BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-20
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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX  XX/XX/2018 EXPERIAN INFORMATION SOLUTIONS RE : Requesting a Method of Verification Letter RE : XXXX XXXX XXXX  XXXX   Dear Sir/Maam : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding erroneous items on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, with my address and social security number, dont know how you did it, but, its not correct because XXXX XXXX XXXX DOES NOT have that account number attached to THIS ADDRESS! And you are electing to leave it on my report.

I am absolutely certain that the items I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this deliberate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record.

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.

Very Respectfully, 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 2022-12-16
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX Late Date XX/XX/21

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: GOLD KEY CREDIT, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX XX/XX/XXXX I CONTACTED THE DOCTOR PRATICE AND SPOKE XXXX, SHE STATED THAT THE XXXX   XXXX XXXX IS RETIRED AND THE PRATICE XXXX XXXX XXXX. HAS CLOSE AND NO LONGER IN BUSINESS, I WAS AND STILL A VICTICM OF IDENTY THEFT, STARTING YEAR XXXX CURRENT THE DEBIT COLLECTIONS COMPANY GOLD KEY, REPORTED 4 NEGATIVE ACCOUNTS WITH XXXX XXXX XXXX PRATICE, AND CAN NOT UPDATE WITH THE COMPANY THAT IS CLOSE, THE COMPANY XXXX IS WORKING IS A STEM CELL RESEARCH COMPANY CONTACT NUMBER XXXX ASK TO SPEAK TO XXXX., CONTACTED SECONDARY INSURANCE PORVIDER XXXX XXXX XXXX HAS NO INSURANCE CLAIMS PAID DATE CALLED XXXX FRAUD DEPT XX/XX/XXXX THEY HAVE NO RECORD OF DATES OR OPEN BILLS FOR XXXX XXXX XXXX, GOLD KEY DEBIT COLECTOR HAS REFUSE TO TALK TO ME XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX # 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 1692 Section 805 A. States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer.

15 U.S.C 1693 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse or harass at the called number.

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 2021-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Hi My Issue is bit complex and tried my best to talk to banks to get my money back but no one helped and did an useless investigation, I tried many ways but CFPB is the only hope please help me here On XX/XX/XXXX i made an Balance Transfer of XXXX $ from my XXXX credit card to my Bank of america checking account, on XX/XX/XXXX I used my Bofa mobile app deposit check option to desposit those XXXX $ into my bofa checking account, Till here everything was fine On XXXX, My Bofa account got charged XXXX $ saying " Debit Adjustment Duplicate item '' when i called the Bofa customer care they said i have cashed my check twice which i did not. then i informed Bofa fraud team that i only cashed the check once and second time is a fraud which i did not commit, then the Bofa fraud team mentioned that if its Fraud i need to complain XXXX as the check belongs to them When i talk to discover Fraud team they say that those XXXX $ already got credited to My Bofa checking account and we are not responsible for any fraud. 

I never cashed my check second time its an fraud attempt done by someone, i have crushed and trashed my check after the money got deposited to my account, But the bank of america wrongly charged my account saying i cashed the check twice Now i lost XXXX $ due to bank of america mistake and had to pay back XXXX $ back to discover with Process fee The Check has my name and my bank account details, No one should be able to cash that, due to Bofa mistake i lost money Its purly BOFA mistake to charge my account. 

Please help 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 2018-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2023-06-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXXXXXX Balance Owed : {$4700.00}.

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 explanation
Consumer complaint received 2021-12-01
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My ex-wife ( XXXX XXXX XXXX and I ( XXXX XXXX ) purchased the property located at XXXX XXXX XXXX, XXXX, Ohio XXXX in XXXX of XXXX. We took out an XX/XX/XXXX loan with XXXX XXXX XXXX XXXX ( 80 % ) and XXXX XXXX ( 20 % ) on XX/XX/XXXX. The home was awarded to me by the XXXX XXXX XXXX XXXX XXXX County, Ohio in XXXX of XXXX. I filed a XXXX XXXX  Bankruptcy in the XXXX XXXX of Ohio on XX/XX/XXXX and it was discharged on XX/XX/XXXX Ditech filed a claim for the mortgage in my case and the Trustee made monthly payments for 60 consecutive months to Ditech. There was a house fire XX/XX/XXXX for which there was homeowner 's insurance with XXXX XXXX XXXX. This policy paid {$19000.00} to the lender who was Ditech Financial ( the loan had been assigned to them ). Ditech originally cut a check to a contractor to repair my home in the amount of {$4800.00} which they subsequently stopped payment on when they filed for XXXX  XXXX Bankruptcy. They filed bankruptcy 45 days prior to receiving the proceeds of the fire insurance payment. I made exactly 56 phone calls to Ditech with no response or accounting of the fund. The XXXX XXXXXXXX Trustee also attempted to make contact as these funds were supposed to be sent to him. Regardless, Ditech never used any of the funds to repair my home ( it is still in a state of disrepair and has smoke damage ) and did not credit any of the funds against the mortgage balance owed to them. Additionally, Ditech did not credit any of the XXXX  years of XXXX  XXXX Bankruptcy payments made to them ( the trustee paid the mortgage as a conduit payment ). The Bankruptcy Court issued an order requiring the mortgage lender to properly adjusts the payoff balance- which never happened. Ditech Financial LLC/Green Tree Servicing , LLC assigned my loan to New Residential Mortgage XXXX XXXX on XX/XX/XXXX. I have not received any mortgage statements for three years. My ex-wife has received correspondence from Shellpointe Mortgage regarding the loan but there is no assignment of record in XXXX County, Ohio to this company. 

A foreclosure was filed by Shellpointe Mortgage in XXXX but has never been completed. 

I would like an accounting of this loan all the way back to the beginning. I want to see every expense and charge and every credit for payment made since the beginning of this loan. I want to know what happened to the fire money and what happened to the XXXX XXXX payments ( all 60 of them ). I want to be recognized under appropriate federal loan servicing guidelines as an individual able to receive information on this loan as I have paid on it for years and the property is in my name- as ordered by the Court.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC 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 explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NJ XXXX XX/XX/XXXX To : Trans Union Supervisor, Legal Department XXXX XXXX XXXX XXXX, IL XXXX VIA U.S.P.S. CERTIFIED MAIL/RETURN RECEIPT REQUESTED Re : Failure to conduct a reinvestigation ; request for damages under the FCRA To Transunion, On XXXX XXXX, I mailed you a letter disputing inaccurate and past the stature of limitation information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following XXXX  XXXX account # XXXX and XXXX XXXX XXXX  Account # XXXX. As per U.S.P.S. records, you received my above-mentioned dispute letter on XX/XX/XXXX. Accordingly, under the FCRA, you were required to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the 30-day period on the date on which you received my above-mentioned dispute letter. Specifically, you received my dispute letter on XX/XX/XXXX ; therefore, your response was due on or by XX/XX/XXXX I have allowed for 34 days to pass to account for any delays in mailing by the U.S.P.S., but to no avail, it appears that you have willfully failed to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the 30-day period on the date on which you received my above-mentioned dispute letter as required under the FCRA. 

As a result of your conduct as described above, you shall promptly delete the disputed information. Additionally, as per the FCRA, deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX. 

Be advised, this is not another dispute or opportunity for you to reinvestigate a previous dispute. Your time period to conduct such a reinvestigation has expired and shall not be extended by law. 

Promptly delete the disputed information and send proof thereto and send me the check to my mailing address listed above in no later than fourteen ( 14 ) days of the date of this letter. Time is of the essence. If you do not timely comply with the requests within this letter, I intend to turn this matter over to a consumer lawyer for consideration of litigating the issue in federal court. 

Sincerely, XXXX XXXX Social Security Number : XXXX Date of Birth XX/XX/XXXX Enclosures : Original dispute letter dated XX/XX/XXXX ; ID ; U.S.P.S. tracking data cc : Consumer Financial Protection Bureau via upload

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 2022-08-13
Company: EQUIFAX, INC.
State: CA
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 these accounts below have violated my rights. 

Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I received a text message from Ally Bank stating that they believed that our checking account was receiving fraudulent charges and they had put a hold on our debit card/checking account. I then looked at the bank account and saw that there were many charges that I did not authorize, in fact there were around XXXX fraudulent charges made from XX/XX/XXXX and XX/XX/XXXX. Ally bank refunded all but XXXX fraudulent charges. The other fraudulent charges they claimed were fraudulent, but XXXX charges they said were not fraudulent. These XXXX charges that they refused to reimburse were made by a 3rd party merchant named " XXXX ''. Ally Bank has a policy that states they do not reimburse for 3rd party merchants. Ally Bank told me to fill out a form listing all charges including the dispute numbers, date, amount and merchant. I filled out the form and sent it in to Ally Bank for them to help with the recovery of the funds. This was on XX/XX/XXXX. They said it could take up to 90 days to get a response. On XX/XX/XXXX I received XXXX letters from Ally Bank in the USPS mail stating that " Our research indicates that the transaction was authorized and is correct. We've attempted to resolve the disputed transaction with the merchant on your behalf, but the merchant has not provided a reversal of the disputed transactions ''. This is not true, I never authorized those XXXX charges on my account. Below I will list the dispute numbers, date it took place and amount. We also have filed a police report with the XXXX, XXXX XXXX police department, and the Federal Trade Commission. 

Dispute number, date, and amount XXXX, XX/XX/XXXX, {$200.00} - XXXX, XX/XX/XXXX, {$24.00} - XXXX, XX/XX/XXXX, {$20.00} - XXXX, XX/XX/XXXX, {$14.00} - XXXX, XX/XX/XXXX, {$52.00} - XXXX, XX/XX/XXXX, {$75.00} - XXXX, XX/XX/XXXX, {$42.00} - XXXX, XX/XX/XXXX, {$1.00} - XXXX, XX/XX/XXXX, {$230.00} - XXXX, XX/XX/XXXX, {$10.00} - XXXX, XX/XX/XXXX, {$20.00} - XXXX, XX/XX/XXXX, {$20.00} - XXXX, XX/XX/XXXX, {$50.00} - XXXX, XX/XX/XXXX {$50.00} - XXXX, XX/XX/XXXX, {$50.00} - XXXX, XX/XX/XXXX, {$10.00} - all these charges were made by " XXXX '' totaling {$880.00}

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 monetary relief
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: AK
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 {$7500.00} improperly reporting on credit reports

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