BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-04
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had just closed on a mortgage for my primary residence with Union Bank at the end of XXXX / beginning of XXXX and started working with them for a refinance transaction for an investment property on XX/XX/XXXX. I was quoted by XXXX XXXX over email that closing costs would be roughly 4k  on on $ XXXX 75 % = {$150000.00}, PI {$760.00} 3.875 % 1.250 pts. 
I asked XXXX and his assistant XXXX to proceed with the transaction. 
XXXX responded on XX/XX/XXXX with this : " Ok, I will forward a online app invite to you, the same you filled out for your purchase. Its easy. '' I filled out the application and proceeded to provide all required documents to XXXX and XXXX. 


On XX/XX/XXXX I received a loan estimate that showed the closing cost of {$7300.00} instead of ~ {$4000.00} that was quoted to me. This is all documented in email. XXXX said that was a misquote and he will work with management to get a rate exception While the issue with the rate was going on, I was told that the appraisal has been ordered ... and I was contacted by the appraiser who completed the appraisal in XXXX. 
As I was getting worried that the transaction is not proceeding as per normal i kept asking XXXX about progress and was always reassured that its proceeding per usual and that refinances are just taking a long time at the bank right now. 
But in the middle of XXXX i was told by XXXX that my application was cancelled since I did not pay the application fees. NO ONE EVER ASKED ME FOR AN APPLICATION FEES. 
At this point, XXXX said we need to re-start the process. XXXX called and collected {$550.00} application fees and my loan was submitted for underwriting around XX/XX/XXXX and a new appraisal was ordered. 
After getting the run around from underwriting for a month and still no progress till XXXX, i decided to go with XXXX  XXXX  for this transaction. 
I am asking for action to be taken against Union Bank and for my {$550.00} application fees to be refunded in full

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 2020-04-29
Company: EQUIFAX, INC.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$670.00} XXXX/XXXX   XXXX {$1200.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-25
Company: CARCO Group, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is no record of me ever living at this property at XXXX XXXX XXXX XXXX XXXX XXXX Texas, yet there is an eviction filed in my name and reporting to my renters history. The management company and the actual property has no record of me ever living there. Please see letter from the apartment complex and email chain for corporate office. I never lived at this address so how could I have been evicted? Please stop reporting this false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Today XX/XX/2023 @ XXXX XXXX  central time chime closed my account unexpectedly I watched them send an email to my phone I immediately went to try to access the app but had been automatically signed out - since Ive been going back and forth via email and phone talking to representatives and supervisors while having them tell me they are escalating my situation to the back support team I gave them an address where the check needs to be send immediately and they are currently giving me a hard time about additional documents when Ive got provided account information and etc to verify account. I even asked if I can even send in my birth certificate along with drivers license to have that NEW address I gave Them updated on file immediately because thats where the check needs to go ( XXXX Texas )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Last Tuesday, XX/XX/XXXX, I attempted to buy gas with my debit card and was told it didn't work knowing full well that I had plenty of money in the account. I came home, tried logging into my online banking and was logged out. I called and spoke to a Fraud specialist at TD Bank and they told me that at XXXX that afternoon, some one pretending to be me went into a TD branch in XXXX and they closed out my card and had a new one created for themselves while impersonating me. They also attempted to use the new, fraudulent bank card at a XXXX XXXX XXXX branch nearby but they were unable to take any money out The following day, the XXXX I went into my local TD branch and I was able to close my old bank account and transfer the funds into a new account. I met with a XXXX police officer and filed a police report. 

This week, yesterday the XXXX, I came home from work around XXXX to find 8 large furniture boxes from XXXX in my driveway. I did not order this so I called the XXXX police and went to a drs appointment. When I returned the boxes were gone. A cop had driven by my house around XXXX and they were gone. After my appointment I met with a police man to file another police report for the new situation. I called XXXX and talked to their fraud department. They told me that the order was placed XX/XX/XXXX for about {$4000.00} worth of merchandise from XXXX. They have already had 2 bed frames with headboards delivered and stolen from my house XX/XX/XXXX. There are still items coming so XXXX tried to redirect the items to a XXXX center. They also alerted me that these people created a new gmail account using my full name. They also opened a XXXX XXXX XXXX account although I can not see this on any credit report. I also froze all of my credit last week when this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Early Warning Services, LLC
State: PA
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:
To whom it may concern. I was reviewing my consumer report and I notice these accounts negative account being reported without my permission. I would like for you to furnish me my contract I have with each of these banks, with my signature. Please provide me a signature or contract that shows that I was negative on these accounts. If you can't furnish it, you have to remove it within XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act. The List of items below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated that everything was completed and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify that isnt reporting correctly. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section604 A section 2 : It also states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has reasonable cause to believe that the information 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 non-monetary relief
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2018-02-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
For many years I had an account with Washington Mutual and was rewarded by the bank with a free checking account and safety deposit box. Since this bank was taken over by Chase Bank I lost the key to the box in the process of moving. Now it seems that Chase Bank cant find the box. Unfortunately I had a large amount of jewelry and stock certificates in the box. I last accessed the box about 4 years ago when I put additional items in the box. After that time I moved and have gone through everything that was packed. A few boxes were missing. 

I asked Chase if they could check one of my old statements from Washington Mutual as it box was listed on my statements. They can only go back 7 years which was after they took over WAMU in 2008 Do I have any Recourse? i was told that the old sign in cards had bee replaced with an electronic database. They do not have many safety deposit boxes that were the smallest size and if one has no key and no nameitshould arouse some suspicion. 

Thank you for any help or suggestions. Can I hire some legal advice? 

XXXX! o XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: EQUIFAX, 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:
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$3900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2022 I applied for assistance to get my mortgage paid. I was approved but my mortgage company pennymac is not partner with mshda-mihaf program so I am unable to get assistance. I was told by the program to contact my mortgage company to have them participate in the program. They act like they didn't understand and just telling me to tell mshda to just send yhe payment, i tried to explain the situation but no results. This program is willing to assist me with mortgage I am about to get laid off from my job and I know I do not get unemployment because I just started I need this assistance. Because I am on a modification right now and I can not afford to lose my home. Covid has put me behind alot, I just can imagine any one else in Michigan who has pennymac and can not get assistance and the money is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX DOB XXXX SS XXXX I have a ton of addresses that are not mine and are not correct. 
XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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. 

Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 reporting agency if the person knows or has reasonable cause to believe that the information 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 non-monetary relief
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-03-02
Company: EQUIFAX, INC.
State: VA
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:
Dear CFPB, Hello From XXXX XXXX of XXXX XXXX XXXX in XXXX, VA XXXX. 

I have prepared a very detailed PDF to Explain the Issue that you will need to Check in with Equifax About. 

It is our understanding, that for at least 3 years, Equifax XXXX has been providing our Credit Report data for our Business to a Little known 3rd Party Called XXXX in XXXX Utah. And, somehow that XXXX XXXX XXXX that XXXX has been Selling ( not just showing but profiting from ) is right next to the Equifax XXXX and being sold as " Equifax Says this is the Truth about XXXX 's Credit ''. And the XXXX XXXX XXXX and or XXXX XXXX score from Equifax that XXXX is showing is updated daily from Equifax XXXX 

2. Meanwhile, everty 6 months we obtain a Credit Report for XXXX XXXX XXXX Equifax that shows XXXX XXXX XXXX  as do XXXX XXXX XXXX and XXXX. 

3. And then, when I reach out to XXXX a ( little known ) company, profiting from Selling Equifax data, ( to other businesses or to lenders ) and show them proof and ask them to fix our Fake Equifax Risk Rating, they refuse because " It's not them it is Equifax '' and that has been going on for 3 years since 2020 and I am so angry that I want Equifax Counsel to know that I will NEVER give up on Justice and I will NEVER let you get away with this and I would expect for Equifax to be as angry as I am that XXXX a little company in Draper, UT is PROFITING FROM SELLING YOUR EQUIFAX CREDIT DATA NEXT TO YOUR LOGO EQUIFAX. ( Please see proof attached ). 

4. And then, when I reach out to Equifax they say the opposite, that I have to get this corrected with XXXX And that Equifax does not get concerned at all about another company 's Business Model even if it invoves Lying, and Cheating and Publishing Fake Data with the Equifax Brand. 

5. Please Ask Equifax to get this fixed immediately and without any further excuses. Even if they have to get a Court order ( injunction ) as I don't know yet if I can afford a lawsuit, and XXXX does not want to give up the sweet deal that Equifax allows for, and XXXX is Slandering my company every day. 

6. Equifax should not be able to get away with this any longer. Please see all Proof documents attached. Please fix this problem immediately. At the very least, tell XXXX to stop showing ANY Business Credit from Equifax if they don't receive accuarte data about us from Equifax. 

Thank you for understanding! This has been going on too long and I have had it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an SBA loan to get my small business off the ground. Your company has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 a victim of identity theft please remove this fraud inquiry from my credit report.

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