BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-01
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: Their investigation did not fix an error on your report

Complaint:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX/XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-08-31
Company: Yamaha Motor Finance Corporation USA
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX of 2019, I purchased a four wheeler from XXXX XXXX XXXX XXXX located in XXXX Maryland and financed the atv through Yamaha Financing. While signing all of the necessary paperwork to finance, I was never informed of the interest rate, and the monthly payment. When asked I was told Yamaha Financing would be in contact with me. I then asked again if I could set up  direct deposit for my monthly payments and received the same response. After the purchase of the atv I called Yamaha Financing after being told they would contact me after they received the paperwork from the dealer that never happened and to my knowledge set up an account and added my credit card to the file to obtain the direct deposit without any worry. I was assured that everything was okay and that the direct deposit would have been handled after speaking to a representative and thoroughly setting up an account. They did inform me of the interest rate, monthly payment, etc, however this apparently was not done properly on their end without my knowledge. After I realized something was hitting my credit score drastically I did some investigation and learned the direct deposit was not going through after I was under the impression everything was set up and confirmed through the finance department. Immediately I took action and once again called Yamaha Financing and after transferring through multiple different people at this company they told me an account was never set up and that I had missed payments. To make the situation worse because I " supposedly '' missed payments they froze my account making me unable to look at it or pay until they did an investigation and only a specific person there could unfreeze it and it took more time, adding onto the late fees. I paid the late fees because I was more worried about my credit score and missing a payment although I feel as if it was not my fault, I was unaware and under the wrong impression after all with Yamaha Financing. After multiple phone calls, created and recreated accounts with Yamaha, and speaking to the bank I finally confirmed that my direct deposit was going through and made sure I then saw it coming out of my account each month, however, now it has left with a huge hit to my credit score which I see as unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: Cascade Mortgage, Inc.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/19 I submitted information to Cascadeloans in regards to a pre-qualification letter for a mortgage. 
I was never contacted about the submission of information by Cascadeloans via phone or email. 
The next morning ( XX/XX/19 ), I observed a hard inquiry on my credit report by XXXX via XXXX XXXX XXXX XXXX XXXX, resulting in a XXXX XXXX decline. 
Cascadeloans has been unreachable after email & phone call attempts of contact. 
I DID NOT AUTHORIZE the hard inquiry of my XXXX XXXX by XXXX via Cascadeloans. 
I am requesting this hard inquiry to be removed from my credit reports immediately.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-21
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SEC : XXXX DOB : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, COCOA, FL XXXX XXXX Opened XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( XXXX ) In general No person XXXX company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( XXXX XXXX Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ). 
XXXX XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- XXXX A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious RADIUS I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC : XXXX DOB : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, COCOA, FL 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 explanation
Consumer complaint received 2020-10-23
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have a total of XXXX accounts that were purchased by XXXX XXXX : 1 ) XXXX XXXX with a balance of {$3500.00}, 2 ) XXXX XXXX with a balance of {$3500.00}, 3 ) Synchrony Bank/Care Credit with a balance of {$1200.00} and 4 ) XXXX XXXX BXXXX  with a balance of {$2000.00}. Unfortunately, I defaulted in all these credit cards due to a hardship and ended with them, all accounts are in a legal status, so this company is about to suit me. 
I am doing my best to prevent a big lawsuit from this debt buyer and later pay more money in interest and legal costs. I decided to work 2 of these accounts XXXX XXXX XXXX and XXXX Bank XXXX XXXX to show this debt byer I have good faith intention to resolve my debt and to alter work on another XXXX. 
My representative ( who called on my behalf ) contacted this company and after several attempts he got an offer for 60 % settlement for the XXXX XXXX and XXXX Bank XXXX accounts, thing that is great for me. The only issue is that the debt collector is asking for a single payment and I am not in the position to pay this settlement in a lump-sum, thing that is sad because if I dont pay this, and since the accounts are placed in a legal department, I will get suit and due to interest and court fees the balance will increase. 
I am just asking for help to split this offer in payments, I am getting the money form a family loan but since XXXX pandemic started is hard to put together $ XXXX together and no one in my family have that money. But I already made the arrangements, and I can afford payments of {$800.00} per month. Even we can work all for in once.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: EQUIFAX, INC.
State: AR
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:
A certified letter was received by Equifax on XX/XX/XXXX on my behalf requesting 100 % accurate verification in accordance with the Fair Credit Reporting Act, section 609, 611. Equifax failed to provide proper validation for the following accounts, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX. Equifax processed my investigation electronically or through the XXXX verification process and didn't provide any original documentation obligating me the accounts listed above. Equifax is in violation of the Fair Credit Reporting Act and should immediately remove the accounts in question from my Equifax Credit Report. More than 30 days has passed and yet 100 % accurate verification has been provided on Equifax Consumer Reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX XXXX {$630.00} XXXX/XXXX   XXXX {$310.00} XXXX  XXXX {$8900.00} XXXX/XXXX  XXXX {$670.00}

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 explanation
Consumer complaint received 2020-05-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was surprised to find out week fargo discontinued their secured credit card and would like to know why it was a good product to help establish credit

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 2020-08-31
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Dear Sir or Madam : I am notifying the FTC that my identity has been stolen and used for fraudulent purposes. 
My personal information is as follows : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Someone has used my identity to engage in the following type ( s ) of fraudulent transactions : * Credit cards * Loans * Phone or Utility * Internet or email * Other : Someone used my info in an attempt to obtain credit and loans The following is a description of the identity theft incident : As a result of the XXXX XXXX  Data breach my information was leaked and someone used it to apply for credit and loans in my name ans as a result this stuff is one my credit reports.

I have also experienced the following problems as a result of the identity theft : * Denied credit or other financial services.

In addition, I have lost 60 hours between XXXX and XXXX hours of my time due to the identity theft. I don't know if the identity thief used the internet to open accounts or purchase goods or services. 
I have the following information regarding the identity thief : I have no clue. 
I have contacted the following credit bureau ( s ) : XXXX, Experian and XXXX  :. 
* regarding the identity theft and to report the fraud. 
* to put a fraud alert on my report. 
* to order a credit report. 
I have had the following problems with XXXX  and XXXX  : They refused to remove the inquiries without a police report and those applications for loans or credit have stopped me from being able to obtain credit or loans. 
I have not contacted the police department and filed a police report. Therefore, no police report is attached. 
I have had the following problems with companies that I contacted regarding my identity theft : They have been uncooperative. 
Please contact me at the above address if you have any questions or need additional information. I may be contacted by email at XXXX. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 explanation
Consumer complaint received 2018-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was recently the victim of an apartment sub-lease scam where I sent money to a fraudulent agent. The perpetrator was convincing and had email addresses matching the domain the apartment, with no warnings in my XXXX indicating they were from a fraudulent source.

We began email communication on XX/XX/2018, and I dispensed funds ~ XX/XX/XXXX and ~XX/XX/2018.

Our exchanges went via email and I transferred {$4000.00} ( XXXX XXXX USD ) through the XXXX   ' service on my Bank of America account, later to learn this was a fraudulent agent displaying false documentation.

I mistakenly deemed this money transfer method as safe, having placed trust on Bank of America ( 5+ year account ), the superb fraud prevention track record I'd experienced with them, and mistakenly assuming 'XXXX ' had transaction protection features such as those of XXXX. I was mistaken ; later to learn this is a salient issue.

The BoA phone assistance politely informed me two days ago they would request the perpetrator to return the funds, and that this is the sole path forward. An unlikely event.

The email and the alleged name used by the perpetrator : XXXX XXXX   <XXXX> The perpetrator 's alleged banking information : Account holder name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX   Swift Code : XXXX Bank name : XXXX XXXX XXXX  address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX Home address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA 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 explanation
Consumer complaint received 2020-08-31
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Dear Sir or Madam : I am notifying the FTC that my identity has been stolen and used for fraudulent purposes. 
My personal information is as follows : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Someone has used my identity to engage in the following type ( s ) of fraudulent transactions : * Credit cards * Loans * Phone or Utility * Internet or email * Other : Someone used my info in an attempt to obtain credit and loans The following is a description of the identity theft incident : As a result of the XXXX Equifax Data breach my information was leaked and someone used it to apply for credit and loans in my name ans as a result this stuff is one my credit reports.

I have also experienced the following problems as a result of the identity theft : * Denied credit or other financial services. 
In addition, I have lost 60 hours between XXXX and XXXX hours of my time due to the identity theft. I don't know if the identity thief used the internet to open accounts or purchase goods or services. 
I have the following information regarding the identity thief : I have no clue. 
I have contacted the following credit bureau ( s ) : Equifax, XXXX   and XXXX  :. 
* regarding the identity theft and to report the fraud. 
* to put a fraud alert on my report. 
* to order a credit report. 
I have had the following problems with Equifax and XXXX  : They refused to remove the inquiries without a police report and those applications for loans or credit have stopped me from being able to obtain credit or loans. 
I have not contacted the police department and filed a police report. Therefore, no police report is attached. 
I have had the following problems with companies that I contacted regarding my identity theft : They have been uncooperative. 
Please contact me at the above address if you have any questions or need additional information. I may be contacted by email at XXXX. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XXXX XXXX XXXX NEEDS TO SEND ALL DOCUMENTS TO THE COURTHOUSE IN RESPONSE TO THE SUBPOENA SENT TO THEM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16
Company: EQUIFAX, INC.
State: CO
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:
XXXX XXXX is reporting incorrectly to Equifax ; XXXX  and XXXX  the verbiage on the XXXX XXXX  account number XXXX. ( Please see page 3 of the attached credit report. ) The current explanation is as follows : XXXX XXXX Account Foreclosure, etc. This language is inaccurate. This account was sold, NOT foreclosed. It is extremely important that the language being conveyed is accurate. This incorrect reporting is harming my credit score and I respectfully request that this language be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a XXXX phone and my service was spotty. I had dropped calls everyday. So, I went to the XXXX Store in XXXX XXXX, TX to see if I could get out of my contract. I was directed to call XXXX headquarters at the store. I was on hold for 18 minutes and they disconnected me. I compalined to the store manager and he said he would close out my account which he did. XXXX never sent me any bills to close out my account until I got a collections notice from XXXX XXXX XXXX. I never got written notice of my debt from XXXX. The store manager turned off our account and did not give me any information or charges for cancelling my account. This is unethical and bad business practice. I dispute all these charges as invalid and want these charges dropped from my account. The store manager at XXXX failed to execute his duty to inform. He just canceled the account and said everything was good. XXXX never notified me of any charges.

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 2019-08-16
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX XXXX is reporting incorrectly to XXXX ; Experian and XXXX the verbiage on the XXXX XXXX account number XXXX. ( Please see page 3 of the attached credit report. ) The current explanation is as follows : XXXX XXXX Account Foreclosure, etc. This language is inaccurate. This account was sold, NOT foreclosed. It is extremely important that the language being conveyed is accurate. This incorrect reporting is harming my credit score and I respectfully request that this language be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful.

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 2020-10-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have tried to dispute a XXXX account due to litigation & it being involved in the lawsuit with XXXX. Experian is the only credit bureau that continues to fail to do a complete investigation. My results come back the same day in less than three hours as updated but no information has been updated. I even added a statement and it still showed as updated with no information updated.

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