BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
There is an account on my credit reports Bank of America that is outdated it is from 2012. I tried disputing it online with XXXX and after all the information it said submission failed the same with XXXX. This information is outdated and should be deleted off my credit reports.

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 2023-08-23
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are kept to be established as correct. I am in desperate need of these items to be INSPECTED and REMOVED. 

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 2023-03-05
Company: Applied Business Services, 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:
Dear Consumer Financial Protection Bureau, I am writing to dispute the debt collection efforts by Applied Business Services , Inc. for an alleged debt that I do not owe. Furthermore, I have learned that this collection agency is not licensed to operate in the state of Florida, which raises serious concerns about their compliance with state and federal laws. 



Despite my repeated requests for information and validation of the alleged debt, Applied Business Services , Inc. has failed to provide me with any evidence or documentation to support their claims. Furthermore, I have recently discovered that this collection agency does not hold a license to operate in the state of Florida, which is a violation of state law. 



I have also been contacted by XXXX XXXX XXXX XXXX, who claims that I owe a debt for services rendered. However, XXXX XXXX XXXX XXXX has been unable to provide me with any documentation or evidence to support this claim, other than a digital copy of my signature. I do not recall signing any agreement or contract with XXXX XXXX XXXX XXXX, nor do I have any record of receiving the services for which they claim I owe a debt. Furthermore, I believe that it is highly irregular and questionable that Applied Business Services , Inc. is attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX, who can not provide any documentation or evidence of the debt other than a digital copy of my signature. 



As a consumer, I have the right to request validation of any alleged debt and to receive accurate information about the party attempting to collect it. I am deeply concerned that Applied Business Services , Inc. and XXXX XXXX XXXX XXXX are engaging in questionable practices, and I believe that this raises serious questions about their business practices and their compliance with state and federal laws. 



I am requesting that the Consumer Financial Protection Bureau investigate Applied Business Services , Inc. 's debt collection practices and take appropriate action to ensure that they are operating in compliance with state and federal laws. Additionally, I request that the negative items be removed from my credit report immediately. 



Thank you for your attention to this matter. Please contact me if you require any further information or documentation. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Google Compare Credit Cards Inc.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Original complaint that Google was charging for ad placements and running ads before approval of ads across various social media platforms. These product ads were being rejected across social media platforms as incomplete, disapproved, unverified, or rejected and linked to Google Ads platform. Google ran those ads knowing and ignoring these ads were listed as incomplete. 

Google uses small business ad placements as place holders or proxy ads for big business to target ad promotion and or dominate ad placement. 

Google uses ad manipulation to favor big business while small business experience little or none in gain, profit, or return on investment. 

Google fails to secure privacy information. 

Google has caused suspension of all social media and eCommerce platforms such as XXXX, XXXX, XXXX, XXXX, XXXX, and others search engine platforms. 

Google is limiting the exposure to the business site and requesting payment method be added after offering the deception that the business site could be promoted free while limiting exposure ; ( XXXX XXXX XXXX/ ) Google uses its header tag code algorithms to track and identify placement of ads for profit. 
Google is not a search engine. 
Google is an Internet marketing service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
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:
Please account was open fraudulently without my consent. I have contacted the company numerous times to let them know. I did not authorize this account to be open under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: World Acceptance Corporation
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


I have called and spoken with customer service of WFC, and I have filed disputes with XXXX, XXXX, and XXXX with no resolution. When I asked about speaking to management, I was told they do not speak with the public. 

Both are charge-off accounts. However, one credit bureau says it's a collection account.

When I called, I was told that one CHARGE OFF account was recently sold to a collection agency called XXXX XXXX 

Incorrect and inconsistent amounts are listed on each bureau related to dates opened, Information is listed differently related to secured loans, collection, and charge off. 

The balance has been increasing, which should not be due to it being charged off. It should be continuously reporting a charge-off monthly, nor should it be accumulated interest if it has been charged off already. 

If the account has been sold, it should be deleted, as this will be double jeopardy in reporting two duplicate accounts on my report. Especially if one has been charged off and you have legally taken it as a loss with IRS. 

The consistent inaccurate reporting on my credit report over the past several years needs to be fixed by removing these WFC accounts. I have tried to rectify this over the past 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
CFPB, I am at the end of a 5 year XXXX XXXX. Payments have religiously been made by the trustee. Bridgecrest had applied multiple late fees even though I am 2 months ahead on payments. I paid the 1st 2 months of payments as it takes time for the trustee to adjust to the new lender. The trustee made the same 2 payments 90 days later and every payment since. There is also a balance showing for interest in the amount of {$130.00}. How is this possible if all payments have been made? The most recent trustee payment that should have posted on XX/XX/XXXX is missing. That payment should have been for {$320.00}. Bridgecrest did see the payment was received from the trustee. 

I am not sure why payments for the trustee are being changed around? Last month, the XX/XX/XXXX payment was changed 4 times. Management gives vague answers that dont make sense. We will look in to this. It never happens. The late fees are still on there from the last complaint I filed after they damaged my credit report. I, again, was 2 months ahead when the late marks were posted to my credit report. 

There customer service and accounting practices are pathetic. These types of issues are commonplace with Bridgecrest, but they are allowed to operate like this. It is time you take a look their business practices. 


XX/XX/XXXX XX/XX/XXXX Normal Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$320.00} Applied

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 2022-12-03
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: Personal information incorrect

Complaint:
I contacted the bureau over 8 times to correct multiple address that was found incorrect on my credit profile. The Representative did correct some addressees. The representative stated to me that the other 2 address can not be deleted. I called the creditors that I never did business before and stated them I do not know these companies.The companies are XXXX XXXX XXXX. The other business is XXXX XXXX  .Stated in 15 U.S code 1681 B, c-1, an c-2 these false info most be removed.Also the incorrect addresses are XXXX XXXX XXXX XXXX XXXX Fl XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX fl XXXX. This is my XXXX time contacting these credit bureus to fix these incorrect information.The next step will have to send a cease and desist letter.I did every stage to verify that these address were not mines and also the accounts.I am starting to getting emotional damage.I have also uploaded my identification with my correct address to this complaint/dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: TX
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. The list Of accounts below has violated my federany Protected Consumer rights to privacy and Confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX Date opened : XXXX XXXX Account mame : difice of the attorney General Account number : XXXXXXXX XXXX Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX Date opened : XXXX XXXX Account name : XXXX XXXX XXXX  Account number : XX/XX/XXXX Has Violated my rights. 15 U.S. c 1681 Section 602 A States i have the right to privacy. 15 U.S.G 1681 section 604A Section 2 : it also states a Consumer reparting agency can not furnish a account without my written instructions. 15 vis. 1681 c ( a X5 ) section States no consumer reporting agency may take any consumer sepost containing any of the following items of information any other than records of Convictions of crimes Which antedates the report by more than seven vears. 15 US. C 16815 2 ( A ) ( 1 ) A person Shall not furnish any information relating to.

a Consumer to any consumer reporting agency if the person knows or has reasonable Cause to believe that the information is inaccurate.

privacy and Confidentiality under 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My dad took out a loan on property that his house and my house are on and he quit making payments and I don't want to lose my house, he walked away from his house, I still reside in my house, The mortgage company won't talk to me because my name is not on the note. I'm trying to figure out what I can do to keep my home, I was going to refinance it all in my spouse and I name but I can't because it is in foreclosure, but if they are not going to talk to me about it how is it possible for me to keep my home. The mortgage company is RushmoreXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX my husband applied for a refinance. On XX/XX/2022 Quicken called and said that they needed my information on my bankruptcy. I am not on the mortgage nor am I on the application for the refinance. They also disclosed that they had his mortgage listed as an active bankruptcy, he hasn't declared bankruptcy. 
The last week of XXXX Quicken called to schedule the closing but then said they were checking the payoff to look for an email. 

On XX/XX/2022 a rep for Rocket/Quicken called and said they needed a release from the court in reference to my bankruptcy. I am not on the note, and I am not on the Deed of Trust. 

My husband sent them an email telling them he wasn't in bankruptcy. And that it was a violation of my privacy for them to be asking. They responded that they still wanted the information. 

My husband has a credit score of XXXX, he makes 100k a year and qualifies for the loan, I have the letter, on his own. I am not nor have I applied for a mortgage, I have never given permission to look at my credit information and they are holding my husbands refinance hostage until I comply. Which I won't, because it against federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Selene Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Property located at XXXX XXXX XXXX XXXX, XXXX PA XXXX # XXXX Selene Financial. I paid this amount for my school taxes at the time of closing with Quantic bank for the sum of {$14000.00}. I received a letter from the county for taxes delinquent and I reached out to Selene Finance as to why this amount was not paid even though I already paid this amount at my closing. Selene representative told me that it is the responsibility of Selene Financial to pay the tax. Upon reviewing my account Ive noticed that the delinquent taxes were paid from my escrow payment which includes penalty that was incurred for late payment which in turn result in my monthly payment to be increased from {$5200.00} to {$6300.00} on a monthly basis due to increase payment form escrow account. I indicated to Selene Financial representative that I am unable to pay this amount on a monthly basis with the possibility will cost me to default on my mortgage. 

I am being charged twice for the same taxes once at closing and again from my escrow which balloon my monthly payment. I honestly believe that upon the purchasing of my mortgage from XXXX XXXX it is Selene Financial responsibility to ensure that all payments are made before taking on the responsibility of owning and managing my mortgage, now Im at a disadvantage and its impossible to explain this to customer service Ive been on the phone for over two hours trying to explain this to customer service.

I spent hours on the phone with Selene representative who asked me to email copy of my closing statement which I did I never received a response from Selene financial as to the status or a confirmation of my email. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 
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 Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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