BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-19
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was impacted by XXXX. I have had a financial hardship related to the quarentine and the next year I was admitted to the hospital in XXXX and discharged in XXXX. At some point I learned that I was eligible for mortgage asistance. I sent a loan modification application XX/XX/2022. When I called to follow up I was told that the loan modification would be cancelled and i would recieve the correct one in the mail. It could take up to 10 days. i never recieved it. At the end of each call I would confirm with the specialist that the mailing of the application would pause the foreclosure proceedings because my home was nearing the sale. 

All the application I sent where closed for various reasons, such as missing a document, needed a wet signature, SSA verification, missing application (? ). All of which I returned via email, mail, and or fax. Emails included statements about hardship, my williningness to comply so that i can keep my home. 

All of the reps I talked to indicated the process would stop because of my concern that 2 weeks is a long time to wait for the application. Emailed application took 5 days. My access to the online application was blocked as well. I understood that some of the applications were never recieved because they were cancelled or closed days after requesting information from me. I emailed and asked the rep about using updated documents from the other closed applications. They do not respond to emails. At one point I was told my house had not sold when it had. I made life changing decisions based off information coming from the specilist which I took as fact. Afterwards i recieved a denial letter for help as my home had already sold. 

My home was nearing confirmation of sale. I filed a motion to stay the confirmation the judge denied it choosing to focus on 'supposed incomplete applications when I thought I was arguing the fact that the lender had misreprented itself and those lies lead to my house being sold and leaving me with very little time to find affordable house on a fixed income. I am right now homeless because the lenders organization of specialist are not properly trained or they are all partipants in the lenders shenanigans. Non the less the plan was to work towards financial freedom all the while the lender giving me bogus information, misplacing documentation, unwillining to assist a borrower who can not get the application tother.

Please do not cancel this compliant I did not recieve help I am filing pro se. All the work here is orginal

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 2022-08-19
Company: ALLY FINANCIAL INC.
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Over the last 3 months Ally Bank has repeatedly issued me debit cards that had fraudulent transactions against them before activation, or with minimal use and no disclosure of the card. I've spent about 3 hours total with them on the phone attempting to resolve these issues, the resolution being getting a new card issued, which then gets fraudulent charges on it before I have used, and this latest time, even received it. Why would I dare activate it on arrival if this problem is going to continue? I am currently out about {$160.00} while I wait for them to dismiss one of the charges that somehow triggered their fraud prevention but was approved anyway. I discussed that amount with an agent, who was very friendly, but didn't seem empowered to do anything to reverse it that I couldn't do on the website - she tried and it " didn't work '' - and I'm still waiting for my money back after having done it myself. 

Additionally, Ally 's fraud prevention department 's calling system calls from a number that is not shown on the card, which if called, asks for personal information without any proof that the caller is not the fraudulent party in the first place. People say to only call the number on the back of the card- why would a bank call from such a number? I explained this to an agent as well, but I think perhaps this is more of a concern for consumer protection folks than one of their agents. This is completely unacceptable practice in this day and age.

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 2023-01-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I logged into my credit card app in XXXX, and it showed that my statement was XXXX so I did not make a payment. I was charged {$120.00} is interest in XX/XX/2023. I have always paid my statement balance to avoid interest when using my chase sapphire reserve credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: PNC Bank N.A.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PNC sent a letter on XX/XX/XXXX saying that they were forgiving debt of {$58000.00} and discharging a property lien.The only obligation I had with PNC was a mortgage of XXXX and a second mortgage of XXXX that they sold to XXXX.These were both obligations that I had no personal responsibility on but were attached to my property I followed up with PNC and was told that the XXXX 2nd lien on my property would be released. 
This was never done and instead PNC sent a mortgage discharge of a mortgage that no longer existed on a property that I didnt own.I complained to PNC about this at least 11 times in writing in XXXX and filed a complaint with the CFPB.PNC discharged a mortgage that didnt exist on a property that i didnt own and said they forgave debt that i didnt owe.This was wrong and illegalYou can not " forgive '' something that is no longer owed and that is what they are taking credit for.. 
PNC was using this " debt forgiveness '' as a means to satisfy the XXXX XXXX dollar fine levied by the federal reserve on XXXXThe fine could be satisfied by forgiving legitimate debt, instead PNC tried to forgive debt that wasnt really owed and that they couldnt and wouldnt collect PNC then sent on XX/XX/XXXX a 1099C saying they forgave the above debt ( that I didnt owe and that was discharged in Bankruptcy ) .I did not owe any debt to PNC so they could not forgive it.PNC committed tax fraud and regulatory fraud by saying they forgave debt that didnt exist and using the forgiveness to satisfy their obligation to the federal Reserve ironically as a fine for unsound mortgage servicing practices. 
I am attaching debt forgiveness letter, Federal Reserve Memo on PNC fine, emails showing my repeated contact with PNC on this issue and the 1095c they recently sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Nelnet, 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:
To whom it may concern, I am writing to delete the following information in my file : DEPT OF EDUCATION/NELN XXXX - {$10000.00} XXXX - {$4400.00} It shows that these accounts were both opened in 2010. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I sent the letter to XXXX on the XXXX XXXX  XXXX, 2023 The reason I sent the letter was that XXXX verified my accounts and said everything was complete and accurate. So On XX/XX/2023, I sent a letter to XXXX. Here is my tracking number : XXXX XXXX XXXX XXXX XXXX. I requested a full description of how they verified my accounts according to 15 USC 1681i ( 7 ) and they were suppose to provide this within 15 days. I havent received nothing from XXXX. I also noticed they didnt modify or update anything according to 15 USC 1681i ( 5 ). I compared reports and nothing everything is still inaccurate. This doesnt make any sense to me. I am very frustrated Why is XXXX lying?? How can I trust not them? They didnt reinvestigate my accounts. They said everything was modified and updated. I have proof they didnt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
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: Was not notified of investigation status or results

Complaint:
Since XX/XX/2022 I have sent Equifax 4 letters regarding incorrect personal information and identified FCRA Violations and Non METRO2 Compliance. After reviewing my credit report almost 3 months later I became aware that no changes have been made and I have not received any investigation results. According to 15 U.S. Code 1681i Equifax is supposed to delete the disputed items during a full and complete investigation. Equifax violated this federal law. Equifax is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Equifax to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to { {$1000.00} } per violation. Please note that I will not hesitate to file a suit against Equifax for willfully and knowingly violating my consumer rights if this is not rectified within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, they also violated my rights under 15 U.S.C. 1681 sections 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE ITEMS : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$2500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$180.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Inaccurate Name : XXXX XXXX Inaccurate Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2022-04-23
Company: EQUIFAX, INC.
State: OK
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:
In accordance with the Fair Credit Reporting Act, XXXX and Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 U.S.C. 1681 Section 602 A states I have the right to privacy. 

I want the following accounts deleted from my credit report immediately due to violation of my privacy : XXXX XXXX XXXX XXXX, VT XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX account # 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-25
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Today, XX/XX/XXXX, I noted an abnormal charge ( from Experian ) on my bank account for {$21.00}. I called the number associated with the transaction and was advised that on XX/XX/XXXX, I signed up for a 7-day trial credit-monitoring service for {$1.00} which would turn into a recurring {$21.00} monthly charge if I failed to cancel the service before the end of the 7-day trial period. 

I honestly don't remember signing up for this service ; I do, however, remember paying {$1.00} to view my credit score when I requested my credit reports from all three credit agencies ( via XXXX ) at the beginning of the year. Is Experian not required to give me more information surrounding my alleged subscription for this service and the terms I allegedly agreed to? 

I have been charged for this credit-monitoring service for the last five months. During the last five months, I have received zero monthly statements for this bill and zero receipts of payment from Experian. The service representative I spoke to claimed that I should have been aware of these charges because they were showing up in my bank statements. 

Are businesses allowed to pull money, on a recurring basis, from a bank account without notifying the owner of the account? That people are assumed to review their bank account statements is no justification for the business ' failure to provide monthly statements or receipts. XXXX and XXXX are just two of the companies that take recurring payments from my bank account and still have the courtesy of providing me with monthly statements and/or receipts. Is that what notice of a monthly recurring fee is - a courtesy and not one required by any consumer protection statute or regulation?

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 2022-06-21
Company: Experian Information Solutions Inc.
State: MO
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 XXXX Account # 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 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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 inaccurate accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX BANK XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXXXXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2020-01-18
Company: EQUIFAX, INC.
State: NV
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 am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: IL
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 has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs attention in my report : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX  BANK XXXX XXXX Balance : {$570.00} XXXX BANK XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} Medical XXXX Balance : {$320.00} Medical XXXX Balance : {$280.00} Medical XXXX Balance : {$600.00} Medical XXXX Balance : {$100.00} Medical XXXX Balance : {$91.00} Medical XXXX Balance : {$79.00} Medical XXXX Balance : {$61.00}

Company response to consumer: Closed with explanation