. My credit profile should mimic all accounts with all three credit bureaus. All my accounts are the same, current and all should be updated. XXXX XXXX continually refused to update both XXXX  and Equifax thus keeping my score at a low status monthly continuously For example XXXX  mbfs is update but Equifax mfbs is not and its the same account. ARE THE CREDITOR AWARE OF THE FRAUDULENT REPORTING MONTHLY. CREDITORS CREDIT REPORT AGENCIES LIKE CREDIT KARMA MUST BE ACCOUNTABLE. This practice appears to be designed to keep my score from improving. It's discriminatory and disparate treatment to update is wrong and frankly illegal and credit karma must stiop this action and be accountable. My XXXX XXXX  and XXXX XXXX account is the same it should not be treated with a different status because the two companies are different. Both have a positive and current status and should be updated positive. XXXX  XXXX  promting a lie they do not act on good intentions at least for me because this is evert month. This updating one credit bureau and holding back another is unfair. If the same accounts got like mfbs got 14 points on XXXX  then the Equifax mfbs same account should have 14 points. XXXX XXXX representative every credit bureaus is different and that's why they don't get the same points but it's the same e account. The practice is fraudulently designed to not increase my score because this has been going on for years. As a person of color this practice will hender and tarnish chances of getting ahead financially because XXXX XXXX is saying my XXXX  or XXXX XXXX on one uses is good but not on the other when both are on the same credit bureaus ie XXXX  and Equifax. I THIS IS MY 3RD ATTEMPT WITH XXXX  XXXX  TO CORRECT MY REPORTING. This complaint is the last attempt to remedy this illegal practice. I will seek legal counsel if this is not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Fortress University Inc.
State: CO
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Charged upfront or unexpected fees

Complaint:
I started with Fortress XXXX XXXX to have my credit report fixed. They said they could set me up with a payment plan for their services. I was told I could cancel within a year if I wasnt satisfied. I signed a payment agreement XXXX. After close to a year I wasnt seeing much of a change or benefit to using the company so I canceled my membership XXXX before the year was up. However, I am still being charged for services I am no longer getting. When I asked why I was being charged still they neglected to respond. Saying, You're account is tag as cancelled, so we are no sending dispute letters anymore. The payments made to Fortress are considered tuition, so it's 100 % tax deductible or refundable depending on how you file your taxes. They claim it as an education program when they are a credit repair company. Come to find out the payment plan I was set up was through another company and I was told to take it up with XXXX XXXX. XXXX XXXX said take it up with Fortress. So now XXXX XXXX is still trying to collect for canceled services. Fortress is a bait & switch company. They get their money and when they fail to provide satisfactory service and you cancel, youre still left footing the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 an account appearing on my credit report under XXXX XXXX with a current balance of XXXX. This account is not mine and is appearing on my Credit Reports. 

I contacted XXXX at the address listed and provided a copy of the credit report as requested. By letter dated XX/XX/XXXX, I was informed they had concluded their investigation into my issue and was advised the account data would be removed. 

It has not been removed from my credit report as of yet. I would greatly appreciate any assistance in getting this erroneous acct information removed from my credit report.

Company response to consumer: Closed with explanation