BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-10
Company: WELLS FARGO & COMPANY
State: IN
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:
XX/XX/2020 XX/XX/2020 I have tried informing the companies and credit bureaus of the account inaccuracies of them not being my responsibility and not my account, and have had to deal with harassing phone calls all day long and my wife has been too. Along with threatening voicemails of going to jail if not paid immediately. I believe they have not done the due diligence during investigation to delete these accounts off my credit report to reflect that. I have brought this to their attention numerous times within the past 6 months and it has caused my score to go from XXXX in the last 10 months

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 2021-09-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
About i went thru a brooker to get a V.A.loan and was placed with XXXX XXXX to start my payment was XXXX at 4.8 percent intrest rate, in about a year my payment up to XXXX the intereast stayed the same.now the whole time i was never late with my house payment. I called XXXX asking the about refinanceing to get my payments lower because i ; m a XXXX XXXX on XXXX percent disable with XXXX XXXX XXXX XXXX on a budget and would like to get my payment down they were not interested. I got hold of vennsa from American and they were happy to refinancs=e me to get mymeric payments lower. after getting the paper work done with A merican XXXX said the only thing left was to get the buyout from Rushmore/ Well thats when the problems started, i contacted Rushmore on the XXXX XXXX after waiting two weeks and hearing nothing from rushmore. XXXX and her boss XXXX ask me if i mind them getting hold of Rushmore. aftrer two weeks Rushmore came out saying i owed back payments fromR XXXX which i had to go to my bank to show that was a lie. after that they came up why they would not give American the buyout ; Finally after going back and forth on XXXX XXXX they recived the buyout from Rushmorealmost 3 months. Iin the mean time Rushmore went tto XXXX the credit reporting company saying i was 3 months behind on my mortage and my credit score went from almost XXXX XXXX to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Checking on my credit report and noticed this account is open that should have been closed.

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 2021-09-06
Company: EQUIFAX, INC.
State: IL
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:
I mailed Credit Bureaus a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from them firm stating the ID I submitted was insufficient to verify my address and identity. 
The identification I submitted is sufficient according to their guidelines and I demand that they examine the enclosed documents more carefully this time. I have also included my original letter for your convenience in this envelope. 
The disputed items must be investigated. 

1. The following accounts has wrong balance : XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers :  XXXX XXXX  {$560.00} XXXX XXXX XXXX {$430.00} XXXXXXXX XXXX XXXX {$890.00} Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Transunion Fraud Victim Assistance Department XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers :  XXXX XXXX {$560.00} XXXXXXXX XXXX XXXX {$430.00} XXXXXXXX XXXX XXXX  {$890.00} Inquiries : XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers :  XXXX XXXX {$560.00} XXXXXXXX XXXX XXXX {$430.00} XXXXXXXX XXXX XXXX {$890.00} Inquiries : XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX   XX/XX/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 explanation
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I completed an application for XXXX loan in XXXX XXXX. XXXX offers loans to federal/government employees to assist when needed. Loan # XXXX, was scheduled with the payroll allotment of $ XXXXbiweekly automatically deducted from my check starting XX/XX/XXXX. The agent listed on my application at the time is XXXX XXXX. 

I have worked with my employer since XXXX, however didnt become perm until XX/XX/XXXX during a shutdown. Per my loan app, loan amount : {$3500.00}, w/ 67 pymnts including finance charges total {$5200.00}. 

I like XXXX overall, the customer service is attentive, my account information looks accurate whenever I log into their website. However, when Im checking XXXX, XXXX or XXXX the information doesnt match. They have different information reported. While my balance is being reported that its only decreasing {$20.00} sporatically. 

In the attachment, I am eligible for refinance. I have paid the majority of the loan back already, therefore I do not owe a balance of anywhere near {$3000.00}. I have missed pymnts due to shutdowns & layoffs. Still the information is not correct. 

Transunion : Reported amt {$3300.00} w/ a balance of {$3500.00}, Monthly pymnt : {$150.00}, Opened : XXXX, Term : 67 monthXXXX XXXX : Reported amt {$3400.00} w/a balance of {$3500.00}, Monthly pymnt : {$150.00}, Opened : XXXX, Term : 67 months XXXX : Reported amt NONE LISTEDw/ a balance of {$3000.00}, Monthly pymnt : NONE LISTED, Opened : XXXX, Term : 54 months

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 2018-10-08
Company: Collection Consultants of California
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hello, Collection Consultants shows up on my XXXX report twice as a debt. 
On XX/XX/2013, it shows up as {$280.00}. And on XX/XX/2013 for {$680.00}. In california, the statute of limitations is 4 years, but these collections keep showing up on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: U.S. BANCORP
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2018 I received a phone call from " The XXXX XXXX '' in Nevada stating that I was going to be taken to court if I did not pay {$960.00} for a US Bank debt from XX/XX/XXXX that then went into default in XX/XX/XXXX. I have no idea what this is from. Regardless, I asked repeatedly on the phone for them to email me this information or to send it to my current address ( which they did not have ) via US mail. They refused and stated that I had 5 days to pay this or it would go into a XXXX XXXX and then I would owe {$1600.00} and then if I didn't pay that I would owe over {$3000.00} because it would then go to court. 

They stated twice that they tried to summon me at an address that I had had mail delivered to ( a friend lived there ) when I was younger and traveling. I have not had anything to do with that address for 15 years. 

If I owe the money, I will pay it. However, I want to see it in writing so that I can verify it. This XXXX XXXX refused to send me anything in writing.

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 2021-02-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I completed an application for XXXX loan in XXXX XXXX. XXXX offers loans to federal/government employees to assist when needed. Loan # XXXX, was scheduled with the payroll allotment of $ XXXXbiweekly automatically deducted from my check starting XX/XX/XXXX. The agent listed on my application at the time is XXXX XXXX. 

I have worked with my employer since XXXX, however didnt become perm until XX/XX/XXXX during a shutdown. Per my loan app, loan amount : {$3500.00}, w/ XXXX pymnts including finance charges total {$5200.00}. 

I like XXXX overall, the customer service is attentive, my account information looks accurate whenever I log into their website. However, when Im checking Experian, XXXX  or XXXX  the information doesnt match. They have different information reported. While my balance is being reported that its only decreasing {$20.00} sporatically. 

In the attachment, I am eligible for refinance. I have paid the majority of the loan back already, therefore I do not owe a balance of anywhere near {$3000.00}. I have missed pymnts due to shutdowns & layoffs. Still the information is not correct. 

XXXX : Reported amt {$3300.00} w/ a balance of {$3500.00}, Monthly pymnt : {$150.00}, Opened : XXXX, Term : 67 months XXXX : Reported amt {$3400.00} w/a balance of {$3500.00}, Monthly pymnt : {$150.00}, Opened : XXXX, Term : 67 months Experian : Reported amt NONE LISTEDw/ a balance of {$3000.00}, Monthly pymnt : NONE LISTED, Opened : XXXX, Term : 54 months

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 2018-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Bank of American Credit Card Number : ending XXXX I would like to dispute multiple XXXX advertisement charges that I made for advertising for XXXX, a company that got shut down by Federal Trade Commission for being a scam and fraudulent company. 

DISPUTE for total of {$13000.00}, fraudulent advertising for XXXX on XXXX XX/XX/2018 {$25.00} XX/XX/2018 {$50.00} XX/XX/2018 {$250.00} XX/XX/2018 {$500.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$280.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/18 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$1.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$100.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} Total of 23 transaction in amount of {$13000.00} MOBE was a business education platform. It got shut down by the Federal Trade Commission ( FTC ) for being a scam and fraudulent on XX/XX/2018. XXXX was permanently shut down by the receiver on XX/XX/2018. 

I was first introduced to XXXX  through XXXX ads in XX/XX/2018, I believed in the possibilities that was promised in the ad, and I believed in XXXX for endorsing the ad on its social media website. Soon I signed up with XXXX on XX/XX/2018. As soon as I sign up with XXXX, I started to introduce XXXX to the vast consumers using the advertisement function on XXXX just like the way I was introduced to XXXX. In short three months that I joined XXXX, it got shut down by FTC. I was one of the person who helped to spread it using XXXX advertisement function, and I was also a victim too. I was shocked with the power of social media that can helped to spread the scam contents virally. 

I am not sure if XXXX knew that there are people posting ads from questionable company to scam vast consumers utilizing their platform. XXXX advertising escalates and helped to spread and promote the scam exponentially. XXXX is a large social media who can not only focus on making money, XXXX had failed to safeguard this situation and allows people to post scam contents on their platform. 

I called Bank of America dispute department numerous times, I went to the branch to speak to the branch manager, I fax in related supporting documents, and I just can not get any response back from Bank of America for this dispute. Please help me, I dont know where else to go to. Thank you.

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 monetary relief
Consumer complaint received 2020-12-10
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020, Cash App transferred funds that I never approved. These messages were taken from their app : Cash App : XXXX XXXX requested {$350.00}. Open Cash App to approve or decline Cash App : Please verify your identify by visiting Cash Support using your Cash App Cash App : For your protection, your {$350.00} payment to XXXX XXXX was refunded. {$350.00} has been returned to your bank account and will be available Thursday. 
Cash App : For your protection, your {$350.00} payment to XXXX XXXX was refunded. {$350.00} has been returned to your bank account and will be available Thursday. 
Cash App : XXXX XXXX requested {$350.00}. Open Cash App to approve or decline Cash App : XXXX XXXX just accepted the {$350.00} payment you sent today I never verified my identity with Cash App. And I did not approve either request for {$350.00}. Beyond that, XXXX XXXX is not a real person, that is an alias for a person running a scam to sell puppies. So, XXXX XXXX should not have been able to validate in their system. Unless Cash App has people within their company aiding and abetting illicit activities. Cash App provided documentation to my debit card company that the transfer of cash was from me to me. That literally makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: EQUIFAX, INC.
State: GA
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 submitted an online dispute in regard to several accounts on my credit report that do not belong to me. Unbeknown to me my Foster Mother added me to several accounts which I had no access to, nor was I an authorized user for these accounts. I was denied credit and a residential unit because it stated I had credit cards with high balances an my debit to income ratio was high. I received the credit reports and saw the accounts listed. After doing my due diligence I was successfully removed off each account. I disputed the items and XXXX  and XXXX  both removed the said accounts from my report because I am not a authorized user nor are the accounts listed under my name anymore. 

Equifax on the other hand has been difficult. I received an email from Equifax an " dispute completed notification ''. When I tired to access the file online, it wont show me the resolution. So today XX/XX/17 I called Equifax at XXXX. The Representative did not give me his name or Operator ID. I explained my situation and he stated to me that I 'm suppose to call the Credit Card company and make them send a statement to Equifax. I tired to explain to him that I do n't have access to the accounts so I can not get a statement. The representative was rather nasty and said " do n't talk over me or Ill hang up on you ''. I said " excuse me ''? I said Sir please do n't be disrespectful I am simply trying o explain my side of the situation. He stated I do n't have time for this have a good day and disconnected the call. I think its rather absurd that I have to go through great lengths to get assistance. And If I speak up for myself as a Customer, I am belittled or scared tactics are used against me. How is it that 2 credit bureaus could easily delete the information from doing their own investigation while Equifax is requiring me to go and get information for them to prove I do n't own the account? I was n't the one who reported the incorrect information so why am I required to get reports and letters? No other bureau asked me for that. The sheer fact I was threatened and hung up on because I spoke my truth is a sign that there is something grossly wrong with this company. I feel it is unfair business practices and should be looked into further.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Im filing a complaint against XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for violations to the Automatic Stay and Bankruptcy Law. Section 362 of the Bankruptcy Code. The Stay. 11 U.S.C. Section 362. Im currently in an active Bankruptcy Case # XXXX and XXXX refuses to remove pending sale date for XXXX XXXX, 2017. As a result of this abuse Im concerned that this pending action will cause me financial and emotional distress and hardship. Due to the constant threats of foreclosure against my property for an illegitimate loan which XXXX and XXXX XXXX XXXX, purport that is owed, I have also been forced to file a federal lawsuit in the XXXX District of California Case # XXXX XXXX - XXXX XXXX ( XXXX ) for fraud and misrepresentation in order to defend my interests in the home. 

Creditors face liability for damages to debtors for automatic stay violations. I m seeking actual damages, punitive damages, attorney 's fees and costs for this creditor willfully violating the automatic stay. I have provided proof of this action in writing of this collusion between XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX and their actions to be willful. 

Furthermore, XXXX XXXX XXXX is not licensed to conduct business in the state of California. This is a violation to the California department of business and secretary of states offices as well as local and federal rules which apply. 
XXXX, XXXX & XXXX, have also failed to respond to my qualified written request and has not validated the alleged debt per Real Estate Settlement Procedures Act RESPA and also has violated the rules surrounding the Fair Debt Collection Practices Act FDCPA. 
See Exhibit A Proof of my bankruptcy filing and proof of pending sale date notice XX-XX-17.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Dovenmuehle Mortgage, Inc.
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The loan servicer failed to make the escrow disbursements for property taxes due to the town that we live in. The taxes are now XXXX months delinquent. On XX/XX/XXXX, I received a letter from the town that our taxes were delinquent and I called the lender, XXXX XXXX XXXX, who referred me to our loan servicer, Dovenmuehle. On XX/XX/XXXX, I sent Dovenmuehle a copy of our delinquent tax notification to XXXX and received email confirmation that it was received. As of XX/XX/XXXX, the tax bill has still not been paid, remains delinquent, and is continuing to incur late fees. 
I have repeatedly called both XXXX XXXX XXXX and Dovenmuehle requesting the payments be made and have received conflicting and confusing information with arbitrary future dates and time windows that certain departments give themselves to resolve the matter. So far, I have spend more than XXXX cumulative hours trying to resolve this issue. After my most recent call with Dovenmuehle, I was told that their tax department was very busy and does not take phone calls, but that a case was open and they would look into my issue by XX/XX/XXXX. This is unacceptable, as my taxes need to be paid. Further, the representatives at Dovenmuehle could not provide any explanation as to why my initial request on XX/XX/XXXX to pay the property tax was not fulfilled. It is unacceptable for my taxes to be late, period. But for the resolution to take this long is utterly inadequate and inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Sequium Asset Solutions, LLC
State: MN
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:
I was notified of the debt of a substantially old account related to Television Service. I disputed the account directly with the agency within 30 days of the original notice of the debt with the agency. I requested verification and validation as required under the FDCPA. The company failed to respond to the request or validate the debt as required and requested. The debt has been reported to the credit bureau and has not been reported or or acknowledged as in dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation