BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-19
Company: WELLS FARGO & COMPANY
State: NY
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:
Someone stole my identity and opened many accounts without my permission or authority.

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 2021-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 inquires that are not mine and XXXX is refusing to delete. The inquire is Capital one bank use on XX/XX/2021 2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22
Company: Yamaha Motor Finance Corporation USA
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX I purchased a Yamaha Jet Ski from XXXX XXXX  XXXX XXXX   in XXXX, Ohio. They arranged financing through XXXX XXXX which was serviced by XXXX XXXX Therefore, the Title to the Jet Ski in the State of Ohio has a lien against from XXXX XXXX. In XXXX of XXXX, Yamaha Financing took over the Loan from XXXX XXXX. On XX/XX/XXXX I paid off Jet Ski with a final Lump sum payment of {$6600.00}. At that time, Yamaha Financing who I made final payment too, told me it would take 15-30 business days to send me the title. Since that time frame expired, around XX/XX/XXXX have been making multiple phone calls to Yamaha Financing and XXXX XXXX. Yamaha Financing continues to repeat they are waiting for " title '' from XXXX XXXX, XXXX XXXX says everything was transferred to Yamaha Financing in XXXX of XXXX. By my count we are at 60 Business Days since I made final payment, I feel I should have my title by now, I do not understand how Yamaha Financing can take my final payment of {$6600.00} while XXXX XXXX still has a Lien against title. Or how XXXX XXXX can still have a lien against my Title if they transferred everything to Yamaha Financing in XXXX of XXXX. Do I have any legal rights as far as getting the Lien removed in a timely fashion after making final payment coming up on 3 months ago?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with The Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A-section2 also states that a consumer Reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: EQUIFAX, 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:
Equifax, XXXX ad XXXX were sent dispute letters of payment history on the following accounts that have been reported as " late ''. They have violated the FCRA Laws and reported inaccurate payment history on my reports. I need them to have them updated as pays as agreed. 
They have violated my consumer rights on accounts for XXXX XXXX and for XXXX XXXX 
The following laws have been violated and they need to be corrected now. 

15 U.S. Code 1666 B Section 604 Correction of billing errors 15 U.S. Code 1681 Sec 602 Permissible purpose of consumer reports.

15 U.S. Code 1681 Sec 604-2 15USC 1681 S-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. If any person knows or has reasonable cause to believe that the information is inaccurate.

You are PROHIBITED BY LAW to furnish inaccurate information. I demand you Cease and Desist the reporting of incorrect/inaccurate information immediately.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is my final opportunity to Cure and UPDATE This Erroneous, Inaccurate reporting on my accounts from my Consumer Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Chime Financial Inc
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
Chime bank sent a card with a full account created. Trying to close this, but there is no one to call. The one number they provide is a bot, and nothing matches to the account anyway. They are very hard to get a hold of. It seems this is a common theme with this bank. There is lots of fraudulent accounts being opened. Luckily the card was sent to the office. None of the other info seems to match as I can tell yet. No idea who set up this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : TRANS UNION XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion

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 2021-07-19
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:
Upon research of the Fair Credit Reporting Act removing and replacing an item on a persons credit report is Illegal and this company XXXX XXXX had removed this account from my credit report on XX/XX/2021 and then placed it back on my credit report XX/XX/2021. XXXX XXXX needs to be removed from my credit report permanently. This account is not mine

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 2021-04-10
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get multiple phone calls a day from different numbers that claim to be midland credit managment. I answer the calls no one says anything. Sometime I get a call at least once every hour of the day. Im still not sure what debt they are trying to collect on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2022 I submitted a dispute concerning reporting of all three credit reports not showing on my XXXX account. I was unable to see all three because of information not matching on the reports. I was told to fax over information from both XXXX and Transunion showing the most recent reports and to send over personal documentation. I have done so a week later. I am still til this day not able to see all three reports on my XXXX page. I would like to get this matter resolved as I have done all I was instructed to do on my behalf. Please assist in helping me be able to see my reports. The complaint numbers for each bureau are as follows : XXXX- XXXX, XXXX- XXXX and Transunion- 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 2023-06-01
Company: Experian Information Solutions Inc.
State: TX
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:
I was alerted that someone opened an account without my permission. This account is a fraud, and I am a victim of identity theft. Please remove this account from my credit report. 

