BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-28
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received notice from several credit monitoring agencies that the USCB debt collection company has reported about a negative collection account in my name in the amount of {$100.00}. I have not received any notices from USCB and I know that the company has my address because they responded to a complaint I filed in 2019 and my address has not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: MD
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:
To whom it may concern, Im filing this complaint because Equifax has caused me XXXX XXXX and XXXX. Moving forward, I will be seeking litigation for defamation of character of reported false items. Im trying to handle this matter now. Im depressed and saddened, I Demand that they be deleted ASAP or I will proceed with a civil suit for is damaging my character and Ive tried numerous of times to get the matters escalated and resolved with them directly. Ive been a victim of identity theft an account was opened in my name by XXXX XXXX. I submitted disputes In XXXX, XXXX And XXXX & I have been ignored every time. The account has been removed from XXXX on XX/XX/2022 and XXXX on XX/XX/2022. Admission is deletion especially if the other credit bureaus have remove this account from my credit report. I have provided all of the documentation to them such as an Identity theft report, copy of my ID and police report. Equifax has failed numerous of times in helping me get this matter remove. Under law 15 USC 1681 in 15 CSC 6992G, I have rights as a consumer where it protect me. I spoke to a specialist in the fraud department by the name of XXXX and she stated that the file was received but never process. This is totally unacceptable, I refused to continued to be treated in this manner. I never open an account or seek medical treatment with that company. I'm demanding help today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: EQUIFAX, INC.
State: OH
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:
After 2 disputes submitted and denied by XXXX, Equifax, and XXXX, XXXX XXXX still FALSLY misleads submittals to these credit agencies by writing that I " Paid '' the past-due amount but then WRITES -- " {$730.00} Written Off ''. XXXX XXXXXXXX XXXX slowness in internal processing lead to their statement of " {$730.00} Written Off '' in the Account with XXXX  XXXX in XXXX. In addition, I believe the simple remedy is for the 3 Credit Agencies, at least, AND if possible to include XXXX XXXX, to list the TRUTH in my 3 credit reports as " Paid. Account Closed ''. 
Lastly, they mistakenly state that my account was opened until XXXX. I believe this is a FALSE statement because it was settled much earlier about XXXX, which would lead to it being deleted all together due to the 10 or 7 year listing of such item being EXPIRED for being listed in current credit agency listings. XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, US SM BUS ADMIN OD.. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW AS : XXXX XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX XXXX, XXXXXXXX XXXX inquired on XXXX XXXX XXXX XXXXL inquired on XX/XX/XXXX XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX US SM BUS ADMIN ODA inquired on XX/XX/XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 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 reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In 2022, I was contacted by a collection agency on behalf of XXXX XXXX XXXX. I was informed its located in XXXX XXXX ; I was being contacted in-regards to a debt for there client The balance owed was a little over {$5000.00} dollars I told the rep I had never lived at XXXX XXXX ; On my credit report its reflecting the start date was XX/XX/2022 I was living in North Dakota at the time and I have my lease to prove I signed my new lease XX/XX/2022 at XXXX XXXX XXXX XXXXXXXX ND  They requested for me to send it along with a notarized affidavit they've stated they haven't received it as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
XX/XX/XXXX : -When applying for credit cards, I was denied by multiple lenders. These lenders stated were not able to verify my credit/identity information because they could not access my XXXX/TransUnion Credit Report. 

-I attempted to access my XXXX/Transunion credit report online, but was unable to access it, despite answering all identify verification questions correctly. 

-XXXX/Transunion required me to request my credit report by mail, and asked me to send sensitive personal information via mail. 

XX/XX/XXXX : -I am still unable to access my credit report online with XXXX and TransUnion

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 2021-06-27
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The amsher acct was deleted from my report the end of XXXX for being Inaccurate, but has since been added back to my credit report in XX/XX/XXXX which is illegal

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 2021-06-28
Company: EQUIFAX, INC.
State: MO
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'm demanding that these unauthorized fraudulent accounts be removed from my credit file. The following accounts I have never did any business with. They do not have the right to harass me by reporting these fraudulent accounts on my files. I'm asking that they be removed. 

1. XXXX  XXXX XXXX {$180.00} 2. XXXX, XXXX {$170.00} 3. XXXX, XXXX {$810.00} 4. XXXX, XXXX {$570.00} 5. XXXX XXXX  XXXX {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Convergent Resources, Inc.
State: OH
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:
Kindly dispute it from my report im a senior citizen and Im not sure this account is too old or incorrectly reported. 
I appreciate your assistance. 
Kindly dont harrass me and keep on sending letters, moreover please remove as i dont have or ever had any negative activity on my report. 
XXXX  XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH 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 2019-06-21
Company: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We are experiencing wrongful foreclosure proceedings by Home Point Financial - haven't missed a payment with the exception of an approved forbearance period of 3 months. Funds from a FHA Disaster Partial Claim Modification ( to pay for  forebereance months ) have yet to been applied a year after signing documents. 

After Hurricane Irma ( XX/XX/XXXX ), Home Point Financial ( our mortgage bank ) offered a 3-month forbearance ( for XXXX, XXXX, XXXX ). In XX/XX/XXXX, we continued with our monthly payments until XX/XX/XXXX. On XX/XX/XXXX, we submitted paperwork for an approved FHA Disaster Partial Claim modification that would cover payment for forbearance months + XX/XX/XXXX ( while the modification was setup and took place ) in the amount of {$10000.00}. We were instructed to resume payments in XX/XX/XXXX, and we have sent our monthly payment without failure to this date. 

However, as of today XX/XX/XXXX ( a year after we submitted documentation for the FHA Disaster Partial Claim modification ), the funds have not been applied to the account. In the bank system, we appear delinquent to the amount that equals this modification and regardless of our multiple attempts to call attention to the bank to review this anomaly, we have been told that their system is correct and that we must pay in full that amount. 

We sent a letter* dated XX/XX/XXXX to several offices of Home Point in multiple states with copies of all checks proof of our  regular payments. Should the FHA modification funds were applied, we would not be delinquent. We doubt they read our letter. On phone call in XX/XX/XXXX we were told that because of our delinquency our account was sent to legal department to initiate foreclosure proceedings. *letter attached to this claim. 

Checks with mortgage payments for XXXX and XX/XX/XXXX were returned ; we sent XXXX 's payment but won't be surprised that is also returned. At the moment our delinquency totals 7 months : 4 months covered by the FHA modification + XXXX, XXXX, and XX/XX/XXXX. We have placed the funds for the returned checks aside so that when the bank starts accepting payments again, we will be able to submit. 

For months we have received calls from debt collectors, and experienced dismissives from multiple bank associates and managers - because in their records their files are accurate. They don't seem to realize the FHA modification funds are missing! 

We need help locating the FHA modification funds and having them properly accounted towards our account so that we can bring our loan account current, and stop the wrongful foreclosure proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
was called XX/XX/2021 at XXXX individual claimed he was a debt collector for Wakefield and associates.

when I asked him to be more specific he immediately asked for my SSN. 
i NEVER RECEIVED ANYTHING IN THE MAIL FROM WAKEFIELD AND ASSOCIATES INDICATING WHAT THEY WANT OR ANY SPECIFICS. 

Phone # 'S XXXX ... XXXX heavy foreign accents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
We are a veteran family who was forced to put our home into forbearance at the beginning of covid-19. After the first 3 months forbearance, we attempted to exit forbearance, at which time Wells Fargo increased our payment from {$830.00} per month, to {$1100.00} per month, for a year. This modification was signed for by my husband only. We made one payment at {$1100.00} per month, then realized that we could not afford the increase. We immediately went back into forbearance. At the end of the moratorium, we applied for a modification, which was approved, but was based on the {$1100.00} per month increase, rather than the {$830.00} original payment. The result was that our payment went up after modification rather than down. Our new payment is {$910.00}, which results in a net increase in our payment, if compared to the {$830.00} we were actually paying before attempting to come out of forbearance the first time in XXXX of XXXX. Basing the modification on the increased repayment proposal that was only signed by my husband and not me, is unfair. The modification should have been based on the actual payment before covid-19 hit, not the adjusted payment of trying to exit forbearance during covid-19.

