BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was always having double over draft charges or overdraft charges being charged within days of one another. I know most banks give you several days in between before another overdraft charge is submitted but with Wells Fargo it literally would happen in same day. 
And they promised over draft protection in the amount of at least {$600.00} and I was never able to get protected in anything over {$150.00}. And I had direct deposit. 
This was the worst financial institution I ever banked with.

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 2022-01-29
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The account was charged off but paid in full, I asked for the balance to be updated so the account would no longer show an outstanding balance in doing so Experian updated the account to show as a recent charge off as of XX/XX/2021, so all of recent request has been denied because its showing that I have a recent 90 day late and charge off, the charge off happened in XXXX of XXXX. I need the account corrected. Immediately as this is hurting my financial status and integrity.

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 2023-07-06
Company: EQUIFAX, 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: Account information incorrect

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 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A sectio n 2 : It also states a consumer reporting agency can not furnish an 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 1681 s-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. No Opt outs were granted per 16 CFR-313.17 also in violation of 16 CFR 433.2- Account number- Credit bureaus have multiple late items with unmatching dates and late payment statuses that need to be updated. Also there are multiple charge off Accounts these accounts can not be listed as income on my end due to company already charging these items off via 1099 this would be double accounting and fraudulent collecting. There was also information being shared that was not authorized to other 3rd party affiliates this is a violation of the Privacy Act of 1974. 
Company information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: AL
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:
The agency have more than one name reporting on my report. I only have one name that is XXXX XXXX XXXX XXXX same at it appears on my drivers license and social security no abbreviations etc. no job employment should be in my report I do not work for anybody thats inaccurate. Only one address should be on my report witch is XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
See attached documents. Remove this personal information that does not belong to 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 non-monetary relief
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: CT
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 account does not belong to me. I filed several complaints and police report FTC and I really would like to get this accounts removed as possible and delete it from all credit reporting.

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 2021-03-12
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: Information belongs to someone else

Complaint:
Hi, i have numerous inquiries account that are unauthorized and need to be removed from my credit report from the major credit bureaus immediately. I tried to consult this with the original creditors with customer service, but nothing change. I tried to dispute inquires with all three major credit bureaus ( Experian, XXXX and XXXX ) nothing has changed. I am now taking extra measures with FTC and CFPB. 

I recently check my credit report and all unauthorized inquires are still there. Please remove the following inquires : Experian : ( XXXX XXXX OF : Inquired on XXXX XXXX, XXXX. 
XXXX XXXX, XXXX XXXX : Inquired on XXXX XXXX, XXXX. 
XXXX XXXX XXXX : Inquired on XX/XX/XXXX. 
XXXX XXXX : Inquired on XX/XX/XXXX. 
XXXX : Inquired on XX/XX/XXXX ). 



XXXX XXXX ( XXXX XXXX XXXX : Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX : Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX  : Inquired on XX/XX/XXXX. 
XXXX XXXX : Inquired on XXXX  XXXX, XXXX ). 


XXXX  : ( XXXX : Inquired on XX/XX/XXXX. 
XXXX XXXX : Inquired on XX/XX/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 2019-10-06
Company: First Technology Federal Credit Union
State: PA
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 noticed that FIRST TECH FCU have placed an inquiry on my XXXX credit file dated XX/XX/2019. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both FIRST TECH FCU and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I repeated requested deletion of an account due to inaccuracies being reported on account. 

I filed multiple disputes and had no luck. Please refer to CONSUMER COMPLAINT NUMBER XXXX IN REGARDS TO sensible auto lending and all three credit reporting bureaus.

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 2023-01-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I received a copy of my credit report regarding XXXXXXXX XXXX  ACCOUNT # XXXX and noticed some errors with this account. You all are reporting to the bureaus late payments for the XX/XX/2020 which is inaccurate. I have my payment stub for this month and the account was paid on time as agreed per contract at the opening of this account. 
Please update this information and provide to all three creditors as well myself via mail to the address above. If you decide to validate my claim as false, please provide physical evidence proving otherwise. 
Let me remind you per FCRA 623 you are required to correct inaccurate data provided to the bureaus on my report and provide any relevant information proving otherwise. Please recheck this information and report the updates as necessary.

Please send correspondence via mail regarding the changes.

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 2023-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
In XXXX of XXXX I filed a dispute for several charges on my XXXX debit card and was auto denied due to the Auto dispute resolution data and was reconsidered in XXXX of XXXX. I sent police report and have yet to receive any updates from the bank

