BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-12
Company: U.S. BANCORP
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Dear US Bank, After exhausting all reasonable avenues for resolution within your customer service channels, XXXX  and CFPB, I am formally requesting arbitration to seek a fair and expeditious settlement. 

Specific Issues and Potential Violations : Over the past several months, I have encountered the following significant problems with my account : Non-receipt of a replacement debit card : Despite repeated requests and assurances, I have not received a replacement debit card, causing significant inconvenience and hindering my ability to access my funds. This constitute a violation of the Electronic Funds Transfer ( EFT ) Act, which requires financial institutions to conduct electronic fund transfers in a timely and accurate manner. 

Unexplained closure of my account : Without prior notice or explanation, my account was abruptly closed, effectively limiting my access to my own funds. This action potentially violates the Fair Credit Reporting Act ( FCRA ), which imposes specific requirements on banks before taking adverse actions against a customer 's account. 

Lack of transparency and unresponsive customer service : Despite numerous attempts to resolve these issues through customer service channels, I have been met with inadequate responses, transfers between representatives, and a persistent lack of clarity regarding the reasons behind the account closure and ongoing review. This lack of transparency may violate the Fair Debt Collection Practices Act ( FDCPA ), which requires creditors to communicate fairly and accurately with consumers. 

Fair Credit Reporting Act ( FCRA ) : The FCRA does indeed regulate how banks and other entities use and report credit information. Before taking adverse actions based on information in a consumer report ( such as closing an account ), the bank must provide the consumer with a notice, including the specific information upon which the adverse action is based. The consumer has the right to review and dispute this information. 

State Laws : These laws vary by state but may prohibit unfair or deceptive practices, ensuring that banks follow proper procedures and provide consumers with notice before closing 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 2023-08-15
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have submitted the documents to the credit collection agency. These are now showing up again through a different agency as of recent. These accounts were reported as fraud during the years of XXXX. I have also submitted a police report to the companies. Along with attached documents Ive submitted on this website. I have tried reaching out to XXXX and XXXX in regard to this matter. 
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 XXXXXX/XX/XXXX Amount : {$1300.00}. 

I have reached out to all the agencies and tried to explain I have submitted disputes for years now along with police reports. They need to be removed immediately. They are hindering my credit and keep harassing me knowing that my identity was stolen in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
One company said my address was not a match when in fact my current and previous address was direct from my statements. If my landlords an myself don't know where I live then I guess that I'm in a XXXX of a mess. Another company appears to have trick questions about my past mortgage. Another company said That I already had my free report, but since I live in Georgia I get TWO free reports. Nowhere to address this problem. This is insanity. They can't protect my info when they can't even keep up with where I live. Besides, IT'S MY REPORT.. MY INFORMATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been the victim of theft by a contractor, XXXX XXXXXXXX XXXX, who took my deposit of ~ {$60000.00} and did not perform any work. The company manager, XXXX XXXX XXXX, cashed my checks into his company 's 5/3 Bank checking account ( # XXXX ). The account is being used for theft by deception and money laundering. I have spoken with multiple other families who are also filing complaints. The total stolen between the 7 families have been around 500k. I have contacted 5/3 Bank, but we were told that there is nothing that 5/3 Bank can do. They disconnected the call when I asked if they could at least freeze the checking account to prevent these criminals from accessing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with a fraudulent collection and fraudulent unauthorized inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX ACC # XXXX, Account name : XXXX XXXX XXXX ACC # XXXX, Account name : XXXX XXXX XXXX ACC # XXXX, Account name : XXXX XXXX XXXX ACC # 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Two weeks ago, we applied a checking account on Capital One 's website. However, Capital One rejected our application even though our credit score are excellent. The representative find out the note stating " we don't do business with you '' as the reason. 

This revelation left us feeling deeply discriminated against and concerned about potential bias. 

We strongly believe in the principles of fair treatment and respect for all customers, regardless of their background or circumstances. 

The representative recommended that we write to Capital One 's CEO to address this issue further. We kindly request your intervention to investigate this matter thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was left a phone message indicating I have to call Bank of America back urgently! The phone number was XXXX to speak to XXXX. She didnt even know why she had left a message. She kept harassing me about my personal information. She was mad That I didnt want to give my personal information and social security number. Finally she indicated something about a car loan. I dont even have a car. Bank of America should stop scamming people. This fraud, Harassing people of car loans when they take public transit.

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 2019-06-20
Company: ONLINE Information Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I moved out of an Apt . complex back in XX/XX/XXXX. I left a forwarding address with the company to contact me if needed. I just received a Notice of Debt in XX/XX/XXXX regarding monies supposedly owed, without a detailed explanation of why they money is/was owed. This has now affected my credit score. I was not given the option of making payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 company provide a debt validation response. I am not disputing the debt. My dispute is that I do not owe for the debt. Discover took my original application and securitized the application. They then took the XXXX  number created to trade my application on the secondary market. The law states that they are to take 20 % and I am to be paid the remaining 80 %. However I have not received any proceeds. They turned my application into commercial paper. 

Additionally they are making claims that are illegal. It is illegal to deny the payment coupon as a form of a payment as it is a negotiable instrument per UCC 3-104. Discover also requested I include a check with the coupon which again is illegal as they can not request payment to be made with floating rate notes. 

They are refusing to return the floating rate notes I paid while I was unaware of this information. And have advised they charged off the account as a loss, when in fact they have not experienced a loss because they are still trading my application on the secondary marketing and receiving benefit. 

They are committing securities fraud and have refused to correct their fraud. 
They did not provide proper disclosure as no where in their cardmember agreement states they are using commercial paper nor does it speak about them turning their applications or the floating rate notes into securities to be traded on the secondary market. 

At this time, Discover is committing Tier 2 Federal Reserve Act offense which is punishable as {$25000.00} per day that my issue is not resolved. 

They are failing to perform their fiduciary duty.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: AXOS FINANCIAL, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was placed in restricted status on XX/XX/XXXX because I apparenty had to verify ownership of an external account I tried to add. I can not make any deposits or withdrawals from the account, yet the bank only claimed that " Any transfers scheduled from the account ( s ) listed above have been canceled until our verification process is complete '' which does not say that my account would be restricted. There is no reason why my entire account should be locked just because I tried to add an external account. I submitted documents showing I owned the external account on XX/XX/XXXX. The bank has refused to currently unlock my account despite repeated calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Financial Business and Consumer Solutions.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I received a phone call from FBCS , Inc who stated XXXX XXXX sold my debt on behalf of Avant. In this recorded call the woman told me I can pay in 12 month increments to satisfy the debt. I told her I didnt know XXXX XXXX XXXX my debt since Ive received no correspondence and asked her to send me a written statement to my home address. She began yelling over the phone asking me when I was going to pay the money like I owed it to her. I again told her to send me a letter to my home verifying the debt and the offer to pay over time. She still yelled and asked when I was going to pay. I have blocked them and they better not reach out again. She was disrespectful and disgusting. Id like them to send mailed correspondence from now on with that attitude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: VA
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Delete From My CREDIT REPORT 2.there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete From My CREDIT REPORT 7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL 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 2021-12-24
Company: GreenSky, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I obtained a loan for 0 % interest in XX/XX/2020 for 1650dollars for 12months and payed it off in 8 months. I sent in finance charges monthly for 8 months. The loan was 0 % .The company changed the amount to {$1800.00} after I sent them 1650.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Experian Information Solutions Inc.
State: CA
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:
Someone fraudulently switched the title/ownership to a vehicle I had and repossessed it back in XX/XX/2017. The DMV investigated and prosecuted this person, I never got the car back although DMV was aware that fraud was committed and I had nothing to do with it. This vehicle is being reported on my credit as a charge off with numerous late payments however I have provided the furnisher as well as All 3 credit bureaus with over 10 certified documents from the DMV showing the day the title was transferred, who actually did it, the new title to the car once it was done and an investigation report. I mailed these documents in and Ive spoken with several representatives over the phone. The furnisher is still not removing this account from my credit report nor are the credit bureaus when it was clearly fraudulently taken from me and was not a charge off, XXXX XXXX  has been aware of this incident since XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting 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 are inquires on my credit report that isn't attached to an open account.

15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
The term consumer means an individual. 
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Bright Capital Inc
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
Since signing up with XXXX XXXX, on XX/XX/2023 there have been XXXX individual withdraws from my checking account. 

In XX/XX/2023, I lost access to the app. This prevented me from accessing my funds, accessing my account, and controlling my withdrawals with XXXX XXXX. Despite losing access to the app, money continued to be withdrawn. 

On XX/XX/2023, I email support at Bright Money with the following email : " Hello, I am unable to access the Bright Money App on my phone. Every time I open it it prompts a white screen then closes the app immediately. I've tried updating the app, and still no luck. Money is continuously being deducted from my accounts and I'm concerned about my inability to access any information. 

Please advise! 

Thank you, XXXX '' I sent an attached video exemplifying the issue and was told " We have raised this issue to the concerned team and will get back with an update on this in the next XXXX hours. '' After not hearing a response during that time frame, I followed up on XX/XX/2023, asking for an update. XXXX XXXX 's response : " Please be informed, our team is still working on your query and we will get back to you with an update as soon as possible. ". 

I sent another follow-up email on XX/XX/2023 reading : " Hello, Its been over a week since Ive submitted my issue. XXXX XXXX continues to withdraw from my account and I have no access to them. 

Please stop all withdrawals until someone is able to support me with app access. 

Thank you. 
XXXX '' ... and received no response. Again, I emailed on XX/XX/2023, and again, no response. 

During this time, money continues to be withdrawn from my checking account and I continue to have no access to the XXXX XXXX app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Collections Acquisition Company, Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Payliance send me a bill for {$530.00} that I owe XXXX I have never been on this site.

Company response to consumer: Closed with explanation