BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: MI
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 Experian, XXXX, and XXXX XXXX violated my rights to privacy. 

XX/XX/2022 and XX/XX/2022 XXXX XXXX reported 30 day lates on my report which was inaccurate. Ive tried reaching out to then on several occasions via mail and phone, yet they failed to provide me with verifying proof that my payments were late. I have called with my bank on the phone proving my payments were actually paid on time. 

15 USC 1681 section 604A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666b : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 
This violation has caused me great grief as to my credit score.

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 2021-11-16
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
NOT abusive language, but a language problem. 

Received a call from " Chrysler Capital Lease Loyalty, '' asking for me by my full first and last name. They said they wanted to ask me a few questions about my recent leased vehicle. Asked me to verify the vehicle I leased, my date of birth ( I refused ), and then my mailing address. Only then did they identify themselves as a debt collector attempting to collect a debt. If I had known they were a debt collector up front, I would not have given them my information and would have told them to stop calling me and hung up. If they had started the call by identifying themselves as Chrysler Capital collections, or XXXX XXXX, or anything like that, it would have been fair. Identifying themselves as " Lease Loyalty '' makes it sound like they're conducting a survey or something, making consumers more likely to stay on the phone. This smells of hiding their true purpose. 

Additionally, the debt in question was a lease-end payment, the total of which was determined less than 90 days ago. I couldn't afford to make the whole payment at once and had split it into three payments. Two had been made, and the third was actually made a few days before this call, though it hadn't posted yet. Sending collectors after a debt that's less than 90 days past due, with payments made along the way, is just bad business. 

Note that there had been no written communication, no statements sent after the initial one indicating that any payments had been made or what the updated balance was. Furthermore, my credit report shows less than the actual balance owing, the Chrysler Capital website shows a different amount less than actual balance owing. I have no way other than my own accounting to know what the true balance due was - the amount the collector agreed was the balance. They never sent me anything that showed I owed the amount that was actually still due on the account or asking for that payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America is at it again. I JUST filed a complaint on funds availability on this same account! I am a customer of theirs for over 33 years. 

I opened a new business account about a month ago. I understand new accounts are closely scrutinized - but not existing customers who have been a customer for a THIRD of a century!!! 

I made a {$7900.00} deposit about XXXXXXXX XXXX on Monday, XX/XX/XXXX. I realize this is considered a deposit on Tuesday, XX/XX/XXXX. All I ask is they follow XXXX XXXX. This means two things : 1. {$100.00} of the deposit should be available on Wednesday, XX/XX/XXXX at XXXXXXXX XXXX ( it may even be {$250.00} now. Not sure ) 2. The remainder of the deposit be available Thursday, XX/XX/XXXX. Yet, according to Bank of America, the funds will not be available until Saturday, XX/XX/XXXX due to a hold. 

Again, I have been a customer for 33 YEARS!!! I think I deserve to be treated as an existing customer! 

I have attached the following : XXXX and XXXX : A screenshot pf my account with today 's date and time, showing the hold. 

XXXX  : A front and back copy of the check for {$7900.00} deposited on XX/XX/XXXX. This check is drawn from the exact same client 's account as my two initial deposits of {$1000.00} on XX/XX/XXXX and {$380.00} on XX/XX/XXXX. 

Please get them to release my funds based on XXXX XXXX. Again, I have been a customer for 33 years!

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 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have a dispute on my credit report for a medical bill with XXXX XXXX. The contact information listed for the creditor on my credit report is wrong. I have called that number many times and it doesnt connect. I have XXXX  numbers to call and none of those numbers work as well. I have called XXXX Hospital as well but I need my bill number which I dont have since this is from years ago. I have tried to paid and can not get in contact with anyone to pay. Please remove this from my score.

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 2021-03-02
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
There are three bankruptcies on my credit report and they are not mine and one collection from a company I have no clue about or an amount that is not mine.

Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : XXXX ( XXXX ) Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: AL
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:
Credit information was lost in national breach. There is no way around not having all your information automatically reported and out there to be stolen from negligent reporting agencies. Freezing your credit report should be free. There should not be a fee to protect yourself, especially with as little care as these companies have protecting your data.

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 2022-09-22
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX has my account on collections which should not be in collections. Previously XXXX has said after submitting my insurance card at the time they will delete all collections that happened after that. In my attachments it's clearly shows I had insurance PRIOR to the collection date. I'm asking the beaurus to do their due diligence and the facts I presented to have these items deleted. And not just accept the companies response of " account is verified ''. I'm also uploading my license and social to verify myself so the besrud don't mail me asking for 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 non-monetary relief
Consumer complaint received 2019-12-15
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
At the beginning of XX/XX/2019, while vacationing at the XXXX XXXX in XXXX, Florida, I was sold a conversion of my time share unit with the particular resort. As part of the sale, I was offered a Barclay 's XXXX XXXX   XXXX that was represented by XXXX XXXX personnel that sold/signed me up for the promotional account that it was to be the first six months interest free. Upon my return home, in XX/XX/2019 ( within the first six months of receiving the card and opening the account ), I used the card for a purchase in the amount of approximately {$1300.00}. I was intending to pay off the balance in monthly installments of {$300.00} per month in order to take advantage of the first six months interest free promotion. I was shocked upon receipt of my first statement to discover that I was being charged interest on the balance in clear violation and disregard of the representations made to me by XXXX XXXX personnel. I called XXXXXXXX XXXX twice in XX/XX/2019 in an attempt to obtain a copy of the agreement and application I had signed but did not receive any documentation. After the second call, the number that I had was no longer being answered ( straight to voicemail ). I then reached out to Barclay 's on XX/XX/2019, where I told that if I paid the balance in full before the next statement there would be no interest. Obviously, I countered, that if I paid the balance there could be no interest since the amount would have been paid in full and thus there would be no need for a first six months interest free promotion. After I explained the ridiculousness of their position, their representative then changed the position and said that only XXXX XXXX   purchases were interest free for the first six months. Again, I countered with the fact that this limitation was never stated and was a violation of the general nature of interest free purchases. Nevertheless, after having got nowhere, I called XXXX again on XX/XX/2019. On XX/XX/2019, I spoke with XXXX XXXX from XXXX XXXX who implicitly agreed that the particular card was marketed as the first six months interest free. That was the last conversation with XXXX XXXX personnel on this matter despite trading phone calls and receiving a letter seemingly dismissing my concerns. I believe that I have been subject to a blatant misrepresentation and fraudulent marketing scheme perpetrated by Barclay 's bank, through their agent XXXX XXXX and that both are equally responsible for the fraudulent misrepresentation of a promotional six months interest free period.

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 2021-03-02
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: Public record information inaccurate

Complaint:
There are three bankruptcies on my credit report and they are not mine and one collection from a company I have no clue about or an amount that is not mine.

Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : XXXX ( XXXX ) Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : Unverified account

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 2023-07-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have contacted XXXX regarding some information that is reporting on my credit, such as collections, phone numbers addresses that does not belong to me due to identity theft XXXX gave me the runaround and does not want to help me resolve this issue regarding that in accurate information that is reported on my credit, which is a violation of my rights.

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 2019-12-15
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My situation is XXXX XXXX XXXX negatively reporting my car loan. I sent a letter to the president of the company requesting that the negative reporting status of the account be updated. The account hasnt been behind in nearly a year and should report as Pays as agreed or something similar. Im seeing the potentially negative account status in XXXX app and other report providers.

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 2021-12-11
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
When I went to pay my monthly payment I saw that there was a charge for {$140.00} to XXXX that I never made. I did order headlight bulbs and a passenger mirror for my wifes XXXX on XX/XX/XXXX for {$84.00} paid from my checking account via XXXX. I haven't ordered from XXXX after that and the nearest order previously was on XX/XX/21 for {$110.00} for tie rod ends for my truck. I never ordered anything on XX/XX/XXXX and I never recieved anything and there's no history of that in my account. Chase stated they " found no evidence of billing error.. '' and '' The charge will remain on your account '' I'll attach the letter signed, XXXX as evidence along with everything I sent Chase as they requested. 

Weeks from getting the denial letter from Chase signed by " XXXX '' I went to pay my bill and saw multiple fraudulent charges to " XXXX '' and XXXX cash cards. Credits and returns for $ XXXX. Several. And then they got right on it apparently, but the {$140.00}, not so much. I've still seen no credit for this. Despite everything I've seen zero evidence in my account that this has been credited back to me and all the interest withdrawn. They haven't done anything but shine me on with this XXXX charge. They refused to give me a transaction reference number and then later acted as if it was credited with the XXXX fraud. But it wasn't and still isn't.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-15
Company: Santander Consumer USA Holdings Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My situation is Santander Consumer USA negatively reporting my car loan. I sent a letter to the president of the company requesting that the negative reporting status of the account be updated. The account hasnt been behind in nearly a year and should report as Pays as agreed or something similar. Im seeing the potentially negative account status in MyFICO app and other report providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX, Florida XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 


8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

11. The following personal information is incorrect Account Number : ALSO KNOWN AS : 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 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Disputed item on my credit report with the credit agencies and creditor. Received a message that account was Now resolved by data furnisher. This account is not mine and has resulted in financial damage preventing me from renting, applying for a mortgage, and results to high interest rates when applying for credit. 

pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I requested that creditor re-verify this account and that the inaccurate items be deleted from my record. Creditor and credit agencies must not list incorrect data as an accurate credit report is my right.

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 2021-01-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Last month, after 26 years of being a loyal consumer with Chase Bank, they reduced my credit limit. This month I received a notice that if I miss a payment, my interest rate may go up to 29.99 % and indefinitely stay there. They give you the option to reject this rate increase, yet if you reject it, your account is cancelled. ... In the last 26+ years I have missed two payments. Neither of which occurred in the last year or longer. For this to happen durning a pandemic is disturbing. If this is how I am being treated after a near perfect, three decade history and a mid XXXX credit score, I cant imagine how they are treating those who are truly struggling during this time. 

I will never give Chase Bank or its subsidiaries my services again. I will also be sure to spread the word. Simply disgusting.and disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: MN
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Payment Info Status Current, was past due 30 days two times Updated on XX/XX/XXXX Past due amount - Original loan amount - Monthly payment {$650.00} Late payments XX/XX/XXXX XX/XX/XXXX However I dont agree with reporting me past due for these two months. The reason being, I personally on numerous occasions requested a due date change. 
XXXX XXXX stated they lost my paperwork. I complained to the highest department. 
I reported it as inaccurate information with the major credit bureaus. This is impacting my score. I even signed documents to change my due date. Had my due date been changed as requested I would not have been reported late due to a 15 day grace changing a due date provides.

Company response to consumer: Closed with explanation