BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: Solar Mosaic LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My loans from Solar Mosaic have been requested to be canceled by their partner, XXXX XXXX XXXX, as the work was not completed. XXXX XXXX XXXX has requested that my loans be canceled. However, Solar Mosaic , Inc. continues to collect payments on XXXX XXXX XXXX XXXX XXXX I was notified that if a payment is more than 15 days late, I'll be charged a late fee of 5 % of the amount due or {$10.00}, whichever is less. 

These loans need to be canceled as XXXX XXXX XXXX did not complete the home improvement project and has sent an email to Solar Mosaic requesting the cancellation of the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: ALLY FINANCIAL 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:
went to buy a new car and the dealer sent to different banks for loans we didnt know about and affected our credit report didnt give them permission or they never told us going to do this

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 2021-03-15
Company: Caliber Home Loans, Inc.
State: MA
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:
Remains + 'icon ' Remains CALIBER HOME LOANS, IN Account XXXX This loan was settled we sold the house at a short sale and the lender agreed to list as pain in full.. it was already removed from my equifax and my XXXX XXXX .. this need to be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Between XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX  which involved me making deposits for a total amount of XXXX USD from my JPMorgan Chase account to fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
State: VA
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:
CFPB had a breech as well as all these other reporting agencies which causes me great concern with my information not being accurate. The addresses and employment information is mine i have attached my id and they still continue violating me, the information below is not mine 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 reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions to the consumer to whom it relates. 
CREDIT REPORTING AGENCY NAMEhas in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. 

I have enclosed copies of my state issued identification and social security number to validate my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27
Company: Bread Financial Holdings, Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Im writing because I noticed that in my credit report contains 1 late payment reported on XX/XX/2017 for my XXXX XXXX store credit card account. 
I want you to know that I understand how important my financial obligations are, now that I know more about credit and life, and if it werent for the miss confusion on your autopay, postdate payment, and paperless features on your website, Id have an excellent payment record with you. I understand that it is my responsibility to always keep an eye on my finance, but since then, I havent missed any payment and also paid off the balance if you look at your records. Thats because I decided to make my payments manually every month to make sure I dont miss one anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Bread Financial Holdings, Inc.
State: MD
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
XXXX XXXX took back our timeshare in satisfaction of money owed to them in the amount of XXXX. But XXXX transfer our mortgage loan for the said timeshare to a third party financial services which is the Comenity bank. Comenity bank keep bugging us to pay. We wrote to Commenity bank that we do not owe the money anymore as XXXX took the timeshare back in satisfaction of money owed. Comenity bank told us they will investigate and will inform us of the result of the investigation. We never heard from comenity bank. The next thing we know, they turn us over to a collection agency. The collection agency is

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-08
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Inaccurate Information reported to Credit Bureau. 

To whom this may concern, this is the XXXX time in a matter of months that my auto loan with this lender has reported an inaccurate balance and increase to the credit bureau. The first inaccurate report was corrected in a few days however, this second inaccurate report is now becoming frustrating. I am in the middle of purchasing a home and this incorrect information is becoming a burden to deal with. It makes being a consumer for this lender completely undesirable. Can someone please get back to me immediately with a response and a quick solution for rectifying this incorrect information once again immediately please. For the past XXXX years I have never had a problem with this lender. For the past XXXX  months, this issue has been completely ridiculous. I have attached the information that I need corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I made a purchase of bitcoin for $ XXXX using Coinbase Wallet- an app provided by the company Coinbase. I never received my bitcoin in return. My wallet continued to show a balance of XXXX. 

I called Coinbase support and was told they had to escalate it to another team as they can't directly see Coinbase Wallet. I received a support ticket saying they were working on the issue. 1-2 days later, I received an email asking me to provide my bitcoin wallet identification and a link to the transaction hash. I provided them this information. 

A couple more days went by and then I was notified by their support that the transaction was completed and they would be closing the ticket. Mind you, this was about 3 weeks to a month after I initially purchased this bitcoin. I still have yet to see any bitcoin. 

I followed up with Coinbase support and let them know that this issue is NOT resolved and I still need my coin. They followed up saying they are escalating the issue and support would follow up again. 

A few more days went by and I reached up to followup saying I still had not received my coin. They responded saying they are looking into it. It has now been about a week since then. 

I can provide the email thread between myself XXXX their support team. I've asked for a refund of my money if they can't provide the bitcoin. They just keep telling me they are looking into the issue. As of now, I tried some troubleshooting steps they had me do with the Coinbase Wallet app and now my app doesn't even seem to connect to a working wallet as it just says " looking for coins ''. 

Please let me know if there's anything you can do to help! 

Thanks, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: OH
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:
My son was in a XXXX XXXX in XXXX the bill was submitted to insurance but a creditor put it on my consumer report and took me to court. I showed in court with the proof of payment and the judge dismissed the case on XX/XX/XXXX. 

I have submitted proof to the credit bureaus and to the collection company who keeps telling me the attorney never updated anything after court and they won't remove this from my consumer reports. 

I have all the court papers plus the paperwork from the XXXX XXXX XXXX showing where they paid this claim. It should have never been placed on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: EQUIFAX, INC.
State: MN
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 on numerous occassion to get an issue resolved with the credit bureaus ( XXXX, Equifax and XXXX ) without any success. Today I'm looking at some correspondence I recieved from you in regards to the account -referenced XXXX and XXXX respectively. It's occurring to me that they appear to be the same account. At the same token, whenever I disputed this account with the bureaus, they all respopnded that the account is verified. I contacted XXXX XXXX through an attorney and the account under XXXX and this was removed from my report, however and even more disconcerting is that XXXX is referring to the same account which makes no sense to me. Additionally, after incestigating there's a XXXX account referencing the same account on my XXXX  credit report. I'm very frustrated and I'm hoping that you can assist me in getting some clarity to this madness. 

Much Appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX Has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 consumer reporting agency may not furnish an account without my written instructions, under 15 USCs 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Attached you will find previously sent documents.

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 2019-07-10
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I went on XXXX XXXX  and noticed my score had gone down, went to check out why and seen something from XXXX XXXX  and enhanced recovery company ... I also seen that it had come from XXXX and XXXX dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ... I didnt have neither one before, I called and it the rep said it had come from an address Im XXXX XXXX, Florida I have never lived in Florida ever ... .I have also never had XXXX XXXX  nor XXXX XXXX  ... I need this taken off because it if affecting my credit score ... This is obviously identify theft and fraud..I have never received bills from here which proves that is was not done by me, I havent received any notifications ... if it was not for me checking my score I wouldnt have known nothing of this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following information does not belong to me, I 'am a victim of identity theft. 
Reason Code : This account is not mine and is a fraud. Please delete it from my report. 
Instructions : In compliance with the Fair Credit Reporting Act ( FCRA ), you are required to verify the debt and confirm your original signature by the FCRA 's obligations for validating a debt. And if you can not validate the debt, then the account must be deleted immediately. 
Provide a detailed log of dates and times of attempts to contact our client, and explain your relationship to the alleged account creator. Specify if this is an assignment or a purchase of the account. Also, furnish the account details for the past year and any applicable collection fees or interest. If you're a third-party collector, submit your license or bonding information to confirm your identity. Failure to comply with these questions will result in the removal of the aforementioned fraudulent tradelines from the credit report due to the violation of our client 's consumer and privacy rights. You are hereby required, under the XXXX XXXX 's regulations, to : a ) Validation of the debt refers to checking the accuracy of accounting. 
b ) XXXX of signed Invoice. 
c ) A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
d ) Please provide the original document and a wet signature. If you can't provide these items, then you must delete them. 

Let it be known that XXXX XXXX has suffered substantial financial loss, harm, and aggravation due to this erroneous reporting. With the foregoing in mind, our client prefers to avoid litigation but stands ready to exercise his or her respective rights should the need arise. Nevertheless, our client ( XXXX ) seek the removal of the aforementioned account. And if the accounts are not removed within XXXX days of receipt we shall seek a reasonable settlement offer for {$25000.00} in consideration of the financial loss and distress our client has suffered because you failed to comply with the FCRA statutes. You shall pay on XX/XX/2023, the sum demanded if the accounts listed above are not removed by XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22
Company: MARINER FINANCE, LLC
State: MD
Product: Credit reporting 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 a charge off account with Mariner Finance That's has been paid and settled. This is still showing up as a charge off on my credit. Can you please remove this from my credit. I have received a 1099C.

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX US DEPT . OF EDUCATIO 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 2023-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
An unauthorized transaction on my savings account of {$9400.00} was taken from my bank of america account and deposited to a XXXX XXXX account thru XXXXXXXX XXXX on XXXX XXXX. Bank of America denied my claim stating because transaction was done under my name. I did not make these transactions Bank of America needs to investigate further and see who did this illegal transaction without my consent. In turn the {$9400.00}. XXXX of my funds need to be redeposited into my 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 monetary relief
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

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 2022-12-17
Company: EQUIFAX, INC.
State: MI
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting 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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-05-08
Company: EQUIFAX, INC.
State: NY
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND XXXX XXXX XXXX XXXXXXXX XXXX XXXX 1 LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$4000.00}  XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXXXXXX Balance : {$4000.00}

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