BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-01
Company: Kashable LLC
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: Account information incorrect

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account # XXXX | SSN : XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negative documentation impact my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than XXXX days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have XXXX days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the expressive time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would demand that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your attention and understanding in this matter. I look forward to hearing back with the positive adjustments made to correct payment history by removing everything negative inflicted on my reputation as a upstanding consumer. 


Regards, XXXX XXXX XXXX : CFPB FTC XXXX  Attorney General

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Stewart Information Services
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
We sold and closed on a property on XX/XX/XXXX. It is now XX/XX/XXXX and we have not seen funds yet. On XX/XX/XXXX Stewart Title XXXX in XXXX, AZ, closed the sale of our property in XXXX XXXX, AZ. They were to wire the funds to our checking account at XXXX Bank. Their bank is XXXX. The wire wasnt sent until XXXX  the XXXX. The wire has been sitting at XXXX Bank since then. They say they emailed XXXX for confirmation that it was legitimate. XXXX says XXXX emailed the wrong dept. it has sat at XXXX for almost 2 weeks now. I have called them many many times. I contacted Stewart Title for help. All three entities are finger pointing, but getting nothing done. I literally have spent hours and hours on the phone trying to resolve and get my entire life savings. I am beyond frustrated. The service Ive received from these institutions is terrible. We signed our sales docs on XX/XX/XXXX and have nothing! Were not sleeping at night, Im at the end of my rope. Please help!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: NY
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:
On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Opportunity Financial, LLC
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:
Company has been furnishing inaccurate and incorrect information to the consumer reporting agencies.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.You and your inaccurate reporting have damaged my livelihood.15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.As defined by the *** Even if you didnt receive a form 1099-C, you must report canceled debt as gross income on your tax return.The *** clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate By definition the *** clearly says a canceled debt or charge off is income. The reporting of this account as a debt is in accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
I submitted identity theft reports to all 3 credit reporting agencies on XX/XX/2023 with 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer per the law.

When I spoke with the credit reporting agency representatives today I was told that the items are in dispute and the companies have 30 days to reply. I was also told by XXXX that due to some internal issue with my file that the process had not started yet. The law makes no consensus for this. In fact, I have requested the update of my personal information before with no avail.

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 2023-07-01
Company: Franklin Collection Service, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I mailed a letter to validate a collection that is being reported to the credit bureaus. The account was opened with Franklin Service Inc on XX/XX/XXXX, showing a balance of {$700.00}. Franklin Service Inc failed to respond to my validation letter with the requested information. The uploaded attachment is the mailed letter and correspondence from Franklin Service Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Albert Corporation
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2022, opened an account after being referred by friend using this link : XXXX XXXX XXXX which was said to be eligible for a {$500.00} bonus for the person being referred and to the person providing the referral. In accordance with the terms, which stipulated a direct deposit of {$200.00} and {$100.00} spend using the Albert debit card every 30 days for three months, all terms were met by me. On XX/XX/2022, I sent customer support an inquiry asking when the {$500.00} bonus would be paid as all term conditions had been met. On XX/XX/2022, I received a response to inquiry from customer support with the excuse that they could not find any evidence of being referred. However, as evidenced by the referral link above and the screen shots submitted with this complaint, this is simply not true, and I am belief and suspicion that Albert is simply using the excuse as a reason to forego payment of {$500.00} bonus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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: Information belongs to someone else

Complaint:
This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular records in my document coming about because of some negligence. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or permissioned. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$37.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00}

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 2023-11-06
Company: Experian Information Solutions Inc.
State: MO
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:
I am writing to you with great frustration and concern about the continued presence of fraudulent items on my credit report. Despite my numerous attempts to dispute these items, they persist, causing significant harm to my financial well-being. I demand immediate action to rectify this situation. 

I have initiated disputes for these fraudulent items on multiple occasions, and yet they remain on my credit report, causing distress and limiting my access to financial services. Despite providing comprehensive evidence to support my claims, there has been little to no progress in resolving this issue. 

The presence of these fraudulent items has had a severe impact on my financial life. They have significantly lowered my credit score, making it difficult for me to access loans, mortgages, and other financial opportunities. As a consumer, I have the right to an accurate and fair representation of my credit history. 

I urge you to treat this matter with the utmost seriousness and urgency. I am enduring ongoing financial difficulties due to these inaccuracies, and it is crucial that you take prompt action to correct the situation. I request the following : An immediate, comprehensive, and impartial investigation of the fraudulent items in question. 
Regular updates on the progress of the investigation. 
Immediate removal of any inaccurate or unverifiable information from my credit report. 
A formal, written explanation of the results of the investigation. 
I trust that you will address this issue promptly and effectively. Failure to do so may compel me to take legal action to protect my rights as a consumer. 

Enclosed with this letter, you will find copies of the evidence I submitted during my previous dispute attempts for your reference. Please acknowledge the receipt of this complaint within 15 days and inform me of the steps being taken to resolve this matter. Please assist me to remove these following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-26
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried to have things removed from credit bureaus all 3. XXXX has me locked out now online, I try calling, security info doesn't match and can not get a person on the phone. Few minor debts I will list that I'd like removed from all bureaus, and have contact debtor and no help. XXXX {$120.00} I never lived in XXXX around the time this bank account was opened I had lost my wallet with i.d and social security card in it. I contacted this bank, they said it has been charged off, but I'd like it removed, as it was not mine, It is affecting me being able to get any type of credit card or loan, so I offered to even just pay it and they refused, there fore there are denying me to pay it off, and to remove as charge off as fraudulent account. Next XXXX XXXX XXXX  also known as consumer finance I paid that off 3 weeks ago, I did not realize I had that delinquent account, forgot about but it's paid so I need that removed. XXXX says I had credit line with them, I've never been approved for such, and it's listed on one of 3 bureaus as past due, but XXXX balance so I'd like that remove, they are also listed under inquiry. Like that removed since this again was probably somebody using my name. Then multiple address listed on my credit. My address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX FL XXXX, that is address on my Florida i.d so all other address pls have removed from all three credit bureaus. Then employer is XXXX. All other jobs listed are over ten years ago, so I'd like all employers besides XXXX removed. XXXXXXXX XXXX XXXX has multiple past due account small bills, like {$7.00}, {$31.00}, $ XXXXi never lived in XXXX XXXX where they r saying that bill occured, contacted them no help. Informed them that if this was my account I have had full coverage medicare since XXXXso I sent the bill to my insurance, they said this is not my bill. Please remove all these things. I can't get threw to XXXX, Equifax I filed disputes online, XXXX saying XXXX  is mine but it's not. And I'm just so upset that from little things more credit is so low and I spent hours trying to correct with 3 main bureaus and only few things updated, but main thing is XXXX and the XXXX XXXX XXXX XXXX which I paid off you can verify calling XXXX and they direct you to consumer finance which was collection agencys d confirm please that I paid, 3 bureaus telling me upload it online yet 2 of them have my online acct frozen for answer security question wrong, and I tried calling to unfreeze and can't get a person in the phone. I'm literally losing my mind about these people not helping me, acting u professional, and talking to me like XXXX over some small debts like I'm a XXXX, it's not right

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Please treat this complaint as a NOTICE OF ERROR under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). 

On XX/XX/XXXX, a non-judicial Foreclosure is scheduled to take place. Your Company served us with a NOTICE OF SALE UNDER POWER in XXXX County Georgia. However, the required notice is invalid and can not be used for foreclosure in the state of Georgia. 

Specifically, the notice has been served upon us, the property owners and published to the world but is inaccurate and incorrect. 

Please be advised that XXXX XXXX and Its foreclosing law firm, XXXX XXXX XXXX. has erroneously PUBLISHED THE PROPERTY LEGAL ADDRESS AS XXXX XXXX  XXXX XXXX XXXX GEORGIA XXXX -- -- HOWEVER, AS OF THE DATE OF THE SERVICE AND PUBLISHING OF THE NOTICE ON XX/XX/XXXX THE CORRECT LEGAL ADDRESS OF OUR PROPERTY WAS AND IS XXXX XXXX XXXX COURT, CITY OF XXXX XXXX, GEORGIA, XXXX. ( See EXHIBIT-4A as proof ) As of XX/XX/XXXX the legal notice has already published for three week under an false and erroneous representation. 

Although SPS Inc., Its Client or Representatives hold no security interest in our property, and is not a secured credit under Georgia law, nonetheless, in order for the company to be in compliance with the Georgia non-judicial foreclosure statute they must cancel the current foreclosure notice. 

Furthermore, we request that you answer the following question? Was loan No. : XXXX, previous number XXXX originated in lawful compliance with all federal and state laws, regulations including, but not limited to RESPA, TILA and FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
My alarm system XXXX, charged my bank account in error for equipment that was already paid causing my mortgage payment to bounce from my account. I told XXXXXXXX XXXX  about what happened and was told I would not be penalized and no adverse reporting to the credit bureau would take place. I told them when I would make the payments this month as I was waiting for XXXX to refund thousands of dollars from the error that was made. Ive never been late and I believed the XXXXXXXX XXXX  representative. I have a top secret security clearance for work and negative credit reporting isnt allowed. XXXXXXXX XXXX reported the mortgage as late, my score plummeted and Im at risk at work for disciplinary action as a result of the negative mark on my credit report. By the XXXX two full payments will be made to XXXXXXXX XXXX  ( one has already been completed ). XXXX XXXX can schedule the payment if they want assurance. XXXXXXXX XXXX knows this isnt my fault yet Im being penalized because of a terrible error from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My Check that I deposited was Cashe 'd And my funds were send for review they were supposed to call the maker of the check and did not do so I left details instructions on how to contact the maker of the check he told me no one has contacted him about the check in this handle asap I missed out on my kids XXXX and birthday I'm very stressed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-14
Company: DISCOVER BANK
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: Old information reappears or never goes away

Complaint:
XXXX  stills has an old account with DISCOVER card that was settled at a lower amount. The settlement was on XXXX, 2012 making it 8 years only record, when it should have been removed. The remaining balance is up to date, ( in fact 6 months ahead in payments on payments ). Current remaining is {$1600.00}

Company response to consumer: Closed with explanation