BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: CAINE & WEINER COMPANY, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I am writing to address a significant concern regarding the inaccurate reporting of dates to the credit bureaus, which has resulted in incomplete and misleading data on my credit report. Specifically, I have noticed discrepancies between the dates reported by XXXX and XXXX, as follows : XXXX reports Date Opened as XX/XX/2023 and Date Last Active as XX/XX/2023. 
XXXX reports Date Opened as XX/XX/2023 and Date Last Active as XX/XX/2023. 
It is crucial to emphasize the importance of accurate and complete credit reporting, as this information plays a significant role when lenders review my credit report. These dates carry substantial weight in determining the creditworthiness and financial standing of consumers. Therefore, it is imperative that these dates are reported correctly and consistently across all credit reporting agencies. 
According to the 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) - Responsibilities of furnishers of information to consumer reporting agencies, it is the duty of debt buyers, such as yourself, to provide accurate and complete information to the credit bureaus. In this case, the inconsistent and inaccurate reporting of dates has led to misleading information on my credit report, potentially affecting my ability to secure credit and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: LA
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:
I, XXXX XXXX, am filing this complaint against Equifax and there is no third party involved. I have sent out a letter to Equifax mailed certified XX/XX/XXXX. Equifax is in violation in regards to the information that is being furnished on my consumer report. I would like to state that Equifax is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that a consumer reporting agency may only furnish information to a consumer report in accordance with the written instructions of the consumer. I, the consumer, never gave Equifax any written consent to report anything to my consumer report. NO CONSENT = IDENTITY THEFT. The following are fraudulent inquiries. I did not initiate, authorize, benefit from, nor consent to any of the listed inquiries and I demand they be removed from my consumer report IMMEDIATELY, as they are a result of identity theft : 1. XXXX XXXXXXXX 2. XXXX XXXX XXXX : XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX 3. XXXX XXXXXXXX XXXX XXXXXXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4. XXXX : XX/XX/XXXX 5. XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX 6. XXXX XXXX XXXX  : XX/XX/XXXX 7. XXXX XXXX XXXX : XX/XX/XXXX 8. XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX These fraudulent items on my consumer report is preventing me from having an equitable consumer report and causing great troubles obtaining personal property for my household needs. If Equifax can not provide to me a copy of when I sent a written permissible purpose to furnish these inquiries, I demand these fraudulent, unauthorized inquiries be removed from my consumer report WITHIN FOUR ( 4 ) DAYS! If my demands are not met, I will hold Equifax civilly liable under 15 USC 1681n for willful noncompliance AND aggravated identity theft pursuant to 15 USC 1681a ( q ) ( 3 ). I have enclosed a FTC Identity Theft Report which states the fraudulent inquiries that need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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**********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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: IL
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 to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 15 USC 1681 Section 602 A, states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX 15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to work with my lender for several months now and every week they continue to ask me the same questions over and over again. Today, my counselor XXXX XXXX who is helping us through this difficult time spoke to a supposed supervisor by the name of XXXX who just wasted more time. XXXX was advised that for weeks now we have advised SPS that I ( XXXX ) started working on XX/XX/2021 and my wife never stopped working. On their XXXX there was two sections where you advise what is the start date of employment. I don't understand how inept their underwriters are in getting my review completed. I am losing my home because these people don't care and are poorly handling my request for help! For over 30 days now we keep going back and forth on my income, this is ridiculous of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Prosper Marketplace, Inc.
State: LA
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:
My account met maturity on XX/XX/XXXX. Due to a program for XXXX relief, there was a large balance due. An employee with Prosper called with a plan to pay down the balance and avoiding any negative information sent to the credit bureaus. I agree and set up 4 monthly payments to settle the balance paid on by a certain date in order to keep the account current, allowing no negative information to be submitted. 
The next day another employee with Prosper called with an option to settle the account in XXXX payment instead of the agreed upon plan the day before. I told the Prosper employee I rather keep what I agreed to. 
After making XXXX of the XXXX payments as scheduled, auto bank transfers, I get an alert from my credit monitoring service that I was 60 days behind. This must be a mistake, I called Prosper about this and was told they were at fault for by a mistake made by them and that the terms I agreed to were null and void and that they would not remove the negative reporting. Prosper acknowledges they made multiple mistakes, including offering me a refund of my payments and still refuse to fix the problem that they have caused. I have called multiple time today on XX/XX/XXXX only to be purposely disconnected while on hold to speak to someone.

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 2023-02-08
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The credit card in question is with Regions Bank ( headquartered in Alabama ), although my accounts with Regions are all in Louisiana. 

In the past I paid my credit card online using my Regions checking account. Now I am paying my credit card using an external bank - XXXX XXXX which has branches in many of the same states ( including LA and AL ) that Regions operates. 

Regions is holding my payment for ten days. This seems unreasonable to me, as they acknowledge they received the payment and they payments have cleared my XXXX XXXX account. This all happens in two days. The amounts are not large - {$500.00} and under. 

I have had this account for many years and have a perfect payment record with Regions.

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 2022-10-23
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:
FOUR INSTALLMENT LOANS FOR THE SAME THING? ONE SAYS IT WAS CLOSED IN XXXX I WAS SICK DURING THE PANDEMIC FOR A YEAR WITH COVID 19 3 TIMES, I HAVE NO RECOLLECTION Payment Information Payment Status Collection/Chargeoff Past Due Amount {$130.00} Highest Balance {$1400.00} Monthly Payment $ 0 Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms 12 Remarks Charged off as bad debt Profit and loss write-off Creditor Name XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX {$3900.00} XXXX, XXXX XXXX Account Closed Date Closed : XX/XX/XXXX Credit Usage You're currently using 112 % of your credit limit. 

30 % ( Stay below ) 112 % Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$3500.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Late 120 Days Past Due Amount {$640.00} Highest Balance {$3900.00} Monthly Payment {$120.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms XXXX XXXX -- Creditor Name XXXX, XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX {$1800.00} TAB/SUNBIT XXXX Account Closed Date Closed : XX/XX/XXXX Account Information Account Status Closed Account Type Installment sales contract Date Opened XX/XX/XXXX Credit Limit -- Payment Information Payment Status Collection/Chargeoff Past Due Amount {$920.00} Highest Balance {$2300.00} Monthly Payment $ 0 Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms XXXX Remarks Charged off as bad debt Profit and loss write-off Creditor Name XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX everything looking correct XXXX 
If not, you can report an inaccuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-06
Company: ULRS, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Moving company moved me and stole several tools. I disputed the cost of moving with my credit card company after movers refused to reimburse for stolen tools. Dispute was denied by moving company and charge was reapplied to my credit card. Moving company sent my account to United Legal Group for debt collection. 

Debt collectors harassed me and threatened me. I provided multiple documents showing debt was paid in full. They told me they were closing my case and agreed account was paid in full. Then I received notice that my account was reported to credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: FL
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:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2020-12-21
Company: Experian Information Solutions 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:
I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 60 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 60 days late. There was an error on their part. I was never 60 days late.

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 2023-11-16
Company: Experian Information Solutions Inc.
State: TX
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'm submitting a CFPB complaint and demanding that the Credit Reporting Agencies delete the fraudulent accounts and information from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I'm disputing were the result of this crime? I've repeatedly asked the Credit Bureaus to remove the disputed items, correct my Credit File, and provide me with copies of proof of verification. However, the Credit Bureaus have repeatedly disappointed me and failed to provide the requested documents. Despite sending dispute letters with complete proof of identity and the Identity Theft Report I received from the FTC, the Credit Bureaus have done nothing. I'm submitting this CFPB Complaint to follow up on my previous complaint and demanding that the Credit Reporting Agencies remove the disputed items immediately before I'm forced to take legal action. Remove the following items completely from my Credit File. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. Please assist me remove the items which are fraud : XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, TX, XXXXXXXX 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 2023-05-26
Company: Experian Information Solutions Inc.
State: KY
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 2022-10-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
have accounts on my credit report that i have filed a police report for gave you the report number nothing was done. gave you identity theft affidavit signed by the deputy, but nothing was done. I told you someone made a fake id, and my information was stolen while i was in jail nothing was done. Next, I'm going to file a lawsuit against you for failure to do proper investigation to see I'm telling truth if it's it not permanently deleted off my report immediately. THE CASE NUMBER is XXXX with the XXXX XXXX XXXX XXXX XXXX THEIR NUMBER IS XXXX. THE ACCOUNTS ARE ( XXXX ON XXXX CREDIT LIMIT IS {$600.00} ) ( XXXX XXXX XXXX XXXX OPENED XXXX XXXX CREDIT LIMIT IS {$5000.00} ) ( XXXX XXXXOPENED ON XXXX CREDIT LIMIT IS {$500.00} ) ( XXXX-OPENED ON XXXX CREDIT LIMIT IS {$5000.00} ) along with all the inquiries AND XXXX DEMANDING OF A VERY DETAILED DESCRIPTION OF YOUR REINVESTIGATION PROCEDURE BECAUSE I HAVE PROVIDED ACCURATE PROOF OF THE FRAUD AND YOU SAY THAT IT IS VERIFIED BUT IT ISN'T CAUSE I HAVE NOT SEEN ANY PROFF HOW ITS VERIFIED SO PLEASE TELL ME HOW EHATS YOUR REINVESTIGATION PROCEDURE AND I WANT YOU TO REINVESTIGATE THESE ACCOUNT

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 2021-05-13
Company: CURO Intermediate Holdings
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received a text message reportedly from Speedy Cash claiming that I had been approved for a loan for {$5000.00}. As I had been in the market to obtain loan recently I took it to be a legitimate offer and contacted the number listed on the text message. The gentleman I spoke with had a very heavy XXXX or XXXX  accent claiming his name was XXXX XXXX, took down all of my information as if you were taking a normal loan application. Near the end of the call I began to get a bit apprehensive when he asked to obtain my online banking login username and password. I provided the information as requested, knowing that I can immediately change the information. He then stated they needed to confirm some information with the login information I given him I would contact me again in 15 minutes. When the time came to contact me, he called me back and told me that he was unable to deposit the funds into my account because my credit score was too low and the credit bureau was not allowing the payment to go through. At this point I knew that he was a roster because I am well aware that the credit bureaus have no input or control over who deposits what where. Then he told me that the reason be deposit was declined is because my credit score was too low. I advise him calmly that my credit score is currently at a {$700.00} and I'm able to look at it in real time through my bank and online banking service. He kept interesting that I needed to do something to raise my credit report score by 25 points and in order to do that they would be willing to make a series of small deposits into my account on the condition that I pay them back. He offered to deposit {$1000.00} into my account stating that I was to pay it back to them immediately about that my credit score. At this point I confirmed his first and last name and attempted to get a phone number other than the one I already have on hand and he immediately terminated the call while I was speaking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Ocwen Financial Corporation
State: FL
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 mortgage received {$8000.00} refund from my homeowners insurance did not notify me did not write me text me call me I had to call my insurance company and find out that the check was sent to XXXX mortgage and it was Cash on XX/XX/XXXX until this day I have still not received a letter stating that they had this money I had to call them and they open a escrow to figure out and to adjust my payment I told this company that I wouldn't pay them and it had 10 days to submit the escrow reassessment which would be the XXXX and before the XXXX they have put me in a credit bureau it's 30 days late and has also stole my money because they have not applied it to my mortgage to reduce my mortgage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation