vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am submitting this claim due to a fraudulent contract. I was not given full disclosure about : The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. Regulation Z, 12 C.F.R. 1026.4 ( a ) The Truth in Lending Act ( TILA ) requires creditors to disclose key information about consumer credit transactions so that the consumer will be able to compare more readily the various credit terms available and avoid the uninformed use of credit. The finance charge disclosure informs consumers about the cost of credit expressed as a dollar amount. Violations include but are not limited to : My Contract says I can pay in Cash OR Credit! They got the Credit from using my social security ACCOUNT number. My contract also says You have agreed to buy the Vehicle from us on credit for the total sale price The total sale price is : {$22000.00} According to XXXX5 USC 1662 - No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. So They are in violation for requiring a down payment and I am entitled to compensation. My Contract also states : Security : You are giving a security interest in the goods or Vehicle being purchased SECURITY INTEREST.- The term " security interest '' means an interest ( including an interest established by a conditional sales contract, mortgage, equipment trust , or other lien or title retentio contract, or lease ) in a motor vehicle when the interest secures payment or performance of an obligation. THIS MEANS THE CAR WAS PAID IN FULL.

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 2023-05-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HarrisLoftus, PLLC
State: VA

Complaint narrative:
Garnishing wages in the sum of XXXX after collections was already taken by previous debt collection. Sent notice of garnishment to wrong address after the original company has new address and has not communicated since debt being written off, original loan company refused to collect collateral of debt and garnished wages instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
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 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 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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
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 : 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 has violated my rights.

1

5 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 non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: UT

Complaint narrative:
My self credit card account as well as my credit builder account were closed with no explanation on XX/XX/2023. I had called the support line, and chatten the live support teams with no resolve as to why my accounts were being closed. I asked for a manager call on the chat and was told that a manager wouldn't have any answers for me and a manager escalation was refused by the self representative. I was promised a same day manager call back by the phone rep, and a call was never received. Self terms and conditions state that once an account is closed the deposit for the secure line of credit will be returned within 14 business days. After waiting 3 weeks for my deposit, I once again contacted Self via the live chat option and I was informed that my roughly {$3000.00} is being held by Self for an account review. I asked why I am under review if the account is closed. I was informed that no further information will be provided as to the nature of my account, or the status of my money by the chat rep. I find this totally unacceptable. I then called the Self customer service and was supplied with the email XXXX to contact. I was also told that if the review is resolved and I am awarded my payout, I will be subject to another XXXX business day waiting period before a check would be mailed. This is also unacceptable as I have been owed this money for three weeks at the time of sending my email to them. I was told I couldn't be informed of why I am under review, and I have not had any requests to verify any information. I chatted again yesterday and was told again that they are unable to tell me why I am under review, when I might see my money back or any additional info pertaining to the issue. I then received an email stating the same. I have been patient. I have gone through the steps to try and get answers to my questions, and I have waited the appropriate amount of time to receive my money back. I no longer wish to do business with Self. They had no issue taking my money. There should be no issue paying it back. I am requesting expedited payout of the money owed to me. I also looked them up on the XXXX  and they are having several reports of the same issues. Accounts closing with no notice or explanation and refusing to discuss the nature of accounts, or disclose any information for resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
In regards to an XXXX benefit requested for two accounts the maximum APR interest rate has not been credited to either accounts. Personal card has been open for 54 months Business account has been open for 34 months. Both accounts were approved for XXXX relief and moved to a 0 % interest rate however the balances which include over {$12000.00} in interest over the past 5 years combined was only credited ~ {$450.00}. American Express conducted two balance transfers to the new interest rate of 0 % in effect claiming that these balances are now new balances not subject to interest rate reimbursement, although they were compiled over the past 5 years prior to entering XXXX XXXX service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 : 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 XXXXXXXX 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 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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 : 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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BMO BANK NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Collection agency XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Creditor : Bank of the West XXXX Account # XXXX My complaint is both against Bank of the West and XXXX XXXX XXXX XXXX I orginally had a checking account with Bank of the West. Two overdraft payments were made of behalf ( not authorizied by me ), I was subsequently charged two overdfraft fees. I was paying off this debt to Bank of the West by electronically depositing funds to my account. Bank of the West was not charging me any interest or additional fees. I was able to pay most of the debt with the exception of the overdraft fees and approxiametly {$40.00}. Bank of the West stop accepting my deposits and turned the account over to XXXX XXXX XXXX XXXX and this company proceeds to charge me a 9.00 % annual interest. Also I'm currently in XXXX XXXX  bankruptcy.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax, and only Equifax, shows a XXXX account that does not belong to me. I contacted XXXX  and they verified that I do not have an account with them and recommended I file a dispute with Equifax. I filed the dispute, but Equifax says that XXXX verified that the account belongs to me. I also received a letter from XXXX stating " they are unable to update the credit report because to remove authorized users from credit reporting the authorized user must be removed from the account ''. I called XXXX again and explained that someone had committed fraud and that the account is not mine. They said I am not in their system so they can not do anything about the account because I am not in their system. I told them the reason I am not in their system is because I do not have an account with XXXX The representative just kept saying there was nothing she could do because I am not in their system. Their letter also said that if I have any questions regarding the matter I should call the number on the back of my card, which I can't do because I don't have a XXXX card because I don't have a XXXX account. For some unknown reason XXXX simply has no interest in contacting whomever it is they are sending the bills to in an effort to straightened things out, so at this point I am left with no other choice than to file a report for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I need my credit report fixed by Region providing false info and straight talk on all my mortgage options. As a XXXX XXXX XXXX  with XXXX, I couldn't work during Covid and applied for forbearance. When I resumed payments, the bank extended my mortgage length and applied a lower percentage fee. However, the escrow balance got mixed up by the bank to a debt of {$2100.00} which I was not informed of despite my many inquiries about this. I also asked continually about all my options to have a lower payment. I was never informed of the Homeowners Assistance Fund and my inquiries about this went unanswered. I researched it on my own and found out all of Florida 's funds were gone. I was told by my Region 's Bank escalation service, XXXX XXXX, that it was not their job to tell me. Now, over the past couple of weeks I investigated obtaining a loan against my house. equity. XXXX XXXXXXXX XXXX XXXX Escalation Specialist - Regions Phone ( direct ) : XXXX XXXX Toll Free : XXXX Ext XXXX Fax : XXXX XXXX connected me with the wrong department, housing refinance. After I had given them all my info, I realized I needed another dept. So I told them to STOP the refinance paperwork and transfer me to the loan dept which they did. However, despite this, they processed the refinance request anyway, denied it, and passed the denial to the major credit bureaus, ruining my credit! I am concerned that with all the mixed info Regions is harming me. Today I got snail mail telling me to be patient plus by mistake they sent me someone else 's account info. along with it saying the same thing! Please help!

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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc
State: NY

Complaint narrative:
My name is XXXX XXXX, this communication is notice of dispute under the fdcpa. This alleged debt communicated by and through H & R ACCOUNTS, INC is not mine and I refuse to pay this alleged debt. I need some form of verification or a copy of a judgement in connection with this alleged debt. Failure to provide this information shall result in a cease and desist of further communication unless its to notify me that you are ceasing communication. 
Reference number # XXXX Account number # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
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, CHILD SUPPORT NORTH CAROLINA : XXXX, CHILD SUPPORT NORTH CAROLINA : 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 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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
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, CHILD SUPPORT NORTH CAROLINA : XXXX, CHILD SUPPORT NORTH CAROLINA : 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 non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation