BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: WA
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX, XXXX ) along with the Police Report I have filed on my local Police Department. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2016-09-02
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife purchased a condo prior to us meeting and having children, which she used as her primary residence for five years. The mortgage has XXXX separate loans which are serviced ; XXXX an interest bearing note through the bank, the other a XXXX County Housing Authority financed down-payment assistance loan to County-level employees ( my wife was a teacher at XXXX XXXX ). US Bank services both loans. The Occupancy clause of the mortgage note only required 1 year of occupancy as primary residence, which has been satisfied. The down payment loan agreement with the County, separate from the mortgage note, requires the property remain a primary residence. After getting pregnant with our second child, we had outgrown the property and had difficulty with the condo as it is on a second floor. We could not sell the condo as it was seriously underwater, so we continue to make timely payments and rent and maintain the property. The bank has been sending letters threatening foreclosure if we do not reoccupy the property, refinance, or pay-off both of the notes. There is connection in the mortgage note with the Housing Authority loan, and furthermore we have been in continuous and constructive contact with XXXX County officials. They have been aware of our situation and are understanding considering we have been always paying in a promptly manner. XXXX County has indicated that US Bank does not have the authority to enforce terms of the Housing Authority loan, the bank only has authority to service the loan. From our understanding XXXX County is trying to solve the communication situation between the County and the bank. To date, we have received a number of letters, and when we contact US Bank we are provided little to no useful information and have been finding it exceedingly difficult and unnecessarily stressful. We have always paid on time, and felt that renting and maintaining the property was a better option than abandoning the property. We have contact information, as well as numerous correspondences from XXXX County and US Bank if requested. Thank you for your time and assistance.

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 2015-10-05
Company: U.S. BANCORP
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
After 70 years as a business checking customer US Bank closed our account without notice. We operate a small, family run XXXX in XXXX, Oregon. In XXXX, the branch manager informed us that the bank had misplaced our signature cards and they required a new one in order to keep our account in good standing. In reviewing our account, it came to the attention of the bank that we had an ATM on site. US Bank had inquired about ATM activity and asked that we make withdrawals daily when for the last 30+ years we 've been making deposits and withdrawals weekly. It is worth pointing out that our ATM does n't allow deposits. US Bank 's XXXX staff asked us to make cash withdrawals daily instead of weekly. We argued that daily withdrawals do n't fit into our workflow and that we are a low money laundering risk. Upon request, we provided a list of vendors along with a .pdf of our reconciliation paperwork on XXXX XXXX, 2015. In mid XXXX we resubmitted the signature card to the branch, at which time the branch manager informed us that a letter may be sent informing us of our account closure, but to disregard it now that we had everything submitted. The branch manager thought the documentation provided was very clear and precisely what the bank required. On XXXX XXXX, we went and did our deposit and our online bill pay, like normal. On XXXX XXXX, when going in for a change order, we discovered that our payroll account had already been closed and that our other XXXX account were in the process of being closed. US Bank 's XXXX team could not understand the .pdf and neglected to ask for any additional elaboration or clarification. They asked for a spreadsheet which we provided on XXXX XXXX. On XXXX XXXX, we received a check for each of our closed accounts. The branch manager was embarrassed by the actions of his XXXX team and apologized to us. He said he could n't believe this was happening and could n't believe he was suggesting we find another bank. On XXXX XXXX, we established a relationship with XXXX Bank and are now using them as our bank. The actions of US Bank were without warning or merit and were clearly unfair. This feels like a violation of the UDAAP standards. We are a family run business that has a strong history of support in our community. We had bills in transit, were assured that the online bill pay checks were not going to be issued ( but they were issued ), and ended up bouncing several checks since our account was closed without notice or warning. We also have payroll checks that are likely to bounce. We had to reach out to our vendors and employees to explain the situation to them. This is not only embarrassing but it 's a significant reputational risk to our business. We still do n't know the basis of US Bank 's XXXX decision. This is incredibly frustrating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10
Company: Duncan Solutions, lnc.
State: MD
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a XXXX tickets in XX/XX/XXXX that was captured by a camera. I am in the military and I am always on the move. The only way I found out was when it showed up on my credit report as a collection account on XX/XX/XXXX. I had no knowledge of any debt before it went to collection and showed up on my XXXX report. I had no chance to contest my ticket, let alone pay it. Before this, my score was consistently above XXXX FICO

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS say that a Covid related Hardship is honored and can be considered for Assistance from loosing home to foreclosure however when I submitted such information I was denied for assistance with no real detail of why just generic that could not be fact checked.Also the original repayment program I was on I missed two payments out of the 12 due to a Covid related Hardship and the Repayment agreement did not say such could not be considered. When I ask SPS customer service representatives of such they dont have a answer. I even asked if I could get a forbearance for those two months giving circumstances of the hardship in which the to no avail with the SPS customer service rep. I then proceeded to ask for a forbearance for those two months via the SPS representative email in which I got a generic standard email reply to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: U.S. BANCORP
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
For the second time in three months, another customer 's credit card payment was made to my account. Both times I notified Elan Financial Services who issued my card. The first time was resolved after considerable hassle. This second time I still have been unable to return the {$1900.00} incorrectly credited to my account. I have used Elan 's secure message service after I log in - giving the date and amount of the improper credit and stressing that this is the second time this has happened with the first one XX/XX/XXXX being resolved. The response took four days and said, " This issue was resolved XX/XX/XXXX. '' I then called repeatedly and had to wait on hold a long time. The first person I talked to said I should talk to a supervisor, but the supervisor never picked up. I called again, waited on hold a long time, and talked to a friendly, professional young man who said he would have a supervisor call me ; but so far that has n't happened. Someone is wondering what happened to their payment. I 'm trying to give it back, and Elan wo n't take it.

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 2015-06-11
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a modification with US Bank since XXXX. I lost my XXXX job for 120 days in XX/XX/XXXX from XXXX. I tried to send a payment in XXXX and they informed me that i needed to send XXXX payments in so they sent that payment back. i had just went back to my XXXX job. i had also lost my daughters XXXX during the same time so that put me a huge financial bind. they denied me XXXX and gave me several different reasons. 
!. I wasnt unemployed long enough2. i wasnt unemployed at the end of themodification3. did not have enough money ration at the end of the month4. it hadnt been long enough between my last modifcation. I file dchapter XXXX bankruptcy so now my mortgage is going thru the courts which makes it extremly tight with my income and im the only person working in my house of XXXX. i sent in another application on XX/XX/XXXX and had not heard any correspondence from US Bank until XXXX when myself and the housing agency WIN spoke with them. they told me i was missing my tax transscript form and i asked them why wasnt i notified of this in XXXX when i sent in my inofrmation? They told me they could not answer that question. I have NEVER spoken to my relationship manqger at Us Bank regarless of the messages i have left for her. she has not corresponded wiht my lawyer or myself or my WIN agent and we have left several messages for her. Federal regualtions state a mortgage company has 30 DAYS to correspond with you and US Bank is not doing this at all. They told me i could not pay my mortge until i sent XXXX payments in after i was unemployed and told them i had just went back to work so how was i going to do that? So this put me further behind in my mortgage causing all this conflict in which i am going thru now. they sent me another letter on XX/XX/XXXX and stated that my check stub information was not clear in which i sent them. i sent over my information via fax and i malied them hard copies just in case they could not read the documentation and the documentation mailed in was very clear. i feel that they are giving me the runaround and not following federal regualtions to get back with the consumer within a certain amount of time concerning a modification. I dont feel that US Bank is doing their part as far as corresponding with the consumer, the consumers lawyers to rectify the situation that cant potentialy benefit the consumer and their family. a process that should take no longer than 45 days has taken over 4 months with no final outcome.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
My name is XXXX XXXX and we have a first and second mortgage with US Bank. Due a business venture that did n't pan out, we eventually had to file a chapter XXXX bankruptcy with a discharge date of XXXX XXXX, XXXX. 
We were able to get our first mortgage modified after a 3 month pre-trial period in XXXX. The second mortgage was supposed to be modified along with the first but was eventually denied for reasons unknown. 
We decided recently to apply for again for assistance on the second mortgage modification in XXXX of XXXX, and were eventually granted a 3 month pre-trial that finished in XXXX XXXX. Since then however, no permanent modification has been presented even though we continue to make payments for the pre-trial amount. Foreclosure sale dates have been pushed back numerous times as well as this lingers in review. My relationship manager continues to say she is waiting to hear from her supervisor whom is waiting to hear from management on the status of the modification paperwork. We are hoping to have this holding pattern cease and the permanent modification plan to be presented so that we can get this loan fully back on track.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-28
Company: U.S. BANCORP
State: NE
Product: Credit card
Issue: Payoff process

Complaint:
US Bank has a promotional offer on their credit card that provides 0 % interest. If you use more than one of the three checks they provide with this offer, the payments you make are applied only minimum payment to the purchase that is due the soonest and applies the remaining payment to the newest transaction, instead of the one that the promotion will be coming due the soonest. Because of this it forces you to pay the balance completely otherwise you are forced to pay interest, this is completely false advertising. Never seen anything like it. Wanted to file a complaint so no one else falls for 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 2015-10-13
Company: TMX Finance LLC
State: VA
Product: Consumer Loan
Sub-product: Title loan
Issue: Can't contact lender

Complaint:
Went TitleMax in XXXX, VA to inquire about a loan, to simpky get an assessment of how much they might lianThe man I talked to was XXXX XXXX, and told him that I simply wanted an assessment. They said theyTook pictures of the vehicle, extensively, including the VIN number, inside of door, and the tags. I did n't know why that was necessary to just get an assessment. I told him I was n't getting a loan, I just wanted to know how much they would loan me and how much such a loan costs. 
Car is worth about {$3500.00}, but they said they would loan him up to {$2000.00}. 
I only wanted to borrow {$1500.00}, but they needed all my information before they could give me a ball-park of what the loan would cost. 
They made me fill out a piece of paper that I understand I would only borrow what I needed. They took all my information, just for an assessment. After all that, the loan was extremely expense, and they terms seemed ridiculous, so I said I did n't want it. I asked for my paperwork and the pages with my signature, and the guy said he shredded them, but for some reason I did n't believe him. I want to be sure they actually deleted my information, but there was n't anything I could find about how to ensure that. I do n't like that they take your information before giving an assessment or information on what they cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XX/XX/2017 I noticed a delinquent notice on my credit report from TD Bank, statng I was 120 days late on a credit card. I called TD bank and their fraud dept on XX/XX/2017 and again XX/XX/2017. I was told by TD bank agent on XX/XX/2017 that the account was not mine and I was not response for it. I was also told by the TD agent that they would contact all three credit agencies and correct the same and also send me out a letter as to not being responsible for this account as well. As a result of this mistake from TD bank, my FICO score went from a XXXX to a XXXX. Its been over a month and I did receive a letter from TD bank as to this account not being mine nor am I responsible for it but TD bank still has not corrected my credit report of this erroneous delinquent account by removing it, Now, other creditors of mine such as XXXX, XXXX etc. have cut my available credit with them in half as a direct result of this negative reporting by TD bank. This TD accont is a credit card ending in XXXX or XXXX both come up in the credit report and both are the same account. I have tried several times again and again to contact TD banks fraud dept but only each time to be placed on hold for 1 hour and 14 minutes or longer with no one ever picking up the phone. I have also informed experian of the above on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card
Issue: APR or interest rate

Complaint:
I contacted Nordstrom credit to ask for an evaluation of my interest rate. The default rate is 31 % and can be implemented any time a customer falls behind. 
However, I was told that the system would not allow an eval and Nordstrom is unable to do any evals for at least the next few months. I asked if customers lower rate would be retroactive ... I was told they cant even access the tool to determine if a rate adjustment is possible. The agent could not even XXXX me a timeline as to when the system would be working again. 
Why are customers expected to pay extra for months without any way to re-evaluate? If that is the case, Nordstrom should not be allowed to raise interest rates until the entire system is fixed. I was told TD Bank is running the system -- seems strange they can not get things corrected when they are up and running branches and other services every day. 
These default rates are robbery -- but to be forced to continue to pay higher rates with no way to reduce or even be considered..is fraud. If you multiply the extra charges over thousands of customers..it could be substantial profit for the company while being a hardship for people struggling to pay their bills on time and catch up late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
Target is incorrectly reporting the day of first delinquency. They are reporting that the day of first delinquency is the month after I settled the account. Prior to this settlement payment there were no payments payments made and the account was reported delinquent for 7 months. At that point there was an attempt to bring the account current for a minimal payment, but i disagreed with the terms and did not make any more payments. Prior to that the last minimal payment was made 3 months prior in which a minimal compromised payment was made for 3 months. Target has re-aged this account violating 15 U.S.C. 1681c ( 1 ) No where in the act does it state that a debt can be re-aged after a lump sum or payment in full is made. This account was clearly delinquent 7 months, arguably 10 months. The delinquency could even go back further as I started missing payments 6 months earlier XX/XX/2008, They are claimin DOFD as the day after it was settled in full which is not right.

Company response to consumer: Closed with explanation