BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-25
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I liked very competitive rate published by New American Funding on XXXX for an investment property I was buying in XXXX : Rate : 6.875 % with {$1600.00} in points and fees ) I called them right away on XX/XX/20 and got in touch with XXXX XXXX : Loan Consultant XXXX # XXXX XXXX C : ( XXXX ) XXXX O : ( XXXX ) XXXX F : ( XXXX ) XXXX XXXX had me apply online, ran credit check and said the loan rate will be approved by his manager. I filed application and uploaded all the required documents including sensitive information like my tax return, W2 etc. 

The rate still did not get approved in the system and I did not get any email. but XXXX told me next day that everything is good and rate was approved again. 

I had a 10 day contingency removal for appraisal. I called XXXX several times and texted multiple times. But he kept insisting that loan will be approved tomorrow morning and I was losing time on my deadline. 

Finally, on Friday, XXXX told me that loan is approved only with {$6300.00} in lender fees. This is way above {$1600.00} they committed earlier. 

I was running out of time and had no choice but to accept the rate which is what this company wanted to begin with. Fortunately, I was able to get lower cost from another company who honored the rates and fees listed on XXXX site. However, my rate was 7.125 % compared to 6.,875 %. 

I am still behind on my deadline and may end up losing this contract and my {$10000.00} XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am in the process of Refiancing, Mortgage is with Chase bank Refiancing with XXXX XXXX I have been asking Chase for Pay off figure for 8 days and they still have not given to me I missed closing date and now I might lose my rate. I have called them 6 times I have emailed them 8 times Please help me. Regards XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: The Receivable Management Services LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am lodging a formal complaint against receivables management. This debt collector has reported derogatory information on my credit reports for a debt that I have no knowledge of having I have sent this company numerous letters with request for debt validation, not verification but they continue to ignore my request. They have also violated the fcra by not sending me a dunning notice in the mail. The debt is for {$320.00} and this has been going on since XX/XX/2018. I am in the process of purchasing my very first home and this errounous account is holding my family and I back. I am requesting immediate deletion of this account from my reports so I can move forward in life and provide a home for my kids. Thank you for your time.

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 2023-06-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I leased a 2021 XXXX XXXX from XXXX XXXX in XXXX, IL XXXX of 2021. XXXX XXXX approved the loan. The finance manager stated I had an option to lease or finance, but both options were for the same monthly dollar amount which was {$990.00}. After my down payment of {$7000.00}. I thought when you lease the monthly payment is less vs. financing but XXXX ( the finance manager ) told me that wasn't true. I took out a 48 month lease which would bring the total payments to {$54000.00} ( according to the paperwork from the dealership ). Furthermore, if I chose to purchase the vehicle when the lease is over I'll owe {$21000.00}. So I would be paying a total of {$68000.00} for a {$46000.00} vehicle. Also, the loan is in my name as well as my company 's name. I want to file a complaint for predatory lending against XXXX XXXX as well as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax has denied me my right to have a debt verified in accordance with the Fair Credit Reporting Act Section 609. XXXXXXXX XXXX nor Equifax has not provided sufficient evidence to prove that I actually owe this debt. This is now my third attempt to have this company validate this debt. I need to see the paperwork/contracts you have from this debt. Present the terms and conditions that gives the interest rate. I am requesting all documents in whole, pertaining to this alleged contract/assignment of debt from all transactions up until this point. It has been over 30 days and XXXX XXXX NOR EQUIFAX has verified this debt as requested since XX/XX/2023. They keep updating the debt as valid although it has been deleted from my XXXX  credit report. This is a violation of my consumer rights and my next step will be a LAWSUIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: United Collection Bureau, Inc.
State: OH
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 am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite numerous efforts to rectify the existence of fraudulent, erroneous, and deceptive data on my consumer report, the matter remains unresolved. The presence of these entries has greatly affected my life, leading to considerable stress and XXXX I neither approved nor agreed to link this information to my identity, as I have been a victim of identity theft.

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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and XXXX have got into the hands of the wrong person.

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 2021-12-30
Company: GLOBAL SOLUTION BIZ LLC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received numerous call from this company/number about a relatives debt. My name is not on the debt nor do I have anything to do with it. 

I have records and pictures of calls as well as threatening voice mail messages on : XXXX XXXX XXXX EST XXXX XXXXXXXX XXXX EST XX/XX/30 XXXX XXXX EST XX/XX/30 XXXX XXXX EST I spoke with them on numerous occasions and they said they would remove my name from their call list and they have not. They are now threatening me to get an attorney, calling my relatives about this debt, which again it is not my debt, it is my brothers debt and I have no contact with him. 

I want it to stop and they are not stopping and they are now threatening me for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It does not belong to me. It is fraud! This is causing me a lot of stress and 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 2023-09-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 am submitting a follow up complaint through CFPB to the Experian credit bureau that has yet to remove this one remaining inquiry from my credit file, and the XXXX needed to remove these SIX remaining inquiries as the bureau only removed one. I am kindly asking the CFPB to please make sure that the Experian and XXXX Credit Bureaus to remove these remaining fraudulent inquiries from my credit file : EXPERIAN : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-01-06
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I am currently in escrow on a property and am working with The Money Source to assume an existing loan. This assumption was offered by the seller as he was made aware by The Money Source that his loan was assumable. Both the seller and myself have been in contact with The Money Source for months, constantly asking to status updates and is we could provide any information to expedite the process. I just received on XX/XX/XXXX the disclosures regarding the loan in which I am about to assume. I signed and sent back the loan disclosures on XX/XX/XXXX. This morning XX/XX/XXXX I received an email from the money source stating that they are no longer offering loan assumptions. I understand if the company will no longer offer loan assumptions but canceling the process of my loan assumption after being led to believe for months that we were in process is a violation of some sort. I would puld like to continue with the assumption of this loan and feel like this company should finish the assumption as we have been led to believe that it was in process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: NJ
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 federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: CT
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, # XXXX and # XXXX has violated my rights. 

15U>S>C 1681 section 602 A. States i have a right to privacy 15U.S.C. 1681 Section 604 A section@. . It is also states a consumer reporting agency can not furnish a account without my written instruction

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly remove this to my credit report. This is causing me a lot of stress and 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 2019-03-26
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I was supposed to come in and make my payment on XX/XX/XXXX. I did forget to make the payment. Tower loan proceeded to pull a skip tracing report on me and contacted my biological mother whom I have not spoken to in 30 plus years ( she abandoned me when I was XXXX ) This was followed up by the biological mother locating me and contacting me via XXXX. The distress this caused me was uncalled for, the company did not contact my cell phone only my work phone ( I was gone for the day ). I called the company and spoke with XXXX. XXXX admitted she did make the call. I asked why did she not call my cell phone ( no missed calls or voice messages ) She did not have an answer to this but only stated " She was doing her job ''

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 2023-09-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted Experian numerous times about me not having a bankruptcy or bankruptcies on my credit report. Experian continue sending me information that it has been verified and they are not physically verifying the situation, they are using XXXX and its given them the wrong information, because there are other people out there with the same name as mines, this is not my first time dealing with this situation. I have enclosed copies of money orders that I purchase every month to pay XXXX XXXX  company each month. This is my second time sending the same information, it came back the first time verified. How it come back verified, when I have provided copies of money orders that you can trace. I would be paying bankruptcy if it was in bankruptcy? I understand that under 15 USC section 16811A you must complete this reinvestigation and found the following items to be in error by the provisions of the Fair Credit Reporting Act. I demand this item to be investigated and corrected on my credit report. Looking over my entire credit report with Experian is inaccurate.

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 2023-06-12
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
We went into forbearance with covid relief in XXXX due to loss of income due to the pandemic. We work with XXXX XXXX XXXX in the home and were unable to have steady income due to the pandemic. We have 7 children and this was a lifeline during a very difficult time. Since coming out of forbearance we have attempted to modify the loan multiple times, each time being denied with no reason. 
We started applying in XXXX of XXXX. We have attempted multiple times since that time. We have also been receiving calls saying our home is on the market for foreclosure but have never received a notice of sale or sale date or any other type of information from Mr. Cooper or any other company. We also can not make any payments with Mr. Cooper unless we pay the full amount due from the forbearance. They have not been clear on any ways to avoid foreclosure, other than modification, however they continue to deny the modification with no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Navy Federal Credit Union claims because of credit card debt that they have my authorization in purpetuity to complete automatic withdrawals from my checking bank account ( Member ID XXXX ) I notified the creditor in about 2019 that I no longer authorize withdrawals from my bank account especially since funds were for mortgage and auto loan payments. NFCU keeps withdrawing funds from my account ( hundreds per transaction ) AFTER I told them that they no longer have my permission to make withdrawals.. Unauthorized funds withdrawals by a debt collector is a blatant violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and or the Electronic Funds Transfer Act ( EFTA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: American Credit Acceptance, LLC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Did not receive a 30 day notice to dispute this claim

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Citi Bank received and approved a fraudulent credit card application from someone using my identification information. It resulted in a new account being opened. I called Citi and reported the fraud. Citi cancelled the card and opened an investigation.

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 2023-02-23
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I entered a dealership in search of a car. I started the loan application after choosing a vehicle by providing the general information needed to buy a car. Without my permission, my credit was checked during the procedure, and as a result, an inquiry was recorded on my report. The fact that there was no requirement for a down payment on the automobile confused me as well. Yet when the deal was done, I understood that because I hadn't made a down payment, my interest rate would be greater than that of other auto buyers in my neighborhood. My credit history and report, nevertheless, would contend that my interest rate ought to be lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: KS
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation