BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-21
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
US bank is both the lien holder, servicer and investor in my XXXX home mortgage ( confirmed with them ) I lost my job on XX/XX/2018. 

I used my severance to pay Mortgage / Property taxes  and did not get a new full salary check in my new position until 1st week XX/XX/2018. 

I fell behind two payments of {$3500.00} each. 

I applied for a forebearance and hoped to have the loan modified in some way. 

To date ( XX/XX/2018 ) US bank has declined to modify the loan and instead " offered '' a 3 month accelerated repayment plan of over {$5800.00} to be paid XX/XX/XXXX, XXXX, XXXX I had to turn this down as I only have about $ XXXX/month disposable income after paying all my bills. 

U.S. bank knew this in XX/XX/2018 when I applied. 

I appealed their repayment plan and denial of loan modification by XX/XX/XXXX IN WRITING as there letter to me instructed. 

I'm Waiting to hear from the appeal ( as of XX/XX/2018 ) I called US bank MAP ( mortgage assistance point today ) My Complaint In the middle of trying to a loan modification ( XX/XX/2018 ) I received a letter from US bank saying they were setting up an escrow account into which I was to deposit about $ XXXX/month to cover home insurance and property taxes. 

My loan note with them EXPLICTLY says " no loans or impound accounts '' and I will pay the property tax as I have done so far. 

I want this escrow account suggestion withdrawn. 

They have made the situation more complex as I was UP TO DATE on all home insurance payments with XXXX ( XXXX ) and yet they paid the full 6 months insurance even though I'd already paid 2 months WITHOUT my knowledge or consent. 

US bank refuses to conduct business via email and insists on telephone conversations. Im guessing to avoid paper trails. 

I have written to them and asked they shut the escrow request down and fix the home insurance mess they created.

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 2023-08-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX XXXX  as seen in Exhibit D, I received a check from XXXXXXXX XXXX XXXX XXXX XXXX, XXXX redeeming all of my remaining shares in my account with them in the amount of {$4300.00}. On XX/XX/XXXX XXXX I went into Wells Fargo Financial Institution located on XXXX XXXX in XXXX, Ga to cash this check as seen in Exhibit E. Then on XX/XX/ as seen in Exhibit F, approximately five days after the check was cashed, I began receiving alerts from my Wells Fargo account reflecting negative activity and falsely alleging the check that I cashed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX was deposited into my account and returned as a bad check. On XX/XX/ XXXX XXXX I contacted Wells Fargo to inquire about the recent negative notifications received and was advised by a customer service representative on a recorded line that the check was either bad, or the company that issued the check had placed a stop on the check, and I need to contact the issuer of the check for details, but because Wells Fargo could not draft its funds in the value of the check, they deemed me liable and caused me damages by withdrawing the {$4300.00} from my checking account. The Wells Fargo representative also advised that I would receive a copy of the dishonest check in the mail which I received on XX/XX/ as seen in Exhibit G. On XX/XX/ Wells Fargo customer service representative confirmed that the check which I cashed was processed at closing on XX/XX/ and cleared on XX/XX/. Now knowing this information, I asked how XXXX XXXX XXXX XXXX XXXX, XXXX was able to place a stop on a check that processed at closing the day it was cashed, cleared 24 hours after processing, and that Wells Fargo authorized payment for five days before the stop was requested. To that, the representative could not provide an answer. On XX/XX/, I contacted Wells Fargo to inquire about why the check I cashed on XX/XX/ was falsely reflected within my account records shown as the check was deposited into my account without my authorization and returned as unpaid on XX/XX/ as seen in Exhibit F, the representative could not provide an answer. Wells Fargos unauthorized activity of falsely reporting on my account, and allowing XXXX XXXX XXXX XXXX XXXX XXXX XXXX to issue a stop payment five days after payment on this instrument was authorized is dishonor and Wells Fargo is liable for the damages it caused.

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 2023-08-05
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX XXXX, and I am sending this request to dispute inaccurate information in my credit file and 3 Credit Bureaus ignoring my letters because they believe It didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! there is no other than filling my complaint, Im the who filling this, I seeking a assistance to delete the inacuracies in my credit report. The items listed below are fraudulent and must investigate and delete. 
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 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 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 2021-01-26
Company: Bread Financial Holdings, Inc.
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: Account status incorrect

Complaint:
Settled/paid a charge off with an collection company for comenity cb/ my place rewards and comenity refuses to update the status of the account along with the comment. Status of the account should state ; current. Comments should state ; paid as agreed or paid in full for less than full balance. Ive tried to dispute the account multiple times and Ive tried to contact, but Comenity refuses to talk to me. Comenity states that they dont own my account, but refuses to remove it from my report or update it. Ive also wrong a goodwill letter and was ignored ( XXXX ). 
Payment made : {$170.00} Account satisfied on : XX/XX/XXXX Original creditor : Comenity Capital Bank Debt collector : XXXX XXXX XXXX. 
XXXX stated that they would request for the tradeline to be removed from all three credit bureaus but Comenity refuses to remove or update the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: AR
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. The information on my credit profile below appears to be somewhat misleading and incorrect, so I am formally requesting that it be CORRECTED. In accordance with the Fair Credit Reporting Act, 15 USC section 1681i, you must complete your investigation within XXXX  days ; otherwise, you will be in violation, and the Federal Trade Commission may conduct an investigation : CXXXX XXXX XXXX  Balance Owed : XXXX XXXX FINCL XXXX Balance Owed : XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$XXXX}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Experian Information Solutions Inc.
State: DE
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:
YOU ARE BREAKING THE LAW!!! 

RE : Late Payment Account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX I noticed that my consumer report has been adversely affected due to an inaccurate late payment. I believe XXXX, Experian, and XXXX are violating federal law by knowingly furnishing false credit information. It is impossible to be late on an extension of credit. 12 CFR 1026.4 defines a finance charge. I respectfully request your company provides me with documentary evidence that clarifies this billing error. 

XXXX CFR XXXX ( i ) states that a consumer credit contract is any instrument which evidences or embodies a debt arising from a XXXX XXXX XXXX transaction or a financed sale as defined in paragraphs ( d ) and ( XXXX ) of this section. In accordance with Regulation Z, you can be fined for giving false and inaccurate information. I do not consent nor give these consumer reporting agencies permission to furnish this negative information pursuant to 15 USC 1681b ( a ) ( 2 ). 

No law under the Fair Credit Reporting Act requires XXXX, Experian, and XXXX to furnish negative information to my consumer report. Furnishing false credit information is a violation of federal law and a violation of my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). The Right to Privacy was declared a fundamental right by the Supreme Court in 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 explanation
Consumer complaint received 2018-11-14
Company: Clarity Services
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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute to Clarity Services , Inc  on XX/XX/18 regarding an item that is listed on my Consumer report by XXXX XXXX. I faxed to Clarity Services the Bankruptcy order which shows XXXX XXXX  listed as a unsecured creditor and I also included the discharge order. I received a letter from Clarity Services on XX/XX/18 stating that the investigation was completed and this information is accurate and complete and will remain on your file. Maybe I am confused, which I doubt I am, but I need someone to explain to me how this information is accurate and complete. I filed Chapter XXXX on XX/XX/2018 and XXXX XXXX was notified by myself as well as my attorney regarding this case. We had the meeting of the creditors on XX/XX/2018 and not one of my creditors appeared in court including any representative from XXXX XXXX. My case was discharged on XX/XX/18. Therefore once I received my discharge order from the court any debt that is dischargeable is no longer owed which includes XXXX XXXX. There should not be a dollar amount in the trade line but a XXXX balance-discharged in bankruptcy on this trade line that is the LAW!!!!!!!!!. anything else reported is derogatory and is not allowed!!!!!!!! .I received a legal discharge from this debt and I do not understand why I am having to fight with XXXX XXXX and Clarity Services regarding this matter. Clarity Services should have updated my report to reflect this and they failed to do so. Furthermore If XXXX XXXX was that concerned about this matter they would have appeared in court on XX/XX/18. I GUESS THESE PEOPLE FEEL THEY ARE ABOVE THE LAW AND THE RULES DO NOT APPLY TO THEM. I AM SICK AND TIRED OF HAVING MY CONSUMER RIGHTS VIOLATED!!! I SEE WHY THE FTC IS ALWAYS SUING THESE COMPANIES BECAUSE THEY ARE SO EVIL!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions 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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 explanation
Consumer complaint received 2023-05-13
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: Information belongs to someone else

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$5.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2018-11-14
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The way the bank posts transactions is highest dollar amount to lowest so they maximize the overdraft fees I had 3 transactions post one of them I was short by about 40 it was an automatic payment that I forgot was coming out if they had post transactions from lowest to Highest I wouldve paid one {$36.00} overdraft fee but instead they did highest to lowest so I got charged three {$36.00} fees they are maximizing fees and taking advantage of consumers who run short

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: TD BANK US HOLDING COMPANY
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 never been wit this company XXXX on XX/XX/XXXX or never heard of this place before .. U got the wrong person please take off my credit .. Ive never had anything to do wit this ... Ur charging me for something i never aplied for or gave u no permission to charge me never heard of this company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I disputed 2 accounts with each credit bureau on my credit report that both accounts addresses were wrong on my report. The letters were returned back to me they were not deliverable. I sent each credit bureau a copy of the return letters with a copy of the Postal Service tracking system that states the address is no longer valid. This is an error on my credit report, therefore according to FCRA Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate. Given that the furnisher has provided false information on my credit report both accounts should be removed.

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 2023-10-05
Company: Experian Information Solutions 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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2023-02-01
Company: Experian Information Solutions Inc.
State: NY
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 tired of sending dispute letters to Experian requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up on my previous complaint and letters I submitted on XX/XX/2023, and to inform them that I am halfway of taking legal action and sue the Credit Bureau for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : 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 explanation
Consumer complaint received 2018-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the accounts XXXX XXXX XXXX , XXXX and 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 explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 response to consumer: Closed with explanation