BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom it may Concern, This must be unfair, deceptive and fraudulent practices by Rushmoore Loan Management Services and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  We Received a letter from the attorneys office XXXX, XXXX and XXXX XXXX. Notice of intent to for close dated XX/XX/XXXX and sell at auction XXXX XXXX. 
We are beside ourselves with fear. PLEASE HELP US SAVE OUR HOME of 16 Years! 
In XX/XX/XXXX XXXX incorrectly denied us a covid relief for our mortgage. 
In XX/XX/XXXX XXXX incorrectly denied us for a covid forbearance AGAIN In XX/XX/XXXX We appealed the decision with a resolution. We were STILL denied assistance. 
In XX/XX/XXXX XXXX pushed us off and sold our mortgage to Rushmoore Loan Management Services. 
XXXX informed us our payments would stay the same. 
Our First Loan Payment of {$1800.00} was due in XX/XX/XXXX ( no penalty 's or late fees for 60 days. Well that never happened, completely lied to and deceived. 
We sent our first payment XX/XX/XXXX for {$2000.00} dollars ( more than the minimum ) We sent the second payment on XX/XX/XXXX for {$2100.00} dollars ( more than the minimum again ) Neither checks were applied and the checks were returned with a letter stating they want {$56000.00} dollars. 
Neither Company offered us covid help. We were both out of work for long periods of time. 
My girlfriend had to quit her job to stay home with our then XXXX old daughter to home school for XXXX straight years as our schools were closed. 
COVID destroyed our Family. WE LOST SO MANY ... AS WELL AS LOSING OUR LIVELIHOOD. 
We absolutely should have been given the opportunity to pay when we could.They were both absolutely no help at all. They always rejected a payment. 
Our XXXX percent interest and all the penalties and late fees are just over the top. 
We struggled to keep food on the table and heat in the winter. The stress was unbearable at times. 
We have gone through Mortgage company after company. 
XXXX XXXX was our first Mortgage company- XXXX XXXX was our second ( oddly never mentioned in the letter from the attorneys, we paid mortgage payments to them for years ) All the other companies are mentioned. 
- XXXX XXXX XXXX XXXX ( XXXX ) was our third - Rushmoore Loan Management Services is our fourth. 
My Girlfriend is signed to communicate with both companies and has kept every letter, and application process from both companies. 
PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022 Bank of America made a decision to close my business and my personal accounts. I opened another account elsewhere so my business could stay open, and wanted to get my funds from bank of america to my new bank. Bank of america then said that it would take 10 business days for my check to arrive in the mail with the total amount from each account that was closed. 
Its been more than 2 weeks after the checks were supposed to arrive and they dont know where the check is and it has not arrived. My check for the business account was somewhere in the range of {$22000.00}, and they said they only send tracking with amounts larger than XXXX XXXX. I asked them to cancel the checks and issue one where i could pick it up at my local branch, and they said that if they cancel the check they can only reissue the check after 120 days. 
Thats unreasonable and unsustainable for someone like me who is running a small business. Meanwhile, until my check arrives Bank of america is likely investing my money and making profits from it while delaying the return to me. How do I know that this is not being done on purpose, it feels malicious. 
I have called them at least 2-3 times per week trying to resolve this but all they say is i have to wait. That is simply unacceptable.

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 2022-08-03
Company: Experian Information Solutions Inc.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2018-05-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I received my Experian report and discovered that there's two accounts still on my report that don't relate to me and Experian has refused to assist in the removal of these accounts. ( XXXX & XXXX  ) I was a victim of identity theft. I sent in my FTC ID affidavit signed and notarized to them. I also sent to them all my identifications to identify myself including the police report case number for their own investigation which police where actually on the scene of the incident!! They have ignored the law of section 605B of the FCRA. The FCRA 605B ( c ) explicitly sets forth reasons the CRA must provide in order to deny or rescind a block of information from your credit report.

The reasons are : 1. the information was blocked in error, or the consumer requested a block in error ; 2. the information was blocked, or the block was requested by the consumer, on the basis of a material representation of fact by the consumer relevant to the request to block ; or 3. the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

They did not provide one of the statutory reasons that permit them to deny within the 4 days the law permits.

Additionally, the asserted reason of conducting a 30 day investigation is not a condition of blocking under section 605B.

The very implementation of the identity theft process was based on the intent of congress to remove any investigation by the furnisher or CRA, with blockage based only on an assertion of the consumer that is supported by a sworn police report. These two accounts need to be removed as this has caused damages to myself and family.

XXXX XXXX XXXX   SSN # XXXX DOB:XX/XX/XXXX XXXX XXXX XXXX XXXX FL, 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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-24
Company: Genesis FS Card Services, Inc.
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
I reached out to Genesis Service the card issuer for indigo bank credit card and realized I had fraud transactions on the account. I reported the fraud and the bank states I have to wait 60 days for the fraud department to investigate. The 60 days have surpassed and I call again. They now state they have to reinvestigate this fraud case and to wait another 60 days. I find that absurd!! Than the agent states that I will have to continue to make payments despite those charges not being mine. I have been paying for the last 2 months with no answers. I have spoken to a manager and they told me there is nothing they can do! How is that possible? There has to be a timely manner to investigate fraud cases. The rep couldnt even tell me what had happened with the first investigation but we just that it had to resubmitted and I have to wait 60 days. I cant imagine there is no legal timeline for fraud investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Experian Information Solutions Inc.
State: ND
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 am a victim of identity theft. My XXXX credit card account : XXXX was lost/stolen. The balance of {$2500.00} is all fraudulent and unauthorized charges/transactions. The following hard inquiry is fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XXXX/XXXX/2017.

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 2022-12-28
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a Chase Auto Loan account for a leasing vehicle. XXXX XXXX XXXX. The lease started on XXXX XXXX, XXXX. 
The payments for this auto account/ease are split in XXXX : XXXX payment comes directly from my Chase account, and the other comes from XXXX XXXX XXXXXXXX via checks. Both payments are set to be sent out before the due date on the XXXX of every month. 

On XX/XX/XXXX I received an email from Chase Auto Loan that my payment was 11 days late. ( attached ). 
On the same day, I checked the account and saw the " Your payment 's past due '' message and also a late fee charge of {$7.00}. 
I contacted them via phone and I asked in regards to the issue. 
I was informed that the company had some delays but that the account would be updated shortly and the late fees removed. 
I was also advised to send any proof that the amount of {$150.00} from XXXX was sent on time. I send a screenshot of the account showing payment sent on XX/XX/XXXX. I was advised to wait a few days to see the updates on my account. 

Since then I have been contacting Chase auto loan almost every week, sometimes twice a week because the account never updates. I was then asked to send a copy of the check sent by XXXX, which I did, showing that the check was sent on XX/XX/XXXX, and indorsed and stamped by Chase Auto on XX/XX/XXXX. 
Again I was told numerous times that after sending the check copy the account would be updated in a few days and the late fees removed. That never happened. 
On XX/XX/XXXX I had to call again because the new payment for XXXX was due and late charges fees were not removed yet. The Customer Service removed the late fees while I was on the phone and again confirmed that the missing/delayed previous payment from XXXX would be updated shortly. 
On XX/XX/XXXX I went to my local branch to ask for support and they assisted me by calling again to the same department that confirmed that the check from XXXX sent on XX/XX/XXXX was received payment recorded and balanced updated, and they could see all payments, yet my account still showed a total amount past due of {$310.00}. 

Meanwhile, I started to receive letters from Chase Auto that indicates that I am falling behind with payments. 

As of today XX/XX/XXXX, my account shows a new message for another late payment of {$150.00} and soon new late fees will apply to my account. Again this payment was also sent from XXXX on time on XX/XX/XXXX ( screenshot attached ). 
The only updates on the account are the payments coming directly from my personal Chase account of {$150.00}, but the payment from XXXX appears missing even though they are endorsed and recorded. 

Chase Auto Loan Supervisor assigned to the case : 1 ) XXXX XXXX XXXX ( that promised to call back and never did ) 2 ) Superviros agent nummber XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: FinCo Services Inc DBA Current
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My bank is withholding my money from me. I had a refund sent to me from XXXX on XX/XX/XXXX, I had XXXX different transaction sent to my bank account I got XXXX out the XXXX back. The XXXX payments I received back was for XXXX and I had another for XXXX. I reached out to them multiple times about the XXXX refund and also spoke with XXXX who informed me they already sent it out and traced it back to my banking company Current. They keep telling me wait such and such amount of days, but everytime it gets to said day it's another problem with me getting my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
see CFPB complaint XXXX The account became past due because of the handling of the termination by Nissan to get to the resolution ( to extend ). I requested that they make sure that there is no negative reflection my credit as a result. Unfortunately, the additional feedback did not resolve the credit reporting, so I filed a dispute through XXXX. 

Upon filing a dispute with Nissan to correct credit reporting they have reported me late for their mishap with handling of my lease termination. I would have never been late, if they had initially accepted to extend my lease and accept payment. As such, I request the late history deleted. My score tracker with my monitoring service is XX/XX/685, XX/XX/686, XX/XX/706, XX/XX/642 XX/XX/657 and XX/XX/629 - since XXXX that's XXXX points down which I'm sure we can attribute to this misreporting that I noted trending downward in XXXX to make the dispute. Also, the car has been turned into the dealer, but they are showing as of XX/XX/30 a balance owing. This makes me really upset that they can not get this right and I'm scheduled to lease from them again all of which this bad service and negative reporting is effective my cost of credit and use of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: MicroBilt / PRBC (formerly CL Verify)
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
This should serve as a written notice to MicroBilt / PRBC that I XXXX XXXX wish to put a security freeze on any information on my account.

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 2022-10-25
Company: EQUIFAX, INC.
State: IN
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 need to remove an account from XXXX XXXX from my account. That was my ex-wife 's account, not mine. I have submitted numerous disputes with XXXX but it never gets removed or updated, I have a letter from XXXX XXXX saying I am not on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
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:
I am a victim of identity theft please remove all the accounts that I have mentioned in the report as I have no knowledge in any of this, these do not belong to me and were never filed by me. Please help me solve this issue, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: CCF Intermediate Holdings LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I got this loan a while back and i just couldnt afford the payments with my job cutting my hours and a few months later me losing my job Ive been struggling financially

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: WELLS FARGO & COMPANY
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:
Wells Fargo is constantly trying to show they are working in good faith as it relates to our case. XXXX  XXXX continues to show up. RIDICULOUS! 

I am uploading the last communication received which was XX/XX/XXXX. My spouse returned the call from a W/F Representative named XXXX on today XX/XX/XXXX. Her VM is full. 

In the attached documents you will find a schedule of payments W/F said we made. We NEVER had an initial Loan with XXXX. This was a part of a XXXX XXXX  coordinated by XXXX XXXX closing attorney who staged a fraudulent closing. 

It appears 2 loans were taken out in our name using our info and signature pasted. It was confirmed we did not receive a initial loan in XXXX, Again, how did Wells Fargo pop up. We financed furniture through them ONLY. We know our information was used to complete applications for a Home Mortgage. I have uploaded the information. 

In addition, we received a scheduled of payments we SUPPOSELY MADE TO W/F. We never the payments in the referenced attachment. 

This information was created by the submitted Fraudulent 1098 's we submitted to my Attorney XXXX XXXX XXXX who has sold us out OR MY WIFE 'S PREVIOUS XXXX TRUSTEE XXXX XXXX WHO STOLED ALL OF OUR ASSETS..HE DID NOT INVESTIGATE THE FRAUD, It appeared he sent the 1098 's to W/F and they created the Fraud Ledger. WE NEVER HAD A MORTGAGE WITH WELLS FARGO. WE NEVER HAD A MORTGAGE WITH ANY BANK. OUR MONEY., ID AND MORE WERE STOLEN! 

We know there are four additional persons of interest, We will not list the names for now.

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 2022-08-24
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 Reporting act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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