BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: Law Offices of Goldberg & Oriel
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against LAW OFFICES OF GOLDBERG & ORIEL, for committing identity theft. I have never given LAW OFFICES OF GOLDBERG & ORIEL, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with LAW OFFICES OF GOLDBERG & ORIEL and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX I have not received any documentary evidence, such as a trilateral contract, giving LAW OFFICES OF GOLDBERG & ORIEL any right to collect on this alleged debt. I have never received any documentation requesting validation from LAW OFFICES OF GOLDBERG & ORIEL, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If LAW OFFICES OF GOLDBERG & ORIEL, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LAW OFFICES OF GOLDBERG & ORIEL, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LAW OFFICES OF GOLDBERG & ORIEL, continues its collection efforts, I will file for litigation for actual damages caused and LAW OFFICES OF GOLDBERG & ORIEL, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-29
Company: EQUIFAX, INC.
State: NJ
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:
XXXX   XXXX  services provided documentation to remove this account from my credit file Equifax refuses to remove the account. Equifax does not read the letters provided in order to correct the credit. If this error does not get removed from my credit file asap, i will file court proceedings against them. i have further attached the documentation.   it has been over 6months since the last filed complaint that was never cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold a house and paid off my loan in XX/XX/XXXX. I did not receive my {$5300.00} escrow reimbursement disbursement check issued XX/XX/XXXX. I contacted Mr Cooper customer service many time to request reissue of the disbursement check. Mr Cooper acknowledges that they owe me money, and they also identified an additional escrow reimbursement check in the amount of {$230.00} from XX/XX/XXXX that was never cashed, but they will not process the request. 

Most recently... 
- XX/XX/XXXX via email to XXXX ( no response ) - XX/XX/XXXX via phone. Rep told me they would initiate process to reissue check. 
- XX/XX/XXXX via phone. Rep again told me they would initiate process to reissue check. 
- XX/XX/XXXX via phone. Rep again told me they would initiate process to reissue check. 

I have customer services rep names, manager names and detailed notes for each of the above contacts. The customer service reps are very pleasant, and acknowledge that they owe me the above amounts, but there is absolutely no follow up after conversations. Radio silence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: WELLS FARGO & COMPANY
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, a payoff check was sent to the location my normal mortgage payment is processed by my bank. The amount paid was based on the payoff feature within the WF online account process with a payoff date of XX/XX/XXXX. Apparently when a payoff is made, there is a different address that should be used which I did not realize. I contacted WF on XX/XX/XXXX as payment had not occurred to find out the status. I was told you did not follow the instructions so the check will be sent to XXXX XXXX where it should have been sent originally but that interest will still accrue on the account. I feel this practice is deceptive in that my check went to where my payments typically go and I made a good faith effort to cover interest through the date it was received by WF. I was told that because I did not follow directions I would be still accruing interest. This seems unfair and somewhat abusive practice and I wonder how many others suffer under the same regime.

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 2015-10-05
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I spoke with XXXX and XXXX and they told me that Confirmation number XXXX can not be viewed on the completed Equifax investigation online dispute website for me to see the results from the investigation dispute I filed ... However, XXXX told me verbally that the creditor reported accurate information on my credit report but can not verify it in writing on their website .... I 've been told by XXXX or XXXX that I will receive information in writing 7 to 10 business days and I never received any mail correspondence from Equifax. Please make sure Equifax is reporting information fairly and accurately ... .. Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XXXX, I requested my free annual credit report. After viewing my credit report, I noticed over XXXX credit/loan inquiries on my account that was not authorized by me. I contacted each company and was told that there was not any account open under my information. I explained that I have a hard inquiry on my credit report and need it removed as soon as possible so that I could apply for a home. I was told that the inquiries would be removed from my credit report. As of XXXX/XXXX/XXXX, none of the inquiries have been removed dating back to XXXX. I had a initial fraud alert placed on my report on XXXX XXXX, so if any credit reports are being pulled with my information, I was to be contacted by the company before any action was taken place. I just want the inquiries to be removed so that my scores and credit is not being impacted any longer. I would like to purchase a house, but until all of the inquires are removed I will not be approved with XXXX inquires on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I DISPUTED SOME FRAUDULENT ACCOUNTS ON MY EQUIFAX CREDIT FILE THAT WAS PREVIOUS DELETED I WAS N'T NOTIFIED THAT IT WAS GOING TO BE REINSERTED IN MY FILE I HAVE CONTACTED THE CONSUMER AFFAIRS DEPARTMENT FOR THE LAST 5 MONTHS THE AGENT XXXX SAID SOMEONE WOULD CONTACT ME WITHIN 48 HOURS THAT 'S BEEN 5 MONTHS AGO

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX SS XXXX I HAVE SOMES ADDRESSES ON MY CREDIT REPORT THAT ARE NOT MINE. SOMEONE WAS USING MY NAME AND INFO FOR ACCOUNT THAT DO NOT BELONG TO ME. PLEASE DELETE THE FOLLOWING ADRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH 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 non-monetary relief
Consumer complaint received 2017-05-29
Company: EQUIFAX, 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:
XXXX ,   XXXX   and Equifax are reporting late payment history for an obsolete account that is eligible for deletion.  XXXX   XXXX , account number  XXXX , date opened  XXXX /2005. This account was not paid late and I have asked  XXXX ,  XXXX  and Equifax repetitively to remove the outdated account with incorrect payment history.. Then I have asked for the  XXXX , Equifax and  XXXX  if verified to please provide how this debt was verified and to please provide who verified so that I can escalate the matter to assist me in getting this outdated account removed with incorrect payment history. I am baffled as to why the company is refusing to remove the outdated account or update the incorrect payment history. I have not been late with the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Experian Information Solutions 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-16
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Dear Consumer Financial Protection Bureau : You will understand what actually transpired between me and Target after reading the XXXX XXXX, 2015 letter attached for you to read here. I do not have any card belonging to Target as a credit card. I did not apply for any credit card from Target at any time and I will not allow this scam against me to work for Target and its employees. They have already proceeded to adversely report me to the XXXX credit bureaus. You will also see attached letter dated XXXX XXXX, 2015 I wrote them to remove their adverse report against me in XXXX days or I might have no choice than to file a lawsuit against them. I have decided to lodge my complaint through you. If I could not resolve this matter via your humble office, Target will regret ever messing with me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have tried to make additional principal payments to my Bank of America home equity line of credit. The interest and a small amount of principal are deducted electronically each month from my BofA checking account. From time to time I also send in payments of additional principal. I note on the payment slip that it is an additional principal payment.     Each time, the bank applies the additional payment as the next monthly payment and does n't take the electronic payment from my checking account. I 've tried multiple times to get them not to do this. To no avail.     Each time I call the " customer service '' number on the HELOC statement, I get the credit card department and it can take  up to 30 minutes ( record is 38 minutes ) on h old before I speak to someone in the right department. In other words, there is no " customer service '' at BofA.

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 2016-05-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is reporting a XXXX card that I am an Authorized User on. This is incorrect. I do not know anyone that added me to a XXXX card. I have written Equifax several times over the past few years to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-18
Company: Torres Credit Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Torres Credit services and XXXX notifying me XXXX XXXX XXXX of a debt totaling {$58.00} although this may seem like a small sum the continued reporting is damaging my credit rating. 
I contacted the XXXX major Credit bureaus and XXXX and Torres making a point of proving to them that I was the victim of Identity Theft. It has been over 30 days and they have not provide any documentation legally linking Me XXXX XXXX to the account. Not to mention the fact that : I was residing in different city than the one provided for the origin of this account.

Company response to consumer: Closed
Consumer complaint received 2020-03-08
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I used Wells Fargo for a SBA loan in XX/XX/2018. I had two major issues that cost me {$21000.00} 1 ) Wells Fargo had many issues meeting required escrow timelines and had to extend escrow many times. We were scheduled to close for a final time on XX/XX/2018. The seller and I ( the buyer ) had signed early in the morning before XXXX XXXX. At XXXX XXXX  my commercial agent called and emailed me to let me know Wells Fargo didn't wire the funds. Unfortunately the seller had enough and wanted to cancel and keep my {$40000.00} earnest money deposit. I had to pay the seller an additional {$10000.00} to extend to the next business day. 
2 ) I signed a loan commitment letter on XX/XX/2018 that included a 2 % pre-payment penalty. I went to sell the office this year and was charged a 8 % pre-payment penalty. They changed the pre-payment penalty at the close of escrow without notifying me. We were in a mad dash rush to sign the loan docs in order to meet the XX/XX/2018 close that there wasn't time to read over the hundreds of pages. I was charged {$11000.00} over what I had agreed to. 
We are just a small family business. An SBA loan was suppose to help us but instead because of Wells Fargo, it was a expensive nightmare.

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 2022-03-16
Company: United Collection Bureau, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
UCB ( United Collections ) is stating I still owe them {$570.00} however i payed this in full and they agreed to remove it from my credit history. I have a screenshot from my bank account showing the transaction to them. It was payed on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I would Like to file a complaint on XXXX XXXX XXXX at Onemainfinancial company This person or compnay is constance harassing me. They call me as much as 5 to 10 times in one day to collect Payment that IS NOT EVEN 30 DAYS PASSED DUE I made a payment on Friday XXXX to this  company On Saturday XX/XX/XXXX there was a letter in the US MAIL from XXXX XXXX XXXX thanking me for my payment also enclosed in his letter was a message saying your payment is still past due. Just to be clear with XXXX My payments are due on the XXXX of each Month so Therefore you should have not sent out a message like that. Per the FCRA i HAVE 30 days to pay the balance before you can even think about reporting a late On my credit report. I was well In the 30 days deadline. ( I noticed in your letter dated on XX/XX/XXXX You states XX/XX/XXXX That is dead wrong per my contract my payments are due the XXXX of each Month. and I have until The XXXX Of the next before you can report any lates to either of the reporting agencies.. This company have called My Phone so many times in one day That I had to contact My phone carrier to block there Number from calling. Now I 'm getting letters each day from this company. I ask them to please stop contacting me via Phone or US mail or else I will take legal action and File a lawsuit. This is unreal Onemain will get your money stop with the Phone calls and mailing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these inquiries be completely removed and blocked from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-29
Company: Direct Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On  XXXX   XXXX ,  2017, I wa s contacted by Direct Revoevery Services which indicated I owed a debt and that they had personal information which indicated I had to pay the debt. This initial contact was via voice mail. I contacted them concerning the voicemail and spoke with an male who refused to provide me with specific information regarding the debt. He was rude and kept insisting that I had to pay the debt or else. He further indicated that he was NOT going to provide me with any written information as requested regarding the debt. He refused to answer any questions I might have only repeating that I had to pay the debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company is attempting to collect a debt from me that I do n't owe them. I never established a contract with this company and they have reported negative items onto my XXXX and XXXX credit reports which is in violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX  XXXX bankruptcy ( reference # XXXX ), has violated my rights. 15 U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.S.C Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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