BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
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:
In accordance with the Fair Credit Reporting act the following collectors, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2020-01-27
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: Their investigation did not fix an error on your report

Complaint:
I have files numerous disputes and disputes by mail and online disputes about an account by the name of XXXX XXXX XXXX. This account is being reported on two of my credit bureau reports XXXX and experian. This account must be deleted as this does not belong to me and they have failed to investigate properly and have not followed protocol. I have also asked them multiple times to investigate and this account always comes back as verified with no information as to how they verified.

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 2021-07-14
Company: AXOS FINANCIAL, INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I received a phone call from XXXX XXXX XXXX XXXX at XXXX EST. The caller ID showed XXXX, CA as the location. I was greeted by a woman with a slight accent claiming to be an officer for the Social Security Admin office. She asked if my name was XXXX XXXX  and if the last 4 of my SSN was XXXX, I responded yes. She said her name was Officer XXXX XXXX, badge number XXXX, and was calling in regards to case ID : XXXX. 

She proceeded to tell me there was an arrest warrant out for me, that they had discovered an abandoned car in the XXXX XXXX of Texas containing XXXX of XXXX and XXXX. With information from the vehicle, they tied it to my social security number and stated there were 20 bank accounts with multiple illegal wire transfers using my SSN. 

She said she was going to help me suspend my SSN and cancel the warrant, then have an officer come to my location or set an appointment at my nearest office to help clear the fraud. I asked if she could confirm my full SSN, and she did.

Because my " 20 '' bank accounts were to be frozen, she asked me to tell her which ones I needed. I told her I was uncomfortable giving that information over the phone. She then asked me to at least confirm the amount I had in an account ending with a specific 4 digits she gave me. Those 4 digits matched an online savings account I had. I asked if she could give me the full account number of the account ; she proceeded to do so. 

I told her I was uncomfortable providing the amount over the phone. She asked what else she could do to help me feel more secure, so I asked if I could look up the arrest warrant online. She said yes, but that I would have to stay on the phone with her. I agreed, then she asked me to confirm the amount in my account. I said I wanted her to show me the arrest warrant first, to which she told me to hold. She hung up the phone seconds after. 

I immediately called the bank ( AXOS ) and had that account frozen, telling them it had been compromised. Early that morning, I had initiated a transfer from that account to a new bank XXXX XXXX XXXX XXXX XXXX XXXX ) account I opened the day before. I asked if AXOS could cancel the transfer, they said they could not as it was already pending. 

I called the new bank ( XXXX  ) where the money was being transferred to so they could reject it ; their office was closed. I sent an email to the Office Manager who had emailed me the day before to confirm details. 

I called the Social Security Administration to report the fraud, but they were also closed. I submitted a form on their website with the Office of The Inspector General. 

I pulled 3 credit reports from XXXX ; all seems fine. 

I called my local police station and filed a report ; case # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was forced to stop payment on a lost check and the Bank of America charged me {$30.00} to stop payment on this ch

eck for {$50.00}! That is patently unfair! Furthermore, there is apparently no one in charge as manager at the branch
office of the Bank of America, XXXX XXXX XXXX, XXXX, New Jersey XXXX. 

I have written more than half a dozen letters and emails to the branch manager but there has been absolutely no reply!

The branch manager has yet to reverse two {$35.00} charges for overpayment EVEN THOUGH I HAVE OVERDRAFT PROTECTION!

A most shoddy and dishonorable bank!

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 2020-07-03
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The same Fraud Department that investigated & Confirmed UNAUTHORIZED TRANSACTIONS XX/XX/XXXX {$470.00} ALSO CONFIRMS NO FRAUDULENT ACTIVITY XX/XX/XXXX AND COLLECTS ON FRAUD. See attatched XX/XX/XXXX XXXX CREDIT   CARD FRAUD CLAIM LETTER Claim date XX/XX/XXXX **** AFTER INVESTIGATION which took a year to Complete *** UNAUTHORIZED TRANSACTIONS CONFIRMED in amount of {$470.00}. Futhermore XXXX out sources Fraud. Consumer never able to speak directly to decision makers. They are kept hidden. A different source than XXXX MUST CALL CONSUMERS BACK ON PHONE FOR RESOLVE and they have not called me to resolve in two years. Futhermore : XXXX has Not RESOLVED FRAUD ON THIS ACCOUNT OR Provided Permanet Fraud Credits & COLLECTS ON this ID THEFT case XXXX See Attatched XXXX REVIEW OF THIS CLAIM IS COMPLETE XX/XX/XXXX NO FRAUDULENT ACTIVITY IS FOUND?? The same department consumers unable to contact Confirmed UNAUTHORIZED TRANSACTIONS & Confirmed NO FRAUDULENT ACTIVITY SO XXXX NEVER PROVIDED FRAUD CREDITS. I have been held liable for this UNRESOLVED FRAUD Since XX/XX/XXXX. XXXX DOES NOT RESOLVE FRAUD. ** And I discovered ** I did Not Open this credit card account XX/XX/XXXX, XXXX was opened FRAUDULENTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates failed to provide proof of authority to validate the alleged debt, despite a written request I sent on XX/XX/2021, to produce for my inspection upon demand as required by law, the original ( wet signature ) contract and agreement as evidence that they are, in fact, the holder in due course of the purported debt obligation. I have never entered into any agreement with or had any consumer transactions with Portfolio ; therefore, they are illegally trying to collect money I do not owe them because I am the original creditor. They also willfully committed fraud and identity theft by obtaining ( 8 ) credit card statements to show as proof of a consumer contract eight times. According to 18 USC 1028 ( a ) ) ( 1 ) Identity theft means a fraud was committed or attempted using the identifying information of another person without authority. I never gave Portfolio Recovery Associates, or it is affiliates permission or authority to obtain any IDENTIFYING INFORMATION regarding myself.

Pursuant to 15 USC 1692 ( e ) ) ( 10 ) a debt collector may not use any false, deceptive, or
misleading representation or means in connection with the collection of any debt. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Portfolio Recovery Associates on XX/XX/2021, sent a written correspondence to me trying to obtain my identifying information, which is a violation by law. I believe there is no proof to the contrary.

Pursuant to 15 USC 1692 ( d ) ) ( 5 ) causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number is a violation.

Pursuant to 15 USC 6801 ( b ) ) ( 3 ) protection of nonpublic personal information by Portfolio Recovery Associates was violated when they shared my location information with a third-party company. 

On XX/XX/2021, I sent a cease & desist letter, an affidavit of truth and an invoice to Portfolio Recovery headquarters. Unfortunately, they have yet to resolve this issue or compensate me for all the violations noted above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: PLS GROUP, INC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was in XXXX  when someone gained access to my account. I am a XXXX XXXX veteran XXXX and my direct deposit was going to PLS checking cashing via xpectations card. I was in XXXX  for 8 months and each month my money was withdrew. When i got out and discovered this i complained and made a dispute. Xpectations dispute team said the see no error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
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: Information belongs to someone else

Complaint:
XX/XX/XXXX, A FAX AND LETTER WAS SENT TO VALIDATE THE THE ACCURACY OF A CHARGED OFF ACCT LISTED ON MY CREDIT REPORT FROM XXXX XXXX XXXX XXXX NOW, I REQUESTED THAT I BE PROVIDED WITH INFORMATION AND COPIES BE SENT TO ME THAT WAS USED TO VALIDATE NOT VERIFY THAT THE DEBT WAS OWED BY ME TH THE ABOVE COMPANY SUPPLIED THE REPORTING AGENCY WHEN LISTING THE ACCT ON MY REPORT. PAYMENT HISTORY IS NOT A PROPER FORM OF VALIDATION AND THERE IN VIOLATION OF THE FCRA. XX/XX/XXXX A FOLLOW UP VALIDATION LETTER WAS SENT OUT TO RESOVE THE ISSUE THAT THEY ARE STILL TARNISHING MY NAME AND REPORTING INACCURACIES, I WOULD LIKE THIS MATTER RESOLVED AS SOON AS POSSIBLE BEFORE I HAVE TO TAKE LEGAL ACTIONS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  and Transunion have both been sent 4 disputes on account that is reporting " derogatory '' that is paid and no history of being derogatory. Ive attached the 4th letter I sent to transunion and the copy of the credit report.

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 2021-08-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
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:
On Saturday, XX/XX/2021, my Master Card with Fifth Third Bank was fraudulently charged for {$340.00} for an automobile insurance policy with XXXX XXXX XXXX by a third party without my knowledge or permission. This charge posted to my account on XX/XX/2021. I had provided my credit card information over the phone to this third party merchant for a {$20.00} charge for a totally different product from them. Instead of using the credit card for the permitted {$20.00} charge from them, apparently the third party fraudulently used my credit card information to purchase the {$340.00} insurance policy from The XXXX XXXX XXXX. At no time did I ever have any intention of buying anything from XXXX XXXX, nor did I ever have a conversation with anyone at XXXX. 

The fist I knew about this situation was when I received my monthly statement in XXXX, XXXX showing this fraudulent charge. I immediately disputed the charge. Since then, I have talked to numerous people at Fifth Third, wrote numerous letters and e-mails, and have been given the runaround and taken completely in circles. They continually kept asking for receipts and documentation. I told them repeatedly there are NO receipts or documents, as I NEVER agreed to this purchase at all, hence NO receipt! 

Fifth Third arbitrarily, with NO input from me, or notice, told me they would not grant my dispute and the only way I could re-open it would be to submit receipts, which NEVER existed! I have had a branch manager named XXXX at Fifth Third in XXXX, NC ( her phone number is XXXX ) try to intervene and help me. She has become just as frustrated as I have. She tells me the people in the Fraud and Disputes Departments are giving her the runaround and won't even tell her why they decided the dispute against me! I really need some outside help with this as now I have been charged {$340.00} fraudulently for a product I never wanted nor agreed to buy. Thank you. 

NOTE : The original card this was charged to ended in XXXX. This account was updated to the current account ending in XXXX due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: Experian Information Solutions Inc.
State: CT
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:
unlawfully add inquiry to my report and offending my score

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 2020-05-11
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2020, I sent a certified letter to Equifax asking them to close the open dispute as well as delete all notes regarding the open dispute with XXXX XXXX XXXX since I was able to get a settlement agreement with them. I sent another letter to them overnight via USPS on XX/XX/2020 and again on XX/XX/2020 via fax communication from XXXX XXXX. I have receipts and signed certified card with date stamp. I called this morning once again and asked for a manager then was immediately transfered to an automated line. I called a few more times and reach an individual from what sounds like XXXX. He said they do not have my mail that they signed for on XX/XX/2020. Nor did he have the mail I sent over night via usps. I desperately need this dispute closed. I can not close on my first home until this is taken care of. I've even sent them proof of the settlement with the creditor. I need urgent help please!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Experian Information Solutions Inc.
State: OR
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:
For a number of years if requested to have a long closed credit account reflected as such on my report. Until a month ago this account was still being reported as open despite being closed in good standing in XX/XX/XXXX! I placed a dispute with Experian two months ago. The result from that dispute was that the account ( XXXX  XXXX XXXX ) was removed from my report instead of being reported as simply closed in good standing. The affect of this change resulted in the average age of accounts to plummet, along with my FICO score from XXXX XXXX! Two outcomes would have changed this outcome : ( 1 ) if XXXX  XXXX XXXX and Experian had changed the status years ago, I wouldnt have a lowered score, and ( 2 ), if Experian had reflected the account as closed in good standing instead of removing it from my report my score would be higher

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 2021-07-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened the HSBC Premier Checking account on XX/XX/2021 via the promotion link similar to this one : XXXX : XXXX XXXX XXXX  On the page, they specify that I can " Enjoy 3 % Cash Bonus, up to {$600.00}, on Qualifying Direct Deposits, up to {$100.00} per month, during the first 6 calendar months after account opening ''. 

Then I do set up my direct deposit using my salary payroll. From the terms " The 6 calendar months from account opening begins with the first full calendar month after your Premier checking account is opened. ", four full months have passed, each month there are {$5000.00} direct deposit into the checking account, but I got no bonus. 

And the customer service told me that I am not enrolled in that promotion, which sounds like a scam. I suspect this may be caused by their identity verification process after my account application is submitted. They might open my account in another way after the verification and my campaign bonus was not tracked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The problem is had a car that me and ex got I got put in hospital and my ex left with someone else and took the vehicle with him and was 6 months behind so I called the bank to see if they could help get the vehicle since he was behind and they told me theres nothing they could do about it but yet they kept calling me about payments and thats cause my ex told them he had the vehicle and the was gon na make the payments on it Ive tried numerous times and the refused

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: CarMax, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2021, I went to CarMax.com and filled out a pre-approval application for a car. CarMax asked me for my Social Security number ( my credit card number thats connected to an open-end credit plan ) and later on that same day, I was sent an email stating we were unable to approve you for the amount requested. Pursuant to 15 USC 1602 I am the natural person, credit means the right granted, the original creditor, the consumer, and the term credit card means ANY card, etc. One card in particular is my social security card. Meaning, I typed in my social security number into Carmaxs website and was denied. Pursuant to Truth in Lending I am the original creditor and that means I am the only one who can extend the credit back to myself because i am the consumer, original creditor, and natural person. On XX/XX/2021, i left a review and someone called me back the next day. I told him about the federal laws that CarMax is violating and he didnt know what to do or to say. I never heard back from anyone again. I called again today ( XX/XX/2021 ) and a representative hung up on me because i was trying to figure out who denied me and why did i have a inquiry on my credit report and i didnt give CarMax written permission to do that. I also filled out a identity theft report on the FTC website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
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:
I received an email that my information had been breached with Equifax XX/XX/2019. I clicked on the link in the email that was provided : https : //eligibility.equifaxbreachsettlement.com/en/eligibility to check my records. When I checked my last name and last 6 of social, I received this message : Based on the information you provided, our records indicate your personal information was impacted by this incident. My credit has been impacted with inquires and accounts I did not authorize and had any knowledge of. Equifax confirmed that during the data breach my personal information was exposed.

Company response to consumer: Closed with explanation