BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-04
Company: U.S. BANCORP
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I bought a car in XXXX on XX/XX/XXXX as I was living there at the time. US Bank is the lienholder on the car. In early XX/XX/XXXX I moved back to XXXX. My registration on the car came due at the end of XX/XX/XXXX and I tried to get the car registered in XXXX. I made at least XXXX trips to the XXXX over the course of about XXXX months and and spent countless hours on the phone with US Bank trying to get the title information to the XXXX in a form that was acceptable. I was never able to register the car in XXXX. Apparently XXXX is a digital title state and XXXX is a physical title state. While this should not have been much a problem it was a significant and apparently unsurmountable obstacle. First, it took XXXX weeks for US Bank to create a physical title. The first copy they sent to the XXXX XXXX never arrived. The second copy they sent was tracked to a XXXX in XXXX that was hours away from my location. The third time also never arrived. In early XX/XX/XXXX, I moved to XXXX for a job transfer and decided to try to register the car in XXXX to see if it was easier. While XXXX is easier on the XXXX side, the US Bank side continued to be nearly unworkable. XXXX XXXX needs a certified copy of the title and an official letter stating I can register the car. I am on my third attempt to get what I need to register the car from US Bank. The first time a rep handwrote a letter and took a XXXX photocopy of a title that said void all over it. The second time I got a typed letter and the same XXXX photocopy of the title. I am now on the third try with US Bank. In the meantime once my XXXX registration expired. I was never able XXXX XXXX the car as it was unregistered, although I was expected to continue making payments to US Bank. In total I have been paying for a car that I have not been able to register for XXXX years, XXXX months, XXXX days and counting!! How can a bank not know the process and what is needed to legally register their cars?

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 2015-05-27
Company: U.S. BANCORP
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am in the process of having my roof replaced due to weather damage. Part of the process for US Bank Home Mortgage is that I have an inspection before the funds can be released to pay the contractor. I requested an inspection from US Bank Home mortgage on XXXX XXXX, 2015. I was told I would here from the XXXX party contractor within 3 -5 business days. Today is XXXX XXXX and I have yet to year form the contractor. I continue to call US Bank Home mortgage for a solution but they only tell me that a ticket has been placed to escalate the inspection, but I have yet to receive an inspection or a phone call from anyone regarding the inspection. The roof replacement work was completed on XXXX XXXX, 2015. US Bank Home mortgage paid XXXX of the {$3500.00} check they received from the insurance company. this payment was made to the contractor and myself. They have indicated the other funds can not be drawn down until the inspection has been performed and approved. US bank also received an additional check from the insurance company to cover the actual recoverable depreciation. I 've been waiting almost 3 weeks for a contractor to come out. US Bank has done nothing to assist me, other than tell me they are escalating the ticket to have an inspector contact me. I 've been told that several times, but have yet to receive a call. All of the conversations with US bank home mortgage have been initiated by me, I have yet to receive a call from anyone even though I 've been told managers and team leaders would call be back to discuss my issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
In 2010 I was notified by the IRS that someone had filed a fraudulent tax return in my name and received a refund. A police report was filed with the XXXX XXXX Police Department. As a result of this unknown/fraudulent tax liens were placed in my name as well as a BK and other accounts. Equifax removed the information once I supplied them with my police report and other pertinent documentation, however they re- inserted the fraudulent accounts back to my credit write while I was in the middle of applying for a loan. 
I have tried to reach out to them for the past 6 months and the accounts remain on my credit. Once again the fraudulent accounts were removed and re-inserted with out notice!!! The accounts were not MANUFACTORED BY ME!! 
The following accounts were re- inserted to my credit and I would like for them to be re- deleted!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lien XXXX Lien XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: U.S. BANCORP
State: ME
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
US Bank is charging a fee to lessees, in the amount of {$1500.00}, if the consumer elects to exercise their purchase option through a dealer, not directly through US Bank, at the end of their lease. This fee is not disclosed on the Lease contract. The contract does disclose a purchase option fee of {$350.00} which is calculated into the purchase option price. US Bank was a primary lease provider for XXXX for approximately 4 years which exposes many consumers to this extra, hidden fee. I have attached a scan of a contract which does not disclose either the fee or the fact that the consumer can not exercise their purchase option at a local dealer. Circled are the sections related to the end of term purchase. I have contacted the State of Maine Bureau of Consumer Credit Protection who directed me to contact CFPB since US Bank is a federally regulated bank. I hope you can help the many consumers who are currently nearing the end of term on their current US Bank leases.

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 2016-07-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
EQUIFAX REPORTS XXXX, XXXX XXXX XXXX ACCT XXXX ON MY CREDIT REPORT.THE COLLECTION AMOUNT LISTED IS XXXX.THE ACCOUNT WAS SETTLED ON XXXX/XXXX/2016 ( SEE BANK STATEMENT ATTATCHED ) FOR AN AMOUNT IN EXCESS OF XXXX. 
MY REPORT SHOULD INCLUDE THE DATE AND AMOUNT PAID.IN CALIFORNIA ALL COLLECTION FEES IMPOSED THAT WERE NOT DISCLOSED ON ORIGINAL CONTRACT ARE ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed this account and it 's entirety on XXXX different occasions. Once in XX/XX/XXXX and once again in XX/XX/XXXX. I have XXXX different confirmation numbers including the one I listed above and XXXX and both times Equifax confirms that XXXX is reporting the information accurately. The first dispute Equifax replied with a 30 day late payment XX/XX/XXXX, a 60 day late payment XXXX XXXX, a 90 day late payment in XX/XX/XXXX, then 120 day late payment XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the the account charges off " L '' for the months XX/XX/XXXX-XX/XX/XXXX. There is NO PAYMENT HISTORY in between XX/XX/XXXX-XX/XX/XXXX. Then Suddenly XX/XX/XXXX after the charge off status has reported for over a hear, it suddenly begins reporting payment history again of 180 days late XX/XX/XXXX - XX/XX/XXXX.then immediately report the account as a charge off again. ON the second dispute Equifax then verified they were reporting the information correctly, but the added a 180 day late payment in XXXX XXXX as well then began reporting the account again as a charge off. It 's my understanding that once the account has been charged off, unless payments have been made then the account remains as a charge off and ca n't pick up late payments randomly a year after the account has charged off. I also requested payment history from XXXX via certified receipt and at the same time I sent a dispute to Equifax and I never heard anything back from XXXX. This is all illegal and Equifax is allowing information to report verified or not that is common sense that it should n't be reporting. I think it ' ludacrus that I have now spent over 3 months of my life trying to get information corrected and it 's impossible no matter what I try.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: Residential Credit Solutions, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
VETERAN BEING DISPLACED!! 1 ) Purchasing Lender/Servicer Residential Credit Solutions ( RCS ), did not recognize a fully ratified permanent loan modification in force they acquired from XXXX, although provided the requested written, notarized documentation which was requested by lender single point of contact ( SPOC ) : MODIFICATION AGREEMENT INCLUDED OVER XXXX PRINCIPAL REDUCTION!! Client complained to HIP, the Counseling agency and counselor who originally secured the loan modification, and when housing counselor brought the oversight to the attention of Servicer ( RCS ), the SPOC requested the necessary documentation to rectify the situation. The documentation ( copy of notarized agreement ) was provided immediately via overnight mail. We were assured the situation would be rectified. 
2 ) Servicer continued to solicit full mortgage payment from homeowner in writing and verbally, and issuing mortgage delinquency warnings despite the modification in force and would not acknowledge existence of the modification despite homeowner 's repeated efforts at communicating this to serivcer during telephone inquiries, and having provided the written, notarized, ratified agreement delivered to servicer. 3 ) Despite homeowners attempts at reinstatement with large sum payments requested by servicer of {$12000.00}, and {$16000.00} via certified funds, payments were returned to homeowner as insufficient even though these amounts were requested by the servicer, and foreclosure proceedings were continued! 4 ) Homeowner applied for and participated in mediation, by which time they were disqualified from favorable HAMP modification. 5 ) Client reapplied for modification was denied although homeowner 's son living in the property is A VETERAN HAS PLEDGED HIS FULL INCOME XXXX in monthly payment contribution!! 6 ) We are in the appeals period and seeking legal assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I recently had a hard pull from ACS Educational Services , Inc. on my credit report. I am not familiar with ACS Educational Services. I did recently apply for a Direct PLUS loan from XXXX, however I noticed ACS is not a Direct servicer. I tried to call ACS but they only accept calls from current customers, which the system stated I was not. I have filed with the Ombudsman at XXXX as well, but I wanted to file a report here because my grad school financial aid has never heard of ACS Educational Services , Inc. and was not able to verify if they were a Department of Education contractor or not. I am not sure if that hard pull is related to the Direct loan or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my accounts were properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate, how the account opening date is same with the last reporting date & last one is that how you were reporting the balances on collectionclosed accounts?? This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX / XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 2017-01-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
We are in a DESPERATE situation and need help fast please! My wife and I are supposed to close on our new home on Tuesday XXXX/XXXX/17. On Thursday XXXX our mortgage company pulled my credit to submit for final 'clear to close ' to underwriting, and the score was XXXX points lower than it had been before, and no longer eligible for the loan approval. Unbeknownst to us, a cable bill debt that IS NOT VALID and was disputed and DELETED back in XXXX, came back onto my report and tanked my score. I immediately called the collection company, showed them proof of the deletion and they submitted a " manual deletion '' and gave us a deletion number and a letter saying it is deleted. I then called Equifax and gave them the deletion number. They said there is nothing they can do for up to 75 days. We are unable to close on our home until this is GONE from my report and my score returns to normal. Meanwhile we have sold our home and must be out by the end of the week! My family of XXXX with XXXX young children will be homeless unless this is resolved and we can close on our loan. PLEASE HELP US get this error on my report removed!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-14
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax is not properly maintaining the accuracy of my credit report and multiple disputes and a prior complaint to the CFPB has not resolved these issues. In fact it seems the more that I dispute and complain the lower my credit score goes. I am convinced that Equifax is intentionally lowering my credit score as a punitive action to discourage me from disputing inaccuracies and complaining to the CFPB. Currently my Exquifax score is XXXX points lower than my XXXX score and a fill XXXX points lower than my XXXX score. It just seems awful suspicious that my XXXX and XXXX scores ( XXXX recent dispute each ) keeps going up as I work to improve my credit and my Equifax ( XXXX recent disputes and XXXX complaint to the CFPB ) keeps going down. My credit scores effect many different aspects of my financial well being and I find this sort of petty vindictiveness appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email on XX/XX/22 from Bank of America that an account was being opened with my information. I forwarded this email to their fraud department per the instructions online. 

I received another email XX/XX/22 that an account had been successfully opened on Bank of Americas website. I called the BOA phone number and they connected me to the fraud department, who said they couldnt do anything without my full SSN #. I didnt really want to provide it, especially since my information seems to be compromised. They said they couldnt do anything about the fraudulently opened account without it. I dont live near a BOA and do not have the ability to visit a branch. 

I work at a bank and I asked them how someone could open up an account without proof of identity or address. I asked if they required a photo ID or proof of residency, and they said no. I had to prove MY identity, but the fraudster was able to open an account without being asked to prove theirs. They got the account closed after I finally gave them my SSN, but it was all around a poor experience. They didnt flag my information after o forward the first email to the fraud department and someone was able to open an account.

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 2016-10-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The dispute case number attached to this complaint is for Equifax, confirmation # XXXX. I have disputed these unauthorized inquiries with both Equifax and the creditors and each entity has not done anything about removing these unauthorized inquiries. I simply want these unauthorized inquiries removed from my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
UPON HITTING THE FINAL 'SUBMIT ' KEY, THE QUESTIONS TO ESTABLISH MY IDENTITY CAME UP ; I ANSWERED THEM TRUTHFULLY AND WAS TOLD THEY WERE INACCURATE AND I WOULD NEED TO WRITE A SNAIL MAIL LETTER TO CONTINUE IN MY QUEST FOR A FREE ON-LINE CREDIT REPORT ; IF THOSE ANSWERS WERE INCORRECT, SOMEONE HAS USED MY IDENTITY. AS I DID N'T HAVE ANYTHING INACCURATE IN MY SOCIAL SECURITY REPORT, I WAS UNAWARE OF ANY OTHER USAGE OF MY SSN. 
THANK YOU WARMLY IN ADVANCE FOR YOUR ANTICIPATED ASSISTANCE,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
In XXXX XXXX, the XXXX XXXX XXXX XXXX, XXXX. 
Opened an Account at the US Bank to Host a Conference and addeded the XXXX XXXX 's officers as co-signers on the new account. 
We requested at that time to honor only those checkss with XXXX signatures on it. Unfortunately, XXXX of signers opted to act as a long ranger and went to various USBank and branches and withdrew {$10.00}, XXXX during a period of 22 days. No one at US Bank bother to notified any of the other XXXX signatories on the account. We asked why it was allowed, we were told that she is XXXX of the owners on the account. We were also told that 's not their policy to monitor and/or check for XXXX signatures. 
I requested a copy of the original signature card to verify that we requested XXXX signatures on withdrawnals USBank never disclosed to the XXXX originals signers that they could onlyhonor only XXXX signers. Had that disclosed to us initially, we would have opted to go to another banking institution. 
It has been five days since we made a request from USBank to no avail. The only print out we received from USBank was on XXXX/XXXX/XXXX with XXXX XXXX and XXXX XXXX name on it. 
It has been 5 days since we requested the original signature card from US Bank to no avail. 
The only document that was given to me was that of XXXX XXXX, XXXX with XXXX XXXX and XXXX XXXX signature on it and the below resolution on it : Resolution of Non-Profit Association, Lodge, or other Similar Organization ( continued ) Authority to open accounts, make deposits, and withdraw funds ( Must have XXXX signatures to withdraw funds ) - The XXXX XXXX XXXX. 
Point # XXXX : To the extent that they only could produce the authorization of XXXX signatures ( XXXX XXXX & XXXX XXXX ) how could they officially know that XXXX was authorized to withdraw money from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account without any proof on file? 
Point # XXXX : The XXXX XXXX XXXX ) original signatures ' cards not available with XXXX XXXX, XXXX XXXX and XXXX XXXX names on it. Banks should be able to produce the original within hours of customer 's request, if not on the spot. 
XXXX # XXXX : US Bank never disclosed to the original XXXX XXXX XXXX ) signers that they would honor only XXXX signature on checks written. The reason why the XXXX XXXX XXXX XXXX allowed both XXXX XXXX XXXX XXXX XXXX to be authorized to sign jointly with both XXXX XXXX or XXXX XXXX to ensure accountability. 
Point # XXXX : The XXXX XXXX left US Bank On XXXX, XXXX with the impression that No one signature would be allowed to withdraw funds from the bank account that was set-up especially for the XXXX XXXX Conference under the XXXX ( c ) XXXX non-profit belongings to the 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 2022-11-11
Company: Experian Information Solutions Inc.
State: FL
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:
Hey hope all is well I sent the credit Bureaus Multiple letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report is still showing inaccuracies. 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. 

Accounts Disputed Listed Below : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account XXXX XXXX 

XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number 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