XX/XX/2023, account was opened for a a total of {$300.00} dollars. 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 2023-10-02
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
In the morning of XX/XX/23 I woke up to an email from Chase that my credit card application was received. I never applied for a credit card, so this is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX # XXXX, XXXXDEPT OF ED # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: MS
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 did not consent to authorize nor benefit from the following account ( XXXX ). Block and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/XXXX, Equifax. I checked my Equifax consume credit report online.My name is incorretly spelled out. My XXXXersonal Information show that I lived in XXXX different address at the same time. Check the DATES. THE DATES ARE INACCURATE. XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX and XX/XX/XXXX CURRENT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. The former address is inaccurate. The former address needs to be deleted. The current address is inaccurate. The XXXX XXXX should not be added. The current addres need to be updated. I have added documents from the Equifax website and documents of my address were I have been living sents XXXX. I couldn't have lived at another address in XXXX. That's Impossible. This is a violation of 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
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: Personal information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2020-07-22
Company: Shellpoint Partners, LLC
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: Account status incorrect

Complaint:
In the midst of COVID-19, I never completed a forbearance application from New Rez at Shellpoint Mortgage Servicing which they processed anyway even though I called to tell them I did not agree to this and have been making all my monthly mortgage payments. It now appears on my credit report which is keeping me from refinancing my house at a great low rate until it gets corrected and shows that my mortgage loan is not in forbearance. It has been almost 2 weeks since initially contacting New Rez when my refi loan  officer told me they could not process my loan until this credit report information was corrected by New Rez. I have taken notes and talked with a number of representatives but keep getting the run around. I have tried to follow their recommendations and emailed the XXXX XXXX XXXX and called and emailed the " authorized point of contact '' person but have been completely ignored by them. I do not want to lose this low interest rate refi loan opportunity and 2 weeks is plenty of time for their error to be corrected. I want this corrected by them immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I went to use my value city credit card today XXXX and was told I closed my credit card, I havent closed anything I have hood credit plus I paid this credit card on time, I expect this Company to activate this card again. Dont understand why they would closed without permission. A lot is going on with credit during this pandemic.

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 2020-07-22
Company: EQUIFAX, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon XXXX possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Credit Control, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a credit card with XXXX  XXXX XXXX around 2-3 years back. I paid what I owed and claimed identity theft because my ex-husband was using my credit card afterward. It's been two or three years since that credit card account was closed. I already filed several claims as well in XXXX XXXX XXXX as well. Now, I have some collection agency under Credit Control , LLC from Missouri that claims I owe {$2400.00} to XXXX  XXXX XXXX and that they'll take that money from my accounts. They've repeatedly called and mailed me to pay them the money.

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 2023-04-09
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear All, It is more than a year that I have been asking for a partial release from BSI, have tried reaching to supervisors and even the president but have received no reply. 

Our mortgage with BSI is against the XXXX XXXX XXXX ( XXXX XXXX, XXXX # XXXX ) ; our Home Mortgage number is XXXX. However, perhaps in an error, the adjacent land next to this property ( which also belongs to us ), XXXX XXXX, is also included in the load documents including a lean of the bank, which is why I have requested ta partial release of XXXX XXXX. I made this request frequently since XXXX of XXXX ( below the start date ). However, there has not be even a single reply from BSI. Since we now have a new construction on the lot of XXXX XXXX XXXX, I have again frequently requested by phones and emails that XXXX conducts this partial release. 

This XXXX XXXX XXXX is a parcel separate from the XXXX XXXX XXXX. XXXX CA XXXX, which is the subject of our BSI mortgage and we request to be released ( as a partial release ). 

Example of email communication dates : " From : XXXX XXXX XXXX Sent : XX/XX/XXXX XXXX XXXX  To : XXXX XXXX Subject : Home Mortgage number XXXX -issue of the adjacent land XXXX XXXX XXXX ISSUED '' " From : XXXX XXXX XXXX Sent : XX/XX/XXXX XXXX XXXX  To : XXXX XXXX Subject : Fw : Attention- XXXX XXXX Per our call today-Home Mortgage number XXXX -issue of the adjacent land XXXX XXXX/ XXXX ISSUED '' " XXXX XXXX XXXX Dear All, I would like to request a partial release of XXXX XXXX XXXX. Our mortgage number is XXXX Mortgage number XXXX. 

This is a parcel separate from the XXXX XXXX XXXX. XXXX CA XXXX, which is the subject of our BSI mortgage. 

After several calls, one of BSI customer service agents indicated that I need to fill a form and that I will receive this form. I never received it, I searched online and found the attached form, which I filled to the best of my knowledge. 

I have also attached a survey and a few other related documents that clearly show the adjacent land is not part of XXXX XXXX, and may be removed / released. "

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXX XXXX, rights of privacy have been violated and breached by this bureau which could be a direct violation of federal law. This bureau is reporting incorrect data on their site and according to the government law, it is the bureau 's GRAVE Obligation to guarantee reasonableness, unbiasedness, and a regard for the consumer 's right to privacy. This bureau is additionally in infringement of federal law by putting inaccurate accounts on their site without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Synovus Bank
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This card was consider card to help rebuild and repair credit but due to lack of being able to speak with live rep, hard time paying the card besides using checks which I do not have it became a nightmare. I used my own funds for this account and now it is showing negative and closed despite having enough funds to end balance. This has negatively affected me and my credit in ability to obtain future assistance.

Company response to consumer: Closed with explanation