BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-10
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi Southwest Credit System ; XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have called Equifax 4 days in a row because they will not remove the freeze on my account. They say they have two freezes and that the company I applied for a loan should use my old address.

I have advised them of my new address all four times. And to no Avail. I would like to have this freeze off my account altogether because it is hurting me more than helping me. 

The last reference number I received was XXXX. I have four other numbers they gave me for the same thing. This makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: KS
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 XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX, 2023 RE : XXXX To whom it may concern, I, XXXX XXXX, never gave Any Consumer reporting agency verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; As a consumer, I am demanding a deletion of ALL inquiries listed on my consumer 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 non-monetary relief
Consumer complaint received 2023-01-12
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This is not a new account with Venmo. Successful transfers were made in the past. BUT -- -- {$980.00}. was shown as available in my VENMO acct as of XXXXXXXX XXXX. I can not get my money transferred to my bank account on file -- -- -I think Venmo XXXX " floating '' my money to their advantage. '' 1. I have exchanged numerous emails. 
2. Different staff say different causes XXXX. Multiple phone sessions with Venmo support. Again, more excuses. 
3. I checked withy my bank -- -Bank says there have been NO attempts to transfer this money into my account from Venmo for XXXX XXXX months. 
4. Bank says all is good on their end. 
5. I have forwarded bank statements and pic IDs as requested to Venmo 6. My account was frozen for no reason, then unfrozen. 
7. Said I had XXXX personal accounts. WRONG! ..., I have XXXX personal and XXXX business 8. Venmo sends me round and round in circles with their " BOT '' replies to email inquiries/ 9, Venmo owes me interest for keeping my MONEY for NO REASON!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
Company: Regional Management Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I went into the store on XX/XX/XXXX to sign the papers to obtain a personal loan. I was told by the rep that they include certain products with every loan and was not told it was an additional cost but rather included with the loan. Upon reviewing my paperwork later, I determined this was false and a blatant violation of the XXXX. I contacted the store immediately and asked to cancel all products associated with the loan. I was told I was unable to cancel the personal property insurance despite the contract stating otherwise and despite the fact that my renters insurance covers my personal property. The next day ( today, XX/XX/XXXX ) I received a survey in my email from their corporate office. The very last question was in regards to their personal property insurance and asked if Id been informed that my homeowners insurance or renters insurance was sufficient. Not only had I not been informed it was, I was again blatantly lied to and told that it was not sufficient without the branch even reviewing my renters insurance policy. This store misled myself and likely countless others multiple times to pad their own pockets- as I understand it, the employees at the branch receive a commission for the products that they sell. If they are doing this by telling customers its included and not explaining that its optional, they are violating the law, causing financial hardship for many, and dont seem to mind continuously lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 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

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 2023-10-04
Company: WESTERN UNION COMPANY, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2023, I transferred XXXX XXXX  to my personal bank account in XXXX through Western Union Bank. This was my first time making such a transaction. During the process, I received a receipt that included a non-transaction fee. According to their promotion, new customers should not be charged additional fees. However, after completing the transfer, I noticed a reduced rebate on my account. I need your help to solve this problem. 

My Transaction Tracking number ( MTCN ) is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: ACS Education Services
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX.of XXXX XXXX XXXXXXXX XXXX  's federal student aid office ordered federal student aid loans without my consent nor the privacy act laws which is a act of invasion to privacy and is a act of fraud. The accounts to ACS Education Services, XXXX and the XXXX XXXX XXXX XXXX are wires sent to the school and are not refundable back to all businesses because they have no contract with to back thier invasion. 
The businesses in question were ordered to pay back their businesses for the loss from out of the business bank or out of their pay from whom ever is of the fault for credit loss. 
The credit paid for of {$1900.00} has to be refunded to my ownership immediately from both XXXX, and ACS Education Services as well as all businesses including XXXX, bank, XXXX XXXX XXXX, XXXX bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After moving from a previous apartment in XX/XX/2021, I called XXXX to disconnect my service as it was no longer needed. Over the phone, XXXX agreed to disconnect the service. They did not and continued to bill me for internet service even though I no longer lived in the apartment. They then sent me to collections XX/XX/2021 for a balance that I didn't owe.

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 2021-07-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Per tracking, its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC XXXX XXXX  reporting a higher balance and the credit limit is $ XXXX but reports I owe $ XXXX I dont know this company. I dont owe these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: CCS Financial Services, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
while login on to my credit monitoring site I notice a few accounts on my report that does not belong to me I would like for these fraudulent accounts removed asap these accounts or on my XXXX, XXXX, and my XXXX as well 1.XXXX XXXX {$31000.00} date open XX/XX/XXXX 2.XXXX XXXX XXXX XXXX   {$2100.00} date open XX/XX/XXXX 3. credit collection serv {$910.00} date open XX/XX/XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
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 accounts ( 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 2023-04-27
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Truist incorrectly applied late fees and reported my mortgage as late in XX/XX/2022 to the credit bureaus. After bringing the issue to the attention of Truist, I was assured in writing that the correction would be made and the fees removed. Despite continued assurances, neither has been corrected and this has been extremely damaging to my financial well being. I am happy to provide all documentation showing where Truist stated this would be corrected and where it still sits on my credit to this day. 

Truist continues to assess late fees every month PRIOR to the date the mortgage is considered late and then reverses the charges a few days later. This practice is deceptive and causing many errors and inaccuracies in my account, as well as hours of my time wasted. Letters are physically sent to my address daily saying that my mortgage is late when it is on time, and emails continue to be sent stating the same. If I have until the XXXX to pay my mortgage, I should not be assessed fees until the XXXX XXXX on XXXX of the month. Truist continues to be inaccurate with my account despite my payments being on time every single month. This is beyond harassment. I am happy to provide documentation and look forward to hearing back in a timely manner.

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 2023-07-13
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: Information belongs to someone else

Complaint:
I recently pulled my report and saw that there are accounts appearing that I am not aware of where they came from. Below are the accounts appearing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also attached a copy of my FTC complaint pertaining to these accounts.

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 2021-07-10
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: Investigation took more than 30 days

Complaint:
After waiting over 90 days for a response, they send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 days. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed.

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 2023-02-27
Company: Lendmark Financial Services
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I'm currently working with XXXX XXXX to help me repair my credit and reduce my obligations so I can secure mortgage financing through the VA to get stable housing for my family. I'm the primary wage earner for my household and my credit tanked when I was on XXXX for XXXX XXXX XXXX. I'm currently stressed and experiencing physical symptoms of anxiety knowing I may be going back on XXXX again. The loan I have an issue with is with Lendmark Financial in XXXX, PA. I'm being charged 25.75 % interest and have paid them over {$4700.00} in the past 15 months and only {$760.00} has been applied to principal. XXXX recommended I use the little bit I have available in my XXXX and asked for a settlement to stop their collection harassment and get on pace to get my VA mortgage. My payoff on the original {$12000.00} loan is currently {$11000.00}. XXXX, the branch manager stated that my offer of settling the debt for {$9000.00} is in line with what has been approved for others in the past. For my request, I was denied claiming they can not settle until my income is impaired. I don't feel I need to give them additional pay stubs or wait until my income is reduced to settle if they have offered settlements similar to others who are using debt relief programs. I also have been subject to arbitrary fees. When one of my two vehicles used as collateral was totaled and insurance needed my title, they were requesting I pay an additional {$2000.00} to get the title back. They agreed to me just paying an additional loan payment of {$400.00} for them to release it. 

I feel I'm being taken advantage of and want them investigated for unfair lending and collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: ENCORE CAPITAL GROUP INC.
State: CA
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:
On XXXX XXXX this company reported to the credit bureaus I owe two amounts. XXXX and XXXX I have never done business with this company and do not know who they are I dont now owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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: Their investigation did not fix an error on your report

Complaint:
VIOLATION AGAINST 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 


Inaccurate and false information is being reported while the bureau is continually " verified '' the information. If is has been verified as correct then why is is different via XXXX different bureaus. SEE ATTACHMENTS Clearly nothing has been verified, I DEMAND THAT THE XXXX XXXX CONSUMER RIGHTS AND DELETE THE FALSE ACCOUNT NOW. 

DELETE ACCOUNT 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 2021-07-10
Company: EQUIFAX, 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:
After seeing my credit report I found items in there that are inaccurately reporting. The Congress grant me the rights to dispute and correct what i know is erroneous from my credit profile.

Company response to consumer: Closed with explanation