BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-21
Company: Paramount Recovery Systems, L.P.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This isnt the correct dates, this company is changing the original debt date and placing it on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
sent out dispute letters never received written verification, which was over 60 days

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 2022-11-14
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: Investigation took more than 30 days

Complaint:
It has been over 30 days and the creditor has not update the information nor has provided proof or documentation in regards to a late payment or the validity of the disputed accounts and inquires. They have not supplied this information and they must delete the alleged late payments, validated accounts and inquires on my credit report. Under federal law they had 30 days to complete the investigation and by failing to do so the items must be deleted from my report as soon as possible.

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 2022-02-19
Company: EQUIFAX, INC.
State: AR
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 HAVE SUBMITTED SEVERAL DISPUTES TO THE BUREAUS ABOUT INCOMPLETE AND INCORRECT INFORMATION ON MY CREDIT REPORT. THE ERRORS ARE OBVIOUS AND BLATANT AND THEY FAIL TO INVESTIGATE AND REMOVE THESE ACCOUNTS. THERE ARE ACCOUNTS REPORTED ON ALL XXXX BUREAUS WITH DIFFERENT BALANCES BETWEEN THE XXXX BUREAUS. THIS ACCOUNT SHOULD BE REMOVED. INCOMPLETE INFORMATION ON ACCOUNTS. THEY HAVE INCORRECT PERSONAL INFORMATION, INCORRECT ADDRESSES, MISSPELLED NAMES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Consumer Portfolio Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company is using stall tactics to avoid accountability for violating my consumer rights. I previously file a complaint about this company and they responded with questions about my identity. This is a common stall tactic used to avoid complaints made to this platform. I would like the CFPB to do a full investigation into this matter. I also provided screen-shots of the company 's response to my previous complaint. They are requesting information that they already have, For example, how was this company able to identify me using my maiden name : XXXX XXXX, but I made the complaint using my martial name : XXXX XXXX. This is proof that the company has identified me, and is choosing to use stall tactics to avoid my original complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently called to request a mortgage statement. I was notified that my account was flagged due to BK. Which is a bit incorrect. Filed Ch XXXX/Discharged in XX/XX/XXXX, Mtg not included. I was told I had to send them a written notice to get my statements turned back on. I know this is incorrect because we get monthly statements. Just not consistently. We are purchasing a new home and they needed this. I asked to be transferred to BK dept. I was on hold for over 10 minutes. The lady came back on the line and said, " I can not reach anyone they must be experiencing high call volume, what is it you need? '' I replied, I just need that monthly statement! '' I explained to her that my husband had called the previous night and they agreed to fax both months statements, but then I was told that she had submitted it for approval and it was denied. This makes no sense!! 
Then, I found out they reported that we filed a BK in XX/XX/XXXX, which is absolutely absurd. We have not spoken about, attempted, filed, etc. One and only time was XX/XX/XXXX. I call to ask for a letter to confirm house was not in BK so we can close on new home. They again said, " need a written statement ''. I replied, " Not that again '' Then asked to speak to a manager. Of course, after being on hold for 10 minutes. I hung up. What bothers me more is I can go online, see some of my account. Get payoff requests, see last 12 months payment history, but ca n't get a simple monthly statement? We have never been late, not prior or after BK EVER!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Prosper Marketplace, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX my bank ( XXXXXXXX XXXX XXXX  ) sent a payoff check to Prosper Marketplace on my behalf in the amount of {$22000.00} which was the balance shown on my credit report due to extremely slow updating by Prosper Marketplace. The check amount was greater than the amount owed on my loan. When I called Prosper Marketplace on XX/XX/XXXX to inquire why my payoff had not yet been applied to my account I was told by the agent that the creditor ( Prosper Marketplace ) has refused to post the check to payoff my account and cited it was an overpayment and was rejected. They have also stated they still have the check in their possession and will not be returning it to myself or my bank and that a new check needed to be sent to them for the correct payoff amount. My bank ( XXXX XXXX XXXX ) is stating there is nothing they can do until the check is retuned to them by Prosper Marketplace. Meanwhile I still have an open loan with Prosper Marketplace that is accruing interest and requiring monthly payments as well as an open loan with XXXXXXXX XXXX XXXX that is also accruing interest and requiring monthly payments and neither company wants to take responsibility for the {$22000.00} that is just out there that I have am being held responsible for payment of but have not received any benefit of the funds.

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 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In my last letter, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXXBalance : {$4700.00} XXXX XXXX XXXX XXXX XXXXBalance : {$4600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX : {$4800.00} 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 2017-03-02
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
After being contacted by Caliber Home Loans in XX/XX/XXXX & XX/XX/XXXX regarding refinancing our existing Caliber 30-year loan, we started the refi process XX/XX/XXXX. We were quoted a 15-year loan, 2.75 %, 0 points, 0 out-of-pocket closing costs. Application & requested docs were provided & {$500.00} was paid for an appraisal. Numerous closing disclosures have been received, none of which had the information we were quoted. A closing was scheduled for XX/XX/XXXX but on XX/XX/XXXX it was postponed by Caliber until the next week. At that point we learned that the property taxes, which were due in XX/XX/XXXX, had not been paid. Therefore, we will not be able to claim them on our XX/XX/XXXX Income Taxes. The closing has not been rescheduled, the 90-day rate lock has expired, and numerous attempts at contacting Caliber have yielded no results or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: AL
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 am submitting this XXXX XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES 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 non-monetary relief
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX 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 explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: UT
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name XXXX XXXX Account Number XXXX, Account Name XXXX  XXXX Account Number XXXX, Account Name XXXX Account Number XXXX, Account Name XXXX  XXXX Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name XXXX Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name XXXX XXXX Account Number 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 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 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. 
15 U.S.C 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On more than one occasion, I have tried to contact Coinbase in regard to a currency in my portfolio named XXXX. Without my knowledge or consent, the currency was converted into XXXX XXXX by doing so, this locked the currency in a process called " staking '', which renders me incapable of attaining my funds. After being presented with the above issue, Coinbase denied the fact that the currency conversion was done on their behalf and that I had to have done it. I even requested that my account be liquidated and returned to the payment used to no avail. Eventually on XX/XX/2021, Coinbase sent an email to me regarding the situation, and it goes as follows, " Hi XXXX, Your Coinbase account contains XXXX which is currently restricted in the state or country in which you reside. As a result, your XXXX has been restricted from access in your account. In order for you to move your XX_Name_of_Asset_XX out of your Coinbase account, we will need to temporarily restrict your account from buying and selling so you can move the crypto offsite Please reply to this email with your permission to temporarily restrict your account from buying and selling so you can move your XXXX asset offsite. After we have your expressed permission and are able to temporarily restrict your account, you will be able to move the asset. After the XXXX is moved from your account, we will remove all restrictions so you can return to normal activity within your account. 
Thank you in advance for providing us with this information. '' After reading this, I immediately followed up by giving the permissions requested. my reply goes as follows, " I XXXX XXXX, give consent to the temporary restriction referenced in your email, giving me the ability to move my XXXX off site. I'm aware that after this I will be able to resume normal capabilities within the application and site. '' After this short-lived correspondence, Coinbase never followed through with their promise. I even recieved an email stating that the " Investigation/inquiry '' was closed. A follow up email was sent asking if my issue was resolved, to which I answered " No. '' During the elapsed time of my multiple correspondence with Coinbase, my portfolio has lost almost fifty percent in value, and I blame this on the fact that I wasn't able to access the currency ( XXXX ) listed above and convert it to another less volatile currency. Coinbase in my opinion is responsible for the loss of said XXXXo value due to the fact that they did not follow through with their promise to facilitate the process that would allow me to move my currency offsite and swap it for another digital currency. 

The case number involved in this matter is XXXX # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-14
Company: Debt Recovery Solutions, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
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:
Three months ago I checked my credit score and it had dropped noticeably and I wondered why? I contacted XXXX ( one source of my credit score ) and asked why? They had a " derogatory '' rating on an account I have never seen before or knew existed. It came from Debt Recovery Solutions ( DSR ) in XXXX, NY ( XXXX ) who apparently bought a past due claim from XXXX ( also in NY ). Digging into who XXXX, I learned it is a payroll advance/loan business. I filed a fraud claim with XXXX and on their advice also filed a fraud report with the XXXX XXXX, CA Sheriff 's office ( I live in XXXX XXXX ). XXXX notified me ( after they investigated my fraud claim ) that DSR had all my personnel information correct, so it must legitimate. This claim is ludicrous, completely false and fraudulent! I am a retired successful business professional. I would never need or use a payroll advance service because I am aware of their terrible reputation and I am not in need of money. I can only conclude that my personal information was somehow hacked. How can I get this removed from my credit records? Thank You for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account name : 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 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 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 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX

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 2023-01-25
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account name : 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 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 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