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 2023-01-22
Company: TD BANK US HOLDING COMPANY
State: MI
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/2022 TD Bank deposited by stolen check # XXXX into XXXX XXXX 's account. My stolen check # XXXX was washed and all fields were rewritten and the amount changed from {$78.00} which I have on my carbon copy to {$5200.00}. The check issuer XXXX XXXX states all their checks are protected by XXXX. The security features on the back of the check are all missing- the back of the check is white without the water markings and other security features- my signature is completely different on this check. Yet, TD Bank, deposited money from my checking account into XXXX XXXX 's TD Bank account. When my bank submitted a warranty claim to TD Bank on XX/XX/2022, TD Bank responded on XX/XX/XXXX indicating there was " no warranty breach ''. Then my bank attempted a hold harmless agreement with TD Bank to recover funds and TD Bank replied " non-sufficient funds ''. TD Bank has not indicated doing anything to investigate this Federal Crime to myself, the victim of this crime. They were given 120 days to investigate our claim ; and now since they have not shared doing any investigation ; I am asking for an investigation into XXXX XXXX ; the suspect- their member, who ended up depositing money stolen from me into TD Bank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: Social Finance, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX, I discovered someone stole my identity and used it to take out a loan. In addition, they established accounts in my name at XXXX XXXX and XXXX XXXX XXXX XXXX. On XX/XX/XXXX, they secured a {$19000.00} loan in my name with SoFi Lending Corp and linked it to the XXXX XXXX bank accounts they established. Working with SoFi, XXXX XXXX, and XXXX XXXX XXXX, I establish the loan and the accounts were not mine. The bank accounts have been closed. On XX/XX/XXXX, SoFi acknowledge the loan was not mine [ d ] uring our investigation we found that fraud had been committed on the account and we determined we the reported to the credit reporting agency was inaccurate. They did not say the loan was not mine and that I was not responsible for paying it back. 

While researching identity theft remedies and protections, I found the CFPB fact sheet that indicated I could request a copy of all the documentation the thief used to establish the loan. On XX/XX/XXXX, I sent a letter to SoFi requesting a copy of those documents. They have neither acknowledged my request nor responded to it. Ninety days should be more than sufficient to do so. After examining the documents, I intended to ask for a more definitive letter, indicating I am not responsible for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX  currently has a checking account # : XXXX open in my name. The checking account is a fraudulent checking account thats not my checking account. I never opened the checking account. The checking account dont belong to me. I want XXXX XXXX  to immediately close the checking account and online banking access to the checking account thats currently in my name. The checking account dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Experian Information Solutions Inc.
State: NE
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 USC 1681 SECTION 602 STATES I HAVE A RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS A LATE FOR ANY PURPOSE. IT'S ILLEGAL TO REPORT THESE LATE PAYMENTS ON MY CREDIT PROFILE.

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 2021-01-13
Company: T.S. Holdings
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They called my nephew XXXX XXXX. They disclosed my personal information associated with my credit report and read him personal emails. The email was sent prior to the maintenance man doing a XXXX XXXX. He was told if he dont pay they were going to take further action. In addition, they did not disclose the management team was notified due to maintenance man touched me inappropriately while pregnant. I advised them, the apartment complex, of the issue and never resolved. Now they have turned over to third party to whom are disclosing my personal credit information to someone else!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: URS Holding, LLC
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Thank you for your recent contact dated : XX/XX/2019. 

I wrote to you on XX/XX/2019, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.

Company response to consumer: Closed with explanation