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 2022-01-29
Company: V and H Portfolio
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Vance and Huffman stated on my previous complaint to consumer finance.gov that they will be closing account and removing account from my credit reports. Instead they sent to XXXX and other bureaus that the collection account is correct. They lied and did not do as they stated and furthermore this is not my collection!!! I have zero knowledge of this account. I pay all of my bills on time and now am losing out on getting a home!!! They are completely messing with my quality of life. They absolutely need to deletXXXX this collection off of my credit AS THEY STATED THEY WOULD pubically on the consumer finance.gov website under complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-19
Company: The Bureaus, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
YOU ARE IN VIOLATION OF THE FDCPA- YOU ARE IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS The Bureaus, XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX has been sending me collection notices and they are reporting a collection account - Account # XXXX - in the amount of {$300.00} on my consumer report, the collection is being reported as a positive balance and a collection account. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. This is Aggravated Identity Theft. I have included several violations that you, The Bureaus, XXXX, owe me in my Bill of Particulars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a follow up on the original complaint number : XXXX XXXX XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage ISSUE LOAN NUMBER ; XXXX ( SPECIALIZED LOAN SERVICING ) INVESTOR ( XXXX XXXX ) According to the servicer the investor listed on the mortgage note is XXXX XXXX . XXXX XXXX has denied that they are the investor and the loan is serviced by Specialized Loan Servicing. 1. According to Specialized Loans Servicing, XXXX XXXX does not allow a recast on this loan. XXXX XXXX has repeatedly stated they are not aware of this guideline. 2. Specialized Loan Servicing took a payment on XX/XX/XXXX for the month of XXXX, XXXX stating that payment will allow the loan to be setup for a bi weekly payment. On XX/XX/XXXX XXXX the servicer request a payment be made and applied towards XX/XX/XXXX mortgage payment at which stage a bi weekly payment will be allowed. At this point they have taken two payments and they are not able to setup a bi weekly payment for the month of XXXX on Specialized Loan servicing has not clearly described the reason why the loan is ineligible for a recast.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Freedom Mortgage Company
State: NJ
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:
Hello, back in XXXX my checking account was hacked. So I had to set up a new checking account. I provided Freedom Mortgage with all my new information. Now, in XXXX it was reported that Im delinquent on my account. Freedom mortgage has been contacted by my at least 9 times since XXXX because they are unable to take my payment from my new account. The problem is on their end because all of my other bills have been coming out with no problems. Every month since XXXX Ive had to call them and give them my new account information because they fail to update their system so I had to pay the bill over the phone because they cant setup my reoccurring payment. Let be also known that I HAVE made every payment. Now my credit is down XXXX points. I have a stellar credit record with NO DELINQUENCIES until now because theyre absolutely horrible. Once again I have to take time from my day to fix a problem I didnt create.

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 2022-07-20
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
I noticed the folowing fraud account still reporting on my credit file : XXXX XXXX XXXX  Account numberXXXX. I have supplied Experian with the federal police report to show I am I victim of identity theft and this company has caused harm to my personal injury. 
I have noticed Experian has removed multiple good standing accounts causing personal injury to my credit worthness/credit file : XXXX XXXXXXXX Bank XXXX Account XXXX XXXX XXXX Bank Account numberXXXXXXXX XXXX Bank Account XXXXXXXX XXXX Account XXXX, XXXX Account XXXX, Account XXXX XXXX XXXX Account numberXXXX. I need the following accounts recerted back on to my credit file immediately. 
I also have no access to my credit file when making purchases, logging online, and checking my 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 2021-09-19
Company: Merchants Financial Guardian, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Initial Supposed debt : {$39000.00} XXXX  Have received 10 letters from the collection company, some are date almost a year later after our responses ( I have always responded to their letters requesting confirmation of debt, never have had them confirm the supposed debt )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX TRANSUNION, XXXX  ARE BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. 

I XXXX XXXX NEVER GAVE THESE AGENCIES ANY CONSENT OR AUTHORIZATION TO REPORT THIS 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 2020-09-16
Company: The Receivable Management Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi. I am XXXX XXXX and I urgently need your help because I am receiving letters from a collection company trying to collect {$4700.00} by mistake from the specialty pharmacy that supplies my medication. 

The drug XXXX XXXX XXXX has a monthly copayment of {$250.00} that I pay with a manufacturer 's assistance card with the copayment remaining for me to pay {$5.00} each month. 

The medical insurance of my workplace ( XXXX XXXX XXXX ) and the specialty pharmacy ( XXXX rx turned into XXXX XXXX ) denied me the medicine after XX/XX/2020 and through a foundation, XXXX XXXX XXXX supplied it to me in XXXX, XXXX and XXXX. 

When it was reauthorized in XX/XX/2020, the representative could not place the order because there was a debt of {$11000.00}. After a long wait, the presenter returned and said that he had consulted with the billing department and that the balance was negative and they supplied me with the medicine in XXXX, XXXX, XXXX and XXXX, but in XXXX I received the letter from the collection company. 

Many times I have called and written to XXXX XXXX and they only try to charge the health insurance and the copay help card again and they say that everything was solved, but the collection company keeps calling and I do not believe that the health insurance and Co-pay assistance card pays for XXXX error. 

Thanks for your help. 

Translated from XXXX  language by XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I am XXXX thru both ; Social Security and Department of Veterans Affairs. When it comes to the Department of Veterans Affairs, I am 100 % total and Permanent XXXX. I have written to all of the Student Loan Companies, completed the application for XXXX, and disputed the information with the credit reporting agencies. No one is listening! 

I have submitted all of the documentation possible from every agency. The documents provided clearly state that I am in fact 100 % total and permanently XXXX. Please help to have this information corrected.

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 2023-01-14
Company: Experian Information Solutions Inc.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/XXXX, my car was stolen. All my personal information was in my card including my driver 's license, my unlocked cell phone, XXXX, and medical information. In XX/XX/XXXX someone opened an account in my name with XXXX XXXX XXXX. I reached out to XXXX and disputed the account and mailed in my ssn card, birth certificate, copy of the police report, and other requested documents to confirm my name and identity. I've filed several disputes with XXXX regarding this. I've also tried to resolve this directly with the company. However, since my name is incorrect on the account, I was not able to get information from the creditor. I have submitted yet another dispute by phone and by webpage concerning this. This account does not belong to me. This account does not have the correct name on file. XXXX only updated my name on my credit report but did nothing else concerning the fraudulent account opening. I mailed many documents, but when I check on them and provide tracking information, they claim to not have received my documentation.

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