BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-27
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I sent a payment instrument ( copy included ) XX/XX/XXXX certified mail with a return receipt which was signed for on XX/XX/XXXX that was held and not returned to me, and UWM has failed to XXXX out my account. I have now led it with the U.S. Treasury to pay o my balance using my XXXX XXXX XXXX trust. UWM is now obligated to le a 1099-OID form to receive the funds from the U.S. Department of Treasury XXXX and failure to do so should result in a corporate violation of my rights per HJR 192 of 1933 and 15 USC 1692 A-K. Their failure to accept my payment as such is both an illegal and unlawful act by their corporation. 

There was no return of my negotiable instruments, which means they have now accepted one ( 1 ) payment toward this account. UWM company has failed to pay o the balance owed, failed to acknowledge the reason as to why the instrument was not accepted for payment even though it was not returned, which by denition is accepting payment per each letter sent, and has continued with defamation of character in credit bureau reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was hand-printed on the front. On the back, I've indorsed it with the beneficiary signature in acceptance for payment which you may draw from my XXXX XXXX XXXX trust. 

Also, a coupon is worth whatever the face value it has printed on it ; Moreover, I mentioned earlier and you may have noticed, I signed the back of the coupon as a beneficiary as an attempt to make a payment on this debt ; Also, if my payment is refused then by this law the billing statement is void ; EXTINGUISHMENT OF OBLIGATION CHAPTER 4 Article 1256. If the creditor to whom the lender of payment has been made refuses, the debtor shall be released from responsibility by the consignation of the thing or sum Be It Known : The green return receipt returned to me evidences a Common Law-contract between us under the Postal rule, which states : The postal rule ( also known as the mailbox rule or " deposited acceptance rule '' ) is a term of common law contracts which determines the timing of acceptance of an offer when mail is contemplated as the medium of acceptance. The general principle is that a contract is formed when acceptance is communicated to the offeror. The mailbox rule is an exception to the general principle. The mailbox rule provides that the contract is formed when a properly prepaid and properly addressed letter of acceptance is posted. One rationale given for the rule is that the offeror nominates the post office as the implied agent and thus receipt of the acceptance by the post office is regarded as that of the offeree. The main effect of the mailbox rule is that the risk of acceptance being delivered late or lost in the post is placed upon the offeror. If the offeror is reluctant to accept this risk, he can always require actual receipt before being legally bound.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions 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:
I have attached 4 highlighted accounts which are all reporting inaccuracies to my three credit bureaus, dates are incorrect, amounts are incorrect and they are violating the FCRA by reporting these inaccuracies to all three credit bureaus.

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 2022-06-27
Company: Experian Information Solutions Inc.
State: CA
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 # XXXXXXXX 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 an 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 2022-11-30
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received a bill on XXXXXXXX XXXX XXXX showing two purchases on the XXXX and XXXX XXXX XXXXXXXX on bestbuy.com. I called best buy/Citibank ( XXXX department ) and reported that I did not made these purchases and requested to know what they were. I was informed they could not tell what they were, but they would file a fraud complain to investigate. I received a letter on XXXX stating they had investigated and I still have to pay. I called them back and talked to three different departments requesting what was purchased on the dates of XXXX and XXXXXXXX XXXX XXXXXXXX. They told me that there is no purchases done on those dates on my account! After talking to 4 different people and explaining that they cant charging me for something I didnt purchase without telling me what was purchased, they kept telling me I needed to call the XXXX department. I mentioned to them that I already did and they cant tell me either what was charged on my card on these days. So, now they are demanding I pay for two purchases I didnt make and treating me they will send my name to collection agencies if I dont pay. How am I supposed to pay for something I never did buy and there is no department within Best Buy that can tell me what was actually purchased with my card?

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 2022-04-25
Company: Long & Foster Financial Services, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or around XX/XX/XXXX I engaged in a consumer credit transaction in regards to a mortgage loan with Prosperity Home Mortgage , LLC with XXXX XXXX as my Mortgage Consultant. On or around XX/XX/XXXX XXXX XXXX contacted me via email to inform me that she was unable to complete my application but had ran my credit scores stating " XXXX score is " XXXX '' and XXXX XXXX is " XXXX ''. Since XX/XX/XXXX I have tried to contact XXXX XXXX via phone and email I have not gotten a reply. The last time trying to contact XXXX XXXX was XX/XX/XXXX around XXXX pm after receiving an email from her minutes before understanding it was not a business day, to apply about moving forward with my application process. Nevertheless, I had concerns regarding my rights pursuant to title VII ( Equal Credit Opportunity Act ) ( 12 CFR 1002 ) of the Consumer Credit Protection Act, as amended ( 15 U.S.C. 1601 et seq. ). Even though XXXX practice appears neutral on its face, requiring that applicants have income in excess of a certain amount to qualify for an overdraft line of credit could mean that women and minority applicants will be rejected at a higher rate than men and nonminority applicants ( 1002.6 ) - Rules concerning evaluation of applications. However, a creditor may not consider in its evaluation of creditworthiness any information that it is barred by ( 1002.5 ) from obtaining or from using for any purpose other than to conduct a self-test under ( 1002.15 ). 
Except as otherwise provided in the Act and this part, a creditor may consider any information obtained, so long as the information is not used to " discriminate '' against an applicant on a prohibited basis. The legislative history of the Act indicates that the Congress intended an effects test concept, as outlined in the employment field by the Supreme Court in the cases of Griggs v. Duke Power Co., 401 U.S. 424 ( 1971 ), and Albemarle Paper Co. v. Moody, 422 U.S. 405 ( 1975 ), to be applicable to a creditor 's determination of creditworthiness.

Also, I do not waive any rights under ; 1. 12 CFR Part 1002.15 - Incentives for self-testing and self-correction ; 2. 12 CFR Part 1007 - ( Regulation G ) - definitions ; 3. 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ) or any other consumer rights thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSWORLD SYSTEMS INC
State: VA
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: Investigation took more than 30 days

Complaint:
The company keeps saying that they emailing back and forward with me through an email which is no loger in use by me. They keep telling me to login in some sort of website to get information regarding some course or class and I told them that I have not access to anything. The issue has being under investigation for more than a year and they have done nothing about this matter. I have emails where they promise to get back with me and promise to send the promissory note and they are refusing to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to 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, US dept of ed XXXX XXXX, dept of education/ XXXX XXXX 15 U.S.C 1681 section 602 A states I have right to privacy 15 U.S.C 1681 section 604 a section 2 : it also states consumer reporting agency can not finish 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 conviction of crimes which antedated 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 agency 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 2023-11-08
Company: Thaxton Investment Corporation
State: KY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XXXX from the local Heights Finance branch office called me on my cell phone demanding payment on my past due loan. When I told her I was struggling and didnt know when I could make another payment. ( I just made 2 full payments ), she threatened to send my account to the legal department, it isnt even 30-days past due. She wouldnt listen to and wouldnt let me speak to her manager and I when I challenged her on threatening to sue me over a bill that wasnt 30 days past due, she agreed that they would not do that. This is harassment and for a company I have done business with for years to treat me this way is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, 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 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 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
I reached out to Wells Fargo as I noticed my central appraisal district for XXXX XXXX has my taxable valuation for my home at 60 % LTV. As we all know whatever the central appraisal district has your home valuated at is way lower than any actual value of a home. I reached out to Wells Fargo who is supposed to be my lender and they said that I had to choose an appraisal company that they work with specifically and pay {$600.00} to have this mortgage insurance payment removed. I spoke with a lady that says that her information is XXXX XXXX as she did not want to provide her last name and told me that it was a XXXX XXXX requirement because XXXX XXXX is my lender which is not correct. 
I believe Wells Fargo is abusing many homeowners out there that do not know that their mortgage insurance premium can be removed having people pay thousands of dollars unnecessarily and making it impossible from any families to remove the mortgage insurance premium once they qualify. We should not have to pay for an insurance that we do not need and if there is verifiable proof by XXXX XXXX XXXX there is no reason why a lender should not drop this mortgage insurance immediately.

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 2022-06-27
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: LA
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:
Equifax/Equifax credit bureau did not provide me with the method of reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Between XXXX XXXX 3 fraudulent checks were deposited into a joint account with my son for just under {$15000.00} by a person who claim to hire my son. The funds were removed from the account via cash payment apps ( These are traceable transactions ). My son called the to report the fraudulent active and a dispute was filed. When he called back to check on the status of the dispute he was told that the bank would NOT help with filing the dispute and that my son would be responsible. The bank would not take any information from my son regarding the perpetrator. My sons small paychecks have always had a hold placed on them but somehow 3 fraudulent checks of {$5000.00} each were made available for immediate withdraw. This leads me to believe that this fraud was committed by someone working for the bank. This guy also showed my son 3 other peoples USAA accounts that he has done business with. I have attached the photo provided by the fraudster of the other USAA accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: NY
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 DO NOT ACKNOWLEDGE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-30
Company: SUNRISE CREDIT SERVICES, INC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XX/XX/2022, I was made aware that a collections account was on my credit report when I applied for a mortgage. Upon further investigation it was discovered that someone had stolen my identity and opened a cable company account under my name in Connecticut. I have never lived in Connecticut. I called Sunrise Credit services and they referred me to XXXX cable company. I submitted a complain with the cable company, they conducted an investigation and they concluded the account was a result of identity theft. I placed a dispute with all 3 credit reporting agencies, 2 of them removed the item from my credit reports. I filed a report with the Federal Trade Commission as a result of the identity theft and submitted that, along with a letter from the cable company stating that the account was indeed fraudulent. Unfortunately Sunrise refuses to remove the item from my credit report after multiple attempts from me. I have the identify theft report, a letter from the cable company and multiple disputes with XXXX credit. Sunrise refuses to acknowledge the fraud and have it removed from my credit report despite both the cable company and the credit reporting agency sending them requests.

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 2024-01-09
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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2022-06-27
Company: American Fidelity Mortgage Services, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I attempted to refinance my mortgage in XX/XX/2022 and began the process with American Fidelity Mortgage Services , Inc . I followed their process as instructed and provided all of the information they requested. The loan officer I was working with, upon discussing my case with his " manager '', told me I needed to participate in their Rapid Rescore Program in order to be approved for the refinance. I was hesitant at first because it would result in my having to borrow funds from a family member to participate. I did this in order to get approved only to find out that I did not have to participate in their " Program '', and I would have been approved but with a higher rate. During this process, they checked my credit score three times, placing three hard inquiries onto my credit report. At the end of the Rapid Rescore Program process, they performed an income verification, which I was told was already completed, and stated because I no longer work two jobs ( a difference of less than $ XXXX month after taxes ) I was denied the loan. All of this after three hard inquiries onto my credit report, being told the rate was locked in a month prior, having to participate into a program I didn't have to participate in, and having to borrow money from someone when it was never necessary. I want the hard inquiries removed from my credit report and this company to stop telling prospective buyers/owners they " : qualify ... if ... '' and placing unnecessary hard inquiries onto credit reports, which drag down credit scores. Three hard inquiries within 2 weeks is ridiculous and overkill.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation