BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-28
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI CREDIT COLLECTION SERVICES XXXX XXXX Collection {$760.00} ; 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 public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Mortgage Research Center, LLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Last year I applied for a VA loan to finance the purchase of a new Manufactured Home. I called Veterans United in XXXX, MO XXXX XXXX and spoke to XXXX XXXX. We discussed the fact that this was a new home and I was having problems finding someone that could finance a " Builders Loan ''. As you know most lending institutions can refinance a manufactured home after it has been purchased but few can do the builders loan. Mr XXXX assured me he could do this and in the following days/weeks I sent " All of my wife 's and my personal information. It wasn't until after the collection of our personal information that XXXX called me and said that Veterans United was unable to continue as they also were not capable of this type of loan. 
I informed him of how unprofessional this was, and that he had collected our information probably unlawfully. Until today I have received only random advertisements from Veterans United. Today XXXX XX/XX/2019 we received NOTICE OF ACTIN TAKEN in the mail. This is unacceptable, somewhere our information is still being accessed. I feel XXXX XXXX and Veterans United should be held accountable for 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 2022-10-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2021-07-28
Company: Paypal Holdings, Inc
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
PayPal did not send me the letter that was attached in this complaint and Im XX/XX/XXXX they did not let me withdrawal the funds out of my account. The payment for {$36.00} for slots was made to me by a friend of mine for a slotting fee for his cow at the fair that I paid cash for. He was paying me back. This is really troublesome to me that the money that was held in my account by PayPal for 180 days Is then processed into PayPals bank account and taken. In my eyes as its my money this is PayPal Stealing and taking my money. How can they control that, say you abused the system without doing the proper research to see that yes it says slots but its not casino slots its a fee for slotting at the fair for my good friends Cow. This is super frustrating,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I filed a fraud claim with HSBC XXXX XXXX  for unauthorized charges on my debit card for some international charges from a merchant named XXXX in the amount of {$1900.00}. I spoke with the fraud department on XX/XX/XXXX and was told I would be issued a provisional credit within XXXX to XXXX hours. Days later I contacted the fraud department again and I was told that the credit was canceled and that they had reached out to the merchant and I had to wait until the merchant responded which can take up to 45 days. I asked why had the credit been canceled and agent could not give me an answer. Since then I have called several times to speak with a supervisor from the fraud department and I continue to get the same answer, which there is not one available and that I would get a call back from a supervisor. I have never received a call back! I have XXXX payments declined, and I have had to now switch direct deposit to another bank because this inconvenience. I was finally able to get in contact with an supervisor from the fraud department today, XX/XX/XXXX. The supervisors name was XXXX, and he told me that the credit was never issued on XX/XX/XXXX and that I had to wait for the merchant to respond. That is completely untrue because I have spoken to several agents which all showed in the notes that the credit was issued then pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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 an investigation into this XXXX  XXXX account with Experian and it came back as verified. i want to see the documentation they used to try to validate an account that not in my name. That means that this account is inaccurately reporting and should be removed immediately because as a consumer i am losing faith in Experian knowing that they are not properly investigating inaccuracies.

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: EQUIFAX, 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:
In this CFPB complaint, XXXX XXXX is requesting once more that the credit reporting agencies remove the challenged fraudulent accounts that are still shown on my credit record. According to Fair Credit Reporting Act Section 605b, the Credit Reporting Agencies are required to erase any accounts and information that were the result of identity theft. I was a victim of identity theft once more, and I'm requesting once more to have information gained through identity theft deleted from my credit report. In line with FCRA 605B ( 15 U.S.C. 1681c-2 ), any accounts must be deleted no later than four business days after XX/XX/XXXX. I had shared this report in my previous letter, and I'm publishing it again. I have my questions regarding the veracity of the information you provided on several accounts because I am UNKNOWN to you and REMOVED from other bureaus. My credit report should be cleared of the following accounts : XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXXXXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXXXXXX Date AssignedXXXX Original Balance {$2900.00} XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Balance {$1300.00}. Despite their inability to send me copies of the proof of verification from their investigation, the Credit Bureaus kept the disputed accounts on my Credit File! Since the Credit Bureaus ' actions violated a consumer 's FCRA rights, the accounts should be immediately terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In Response of the medical collection agency I have provided proof that I wrote concerning the account over a year ago not only is not mine but its been reported in the past as XXXX XXXX XXXX XXXX and Now today showing as XXXX XXXX XXXX trying recollect as a New DEBT collection. This again shows and expresses that this company has resold this Debt collection Claim to another collection agency to try to Recollect a debt and also Negatively Report to my consumer account after it once been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/23 XXXX reported my student loans to the credit bureaus ten times. I received a letter from the government that my student loans will be forgiven. The government has also placed a hold on student loans and they should not be able to do this until that hold is over!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
First name : XXXX XXXX Last name : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Phone number : XXXX Ach routing number : XXXX Checking account number : XXXX email : XXXX Tel : XXXX This person promised me to send me a check of XXXX USD to me. He added XXXX USD for fee in his bank when he issues a check, XXXX USD for delivery fee and service fee. In total, XXXX USD. I wired my money on XX/XX/XXXX. In the mean while, I told him that I don't need his check. He agreed that he would return it back to me. I said to have XXXX USD for him, and send me XXXX USD only. He agreed on the phone call. When the money arrived at his bank account on XX/XX/XXXX, he did not send any of the money and he lies that his bank ( bank of america ) let him to withhold the amount for some reason. After that, he does not answer any of my call or emails. He has my bank account information which has all addresses, emails, phone numbers, etc. He got to know me through XXXX. It is the website for the XXXX  people in NY area mainly. He posted my XXXX  profile photos, etc in order to shame me and insist that he was not a scam, but I was a scam. First, I don't understand why he insisted that he called his bank. Second, he argues that the bank of america told him to withhold my money which is wired into his account. I think the first and the second is a lie because he wants to have that money. From that point, he uses " XXXX, '' the online community for XXXX  in New York, to argue that I am a liar, not him. He post profile pictures of mine about three times, and wants to get positive comments about his behavior. Now, he avoids the call and I don't know when I will have my money back, as he promised. He said he would wire money when his bank says yes you can. But this is all bypass to avoid his direct responsibility and gain time. 

He has to wire money back. Initially, when I cancelled his promise because my box- delivery to the U.S. has been arrived. He promised me when my box did not arrive. When my box was prospective to arrive at the place, he said on the phone that he will return all the money that was then coming to him. I said, it is my gratitute, so you can have XXXX USD out of XXXX USD because the initial contract somehow changed. XXXX USD was initial service fee for XXXX XXXX XXXX, the rest of XXXX USD was the amount of check in the XXXX XXXX  that he promised to send to me. He did not send the check of XXXX USD, and he does not have XXXX USD. He all has XXXX USD on his account and does not answer my call, just post his words in 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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
These companies are in violation of FCRA 15 USC 1681. Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given any company or credit reporting agency written, non-written, verbal- non verbal per 15 USC 6802 15 USC 6805 and 15 USC 1681 ( b ) Privacy Act 1974, 20 USC 1232 ( G ) 34 CFR 99 Privacy Act 1974 and 5 USC 552 ( a ). Utilization reporting on my credit reports clearly violates 16 CFR 433.2 16 CFR 433.3. and Section 623 ( a ) ( 6 ) income and transactions reporting to any non affiliated entity is prohibited. According to the IRS publication 1099c Code F under Identifiable event codes. These companies failed to provide a 1099c for tax purposes. I am required to rectify these charge amounts as income when filing tax returns. Including 15 USC 1692 ( e ) by failing to report accurate, correct and true information on my credit report. Im requesting my credit report is updated immediately.

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 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2023-04-08
Company: World Acceptance Corporation
State: SC
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:
WORLD FINANCE CORPORATION FAILED TO INFORM THE CONSUMER OF REUQIRED DISCLOSURES PERTAINING TO OBTAINING THEIR PRODUCT AND SERVICES. THE AGENT WHO HANDLED THE FINANCIAL TRANSACTION CONCEALED MATERIAL FACTS THAT CONGRESS FINDS NEEDED TO BE DISCLOSE TO CONSUMERS ON THE BASIS OF DEALING WITH FINANCIAL INSTITUTIONS. WORLD FINANCE AGENT DID NOT INFORM THE CONSUMER ON THE RIGHT TO OPT OUT OF HAVING THE CONFIDENTIALITY OF THIS CONSUMER CREDIT TRANSACTION NOT DISLCOSED TO OTHER THIRD PARTY SERVICING AGENTS. WORLD FINANCE CORP FAILED TO PROPERLY INFORM THE CONSUMER OF MANY OTHER DISCLOSURES REQUIRED BY CONGRESS THAT WOULD SHAPE THE CONSUMER EXPERIENCE WITH THEIR CORPORATION. WORLD FINANCE CORP HAS VIOLATED MANY CODE OF FEDERAL REGULATIONS WHEN IT COMES TO CONSUMER CREDIT TRANSACTIONS. WORLD FINANCE CROP EXPECTS THE CONSUMER TO PAY ON A DEBT THAT IS IN COLLECTION BUT NEVER PROVIDED PROOF OF THE 1099C THEY FILED WITH THE IRS NOR ANY PROOF OF THEIR BOOKKEEPING ENTRIES SHOWING THE LOSS OF MONEY DO TO THIS TRANSACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, we applied to have a loan modification due to not being able to afford the mortgage. 

The loan modification was approved and we signed paperwork for HUD to apply {$24000.00}. The loan amount was {$110000.00} to start XX/XX/XXXX. This would make the payoff XXXX in XX/XX/XXXX. 

I have made all my payments since this time, and I am in process of refinancing my loan. US Bank is attempting to add a different HUD amount to my US Bank balance bringing my payoff XX/XX/XXXX to {$130000.00}. The error amount is {$14000.00} US Bank is not providing a payment history ledger showing how my payments have been applied. 

My current balance on their website is {$93000.00}. They are attempting to increase my current balance {$14000.00}. 

There is no way my current loan should be the same as I purchased the house for in XXXX. 

It appears US Bank misfiled the HUD amount and they are attempting to correct it to {$24000.00} from the {$14000.00}. In addition, they are wanting to add this to my balance, which is XXXX  % not correct. 

I am requesting US Bank to provide all documents of the proper HUD amount and ledger of my transactions from the time they assumed my loan from XXXX bank to the loan modification and after.

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 2017-02-25
Company: Risecredit, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Rise Credit : XXXX, TX XXXX Part acct : XXXX We got a loan from Rise Credit for {$5000.00} and payments have been made over {$2000.00} approx. and yet the company does not allow access to my account information online or billing by mail, Why? I have asked XXXX for help and yet My balance does not seem to match what we have paid ; in total. Can you please investigate Rise Credit and XXXX for Fraud? XXXX ; XXXX, CA XXXX

Company response to consumer: Closed with explanation