BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2022 US Bank received my check for the amount of {$25000.00}, cashed my check and never applied the check to my auto loan balance. After I received notification that my check was cashed I called US Bank and they assured me that they were doing some calculations to apply the amount to the outstanding balance. After about 15 days I received a cashier 's check from US Bank for the same {$25000.00} XXXX sent to them. I called them and was told that since my balance was lower than {$25000.00} they refunded me the check. I tried to cash the check but they had put a stop payment to the check. I called them and was informed that they would send a new check without explanation why they had put a stop-payment. I have not received the check from them since XXXX. In the mean time I have my auto loan with them for which they charge me {$1200.00} interest every month. So my money is sitting with them without gaining interest but their money gains them {$1200.00} every month. I have been calling them from XXXX on and it seems like I am dealing with a XXXX XXXXXXXX XXXX  bank. I have never seen a bank this incompetent and unorganized. One telephone number to call for all your US Bank needs, and no one knows what is going on, except for the manager will call me. No check, no phone calls only my payments to them for the loan that must have long been paid off.

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 2022-08-24
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-30
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Balance Owed : {$6100.00} XXXX Balance Owed : {$2700.00} XXXX  XXXX Balance Owed : $ XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: AMERICAN HONDA FINANCE CORP
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:
XX/XX/2022 I reached out in regards to his complaint multiple times with this company and have yet to remove any items on my credit report. Per 15 USC 6801-6805 I can opt out, especially if I did not have clear disclosure to reporting and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. I also included everything down below in the letter explaining my concerns. You all have violated my privacy and my personal information and must do whats right to the consumer upon request. Thank you, see attachments below sent off the following credit bureaus please remove me from all credit reporting agencies and update my report properly. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
NO KNOWLEDGE OF THIS ACCOUNT, WHO HAS A XXXX DOLLAR BILL THATS LATE FOR 4 MONTHS, MY IDENTITY HAS BEEN COMPROMISED WHILE I WAS SICK WITH COVID FOR A YEA R

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 2021-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
1 ) First, on XX/XX/XXXX I attempt to cancel my checking account with Bank of America. I was informed that in order to close the account my balance needed to be exactly XXXX. This was expressed to me while my account was above XXXX balance. I was then told that I needed to remove the money from the account myself in order to have a XXXX  balance. 
2 ) As a consequence of this, there were multiple times when I attempted to get my account to exactly XXXX  balance without success. There were multiple fees placed on my account totalling hundreds of dollars. I was using another account to deposit money in my BoA account to attempt to restore my balance back to XXXX. However, outside bank deposits take multiple days to show up. Essentially making it impossible for me to achieve a XXXX  balance unless the funds were placed there by another BoA account. 
3 ) I called bank of America one last time today, XX/XX/XXXX in order to ask about removing these fees and to cancel my account. The agent said there was nothing to be done about the fees. She then proceeded to close the account as I was able to coordinate a wire from another BoA account holder. I asked to speak to her manager who, frustratingly said she could not refund these hundreds of bank imposed fees specifically due to having my account closed, something the previous agent did not tell me. This agent also confirmed that the information given to me by a the first agent, that I could not cancel an account if it was not exactly XXXX balance, was incorrect.

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 2022-08-02
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the American Express Platinum Card. I was denied credit. I sent them a response letter on XX/XX/2022. They responded on XX/XX/2022 stating that would not open the account. The reference number is XXXX " I know credit is my right according to 15 usc 1602f credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer it payment. I am a creditor, which is a person who regularly extends credit ( 15 usc 1602g ), therefore, i credited this transaction so i cant be denied. I credited this transaction so how can you deny me. The determination was unfavorable to me which is why it is adverse. Nothing under adverse action ( 15 usc 1681 ) gives you the right to deny me. I credited this transaction as a creditor from my credit card. A credit card is any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit, ( 15 usc 1602l ). You have committed a crime on my behalf because I extended you credit, you received it and I didn't benefit from it ; that's called unauthorized use. According to 15 usc 1602p, unauthorized use is a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. According to the Equal Credit Opportunity Act, 15 usc 1691, ( a ) activities constituting discrimination, It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction -- ( 3 ) because the applicant has in good faith exercised any right under this chapter. The right that i exercised was my right to credit ( 15 usc 1602f ) and that is also why you are discriminating against me because you aren't allowing me to exercise my right. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Capital Accounts, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a " Satisfy in Full Offer '' letter in the mail from Capital Accounts , LLC, on XX/XX/2022 letter dated XX/XX/2022, on behalf of XXXX XXXX XXXX XXXX XXXX for a total sum of {$9900.00}, satisfy in full price of {$5900.00}. There is no other information on this letter. There is no other information on this letter. No mention of what services or goods this is in regard to, or when it was turned over to collections. I have checked my credit ratings I do not show any outstanding debt to this company. I have never used their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: EQUIFAX, INC.
State: MD
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:
Equifax continues to have a fraudulent business account from Jpm chase bank on my personal credit profile. I have tried to have them correct it, but they refused to remove it without a valid explanation. 

