BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-01
Company: FIRST PORTFOLIO SERVICING INC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Company is not following through with what they said they would do. They finally sent the paperwork for me to sign via XXXX in order to extend my payment due date ( due to Covid-19 and not having an income ). I signed the documents immediately and they were sent to the company. I received confirmation ( only through XXXX ) that they had been signed and my part was done. However, when I call and review my online information, it still shows my old due date. My account shows I am PAST DUE and does not reflect the new due date. When I call, they do not have any new information and still show the old due date XX/XX/20 ( not the XX/XX/20 ). I am told I have until XX/XX/20 ( since there is a grace period ). I would like to have my account reflect the correct information and would like something documented showing that the loan company is following through with what they said they would do. As mentioned, when I call, they do not have this updated info. I have never been late on a payment and feel that I should NOT have to spend every day following up on this. This situation is already extremely stressful and having this burden added on to my plate is ridiculous and uncalled for. PLEASE, update my information! Let my account reflect that my due date is XX/XX/20 and not that I am late! XXXX shows that they have not even looked at the document since they created it on XX/XX/20!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: FL
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 Report Act XXXX, Account:XXXX, Creditor : 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 an account without my written instructions. 
Based on my knowledge I don't owe this creditor

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 2020-02-17
Company: EQUIFAX, 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 respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following NOT Metro 2 compliant accounts should be removed : Creditor : XXXX/XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX/XXXX  XXXX  XXXX- Account : XXXX**** Creditor : XXXX XXXX  XXXX- Account : XXXX**** Creditor : XXXX   XXXX  XXXX- Account : XXXX**** Creditor : XXXX  XXXX- Account : XXXX**** Creditor : XXXX  XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX  XXXX- Account : XXXX**** Creditor : XXXX  XXXX- Account : XXXX**** Creditor : XXXX   XXXX XXXX- Account : XXXX**** Creditor : XXXX  XXXX   XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX- Account : XXXX********** Creditor : XXXX XXXX - Account : XXXX**** Creditor : XXXX XXXX XXXX- Account : XXXX******** Creditor : XXXX/XXXX XXXX- Account : XXXX***** This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: First Federal Credit Control, Inc.
State: FL
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 Report Act XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Based on my knowledge I don't owe this creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX Equifax and XXXX Please make-up your mind You are reporting me delinquent for Citizens one Hone loans as followed for 2019 XXXX Delinquent for XXXX XXXX and XXXX Experian DELINQUENT FOR XXXX XXXX AND XXXX Equifax DELINQUENT FOR XXXX XXXX AND XXXX It has been multiple time not XXXX not but minions of times that Citizens has provided you with the current delinquency months yet you XXXX Equifax End XXXX have failed to update it correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid this account in XXXX in full Acct # XXXX. I spoke with a customer representative stating they would send out a paid in full letter and remove account from my credit report. I received a paid in full letter dated XX/XX/XXXX. 

I just checked my credit report today XX/XX/XXXX. The information report : Date Last Active XX/XX/XXXX Date of last Payment XX/XX/XXXX Balance : {$990.00} Last Reported : XX/XX/XXXX This Company over the last 2 years has reported incorrect information on my XXXX Credit Report. I have made complaints on this company in the past. All information in this complaint is drastically incorrect. I would like this account deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: ERC
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: Old information reappears or never goes away

Complaint:
In XX/XX/2018 I filed a dispute against XXXX XXXX XXXX. The dispute was validated and removed the ac ch int from my report. Now the account is back on my report with a different credit bureau ( XXXX  ). Also the start date was changed which re starts the statute of limitations. Which is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-07-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
ive been trying to get Equifax to unfreeze my report, im in the process of buying a vehicle and they say that my report is unfrozen but when the banks pull it up it does show up, and yes ive sent all the documents that they need me to send including verifying my identity which ive done several times and ive also spoke to the supervisor several times. they need to fix the problem on there end so i can able to do what i need to, by them not letting me see my report is a big violation to my consumer rights.

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

I contacted " THE COMPANY '' and asked for them to investigate & remove the fraud alert from my consumer report that they are illegally reporting.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Mr. Cooper Group Inc.
State: CA
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:
On XX/XX/XXXX I received a phone call from my loan agent because my husband and I were trying to purchase a house and get pre-approved. My loan agent called and said that my credit shows a {$67000.00} mortgage debt. She sent me my credit report and told me to call the company and find out why they are reporting this against me since I did a short sale on the home home in question. I called Mr. Cooper ( which used to go by Nationstar and is showing up on my report as Nationstar ) on XX/XX/XXXX and was hung up on a couple of times with each representative stating that my phone was suddenly losing connection. I finally spoke with someone named XXXX. She asked me for my loan number and I told her I didn't have one because I never did business with Nationstar. She gave me the steps to follow to have this resolved within the company and removed within about a week. I called the number and left a message on the voicemail of XXXX XXXX. He called me right back and stated that they were closing for the evening and he would call the following morning. He issued me a loan number to use for follow up. He did not call the following morning so I called him. He said that he passed the information to his supervisor and has not heard anything from her so he would call or email in a couple of days. It has currently been three weeks and I have heard nothing. With the Covid 19 going on I was being generous and giving additional time but now I am frustrated. I called again yesterday late morning XX/XX/XXXX and Left Mr. XXXX a message and he has not returned my call yet. I'm not sure what the problem is since I have the title documents showing that my sale went through XX/XX/XXXX and they have record showing that the transfer of my loan to them from XXXX  XXXX XXXX was effective XX/XX/XXXX. Its as simple as me emailing or faxing them these documents as proof. At this point, they are the only negative on my credit report. I was advised that by going in house and requesting a credit update so it goes through all of the credit agencies would be smoother and quicker than if I went directly to each credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: American First Finance, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
American first finance i have a fraud with a balance {$1000.00} I want to remove that from my account because I have never have account with american first finance. it's coming out in my credit. PLEASE REMOVED THAT ACCOUNT THANK YOU this is my contact number XXXX and my email is XXXX My adress XXXX XXXX XXXX XXXX nj XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I tried to contact this company about about 2 weeks letting them know that this account was open up fraudulent in my name and the party that open it up has passed away and this company has called me numerous a times harassing me in reference to this and now they are reporting this on my credit bureaus with fraudulent information and this needs to stop and whats crazy is that they allowed someone to open up this account without proper information and now its affecting my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
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:
Experian, XXXX, and XXXX are reporting inaccurate information on my credit file regarding XXXX XXXX XXXX. 

XXXX reports the Balance {$780.00} and the date the account was opened was XX/XX/2019. This is inaccurate information. They also list XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. # XXXX. 

Experian lists XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. 

According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). XXXX, XXXX, and Experian are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts posted to a person 's credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see the Verifiable Proof of an original Consumer Contract with my Signature on it for XXXX XXXX XXXX. You can't provide one because NO CONTRACT exists. In addition, XXXX XXXX XXXX lists XXXX XXXX XXXX XXXX XXXX as the original creditor. This isn't the accurate name of the original creditor and I never gave my consent for any of these companies to share my data. 

One of these companies has fraudulently reported that the business address for the storage unit is my personal home address. This is false, misleading, and I don't think a business should be able to dictate to a credit reporting company where I lived or did not live. 

I am not liable for this debt. I never signed a contract with XXXX XXXX XXXX and have been harassed by their constant calls and damaged by their fraudulent reporting of this debt. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. I have asked multiple times for validation and received nothing. How are the credit bureaus validating this?

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 2021-08-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Over thirty days ago, I wrote to Credit Bureaus dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays date, Credit Bureaus have not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence.

Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-days mark has come and gone without any response from their office. 
I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that these misleading information such as a wrong status has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: ERC
State: AZ
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:
ERC : XXXX, XXXX. XXXX  XXXX, XXXX, FL XXXX in XXXX this item appeared on my credit report ( ALL 3 ) stating I owed ERC a collection company, over {$700.00} for XXXX. It took me several attempts, and multiple disputes, as this was not my account. They finally deleted this incorrect information from my credit reports in XXXX. On XX/XX/XXXX I received a notice stating I owe XXXX {$770.00} and it has been placed with ERC for collection efforts, and has been authorized to report this debt to credit reporting agencies. Why is this nightmare re-surfacing??? It took me nearly 3 years to dispute, and resolve and have deleted and now they are trying to re-submit?? I feel this is a threat. And they are trying to get money out of anyone that will respond. This is NOT my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In response to the letter, your company sent a pile of statement received from the creditor as proof that I was credited for the alleged transaction. Further, the creditor reported this on my consumer report as " charge off ''. It means the creditor will no longer attempt to collect this alleged debt owned by them. Therefore, pursuant to my rights, I approached the creditor and asked the following questions. 1. Have they sold this alleged debt? 2. To whom is the alleged debt sold to? 3. Are they still in the process of collecting the debt? Through the response received from the creditor, I would like to inform Transworld Systems Inc. has violated 15USC 1692j ( a ) because Transworld Systems , Inc. furnished a deceptive form to create a false belief in me as a consumer that the " creditor '' was attempting to collect the debt but in reality, it was not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
There are three ( 3 ) late payments from XXXX XXXX reporting on my credit file from XXXX, XXXX, and XXXX of 2018. I set up automatic bill pay through my local bank, XXXX, however, the payments were not processed due to bank errors. 

Since these late payments were caused due to errors by my bank, Im requesting the late payments be removed from my credit file. 

Attached is a letter from XXXX XXXX  for supporting 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
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: IN
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:
To whom it may concern, I have disputed inaccuracies and accounts on my credit file with Experian. I have sent all documents by certified mail and online dispute portal since XX/XX/2023. On XXXX XXXX, XXXX, a rep. from Experian said that they need more information from me why I am disputing items on my credit file. I said I will not submit anymore documentation. The rep said most of my documents got misplaced. My reply was, " that is not my problem. Everything was sent by certified mail. XX/XX/2023, I have received several emails from Experian requesting again my personal information to verify again it is me. I will not subject myself with this again. My rights as a consumer have been violated due to the fact these Credit Bureaus are not doing their due diligence in helping the consumer. Please do not send me any more emails asking for this and that when everything was sent certified mail. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
15 U.S.C. 1681i ( a ), If you can not provide proof, the original contract with my signed signature on it, the disputed accounts must be deleted by law. This issue has been way 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