BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of America fraudulently opened accounts in my name. I call and report, they close the account but then it happens again. Ive asked to have my ssn flagged for no new accounts. It seems reasonable that a multiple fraud identity should be flagged and have additional measures before new accounts are opened.

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 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 Account # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 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 a 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 explanation
Consumer complaint received 2023-02-14
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Filing a complaint regarding Wells Fargo Home Mortgage & their inability to process our modification request on a VA loan that ultimately resulted in wrongful foreclosure action taken by WFHM back in XXXX of XXXX. I reached out to Wells Fargo recently ( XX/XX/XXXX ) after seeing the news that $ XXXX settlement had been reached for parties that had been part of wrongful foreclosure actions & failed mortgage modifications attempts by Wells Fargo from XXXX until as recently as XXXX. 

My VA loan was wrongfully foreclosed upon in XX/XX/XXXX due an error @ Wells Fargo 's hands because of mismanagement of our escrow accounts funds. Making matters worse, Wells Fargo took {$4700.00} to begin working out the modification process that was sent through XXXX XXXX per WFHM instruction. Faxed 100 's of pages of tax documents on top of sending them money but money was never applied, paperwork lost & foreclosure action was taken after all we had done @ the instruction of Wells Fargo to avoid them taking the house. 

Upon contacting Wells Fargo recently, they have NO record of our loan transaction, since it was purged from the system.. & anything after XXXX is supposedly no longer available to Wells employees XXXX 

The National Foreclosure Settlement Act found that Wells Fargo had acted negligently & foreclosed on our home of 30+ years in error. Wells Fargo mislead us into the modification process, mishandled important documents & monies we sent them to find a resolution to problem ( Which they caused ) & still 10+ years after the fact -- My VA benefits have been destroyed & a veteran, as well as their family were displaced due to WFHM missteps. 

My hope is that the CFPB will hold Wells Fargo Home Mortgage accountable for the actions they took that have caused irreparable angst, stress, loss of sleep & embarrassment due to errors on their part that caused the loss of my family home in XXXX Alaska. Their lack of record keeping & accounting is still awe shocking 10 years after the event. 

Hopefully, this time with your help, some sort of justice can be had from all the horror these folks have caused myself, my wife & family. 

Respectfully submitted, 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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$2300.00} XXXX XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, Inquired on XX/XX/XXXX ; XXXX XXXX, Inquired on XX/XX/XXXX ; XXXX XXXX, Inquired on XX/XX/XXXX XXXX XXXX, Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX Inquired XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/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 non-monetary relief
Consumer complaint received 2023-07-28
Company: Google Compare Credit Cards Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was authorized to receive several refunds from a Google Play App due to numerous fraudulent charges upon being overseas. Some of these transactions were sent to my bank account, and some were sent to my phone provider since that account was used as well for these numerous unauthorized transactions upon my being away. However, my phone provider does not accept refunds as they are not set up to do so. Therefore the status of these several transactions show they have been declined or canceled as they are currently stuck in a " limbo '' status. I have contacted Google regarding this numerous times and nothing has been resolved. I was told at one point these were already sent to me, however not all of them were and upon sending them my bank account statements to verify this, as well as my collecting all of these transaction numbers to submit to them that are showing as declined or canceled and have not been refunded, I am unable to get this situation resolved after several months of trying to do this on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
i have made an identity report with the federal trade commision in regards to inquiries that have been reporting on my credit report that are not associated with any accounts XXXX XXXX XXXX XXXXXXXX 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

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 2022-12-02
Company: Lockhart, Morris & Montgomery Inc.
State: OK
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:
In 2018, I signed a TRAP agreement with XXXX XXXX in order to get my XXXX. The agreement was that I work for them for a year and owe nothing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This happened at the XXXX XXXX in XXXX, CA in XXXX of 2018 in a public area and was in fact filmed from multiple directions with audio. I attempted to file charges but the other employee said he was trying to help me because I tripped. I didn't trip. Cameras confirmed that. I reported the incident the next day and XXXX XXXX did nothing. I quit because I did not feel safe and discovered that because I left before the agreed time that they put a NEFR on my record and have put a derogatory mark on my credit. I do not feel that it should be legal for a company to ignore blatant safety issues that are on record nor punish an employee for leaving when they feel their safety is in jeopardy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: AZ
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:
i have made an identity report with the federal trade commision in regards to inquiries that have been reporting on my credit report that are not associated with any accounts 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reached out to XXXX, Equifax, and XXXX numerous times in regards to the blatant of inaccuracies listed on my report by the following institutions XXXX XXXX XXXX XXXX and XXXX XXXX. Both of these institutions have reported on my credit report that I was late on payments : XXXX XXXX XXXX XXXX reported that I was late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, etc. Most of these instances happened during the pandemic which I requested that XXXX defer these payments while I was experiencing financial hardship as a direct result of the pandemic. In XXXX, I requested deferments timely due to experiencing financial hardship. All of these times, I reached out to XXXX and requested deferments timely and was told that these deferment requests would not cause them to report to the credit bureaus that I was late. Considering XXXX, did not follow those statements made on a recorded line, I requested all documents as it relates to those requests as required by law. XXXX never responsed to my requests or completed an investigation. All credit bureaus never responded to my requests for results of their investigation via mail. Being that they never completed a thermal investigation, XXXX, reported that I was late in XXXX up and till XXXX. When I requested for the account to be close numerous times by phone and mail. The requests was made XXXX for XXXX XXXX to close the account. I requested that a final bill/statement be sent to me so I can make prompt payment. No final bill was received to which finger hut reported me late. I have requested all the credit bureaus to investigate this dispute. They have failed to provide any results of the investigations or responses that XXXX may have made to justify them for reporting me late. None of the bureaus fulfilled their duty as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
According to the Fair Debt Collection Practices Act as amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) 15 USC 1692e 807 : - False or misleading representations ; a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt.

My mortgage servicer, Rushmore Loan Management Services LLC violated the law when in XXXX of XXXX, it issued a mortgage reinstatement quote stating the status of my loan as in active foreclosure however this was a false, deceptive, and misleading representation of the loan 's true status. 
My mortgage was never in active foreclosure. According to the state of Maryland, my state of resident where the property is located and where the mortgage loan was originated and deeded, an Order to Docket ( OTD ) is the first official filing of a foreclosure action in court. It may also be called a Complaint to Foreclose or Notice of Foreclosure Action.

Rushmore Loan Management Services LLC did not at any given time, past, present or future file any action in any court of law for a foreclosure proceeding on my property however the company issued documentation, claiming otherwise in connection with the collection of the debt.

This false and deceptive misrepresentation of the status of my loan caused undue stress, distress and XXXX  and is an aggressive and manipulative debt collection tactic that not only violates established public policy but is also unethical and unscrupulous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Rausch Sturm LLP
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Rausch Sturm LLP has garnished my check from a debt in XXXX which I was given a 1099C in which I had to file on my taxes which I sent a copy to them 3 times with the last paperwork being sent certified in XXXX. I reported this issue to them on XX/XX/XXXX they sent me a letter stating that they were going to reopen the judgement and amend to correct my name. My question then if is closed how are adding different employment for me on the judgement which had a place of employment I had never worked. They are sending my information to third parties which they did during XXXX! XXXX. My information was sent to New Jersey and I get a letter from the state that my PP loan was denied they informed I would have to get a IP PIN to file taxes for the rest of my life. Now on XX/XX/XXXX I get a letter with same case number for XXXX Bank which was on the original judgement now they change the name of the company to XXXX XXXX XXXX XXXX with the same case number XXXX. I'm a over XXXX and work a seasonal job to help with expenses. They have violated so FDCPA laws.

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 2023-08-17
Company: EQUIFAX, INC.
State: LA
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:
XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX the company I called and spoke with the XXXX and stated to him that their company ran my credit without my consent and I have plenty of inquired from their company as if I were trying to obtain credit and he stated he will not correct the issue that I need to contact the credit reporting bureaus. 

XXXX XXXX, XXXX XXXX XXXX XXXX, and on XX/XX/XXXX : I contact the companies and I let the sale managers know there are plenty of unauthorized inquiries on my credit report and the sales XXXX stated I have to call the credit reporting bureaus to have them remove the inquiries. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I contacted these XXXX companies by mail and they stated the inquiries are accurate after I stated to them they were fraudulent and unauthorized inquiries made. They replied and stated to contact credit reporting bureaus and add them to add a fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report Act XXXX Account:XXXXXXXX from 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. 

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information of the consumers. I have the right to dispute incomplete or inaccurate information on my credit report. 
This collection account reported on my credit report is inaccurate, this account is not belonged to me, I have sent several dispute letters to the creditor and your company to verify the accuracy of the information reported on my credit file and no action has been taken to solve this concern. See the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX : {$640.00}.

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$790.00} ; XXXX SELF-REPORTED XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$710.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX ( XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 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.

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