Equifax also have a wrong address on my credit report. They Also have not corrected that error also. 

Equifax also allows companies to run my credit without proper authorization, and also refuses to removed them. They are the ones also responsible for the breach of my credit from years ago and no resolution have been made to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
State: OH
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:
( DISPUTE CODE - 103 ) ( DISPUTE CODE - 104 ) My personal information was stolen and used for fraudulent activities in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts reporting on my consumer credit profile. Ive attached a police report pertaining to the incident for reference. In accordance with the Fair Credit Reporting Act multiple unauthorized inquiries and accounts have been found on my credit report. Please immediately delete and remove all inaccurate or fraudulent accounts or inquiries I have listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 handwritten instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-11-27
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
debt reporting is invalid please remove immediately. Please send all ORIGINAL CONTRACTS and documents associated with that debt to validate it/DEBT VERIFICATION.

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 2022-10-23
Company: EQUIFAX, INC.
State: OH
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:
( DISPUTE CODE - 103 ) ( DISPUTE CODE - 104 ) My personal information was stolen and used for fraudulent activities in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts reporting on my consumer credit profile. Ive attached a police report pertaining to the incident for reference. In accordance with the Fair Credit Reporting Act multiple unauthorized inquiries and accounts have been found on my credit report. Please immediately delete and remove all inaccurate or fraudulent accounts or inquiries I have listed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 handwritten instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : Regarding the above-listed account, I am writing this letter to offer you the opportunity to settle the alleged amount owed to our mutual benefit. Kindly note that I do not acknowledge any liability for this alleged debt in any form, and I retain my right to request full and complete debt validation from your company.

However, I am willing to pay off a portion of this account as a show of goodwill under the following conditions : Your company will delete all references to this account from my credit report at the three credit reporting agencies ( XXXX, XXXX, and XXXX ). 
You will not list this debt as a settled account. 
Your company will accept this payment to satisfy the debt in full. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to outside third parties. 
If you agree to these terms, I will : Pay the amount of {$250.00} via money order or certified cashiers check Please understand that this is not a renewed promise to pay. This is a restricted settlement offer, and you must agree to the terms above for payment to be made. I require your written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements. 
The terms of this offer will expire after 30 days. I look forward to your prompt and positive response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of america is a serial repeat offender of violating laws and regulations. 

I have unauthorized transfers from fraud totaling over {$130000.00} between 3 claims. 

Bank of america has promised provisional credit numerous times on recorded calls and over 8 reps have lied. They do not follow regulation E, XXXX, or any laws and regulations. 

there is thousands of reviews on numerous complaint forums of bank of america greedily, intentionally, willfully denying or delaying valid claims with their only interest is keeping money and not providing relief under XXXX, REG E, ZERO FRAUD LIABILITY. 

I have escalated this to a senior vice president, who has been helpful. He assigned it to escalations team who promised to call me tuesday morning and of course, yet again lied. 

I'm out significant money due to bank of america refusing to follow laws and regulations even when being reported within the time frame provided under law. 

Some of the stuff, they refuse to even open a valid claim, refuse to provide a claim number, just repeatedely saying they working on it. That is highly illegal and is an attempt to run out the clock and wash their hands of their legal liability

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: CA
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:
Response has not been received for investigation that yoo received on XX/XX/22 Tracking number XXXX XXXX This has been over 40 days and deletion is now required. No proof that I owe this was supplied to me and must be in this timeframe. Signature and contract must be supplied upon request to verify debt and nothing has been provided.

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 2022-10-23
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/XXXX there was fraudulent activity made on my Discover card totaling approximately {$6800.00}. I hadn't used my Discover card for a few months so when I received my billing statement in XX/XX/XXXX I discovered the fraudulent charges I called Discover and the representative told me that Discover would initiate a fraud investigation and they would transfer the funds back into my account pending the conclusion of the investigation at the conclusion of their investigation they transferred my funds out of my XXXX XXXX  account. I asked the representative to place my account on a hold so that no further fraudulent activity would occur. I assumed that the hold would stay in effect until I activated the card some how the card was activated and a additional approximately {$8000.00}. I've been trying to recover since my money since XX/XX/XXXX, Discover refuses to return my funds I've been unable to resolve the fraudulent charges and recover my money. Discover advertises " if you didn't make the charge you don't have to pay '' I feel that I have cooperated with Discover in every way that I can but Discover is unwilling to honor their pledge 'if you don't make the charges you don't have to pay '

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  XXXXXXXX XXXX XXXX  account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation