BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am not asking your credit reporting agency to validate or verify any information from XXXX XXXX. I have already sent a notice of Validation according to 1006.34, XXXX XXXX has already sent me letters and statements from the original creditors they have bought the debt from. I am simply advising you that due to XXXX XXXX not being a creditor, they did not validate any debt according to 1006.34 ( b ) ( 2 ) ( iii ) 1. Last statement date. Under 1006.34 ( b ) ( 3 ) ( i ), the last statement date is the date of the last periodic statement or written account statement, or invoice provided to the consumer by a creditor. For purposes of 1006.34 ( b ) ( 3 ) ( i ), the last statement may be provided by a creditor or a third party acting on the creditors behalf, including a creditors service provider. 
However, a statement or invoice provided by a debt collector is not a last statement for purposes 1006.34 ( b ) ( 3 ) ( i ), unless the debt collector is also a creditor. 
According to CFPB 1006.2 Definitions. 
( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. 
I have already sent your agencies multiple documents and evidence showing proof that XXXX XXXX has not validated any of the debt according to 1006.34 b 3 i. Please follow the regulations that have been put in place for you to follow or I will have to seek remedy and file a lawsuit. 
Please look at the past complaints and documents I have already sent, do not request for XXXX to verify. THIS DEMAND IS STRICTLY FOR THE CREDIT REPORTING AGENCIES ONLY TO FOLLOW.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Despite my persistent efforts, this agency has failed to properly investigate and correct this error. The inaccurate information has had a significant adverse impact on my creditworthiness, leading to negative consequences, such as being denied credit, facing higher interest rates, and unable to secure housing due to this negligence. This matter has been brought to this company 's attention over the past several months. I have sent in over XXXX different letters starting from XX/XX/XXXX up until the present day making this company aware of this inaccurate reporting. I read somewhere that I am entitled to a fair and accurate credit report. Now, I am no lawyer but I have done a little research, and it appears that based on the Fair and Accurate Transactions Act that violations are done when organizations fail to comply with its requirements. In fact, based on what I read, section XXXX explains that violations tend to occur after a consumer bring the inaccuracy to the agency, such as XXXX, XXXX, and Transunion attention but they fail to correct the inaccuracies after receiving a dispute from the actual consumer. Well, this matter has been brought to Transunion attention on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and just recently XX/XX/XXXX Now, once again, I am definitely no lawyer, but I do have common sense. I have sent this agency letter after letter making them aware of this inaccurate reporting. None of the bureaus have the same information. So, how can information be accurate if the same account that is being reported is being reported with different information. Once bureau is reporting an open account while the other is reporting a close account. One bureau is reporting a 120 days late while the other bureau is reporting a collection/charge off for the same account. Does this sound like accurate reporting to you? I am requesting that the following accounts are deleted immediately due to inaccurate reporting and due to the violations that the credit bureaus has participated in by neglecting to correct the information. 

XXXX XXXX XXXX XXXX OF 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
Consumer complaint received 2023-05-11
Company: SLM CORPORATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
TLDR : Sallie Mae advertises thier CD 's as having an automatic renewal option, when they in fact do not, automatic renewal is mandatory. 

Sallie Mae 's CD website has a MASSIVE checkmark advertising an " Automatic Renewal OPTION '', and above it states " When the set time period is over, you can automatically renew for another term or choose to withdraw your money. '' This heavily implies that you have the option ( defined as 'a thing that is or may be chosen. ' by XXXX ) to not choose automatic renewal, when this is not the case. The FAQ is vague and tiptoes around this as well. I called to fix an issue setting up my account and asked them to clarify about the auto renewal option. I was told by the nice representative that auto renewal is NOT an option, and he even admitted that the wording is poor. He even went as far as to say that it was outright wrong. Upon checking the terms and other sources, automatic renewal is mandatory. This is plain false advertising and needs to be stopped. People who are new to finance ( like me ) are being lied to, it's disappointing as that was one of the main perks that drew me too them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. Let me be unequivocally clear : I WILL NOT TOLERATE THE APATHY AND INDIFFERENCE I HAVE ENCOUNTERED THUS FAR. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have marred my credit profile and compromised my financial stability. The consequences have been dire, affecting my ability to secure loans, mortgages, and even employment opportunities. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts ASAP.

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 2022-09-19
Company: MIDFIRST BANK
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
My name is XXXX and I am a XXXX by trade. My husband, XXXX, is active-duty XXXX and we are stationed at XXXX XXXX XXXX. We were promised a VA partial claim by our lender and they have denied us a partial claim and our attempting to modify our loan. WE NEED A PARTIAL CLAIM, PLEASE HELP. 
In XX/XX/2021, XXXX and I requested a Covid-19 forbearance from our lender because my employment was terminated due to lack of stability during the pandemic. When I contacted the lender they informed me that I would have three options at the end of forbearance if I was able to resume my monthly payments : 1 ) pay all at once, 2 ) make partial payments that are added to my payments for a set amount of months, or 3 ) file a partial claim with the VA where the VA assumes the missed payments and it is paid when the loan matures or the property is sold. 
We selected option 3 and were told that the VA would NOT modify our loan and we would not be forced to pay the money all at once. I made contact with the lender several times throughout the year and they maintained that there was partial claims being submitted. I was informed the week of XXXX by Midland staff that partial claim was still available and would be fine. 
After the forbearance started I took a job with a $ XXXX a year decrease. We have exhausted all our resources to get back into a good place and for me to start a new position that pays more than when I lost my job in XXXX. We are fully ready to resume our previous payment. 
I contacted Midland Mortgage in XXXX to inform them that we would be ready to make our payment in XXXX. Midland informed us that the VA gave us two options now : make $ XXXX payments to catch up ; or, have the VA pay the amount due and Midland would modify our loan and increase the interest rate to market value. THIS IS NOT HELP. THIS WOULD PUT US ON THE STREETS. 
We were told by the VA and the lender that our loan would not be modified and the amount would be covered by the VA until the maturity of the loan without penalty. Our current interest rate is XXXX and market rate is about XXXX, this increase would force us out of our home and likely bankrupt us. 
Please help us get what we were promised, a VA partial claim added to the loan without modification. My husband works every day serving this country and this is not the way that soldiers should be treated. Please 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 2022-06-24
Company: Experian Information Solutions 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:
Experian is in violation pursuant to 1681c-2. On XX/XX/2022 I sent Experian a copy of my FTC report, a letter with all fraudulent items listed, a copy of my ID, and a copy of my statement. It has been over 4 business days since Experian has received my documents. I have not received any response and the items still remain. It has been over 30 days. I have attached the following items in this Complaint. Please view attachments.

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 2023-12-01
Company: BMW Financial Services NA, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I called a couple of weeks after paying off the loan in XXXX and was told the title was in the mail and should have received it about ten days ago. Today I was told to call Massachusetts, no number, call MA DMV to get the title. I am not in MA and when I called the DMV I got the run-around. I took the loan out with BMV not the state of MA. The burden is on BMW to ensure I receive the title and their customer service was not helpful. I paid off the loan and have yet to receive the title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXXXXXX XXXX, XX/XX/2023, XX/XX/2023, XXXX IS REPORTING LATE PAYMENTS ON MY REPORTS AND THAT ABSOULTELY INCORRECT ... XXXX  IS SET UP WITH AUTOMATICALLY DRAFT AND I HAVE MY BANK STATEMENTS TO PROVE I WAS NEVER LATE THIS ON THIS ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: PA
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to bring a serious issue to your attention concerning my consumer credit report. I recently obtained a copy of my credit report and discovered an unauthorized account listed under the name " XXXX XXXX '' with Account Number ending in XXXX, a Reported Date Opened as XX/XX/2019, and a Reported Balance of {$290.00}. I have no knowledge of this account, and I did not authorize anyone to open it in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following itemsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-07-28
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Sometie in XXXX I contacted Chase Bank customer service and asked to close my account and have my funds sent to me because I now live in XXXX and have abandoned plans of coming back to work in the U.S. 

They asked me to send them a secured message thru the banking app requesting for the same. I sent them a secure message and on XX/XX/2022 I received a reply stating that they couldn't close my account at the moment as the balance exceeded XXXX and they gave me 2 options. The first one was to transfer or withdraw funds from the account to bring the balance down then resubmit the request. The second option they gave me was if the balance was below XXXX ( which it was ) to send them a written request to close the account and include the following information : my full name, my full account number, my social security number, my current phone numbers, the address where I want the money sent and how I want to receive the money ( check or account transfer to another chase account ), my signature and date and it should be notarized. 

I have notarized a letter with all the information required and I sent it to them to the address that they wanted me to send it to ( National Accounts Closing in Texas ). 

I sent it on the XXXX of XXXX thru XXXX. According to the XXXX XXXX, they received it on the XXXX of XXXX and an XXXX XXXX signed for it. 

I waited for three weeks and I didn't get a reply, so I called customer service yesterday XX/XX/XXXX and asked about it. I was passed on to different individuals with each forwarding I had to explain everything from the beginning. Nobody could tell me what I needed to do aside from what I had already done. The last person that I talked to yesterday told me to set an appointment with a local branch personnel by phone. I set an appointment and a XXXX XXXX from XXXX XXXX Arizona branch talked to me and his advise was to send him the same papers I have already sent and he was saying he would forward the letter to the same department that I sent it to. I asked for a number for the National Closing Accounts department where my letter was received and he said he did not have a number for them. 

I didn't not resend my letter as I believe it will be a waste of my time and money as I fear I will encounter the same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

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 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 following accounts/account numbers have violated my rights : 1. XXXX XXXX XXXX XXXX Account # : XXXX 2. XXXX XXXX XXXX XXXX Account # : XXXX 3. DEPT OF EDXXXX Account # : XXXX 4. XXXX XXXX XXXX XXXX Account # : XXXX 5. XXXX XXXX XXXX XXXX Account # XXXX 6. XXXX XXXX XXXX Account # : XXXX 7. XXXX XXXX XXXX XXXX  XXXX Account/Reference # : XXXX 8. US BKPT CT XXXX  XXXX Account/Reference # : XXXX 9. US DIST CT Account/Reference # : XXXX 10. US DIST CT Account/Reference # : XXXX 11. DPT EDXXXX Account # : XXXX 12. DPT EDXXXX Account # : 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 non-monetary relief
Consumer complaint received 2020-04-16
Company: United Shore Financial Services, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hi, Ive been working for months with XXXX XXXX XXXX XXXX| Owner XXXX # XXXX Individual XXXX # XXXX Call or text -- Office : ( XXXX ) XXXX Cell : ( XXXX ) XXXX XXXX on a new conventional home loan refi. He is a loan broker and my complaint is not with him. My complaint is with the underwriter, United Wholesale Mortgage ( UWM ). 

I timed the lock perfectly at the low and got a quote for a 15 year, $ XXXX loan@ 2.625 % with $ XXXX in loan fees. Our loan number with them is XXXX. 

My wife and I have spent very many hours of precious time providing UWM with enormous volumes of information that proved we met all their qualification rules. All the while during this process, interests rates have been creeping back up and now they have changed the rules to say we no longer qualify, when in fact they refuse to honor the lock because rates are higher now. 

They are concerned about the short-term contracts that are typical with software programming contractors like me. Their rule stated that you still qualify despite the intermittent work schedule if you are unemployed for less than 6 months and your income during the months you were employed were sufficient to qualify. I met that requirement. 

Now that interest rates have crept back up, they changed the rule to state that I must be employed at the current job for 6 months and then we would have to start the whole time-consuming process over again, with rates now much higher! 

I called the UWM consumer advocate department ( XXXX ) today, XX/XX/20, to see if they could address this complaint and get our loan closed, as promised. But they never called me back. Then I sent an email, similar to this one to XXXX, which I got off the UWM web site, but never heard back from them either. 

Please force UWM to honor their end of the contract and get this loan closed as promised. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation