BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-04
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX XXXX, entered into a consumer credit transaction with CHRYSLER CAPITAL on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but CHRYSLER CAPITAL took cash. The finance charge is suppose to include insurance, but CHRYSLER CAPITAL made me purchase insurance separately. CHRYSLER CAPITAL is in violation 15 USC 1611. XXXX XXXX XXXX willfully and knowingly failed to provide/ disclose information required under the provisions of 15 USC 1601. They are now civilly and criminally liable. 

Pursuant to the provisions of the Truth and Lending Act ( TILA ), 15 U.S.C. Section 1635, I hereby rescind the above-referenced loan, due to violations of TILA, including but not limited to the unlawful failure to give timely and proper notices required under TILA. 

With this letter, I hereby exercise my rights under the Federal Truth in Lending Act, 15 U.S.C. 1635 and Regulation Z, 12 C.F.R. 226.23 ( b ) ( 5 ) to rescind the above referenced Auto Loan. The Truth in Lending disclosure statement was defective for the following reason : CHRYSLER CAPITAL is in violation of 15 USC 1605. ( a ) ( c ). This transaction included a finance charge and the finance charge is suppose to includes insurance which protects the creditor against the obligor 's loss, and property damage. CHRYSLER CAPITAL did not include my insurance in my finance charge and made me purchase seperately. 

CHRYSLER CAPITAL is in violation of 15 USC 1605. A finance charge is the sum of all charges in a consumer credit transaction and it does not include cash. CHRYSLER CAPITAL in fact took cash as shown in the attached exhibits. 

CHRYSLER CAPITAL is in violation 15 USC 1611. CHRYSLER CAPITAL willfully and knowingly failed to provide/ disclose information required under the provisions of 15 USC 1601. They are now civily and criminally liable. 

Pursuant to 15 U.S.C. 1635 ( f ), my right to rescind this loan extends for three-years as a result of this defective Truth in Lending disclosure statement. This rescission notice has been sent to you within that time period. 

Please be advised that your security interest on my vehicle is now void per 15 U.S.C. 1635 ; Regulation Z 226.23 and you have twenty-days to return all of the payments I have made on this loan and to do your part to terminate the security interest on my vehicle, terminate loan and also as remedy pay the attached invoice for violations of federally protected consumer laws prasuant 15 U.S.C. 1601 which includes double my finance charge which you are liable for, I need my title lien free, and my vehicle returned, also I REVOKE and TERMINATE any and all POWER OF ATTORNEY that was given during the consumer credit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
AMEX took legal action against an account removed from my credit report that was originally reported as a result of identity theft. This is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, My debit card was closed to suspected activity I only reported things that were taken against my permission and my account was not in negative. It was closed and its affecting other accounts and checking which is upsurd. Please assist because I dont understand

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 2021-03-01
Company: MONEY SOURCE, INC., THE
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I did a mortgage refinance with XXXX and the loan would be serviced by The Money Source, starting from XX/XX/2021. I transferred {$3600.00} to The Money Source on XX/XX/2021, immediately after the loan close, to pay down the principal. 

I got a letter from The Money Source, dated on XX/XX/2021, stating the loan would be transferred to another servicing company, effective XX/XX/2021. I checked my loan information with the other company, it turned out that The Money Source had not transferred my principal payment. 

I called them several times, trying to resolve the issue. They told me the fund would be transferred by XX/XX/XXXX, and when that didn't happen, they told me it would take another 60 days, from XX/XX/XXXX, to transfer the fund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
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: Problem with personal statement of dispute

Complaint:
no responds from company or additional information on how to resolved issue half answer from XXXX bank still was notified of any changes or updates

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX from Legal Administrations called me from XXXX ext XXXX. Stating that she was calling from a Law Attorney office and needed to verify my address and my social security number because she needed to serve me documentation. She also stated that the law office would be filing a judgement against me to start garnish my wages from my employer if I didn't settle this debt immediately. I've told her countless of times that I've never been contacted about this before. They contacted my aunt originally and NOT myself. my aunt gave me their number to call back to see what this was about. I've asked for Documentation from proof of this debt she said there wasn't much information that she could provide me because the case was sealed and that all she could see was that it was coming from the XXXX XXXX XXXX. I've asked if i could dispute this because I've never had a debt with Lane Bryant. Apparently this is who i own money to but she said it was to late to be disputed. I mentioned to her that I dont see this on my XXXX XXXXXXXX and she told me that XXXX  XXXX is a fraudulent website the doesn't necessary show all of our debts and that's why I haven't been able to see that I owe this debt. I told her i wouldn't make payment until i received proof of this debt but i still haven't received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Experian Information Solutions Inc.
State: CA
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: Problem getting your free annual credit report

Complaint:
I was XXXX  for 19 years, and XXXX  on XX/XX/XXXX. I was able to briefly see that someone took a car out in my name, credit cards, etc. then I get a letter from franchise tax board saying I owe {$2000.00} or else from XXXX. I began my XXXX  in XXXX. I tried calling them and credit bureaus with no success. Experion, XXXX, XXXX, etc. all gave me run around and blocked me out. I filled out all the paperwork they required online and then wrote me saying the info was a problem so couldnt send my free 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 2019-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery Associates ( PRA ) is reporting to the credit reporting bureaus for an account ( XXXX XXXX ) that has been paid in full. PRA also is reporting that there is a balance on the account, and from the last report, has increased. Upon filing a dispute with the credit bureaus, on XX/XX/XXXX, the credit bureaus ( XXXX, XXXX, XXXX ) all claim that PRA has provided that the balance is valid and accurately being reported by the FCRA.

PRA, during the dispute process with the credit bureaus, sent me documentation on XX/XX/XXXX, stating that the account was paid in full. Additionally, they have stated that they would have the tradeline removed from the credit reporting bureaus. This has not happened, instead, the balance on the account was increased by {$11.00} to now show {$22.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is my second complaint filed against Bank of america. I am on my third short sale agreement. They approved the first short sale, but buyer cancelled bc BOA was taking so long, asking repeatedly for documents they already had. Second short sale they finally rejected after I sent in a complaint against them. They said it was because I was current on payments. Only reason I was current on my payments was because I borrowed some money to keep it from foreclosing after the first short sale fell through only a few weeks before we closed. The short sale and mortgage depts refused to communicate. Even though I had a short sale contract they still pursued foreclosure. So, I remodified the loan to buy some time while we found another buyer. Now we are on buyer number three. My realtor submitted to equator a week ago the short sale and BOA still has not initiated it. I have tried multiple phone numbers to contact them. I have tried the number which they have instructed me to use : XXXX. I enter my loan number and follow the prompts and then get a recording for a voice mail box.I left two messages last week. I have been calling for a week now and still get the same message. Every number I call for BOA I still get that voicemail recording. I even went on the website and tried to chat. It said nobody was available. I called the mortgage and home equity line just trying to get a live person and each time i end up at the voice recording. This has never happened in the past 1.5 years I have been dealing with them. So now, we have another buyer and another contract and BOA is impossible to reach. We can not move forward without BOA initiating the short sale and my realtor has done her part. I can not even find a way to talk to any human at the bank in any department.

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 2023-03-15
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. 

XXXX XXXX : XXXX, DPT ED/XXXX : XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX 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  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 response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I DECIDED TO SIGN UP FOR CREDIT WHEN I ENCOUNTERED THIS COLLECTION XXXX XXXX XXXX XXXX Original creditor HARRIS & HARRIS ( Collection Company ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I contacted XXXX XXXX XXXX and have made a couple of payments online myself I was not aware of the debt at all, spoke to a company rep and she said that my debt is not {$1300.00} like what it is reporting in my credit report if not {$600.00}, she had no clue tried to contact Harris and Harris can't get answers, sent a questionnaire only way to contact them with all the info. I also told medical faculty that I had intentions to pay them per month but never ever got a bill, they had the wrong address, I also informed them that I was paying on website and you have no right to send me to collections while payments in progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I asked the credit reporting agencies to not share my consumer report unless expressly written by me. These companies used my credit report to send promotional offers, i did not apply for these and the inquires are hurting my credit report. I dont want these inquires reflecting on my report when i didnt apply for them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently contacted ( XXXX, Transunion, XXXX ) to report that my personal information is inaccurate, there is over 15 different addresses, Variations of my Name I've Called over 3 times and even wrote each agency and they continue to report this inaccurate 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 non-monetary relief
Consumer complaint received 2019-12-10
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: TrueAccord Corp.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This company is illegally trying to collect a debt that was XXXX in a bankruptcy chapter XXXX back in XXXX. It has been 18-19 years since this was discharged. Statute of limitations also prevents this company from continuing to contact me. There first contact was XX/XX/XXXX, then again on XX/XX/XXXX. XXXX ( XXXX XXXX XXXX sold this debt After Discharge and opened it up after it was written off. This company needs to cease any and all further contact. There attempts to get me to respond to There shenanigans which will open this debt and put it back on my credit report is XXXX. They need to stop NOW. I no longer have paperwork on the bankruptcy due to it being over 15 years almost XXXX years old. So how am I to send proof when it has already fallen off credit report and I no longer live in CA, and am not required to keep copies past 10 years.!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
They have many errands including two SSN # on my account which has been detrimental to my financial health credit and living arrangements I can't get any help I need or want.

places homes cars nothing because of their carelessness me and my kids have been homeless for over 9 months trying to deal the situation I do plan to seek legal advice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: NC
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation