BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing this due to non-compliance with the CRA ( Experian ). I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They are not following E-Oscar and Metro 2 compliance protocols that the FCRA has in place and violating the FCRA. I believe that they are being in non-compliance with the federal law. The company came back and said that the account is accurate but have not produced any documents. I have dispute this item numerous times with inaccurate information being reported. There is no way that this trade line is reporting accurately. I wrote them on XX/XX/2020, along with a copy of my credit report outlining the inaccurate information and they responded on XX/XX/2020. I do not believe that they did a proper investigation in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: OK
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 went to get a car and the car dealership said it would only be their one lender and I recieved notification that multiple inquires were added to my consumer report without my authorization. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-06-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was induced to wire {$48000.00} to XXXX XXXX a fraudulent foreign exchange broker. 
The transactions were for the following amounts to the respective parties : {$10000.00} on XX/XX/2021 to XXXX XXXX XXXX / XXXX XXXX XXXX {$18000.00} on XX/XX/2021 to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and {$20000.00} on XX/XX/2021 to XXXX XXXX XXXX XXXX XXXX XXXX I requested a return of my funds from XXXX XXXX, my bank ( Fifth-Third Bank, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 
XXXX XXXX has returned the {$10000.00} wired to XXXX XXXX XXXX XXXX The XXXX XXXX  XXXX XXXX The fraudulent broker 's bank ) and Fifth-Third Bank ( my bank ) have disavowed any responsibility for the bank fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
*THIRD REQUEST NOT DUPLICATE REQUEST* I have been disputing with Experian for quite a while. They do not investigate, and they send stall letters claiming they are which they are not. 
The following accounts are reporting as active payment history every month even though they know the accounts are over 180 days which is FALSELY against the state of limitations. 
XXXX XXXX XXXX  date closed XX/XX/XXXX claimed its sold but is showing the original creditor and the sold company. They are reporting a balance every month as if the payment is active history. XXXX {$420.00} XXXX XXXX- date closed XX/XX/XXXX claimed its sold but is showing the original creditor and the sold company. They are reporting an active balance every month since XX/XX/XXXX making the payment history report a balance every month over the 180 days. Balance is XXXX ________________________________________________________ XXXX XXXX failed to invite me to the live auction. Failed to send me the bill of sale reporting every month by Experian as an active payment history closed XX/XX/XXXX I have no problems suing Experian and that is my next step if this is not removed.

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 2022-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Contacted Bank of America Fraud division. They promptly canceled the card and informed me they would contact the credit bureaus. In order to put a freeze on my credit information I needed to file a report with FTC Identify Theft 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 non-monetary relief
Consumer complaint received 2022-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am currently POA for my father who has been in the hospital since XXXX and he is still currently there. I am trying to handle all of his financial obligations. However since I am not recognized as a POA I can not pay on his account.I have sent them all paperwork starting XX/XX/22. I sent a total of 4 faxes to capital One. Each time being rejected for having an incomplete packet. I have fax confirmation letters to show that all faxes were complete. Each time I called and spoke to a representative they told me exactly what I needed. Reason for rejection : 1st time : no address for myself listed 2nd time : no copy of my drivers license 3rd time : cant read notaries signature 4th time : I have a letter saying I am missing the above info still along with missing my occupation. 
I called and spoke to a supervisor ID of XXXX she gave me her personal fax. She reviewed everything I needed in the POA submission which I confirmed I had. She confirmed she got my fax and sent it to the department that handles POAs. She told me 7 days. Today is day 7 and when I called in she stated they are still within their time frame. I asked to speak to a higher supervisor and she stated that they dont take phone calls. I asked if they could call me and she said No, they just support her. So I asked again there is no supervisor I can speak with and you can not call that department. She said that is correct as they do not have phones. She faxes them my packet. I said whos to say they got a complete packet she said she has a fax confirmation sheet. I replied so did I and I am still getting rejected. I asked if there is a grievance policy and form as I would like to make a formal complaint and she replied there is no grievance policy. It was on a recorded line and will reflect she said there is no grievance policy and no way of showing that the department that reviews POA applications actually got the full packet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 
XXXX XXXX, XXXX XXXX ****, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, US DEP ED XXXX, US DEP ED XXXX, XXXX Original Creditor : ) XXXX XXXX AES/NVI/JT  XXXX, XXXX XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED 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 2022-04-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
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:
We have reached out to the carrier USPS in regards to this missing item. ( The lamps for {$300.00} from XXXX I was eventually transferred to a supervisor who advised me that although the package was marked as delivered they could not provide me with the geotracking information to prove this. I was also told that because of seasonal workers ( temporary workers that were new to the company ) it was likely that my package was lost or accidentally delivered yo the wrong address. 

I was security camera footage from the front of my house and my porch and I can provide proof that no one came during the entire day USPS claimed the package was delivered. 

I have tried to work out the issue with my merchant many times Ive also contacted the carrier who admitted the package was most likely lost or delivered to the wrong address. We will sign any legal document stating that these facts are true. 

We contacted HSBC who DENIED our claim. I believe we contacted them around mid XXXX. They were extremely rude, with one agent yelling at me accusing me of being a lying woman who just wanted the item for free. I was SHOCKED and sickened. We have never disputed fraud with this bank EVER before this never late on a payment. They also lowered my credit limit down from {$8000.00} to only {$500.00} as a result of this. 

Please assist us in this matter we spent a lot of money and never received the product we ordered. Its not right and weve tried to do everything the right way to resolve this issue. 

We expect to receive the full credit of {$300.00} since we NEVER received the items and we have video proof of this. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: HUNTINGTON NATIONAL BANK, THE
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/XXXX, I went through dealership financing and approved for an auto loan with Huntington Bank. Following an auto collision in XX/XX/XXXX I contacted the lender Huntington Bank directly. The lender representative verbally told me they have no proof of insurance on a financed vehicle for me. Also confirmed they never sent any written communication to me to notify they never received proof of insurance from the insurance agency or dealership. It is in my belief Huntington Bank approved and manages auto loans without verifying consumers obtain and maintain full coverage insurance on financed vehicles, in return putting consumers at greater risk to default on loans

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
( Please note this overview was sent to XXXX XXXX ), XXXX XXXX, We consistently provide updates directly to your office due to the excessive amount of fraud we are experiencing in Georgia. We feel it is extremely vital to ensure you are aware of the excessive amount of ID Theft/Fraud which is taking place in this state. This is not an isolated incident. We have met numerous victims of Mortgage Fraud in Georgia, As stated previously, I was forced to file personal bankruptcy to obtain assistance with the investigation of approximately XXXX XXXX dollars of CONVENTIONAL RESIDENTIAL Mortgage fraud. We were utilized as targets and never received a mortgage for any of our properties. All closings were staged and our names were forged onto documents which profited others. There were no fraud investigations by the XXXX or the Creditors because it appears they were all involved, Until now XXXX ; XXXX and others are attempting POST PROACTIVE Approaches which should have been completed previously, Unfortunately, the damage has been done and there is no rectifying of the harm others have caused. We are preventative tips regarding the prevention of fraud, This is quite hilarious after the fact. The retained Attorney XXXX XXXX XXXX who was paid a retainer of XXXX has done nothing to assist us, In fact we know he is working with the Creditors and Bureaus to provide information to assist them with staying ahead of any charges which may be filed. Select Portfolio had the audacity to send information regarding Fraud Prevention and ask we complete an ID THEFT/FRAUD Affidavit for the 50th time. We have provided this information previously and now they are asking for additional items in order to cover themselves legally. well, it's too late to cover and besides SPS sent us a letter stating the second mortgage on the home located at XXXX XXXX XXXX XXXX XXXX GA which was stolen by the XXXX trustee. It's very obvious who's a part of this racket but it's too late. They are attempting to follow their given policy and procedure to cover themselves in a court of law, at this point we recommend they provide a level of compensation. The level of evidence against all involved is astronomical and can not be rectified. We will be honored to testify if and when needed. 

Respectfully Submitted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account 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 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 non-monetary relief
Consumer complaint received 2022-07-28
Company: ACIMA CREDIT, LLC
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I purchased wheels and tires from a noteable tire shop in XXXX XXXX. I used there credit option as the told my it was free to finance. I paid XXXX over the last 3 months of the XXXX amount. 
I should only have XXXX left to pay but they are saying I still owe over XXXX bucks for a total cost of XXXX and now they are trying to call it a lease?? I never signed a lease. 
How could they charge me over XXXX extra in interest? None of these final charges were ever given to me when I signed up for this. 

The Company is Acima Credit. 
Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 3 accounts and inquiries I did not authorize

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 DO NOT RECOGNIZED ANY OF THESE HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-24
Company: CURO Intermediate Holdings
State: MS
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:
The credit Bureaus never did a proper " Investigation '' According to the FCRA. 

The term Investigative consumer report " means a consumer report or portion thereof in which information on a consumer 's character general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this Also, they have VIOLATED MY RIGHTS EVEN MORE In accordance with the FCR Everything has to be 100 % accurate on my credit report.

The credit Breaus stated my accounts was properly verified by FCRA method they take, but how is that possible if the OPEN DATE, BALANCE, HIGH CREDIT LIMIT, CREDIT LIMIT, DATE LAST REPORTED, DATE LAST ACTIVE. 
The credit Bureaus never did a proper " Investigation '' According to the FCRA.

The term Investigative consumer report " means a consumer report or portion thereof in which information on a consumer 's character general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this Also, they have VIOLATED MY RIGHTS EVEN MORE In accordance with the FCR Everything has to be 100 % accurate on my credit report.

The credit Breaus stated my accounts was properly verified by FCRA method they take, but how is that possible if the OPEN DATE, BALANCE, HIGH CREDIT LIMIT, CREDIT LIMIT, DATE LAST REPORTED, DATE LAST ACTIVE. 


Account AD Astra Recovery Service

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Duncan Solutions, lnc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE BEEN RECEIVING DEBT COLLECTION LETTERS FROM PROFESSIONAL ACCOUNT MANAGEMENT ( XXXX ) FOR A DEBT THAT DOES NOT BELONG TO ME. TWICE I SENT THEM DISPUTE LETTERS. THE FIRST LETTER DATED XXXX, I DID NOT RECEIVE A RESPONSE FROM THEM, BUT I CONTINUED RECEIVING DEBT COLLECTION LETTERS. THE SECOND LETTER DATED XXXX WAS RECEIVED BY XXXX ON XXXX. THEY SENT ME A LETTER WITH THE RESULTS OF THEIR INVESTIGATION OF MY DISPUTE LETTER, SHOWING A DATE OF XXXX. XXXX IS TELLING ME THE RESULTS OF THE INVESTIGATION WAS COMPLETED AND THE FULL BALANCE REMAINS DUE. THE XXXX LETTER DID NOT GIVE ME THE " XXXX XXXX '' RIGHT TO DISPUTE THE DEBT WITHING 30 DAYS. XXXX THEN SENDS ME A DEBT COLLECTION LETTER DATED XXXX ATTEMPTING TO COLLECT THE SAME DEBT FROM ME, THIS TIME THEY GIVE ME MY " XXXX XXXX '' RIGHTS TO DISPUTE THE DEBT WITHING 30 DAYS. TEXAS LICENSE PLATE 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 explanation
Consumer complaint received 2022-06-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Portfolio Recovery Associates , LLC on XX/XX/22 claiming I owe them {$11000.00}. ( Acct # XXXX ) I responded to the letter on XX/XX/22 requesting validation of the debt. I sent through USPS Certified Mail Return Receipt requested. I received the receipt showing they signed for it on XXXX XXXX. I requested the original creditors info, account number, total amount owed & when account was closed. I requested a copy of the contract / agreement signed by all parties stating that I owe this debt. I requested details about the age of the debt, including a copy of the last billing statement sent to me by the original creditor ; a detailed explanation of any interest added & payments made since the last billing statement and the legal authorization for the interest. 

The failed to respond with any of those items proving the debt is mine. I received a bill from the today there does not show any of this information. 

This debt is NOT mine and Portfolio Recovery has failed to prove otherwise. They failed to respond within 30 days to my debt validation letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

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