BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-27
Company: U.S. BANCORP
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Over 12 years ago I got married and went to my local US Bank branch to change all my accounts from my maiden name to my new married last name, so I thought? 
Apparently they never updated all my accounts I was told because when I recently had a credit check run to purchase a new home. I was told that I had a debt that was being sent to collection against My US Bank Premier Card for over draft protection on my checking account. I called US Bank to find out what was going on and why had they not sent me a bill for my overdraft protection services. After speaking with multiple bankers and spending hours on the phone trying to figure out why I was never sent a bill, we discovered they still had my maiden name on the account. I had not used the overdraft protection for years and yet the Overdraft Protection account was stated on my monthly banking statements that were sent to me my married name every month. I was told by US Bank customer service that they must not have got my address updated 12 years ago to reflect my new married name. So i asked if I could get my name changed so I could get the statements for that Overdraft protection accounts corrected so I would receive the statements. I was told I could not change my last name with the customer service representative, that they had to send me a form out in the mail to do just that. 
Problem being that all my mail is being forwarded to my winter location so that would mean that the form would not get to me because of the name being My maiden name on the mail and not my married name of which all my mail is being forwarded to me by. So I asked can you send the form direct to my winter forwarded address so it will get to me because mail with the incorrect name will not be forwarded to me. They said they could not send me the form so basically they could not correct my name so I could get my statements sent to me with the correct name so I would have been able to get the mail that had been being returned back to them due to incorrect name. I paid the amount I owed them and asked them to close my overdraft protection account because they could not correct my name for future billing statements. I can not believe with all the information on my statement that they could not help me to fix this issue due to US Bank not getting my name changed like I requested 12 years earlier. 


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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 monetary relief
Consumer complaint received 2016-04-25
Company: U.S. BANCORP
State: CT
Product: Credit card
Issue: Transaction issue

Complaint:
A double payment was made to my credit card account in the amount of the outstanding balance resulting in a negative balance. The company was contacted to request refund of balance. I was originally quoted 14 business days for return of payment. After discussion, 3-5 business days was quoted if I could provide proof of the double payments clearing my bank account. Proof was sent within 1 hour of request and the fax was transmitted successfully. 5 business days later, I called and was told that the refund would be sent after 8 business days following the original request. After further questioning, the company agreed to expedite the process, approving payment within 24 to 48 hours ( from the call on the 5th business day ) plus 1 business day for transmittal of payment and then 3-5 business days for my bank to credit the refund. 
In all cases, this will result in refund beyond the requirement within the Truth in Lending Act ( specifically 12 CFR 226.11.a.2 ) to return excess payment WITHIN 7 business days. The credit card company quoted another regulation ( although could n't give me the specific code ) stating they have 7 business days to determine if a refund should be issued. If this is a different interpretation of the same federal code, I feel they are interpreting it incorrectly and to their financial advantage. 
They claim they need to verify the payment has cleared, however, there is a double standard that comes to light. They say they do n't know if the payment has cleared my bank account so they ca n't refund it yet. However, they have no problem showing the payment as credited to my credit card account, presumably before it has cleared my bank account. They ca n't have this both ways. Either it has cleared my bank account or not. If it has, they can credit my credit card account with the payment, if not, they must wait. Therefore, if it is credited to my credit card account, they should be able to issue a refund immediately.

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 2022-04-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, Equifax removed XXXX points from my credit score. The apparent resons were 1 - Inquiry removed 2 - Balance decreased 3 -Payment history changed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Aqua Finance, Inc.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The Complaint is against : Aqua Finance Inc XXXX XXXX XXXX XXXX XXXX
XXXX XXXX, 2017, Balance {$8300.00} Monthly payment {$270.00}.
As of XXXX 2017 develop finance hardship and was able to join a company to consolidate my bills. However, the above company refuse to participate with the consolidation process. With advise through my bank this was the only option best for me at this time. Once the process begin, the above company was not willing to make the adjustments with the new company terms and agreement payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I applied for a loan modification with US Bank and submitted a package to the bank as requested. However, it appears we were " dual tracked '' and a foreclosure proceeding began despite our filing for loss mitigation. A foreclosure was initiated on XX/XX/XXXX2015 despite our submission of loss mitigation paperwork and a subsequent letter for additional information with an XXXX/XXXX/2015 due date. 2 days prior to the said due date for additional information ( which was submitted on XXXX/XXXX/2015 ). A foreclosure complaint was filed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: U.S. BANCORP
State: CO
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I received an offer for a US Bank credit card@14.49 % tied to confirmation code : XXXX. The offer must be accepted by XX/XX/2017. I applied yesterday XX/XX/2017 and the rate jumped to 14.74 % I work in the mortgage business so I would think the code locks me in at the 14.49 % rate and will change based on the Prime Rate after introductory signup. How can my rate change because the Prime Rate went up last week. That is n't stated on my bill. It states APR will vary, but no where does it state that the introductory APR will change based on the Prime Rate or what 's the sense of having a confirmation code locking in a current rate? On top of it when I accepted the card at the 14.74 % the print out stated my rate is 10.74 %. I do n't know what 's going on, but I do n't like the fact of not knowing what percentage my card is tied to and why cant I just get one rate quoted to me like the offer stated. I 'm also reaching out to the Attorney General. At this point I 'm not sure if this is fraud or why is US Bank continuing to change the APR in this case three times??? I feel this is VERY MISLEADING & CONFUSING on a consumer. If my term and conditions state 10.74 % on the accepted card and terms when my card was accepted. I would think that US Bank should be binded and honor their own terms and conditions!

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 2020-08-08
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
An auto loan was sought out by XXXX XXXX XXXX XXXX XXXX for a company car. 

During this process it was made unclear, XXXX XXXX was being added to the loan as a person guarantee. 

Communications during the loan process did not lend to the fact an individual would be tied to the company loan. This was inaccurate and misleading.

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 2015-08-17
Company: Blueshore Recovery
State: NJ
Product: Payday loan
Issue: Can't contact lender

Complaint:
the lender will not stop calling harassing me and my family members this payday loan was from over XXXX years ago I filed a bankruptcy in XXXX 2015 Case Number XXXX that has not been discharged or dismissed it is still active -- XXXX phone number is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: NY
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

XXXX Account XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

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 604 A Section 2. Also states a consumer reporting agency can not furnish an account with out my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
As far back as XX/XX/2021, I've been writing to XXXXXXXX XXXX  for information about this debt with NO response ( see attached letters with fax confirmations ). I even asked the bureau to investigate the account, and they didn't respond to me either. When it comes to collection agencies and credit bureaus... one lies, and the other ones swear by it! XXXX months has been long enough. I want this account deleted!

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 2022-07-27
Company: Experian Information Solutions Inc.
State: AZ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permissionXXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-04-22
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2016-12-12
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I married XXXX on XX/XX/XXXX. On XX/XX/XXXX we went to US Bank and I co-signed a loan for XXXX for {$75000.00} to refinance her house. We separated on XX/XX/XXXX and I moved out of the house. On XX/XX/XXXX, I went to US Bank and requested a print-out of the transactions of the loan. I saw that XXXX had taken out {$55000.00} without my knowledge and I was not contacted from US Bank that she was taking additional money. 
The first withdrawal happened on XX/XX/XXXX for {$25000.00}, and on XX/XX/XXXX she added {$30000.00} to the loan, both of these without my knowledge. 
I told US Bank on XX/XX/XXXX not to allow XXXX to increase the loan for any additional money. It was my money that made all of the payments of this loan. XXXX was not working or bringing in an income from the onset of the loan as she was going to school. 
US Bank had my cell number to contact me at any time ; and on XX/XX/XXXX XXXX from US Bank left me a voice mail saying that they were unable to stop XXXX from taking any more money against the loan. 
On XX/XX/XXXX I returned to US Bank and asked for another printout. It showed that on XX/XX/XXXX she withdrew an additional {$50000.00}. making it a total of {$100000.00}. of additional money XXXX withdrew without my authorization or signature. 
The settlement XXXX and I agreed to when settling our divorce was that I pay her {$78000.00}. and she was required to apply that to the loan so US Bank could rewrite the mortgage and remove my name from the loan. 
I am requesting that US Bank pays me {$100000.00} due to the unauthorized withdrawals that occurred without my signature of the transactions. Also, I want the additional money that I paid due to the interest and increased mortgage payments.

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 2017-11-01
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Please Be advised. Equifax is in breach of the Fair Credit Reporting Act by continuing to keep inaccurate information on my credit report. I have disputed the inaccurate personal information several times yet no changes have been made to my report. Equifax even notified me that the information had been deleted, yet it remains on my credit report which means Equifax is knowingly continuing to report false information. On XXXX XXXX, XXXX Equifax sent me an investigation result stating the inaccurate address have been deleted. On XXXX XXXX, XXXX I pulled my Equifax credit report and the inaccurat information is still harming my credit report. Despite confirming to me in writing that the information was deleted Equifax insists on violating federal law. This is a clear violation of the Fair Credit Reporting Act, and exemplifies open willful neglect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, 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, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/2021 -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: AZ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permissionXXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-04-22
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My vehicle was repossessed in XX/XX/XXXX when I was advised a few days prior to make a payment to keep my account in good standings and I did that. They then repossessed it on a Friday but we picked it back up on a Tuesday morning. I contacted them to pull the recorded phone call in which they declined to do. Its caused an impact to my credit score in which I can not obtain credits or even trade the vehicle in. Ive been unable to work at times due to the vehicle being in the shop such as XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, & now again XX/XX/XXXX. Advised this to the financing company even reached out to a lawyer for lemon law to discuss since this vehicle has so many engine issues and if I dont work I dont get paid. They wont help me at all.

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