BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-01
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
As dated XX/XX/2022, Dear XXXX XXXX D/B/A Santander Consumer USA Inc CEO , and XXXX XXXX D/B/A CFO , I, XXXX XXXX, Consumer, am aware that according to Federal Law 15 U.S. Code 1605 ( a ) 15 U.S. Code 1605 - Determination of finance charge XXXX That the Finance Charge is a sum of ALL CHARGES. 
Im aware that Truth In Lending Act makes it VERY CLEAR that The amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. 
So, XXXX XXXX D/B/A Santander Consumer USA Inc CEO XXXX XXXX XXXX D/B/A Santander Consumer USA Inc CFO, Im aware according to our agreement that you signed Santander Consumer USA Inc, that the finance charge to me ( XXXX XXXX ) is {$20000.00} and if the finance charge is a sum of all charges, payable directly or indirectly can you please explain in the words of Santander Consumer USA Inc how is possible for me to be ever be Late on any payments? And why are not all my payments being furnished as On Time on my Consumer Report. 

Thanks in advance for your timely response, Respectfully, XXXX XXXX, Federally Protected Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, 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 XXXX  Account # XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXX # #, XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX OR 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Account was opened on XX/XX/XXXX Terms of promotion are Card Members who apply through this offer and are approved for the XXXX XXXX XXXX can earn XXXX Membership Rewards points after spending {$15000.00} in eligible purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership starting from the date of account is approved. 

Eligible purchases is defined in XXXX & XXXX 's as " Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases to meet the Threshold Amount do NOT include fees or interest charges, purchases of traveler 's checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or purchases of other cash equivalents. '' No purchases outlined below fall outside eligible purchases categorization. 

In my first 92 days I spent {$16000.00}, saw {$690.00} in fees, had {$87.00} of returns, had credits/offers of {$260.00} - XX/XX/XXXX statement - {$8800.00} spend, {$690.00} fees, {$0.00} returns, {$0.00} credits/offers - XX/XX/XXXX statement - {$6700.00} spend, {$0.00} in fees, {$9.00} returns, {$250.00} in credits/offers - XX/XX/XXXX statement - {$950.00} spend, {$0.00} in fees, {$78.00} returns, {$0.00} in credits/offers - Between XX/XX/XXXX and XXXX - {$170.00} spend, {$0.00} fees, {$0.00} returns, {$15.00} in credits/offers I contacted AMEX on four occasions via chat to inquire about enforcement of this promotion on : - XX/XX/XXXX - inquired about having satisfied the welcome bonus. Was advised " I can see that you have met the spending threshold and bonus points will be automatically credited as per the offer terms. '' - XXXX - was told " I am opening an investigation on the account, so that our backend team will review details an update spending towards welcome bonus offer ''. Escalated and was told I would be contacted in XXXX days. 
- XX/XX/XXXX - was told " It is a known issue, the offer is not showing but you are eligible for the welcome bonus ''. " Our team is working on the issue. '' - XX/XX/XXXX - was told " the status of the bonus is not available on our end but I akready created a case for escalation, so we can follow up on this. '' Additionally, I had contacted AMEX by phone once in XXXX where I was informed there is a nondescript issue with bonus offers and all should be resolved by end of month, provided an escalated case number, etc. 

As I am planning travel in XXXX, and a factor in securing this card and spending nearly $ XXXX was to leverage AMEX points for this travel. 

Attached are my statements evidencing over $ XXXX in purchase transactions within offer terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-01
Company: Experian Information Solutions Inc.
State: NC
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 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 : 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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX 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. 

These accounts are reporting inaccurate information and have no been properly investigated by your company!

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 2022-09-21
Company: Cash Link USA, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was approved for a {$600.00} installment loan. I was to make a total of XXXX payments. The interest rate on this loan is 780 %. In XX/XX/XXXX, I made the XXXX payment and had already payed {$2000.00} at this time. I called their customer service department and the lady I talked to told me if I made 1 more {$410.00} payment then the loan would be considered payed in full. I did not have that payment at the time so I defaulted. I tried calling back 3 months later and I was told that was a one time deal. I have tried working with XXXX or XXXX to put all debt together so I can pay everything off. I find out today ( XX/XX/XXXX ) that Cashlinkusa has sold my debt to a debt collector office called XXXX XXXX. ( XXXX ) XXXX. They informed me that the interest is still being added even though I have not received anything from either company. I was informed that I now owe {$4100.00}. And that's on top of the {$2000.00} I have already payed. So in total, I took out a {$600.00} loan and I am being told I have to pay a total of {$6100.00} back. I have the email from XXXX XXXX showing all this information and the original Loan agreement as well as proof I have already payed {$2000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Greeting, I am XXXX XXXX XXXX XXXX military. 
I was XXXX overseas for almost 5 year my home Mortgage was originally with XXXX which sold or transfer everything to XXXX XXXX. While overseas I suffered with many set back. 
1 ) my wife and kids get stock in the XXXX XX/XX/XXXX for 9 months with my XXXX XXXX XXXX due to XXXX while I XXXX and at the same time I had a leak in my house which take months to figure out. 
2 ) My XXXX passed away XX/XX/XXXX due to XXXX and I was contact by the XXXX XXXX for funeral arrangement while XXXX. 
I came back from the funeral back in XXXX. I suffered a back injury on XX/XX/XXXX for which I am in XXXX duty. XXXX XXXX contact me about the change changes which I explain to them I was overseas. They never never stop calling my and reported me to the credit bureau. I am respectfully ask to delete and remove the late fees from my record please. thank you

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 2017-07-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I contacted portfolio record to pay the balance owed, and I have been paying it back since XX/XX/XXXX every month. I do n't understand why they reported my account to collections. This is what I was avoiding in the first place, which is why I have been paying them back $ XXXX/month since XX/XX/XXXX. Now i need this account removed from my credit report as collections

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Description of complaint : I have reach out numerous times to transunion XXXX XXXX they have failed to remove fraudulent items from my credit ( Fraudulent ADDRESSES ) 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 XXXX XXXX XXXX XXXX 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 CRA that negligently fails to comply with the FCRA can be held liable for actual damages, costs, ant attorney 'S fees. 15U.S.C. 1681o. A CRA that willfull fails to comply with the FCRA can be held liable for actual damages ( or statutor damages of un to {$10000.00}. punitive damages.costs, and attorney 15 U.S.C. 1681n The FCRA seeks to ensure the " [ a ] ccuracy and fairness of credit reporting. '' 15 U.S.C. 1681 ( a ). Toward that end, the FCRA mandates that end, the FCRA mandates that consumer reporting agencies ( " CRAs '' ) " follow reasonable procedures to assure maximum possible accuracy '' of the credit reports that they create. 15 U.S.C. 1681e ( b ). The FCRA also provides that, if a consumer disputes " the completeness or accuracy of any item of information contained in [ his ] file, '' the CRA must " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

" 15 U.S.C. 1681 ( a ) ( A CRA that negligently fails to comply with the FCRA can be held liable for actual damages, costs, and attorney 's fees. 15 U.S.C. 1681o. A CRA that willfully fails to comply with the FCRA can be held liable for actual damages ( or statutory damages of up to {$1000.00} ), punitive damages, costs, and attorney 's fees. 15 U.S.C. 1681n. You have a right to disputed anything

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 2022-07-01
Company: Experian Information Solutions Inc.
State: NJ
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 15 U.S.C. 1681 FCRA section 602 ( a ) states I have the right to accuracy in reporting. 15 U.S.C. 1681b-a section 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) 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, they may only report crimes not debts which antedates the report by more than 7 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 the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: EQUIFAX, INC.
State: NJ
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 15 U.S.C. 1681 FCRA section 602 ( a ) states I have the right to accuracy in reporting. 15 U.S.C. 1681b-a section 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) 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, they may only report crimes not debts which antedates the report by more than 7 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 the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX NAME : EMPLOYER : XXXX XXXX XXXX  ADDRESSES : XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX, SC XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS  : XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN NAME : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX SC XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX GXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NAME : EMPLOYER : CUSTOMER XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  ADDRESSES : XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : 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 2023-08-08
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There are two transactions for a single motorcycle purchase from the merchant XXXX : XX/XX/2021 in the amount of {$100.00} XX/XX/2021 in the amount of {$4900.00} This was a pre-order and the merchant has failed to deliver the promised goods. The delivery date is within the credit card company 's dispute period. However, the credit card company has refused to file a chargeback.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Monterey Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 I sent a letter to Monterey Collections expressing to them that they needed to provide me documentation of my signature that this collection from the original company. They never provided me with proof that this was my debt. I asked them to submit my signature and they never responded with the actual contract with signature. They just sent me a letter stating that this was my debt. I told them that this was not my debt, submitted a letter stating such and asked them to please take this off my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: Mercedes Benz Financial Services
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Only assign my case to the person in HIGHEST AUTHORITY!!! 

OR THE CEO IF you have too!! 
Do not assign my cases to XXXX as she is non compliant and rude and mean and doesnt listen nor has she read my complaints nor investigated them. I do not like her.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Avant Holding Company, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to AVANT LLC/WEB BANK XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or AVANT LLC/WEB BANKs customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of XXXX, and I kindly request that you address it promptly.

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