BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-27
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I called Chrysler Capital after receiving a bill in the amount of {$620.00}. This was due after my car was totaled. I did have Gap insurance but apparently it did not pay off my car. After a few months they charged off this bill and reported it to the credit bureaus. It has been a few years since the car was totaled. I just received another bill. 
When I called I made a settlement with the woman I spoke to for {$300.00}. She gave me a number to call to make the payment and told me that when I do this it will say the whole amount but will only charge my card {$300.00} per settlement. It charged me {$750.00}. I called back right away and was told the payment was cancelled. A few days later after checking my bank account it was not cancelled. I called back and was told they couldnt cancel the payment. They wanted me to send them my bank statement to prove that it cleared the bank. I told them I was not comfortable sending them my bank statement. I went to the bank and got a letter from them stating that the payment had posted and cleared my account. When I called back to see if they got the fax they said I sent it to the wrong number and gave me a different number. I asked to speak to a supervisor and was put on hold for a long time. I have the settlement and the letter from the bank saying what was posted. I am getting the run around every time I speak to someone there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: DISCOVER BANK
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently checked my credit report and seen multiple items with incorrect information on it. 

Discover bank Acct # XXXX on XXXX and XXXX The information incorrect is the account number is not correct Date opened it not correct Balance isn't correct on XXXX it shows {$1400.00} on XXXX it shows as {$0.00} Payment status is incorrect and shows as charge off on XXXX while XXXX shows as paid in full Last report date is incorrect XXXX says XX/XX/XXXX while XXXX shows XX/XX/XXXX XXXX also states it as a Delinquent and Derogatory while XXXX has it Derogatory Also neither has the correct address associated with me This account should be removed from both XXXX and XXXX for being inaccurate. 

Now there are two more accounts with XXXX that is not accurate XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX on XXXX shows as payment after charge off which is not accurate, payment status isn't correct, active date is incorrect. Also credit limit being {$0.00} and high credit being {$9000.00} is incorrect. Date open XX/XX/XXXX and last report date XX/XX/XXXX is incorrect. Along with the address on file not being mine. 

XXXX on XXXX shows payment status as charge off which is inaccurate, last active date XX/XX/XXXX is incorrect on XXXX. XXXX has it as XX/XX/XXXX paid satisfactorily accurately. Also credit limit being {$1500.00} and high credit being {$1800.00} is incorrect. Date open XX/XX/XXXX, last active date XX/XX/XXXX and last report date XX/XX/XXXX is incorrect. XXXX has last active date as XX/XX/XXXX and XXXX with the address on file not being mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I was informed by my bank lender that I was not approved for a home equity loan because of items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX # XXXX, XXXX  XXXX  XXXX, XXXX, XXXX  XXXX, XXXX, XXXX XXXX CR UNION, XXXX SB.

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 2023-06-21
Company: EQUIFAX, INC.
State: LA
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:
XXXX decreased my credit by XXXX points in XXXX because they began including several closed written off accounts in the calculation of my total credit utilization. Credit utilization calculates what percentage of the credit is currently being used of your total available credit. It does not include closed accounts because you are unable to use credit if the account is closed. I verified with vantage that they do not use the closed accounts in this calculation. In XXXX XXXX included several closed accounts stating my credit utilization is XXXX XXXX and it dropped my score by XXXX points. Im only using XXXX dollars of my XXXX dollars available credit which calculates as XXXX XXXX. When I brought it to their attention they refused to do anything about it and said they cant do anything to change it and gave me no solution or suggestion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: NY
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:
XXXX and Equifax dropped my score by XXXX points. I put a complaint in, but to see their specific reason I would have to pay them. I believe this is unfair. They should provide a detailed response for free. My utilization is less than 24 %, all my payments are on time, I have owned my home for 33 years. My mortgage is less than 30 % of its value. All my payments are on time. I am paying off my credit cards, with a new equity loan, using less than XXXX dollars of it. I would like an realistic response and one that is free, telling me why the drop in plain and detailed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I want to start off first with XXXX. I have sent my equipment back and there is no reason why I should be in collections. The second is XXXX XXXX XXXX they sent a letter claiming the debt was verified but that is hearsay. I return the equipment both these company are trying to pull and fast one and get money out of me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX reviewed my credit report and I have noticed some unauthorized inquiries on my credit reports I have listed them below I have also attached a FTC report with other supporting documents. 

XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX Date of inquiry XX/XX/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 2023-05-10
Company: Experian Information Solutions Inc.
State: SC
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:
Experian is reporting XXXX XXXX XXXX XXXX as foreclosure. Deed in Leiu of foreclosure was filed as instructed. As well, this timeshare was signed while on vacation and intoxicated making contract invalid.

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 2022-06-20
Company: Unifin Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My boyfriend recieved a call from the phone number listed asking for me. I called this phone number back twice and couldn't find out what they were actually calling about. They knew the last 4 digits of my social security number and my current address and kept asking me to verify if this was my information. I have no idea who this company is and they are not a creditor on my credit report. They never stated they were a debt collector and just kept asking me to verify my information before they would tell me what the call was regarding. This company made no attempt to identify themselves and were asking me to verify my information that they have on file, which they read to me first. I didn't provide it to them. They also asked my boyfriend to verify my SSN when he first spoke to them. I refused to verify the information becuase they wouldn't tell me what the call was regarding and they hung up when I pressed them on it. They never identified who they were each time I called and I repeatidly ask to get the name of the company. After getting angry they finally said the company name is Unifin but that was it, no other information was provided. I had to verify online that Unifin , Inc. is actually a debt collector. I believe this to be a scam as I do not owe this company any money. It is very concering that they have the last 4 digits of my SSN and my current address and would like to know what I can do abou this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: OLIPHANT FINANCIAL, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have some fraudulent accounts and addresses and job that do not belong to me and I have no knowledge of.one of the accounts is a XXXX account, and the other account is a collection account from a company called oliphant collection agency.I contacted both companies and ask them to provide documentation that those accounts belong to me but the couldn't.i would like these accounts removed because these accounts are a act of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}.

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 2021-02-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I open accounts with XXXX XXXX XXXX and had fraud and my card stolen at the time, went to the bank filled out paperwork and told I wouldnt have to do anything else. Left bank. One week later went to follow up and whole branch closed XXXX XXXX - XXXX, MD Branch this was 2016 Now they are on reporting Chex Systems and its fraud!

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 2019-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX Ss # xxx-xx-XXXX  RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by XXXX  XXXX   XXXX XXXX  XXXX XXXX, TX XXXX I contacted XXXX   XXXX XXXX  XXXX  XXXX, TX XXXX and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to 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 2017-09-18
Company: EQUIFAX, INC.
State: SC
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:
I had a consumer loan with XXXX XXXX XXXX XXXX for the purchase of an auto, although it was a personal loan consigned by a friend, as I had not had or needed any credit for the past 12 years or so ... ..my score was in the XXXX, showing no activity. I needed some credit, so received the loan and proceeded to build my credit. Prior to the hiatus in activity, my credit was perfect ... .. 
After two years of perfect payments, I asked Equifax to update my credit report in XX/XX/XXXX ... ..in the meantime, the originator of the loan, XXXX XX/XX/XXXX , was bought out by XXXX XXXX XXXX XXXX . In the process of updating, Equifax was unable to contact XXXX, so they took it upon themselves to REMOVE MY 2 years of perfect payments from my record. I asked them to put my 2 years of credit history back on my report, they refused ... .I asked again, they refused. I then asked XXXX XXXX XXXX to put my history on my report ... ... they refused, even though my account was transferred to them during the takeover. MY SCORE, THAT I WAS TRYING SO HARD TO BUILD, DROPPED 40 POINTS, because Equifax could not contact XXXX ... ..but it plainly shows on XX/XX/XXXX credit report with Equifax. I feel this is very unfair to me and is very discouraging ... ... now I am wanting to buy some Real Estate, but my score is 40 points lower than it was ... ... .Help PLEASE ... ..!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Bridgecrest Acceptance Corporation
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX XXXX XXXX was hit and made inoperable XX/XX/XXXX. I called Bridgecrest ( the financial institution who the loan was issued through ) and they told me to continue making payments until this issue was resolved with the insurance company. I continued to make my bi-weekly payments of {$200.00} until the insurance company issued them a check. The insurance company post dated the check back to initial date of loss in XX/XX/XXXX. Between the dates of XX/XX/XXXX and XX/XX/XXXX i made {$1200.00} worth of payments per their instruction. Also, within that time period they reported to the credit bureaus that they repossessed my car. That action resulted in my credit score dropping XXXX points. I was never late on a payment nor did i ever miss a payment. Bridgecrest has yet to issue me a refund for the {$1200.00} that i paid after the initial date of loss or gave me any kind of time frame as to when to expect it.

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 2023-05-10
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I sent off a letter on XXXX XXXX about inaccurate and unverified information on my consumer credit report. I've sent out follow up letters on XX/XX/2023 to get an update and i have yet to receive a response to either my initial or secondary letters. It has been well over thirty days and i feel that i am being ignored. It is Consumer law that failing to investigate these issues within a thirty day timeframe is cause to have those items removed from my consumer report immediately. It has been forty days and they should be removed immediately or i will file for ligation to compensate me fore the troubles and stress this has caused. Not to mention the several data breaches with Equifax and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Surprisingly, Bank of America did not care much about this edd card fraud that is going around lately. 
I found out that this scammer is taking my money from edd card starting from XX/XX/20 to XX/XX/20. 
They took out {$1000.00} per day total of 5 times at multiple atms. I can send photos of my bank transaction page as well. 
I'm % 100 sure that I've never used this card anywhere else other than atm to take out cash to deposit to other bank to pay my bill. No internet transaction, no store transaction at all. So I am highly suspecting that the atm I always went was the place where my card got hacked. Also, the card was with me when this scammer is using my card. 

Here is the address of that boa branch that I always went to use atm. 
Location : XXXX XXXX XXXX, XXXX, CA XXXX ( inside of XXXX XXXX  ) I called Bank of America edd department right after i found out that my card was duplicated and had been used somewhere else, and talked to claims department on the next day in the morning since they were closed. They told me to wait about 10 days to get the additional info about my claim and i was told that it might take up to 90 days to investigate. Today, I just got letters that says they are going to close my claim due to suspicious activity on my account and the letter was generated on XX/XX/20. Just a day after i called them. They did not ask a thing about what happened. All they took from me was dates and amount. I dont get how they came with this decision when they have no information. I later even found out that the card was used just 4 min later in different city on the same day i actually used my card and found out irregular balance on my account. I called boa a few days ago before i got the denying letter and i told them i want to send some proof to them as well but they denied it by telling me there isnt any direct fax number or email address to claims department and told me to just wait. And now, all i got is a letter that states i am the one who used the card. I was shocked how ignorant they are. I know XXXX dollars can be a small amount for some rich people but im not one of them. If i was the one who is filing a false claim, i wouldnt have made police report. XXXX police is currently investing on my case as well. Please help me. 
I can provide any info if you guys need. 

My email 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 monetary relief
Consumer complaint received 2023-05-11
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
US Bank advertised the opening of a new account to receive {$500.00} if the following requirements were met : Open account by XX/XX/XXXX {$100.00} Minimum Deposit {$5000.00} deposit within 30 days Enrol in online banking 5 transactions within 90 days. 

I completed all of these requirements and did not receive the bonus. I contacted customer service and they agreed I had met the requirements and opened up a case for resolution saying they would contact me upon completion. A month later I never received follow-up, so I called again, and received the runaround trying to say somehow I didn't qualify, when clearly I did, and US Bank had admitted as such in previous conversations.

I have copies attached of the offer terms and conditions. US Bank has my account information which clearly demonstrates fulfilling the terms of the offer. US Bank is attempting to bait and switch me, after giving me the runaround from customer service. The company is not acting in good faith.

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