BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-10
Company: M&T BANK CORPORATION
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I was approved for a VA home loan from M & T Bank in XX/XX/2020 for XXXX. We found the house we wanted for XXXX and The total loan would be around XXXX. Before the appraisal we where told that there might be issues with the VA approving the loan for a modular/ manufactured home, and the VA exception board would have to approve the loan, and it could take up to 10 business days to hear a reply after the underwriter received the  appraisal and submitted the paperwork to the exception board. We had a VA loan before and where certain that The VA would approve our loan. We asked that they go ahead with the appraisal. My wife received a call from M & T Bank expressing that the appraisal would not be covered by closing cost and we would have to pay out of pocket XXXX for the appraisal before they could order it. I gave the person my CC number and the transaction should showed up as processing the next day, but never showed as a complete transaction on my statement. The appraisal was done and turned in on XX/XX/2020. I only just now received a copy in XX/XX/2020. We repeatedly asked for a copy of the appraisal to give to the seller who also had not received a copy. They told us that only the underwriter could view the appraisal. Only after M & T Bank Officially turned down our loan on XX/XX/2020. That we found out M & T Bank does not approve manufactured home loans of any kind, on XX/XX/2020, it was the M & T Bank exceptions board not the VA that had to approve the loan. On XX/XX/2020. We received a call from the loan officer saying  the loan had been declined. We Really liked the house so we went with a new lender on XX/XX/2020 and requested the Appraisal be forwarded to the new lender. The new lender and myself repeatedly contacted M & T Bank and requested Access to the appraisal via the LINN. We received no response. The new lender had there or corporate get involved before we received any kind of reply on XX/XX/2020. It still took them till XX/XX/2020 for us to access the appraisal. Only after they informed us via phone call that we would not be receiving the LINN number till they received the check from my current lender to pay for the appraisal. Of course the payment was for the VA, who had locked to appraisal till it was paid for. Which I have been told by the VA that is not true.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hello, In XXXX I got a new leased XXXX XXXX. The lease was for 3 years. During the course of this loan, I had two issues with XXXX XXXX 's auto payment system. Once in XX/XX/XXXX and once again in XXXX XXXX When I realized it happened again, fearful my credit would be penalized, I paid off the remaining months of my payments early. When I returned the vehicle early, I was charged again with additional fees that were all paid on the date of return and the account was officially closed out by XXXX XXXX 
This all shown and recorded on XXXX. 
The past few years my husband and I have been looking to purchase a home. We went to sign mortgage documentation XX/XX/XXXX, I noticed that it incorrectly showed an active loan with XXXX XXXX. When I informed our lender, they let me know " There is a XXXX lease still showing up on your credit for {$1800.00}. '' This does not show up anywhere on my TransUnion or XXXX report shown in XXXX. This is the first this has been brought to my attention and I believe this has been negatively impacting my credit the past 3-4 years now. I tried to resolve this issue with XXXX XXXX and they seem next to impossible with communicating. I can not access my XXXX XXXX account because I no longer have an account number which is required to login. After further investigation, I saw I'm not alone and this has happened to other XXXX XXXX TransUnion consumers who turned to the law for help. I'm not sure if this is the right avenue to turn, but I'm hoping to get this situation justified without having to pursue legal action. I feel they have violated the Fair Credit Reporting Act. Thank you for your assistance in helping to correct this.

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 2023-02-15
Company: EQUIFAX, INC.
State: AL
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:
i sent equifax a letter in XXXX. its now XXXX and have not gotten a response. i need someone to read my letter. my credit is at stake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, 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 2020-10-18
Company: Rocket Mortgage, LLC
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:
Hello on XX/XX/2020 I went on a site which was Rocket Mortgage to research some options and in order to proceed on the site they wanted me to put my social security number in a box. I put a dummy social security in the box because I checked the box that said " No time Frame ; I am Researching Options '' but they decided that they had enough information to run my credit without authorization. I received a letter from Quickens loans that states that I selected to have my credit run which is false. I believe sites are trying to hurt peoples credit by running a hard inquiry on people that are only researching. In addition ; I called XXXX XXXX who are the people that ran my credit as well as the people who did the investigation on my dispute. They gave me the information to contact Quicken loans and I spoke to a women named XXXX XXXX on XX/XX/2020 who I argued with because she told me that pulling my credit is disclosed on their website ; which I did not see and wasn't too worried about it because I knew that I was not going to provide my social security number. She mentioned that giving my name and some other info can allow them to pull my credit without providing my social security. However ; I asked her why would I want my credit pulled if Im just searching options and wasn't looking for a loan at this time. Nevertheless ; I would like this Hard Inquiry to be removed off of my credit report ASAP and I would like everyone to know and be aware of sites like this that are willing to pull your credit without authorization even if your just researching options.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my State of California treasury check from work and the bank will not release the funds and restricted the debit card from use for no apparent reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  Account number XXXX Date : XXXX, XXXX Amount : {$22000.00}, Account number XXXX Date : XXXX XXXX,XXXX Amount : {$3000.00}, Account number XXXX Date : XX/XX/XXXX XXXX Amount : {$2400.00}, Account number : XXXX Date : XXXX Amount {$2100.00}, 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2018-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D  ). 
The specific information is not accurate. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There are phone numbers that are not mine that I need removed ( 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 2020-06-01
Company: Guild Mortgage Company LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have our current mortgage through Guild mortgage, and are in the process of buying a new home. 

I called on XX/XX/XXXX and was assigned XXXX XXXX as our loan officer. After the initial consultation me and my wife completed and submitted our application. 

XXXX was extremely unresponsive. He never answered his phone, would take days to respond to emails, and refused to ever respond to any correspondence sent from my wife. 

After almost a month he finally offered to lock in my interest rate, now significantly higher than what was originally offered to me. 

On XX/XX/XXXX he sent over an agreement to sign. This form had my down payment at {$5800.00}. The monthly payments were much higher than we had discussed, but we had also discussed a {$10000.00} down payment. I asked XXXX to let us know what our payments would look like with a larger down payment. The payments didn't decrease by much, so I told him to just go with the {$5800.00}. At this point he let me know that FHA require a larger down payment. 

At this point I really lost my confidence in letting this guy handle a process that would affect me for the next 30 years. I spoke with my agent and she recommended a different company. Our current loan officer was very responsive and enthusiastic so we decided to switch to them. 

I let XXXX know that we would be switching on XX/XX/XXXX, and have have received no further correspondence from him. My current lender is Moving forward with our loan process, but needs XXXX to release our FHA case number so that he can move forward. Calls and Emails from the mortgage company and myself have all gone unanswered. I feel like he is holding our loan hostage, whether maliciously or through negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Some XXXX  is using my personal info to try to set up credit cards in my name. Have also had fraudulent tax returs filed under my name. With 3 credit card applications in the last few weeks trying to be opened... I was asked to provide my data on this site.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Dear Sir : I've been trying all dat today to close my Capital One 360 account and still no progress. I'm writing you because the customer service staff are giving me the run-around, transferring me, then I stat on hold. I've also written an email today. When I tried to go to customer service links or to certain links within my profile account, I keep getting silly little messages stating that Capital One site is having problems then it was the browser, etc! It really seems to me as there is a game being played on me & trying to stall me for some reason.

I only have XXXX in the account! Geez XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I got an auto loan from SunTrust Bank in XX/XX/XXXX. At the end of XX/XX/XXXX, the vehicle was repossessed. After few days I was able to secure the amount needed to bring up my account current and all the fees mentioned in the contract like repossession fee. To my surprise, when I called to make the payment, the bank representative had added {$1800.00} for " Other fees '' that can't be explained by any terms of the contract provided by the bank when I purchased the vehicle. I have requested from the representative to email me a letter from the bank to that effect, which I do have. I refused to pay that fee and offered to pay only the fees mentioned in the contract, but the bank did not accept and demanded the " Other Fees '' to be paid to release the vehicle. After few months, the bank sent me a letter explaining the calculation of deficiency. I called the bank and explained to the representative that I was not able to retrieve the vehicle because of the " Other Fees '' added couple of days after the vehicle was towed. At that point, the representative tried to convince me that " Other Fees '' meant " additional amount to be paid toward the principle ''. When I disagreed, the representative made a comment about " English being my second language '' and that's why I might misinterpreted the " other fees '' mentioned in the letter received by the bank on XX/XX/XXXX. I believe the representatives are playing with words to mislead consumers specially when they hear an accent.

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 2022-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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've filed a dispute with XXXXXXXX XXXX where I have been XXXX  in the XXXX XXXX XXXX  XXXX since XX/XX/2017 serving a XXXX XXXX XXXX  in the XXXX XXXX XXXX XXXXXXXX. Where I am housed at the XXXX XXXXXXXX XXXX XXXX  at XXXX XXXX XXXX XXXX, OK XXXX and my XXXX  number is XXXX. I looked on my credit report, I seen an account from XXXX XXXX  that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my XXXX XXXX card which shows my start date, how long I've been in XXXX, with a copy of my XXXX  XXXX Identification with my Social security card. Which could've all been verified by the XXXX  XXXX XXXX had this company did a proper investigation into this matter. Where they failed to respond to me in writing. And for these reasons if I have been XXXX  for the past five years when this account was opened in my name I was in the XXXX XXXX XXXX XXXX at the same address of XXXX XXXX XXXX XXXX XXXX XXXX for the past 5 years where no cable was ever Serviced at a XXXX  XXXX. this is facts that would would show that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
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: Their investigation did not fix an error on your report

Complaint:
XXXX Disputes Address XXXX XXXX XXXX XXXX : Credit Dispute XXXX XXXX XXXX XXXX XXXX, CA XXXX Act : XXXX - Letter of Explanation - SS of Credit Charts XXXX Report # : XXXX Date Generated XX/XX/XXXX I just confirmed today, XX/XX/XXXX, with the collections dept at XXXX XXXX that the dispute results above were inaccurate. After my XXXX XXXX XXXX was totaled in a car wreck in XX/XX/XXXX, my car insurance wrote a full check to pay off the balance of the car & then I leased a new XXXX XXXX. I do not owe XXXX any funds. Nor should this be reporting on my credit at all. The acct was closed and paid in full at the time of my accident in XX/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 2018-09-01
Company: Navient Solutions, LLC.
State: NY
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:
They keep calling my home phone and cell phone to speak with someone who does not live here over a debt that is not mine. I have told them repeatedly over the past 5 YEARS, yes 5 years that the person they are attempting to contact does not reside at my residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 never apply to this bank or gave them permission to use my credit

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 2018-09-01
Company: EQUIFAX, INC.
State: CA
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 misused of credit file. Disputing accounts that I did not request. Making faults statements on my credit file. 
Tried to communicate with the supervisor XXXX and The CEO XXXX. No response from either one of them regarding the misused of my credit file. 
XXXX XXXX XXXX card Equifax had went behind my back to dispute and Good Credit on file that had been PAID OFF years ago. XXXX XXXX XXXX card. Last reported from creditor XX/XX/XXXX Pays As Agreed. The account been CLOSED as of XX/XX/XXXX and last payment to the creditor XX/XX/XXXX. Credit in good standing. I do not know why Equifax decided to dispute the account behind my back on XX/XX/XXXX and took out PAID. I had been communicating with a dispute specialists by email. XXXX XXXX. She did not remove the dispute remark and put PAID back on the account. Instead she put another dispute on the account XX/XX/XXXX left out PAID. Then on XX/XX/XXXX the remark Went back to Account closed at consumer request and added Consumer dispute after resolution. and put Transfer/Sold and left out PAID. Because of the disputes that I did not request. My credit is damage because of it. 
XXXX XXXX The last reported date from creditor was on XX/XX/XXXX over 2 years ago. The creditor had sold the debt to a debt buyer who had lost authority to report anything to the account. 
Equifax had went behind my back to dispute XXXX XXXX just to modify the account on XX/XX/XXXX. and again on XX/XX/XXXX. I had file a dispute on the account that started XX/XX/XXXX regarding unauthrized dispute on XX/XX/XXXX. .Tried to communicate with Equifax XXXX The account again was in dispute on XX/XX/XXXX and again on XX/XX/XXXX to prolong the XX/XX/XXXX dispute that I request regarding the unauthrized dispute on XX/XX/XXXX. My credit is damage. 
. 
XXXX XXXX XXXX. 
I had tried and tried to dispute XXXX for braking into my credit file when a security freeze been attached to file as of XX/XX/XXXX. Every dispute been ignored. Equifax doesn't care if the collection account is in the wrong spot in the file and wrong information. 
I had tried again to file a dispute that was enter on XX/XX/XXXX and I believe it ended XX/XX/XXXX. There was a dispute on the account as of XX/XX/XXXX that I did not requested. Tried communicate with Equifax again about the account. Another dispute was enter on XX/XX/XXXX and on XX/XX/XXXX It stopped after that. 
Very unprofessional employees at Equifax.

Company response to consumer: Closed with explanation