BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry on my report is not from me I am not sure what this is, but I do not have any open accounts with this company SYNCB/PAYPAL ( Bank ) I would like for this company to prove that this is my account or inquiry because I do not have knowledge of this company.

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 2021-03-17
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 is missing that should be on the report

Complaint:
add my XXXX card from 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 2022-01-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity fraud. Someone opened accounts under my name without my knowledge XXXX date opened XX/XX/XXXX XXXX date opened XX/XX/XXXX XXXX date opened XX/XX/XXXX XXXX date opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I ws a victim of XXXX and my accounts ( closed, delenquent and collection status ) were overtaken by XXXX from the criminals that had influence over my finances after XX/XX/XXXX and through XXXX XXXX I sent them a letter in compliance with their rules reguarding XXXX XXXX victims. 

They have not responded to that specific claim of account being stolen and reported information as accurate. I have tried to resolve this several times. 

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

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 2023-10-07
Company: Solar Mosaic LLC
State: OR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
Mosiac Solar in conjunction with Freedom Forever solar are engaged in ongoing fraudulent behavior. I've attempted for over a year to have freedom either build my project, or return my money. They haven't done any work, and have spent a year gaslighting, ghosting and otherwise operating in bad faith. Now Mosaic is demanding I begin making monthly payments for a solar system that was never installed. 

I've tried numerous times to work with XXXX XXXX and I've tried numerous times to have mosaic cancel the loan, all with no success. I am now being billed payments, and harassed daily to make payments for a {$70000.00} loan agreement on a contract that was never initiated, much less completed. 

Call me crazy, but you can't go door to door selling {$70000.00} pieces of paper and expect to get a monthly payment, yet that's precisely what they are doing. 

I've memorialized all correspondence for a period of over a year. Meaning, I have a file, but I am not including any supporting documentation at this point primarily because I wouldn't know where to begin. I will provide the entire file upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: ORG GC GP Buyer, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX  robocalls me daily about medical debt in a city I dont live in ( XXXX ) 300 miles away, when I verifiably have no outstanding debts and good credit. Phone numbers they have used are XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX. They actually tried this same scam years ago on the same kind of non-existent debt in the same city ( XXXX ). Ive had enough. They need to be punished severely for scamming XXXX knows how many people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have over {$1.00} XXXX tied up on coin base exchange. XX/XX/XXXX my password was suddenly not working. I tried to contact coin base but there is no phone support and when you email them you just got an automated response. The only available phone number allows you to lock your account for security reasons which I did. That was also automated. Once I locked my account it said it would take XXXX to XXXX business days for a representative to review it. 
It has now been just about a month I have no access to my funds and no way of contacting anyone at coinbase. I have read on XXXX that many many many people are experiencing the same issue. Client base charges 2 % for every transaction they do and they are doing billions of dollars worth of transactions yet they can not hire a support staff to even answer emails let alone have an open telephone line. I believe this borders on fraud and their site is greatly miss leading to the public. I am not alone in this but I have a huge sum of money but I have no access to. It is causing me emotional distress and financial hardship. I went as far as to try to email the CEO on XXXX of course I got no response just like the rest of the company. Feels like a sham smells like a sham

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-23
Company: Block, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
on XX/XX/XXXX I filed a dispute with cash app for unrecognized charge of {$52.00} a purchase from XXXX XXXX XXXX cash app gave me a provisional credit of {$52.00}. on XX/XX/XXXX cash app reversed the provisional credit without any prior notice therefore making my account negative. ( Section 205.11 ( d ) ( 2 ) ) " Upon debiting a provisionally credited amount, the financial institution shall notify the consumer of the date and amount of the debit and of the fact that the financial institution will honor ( without charge ) checks, drafts, or similar paper instruments payable to third parties and preauthorized debits for five business days after transmittal of the notice. The financial institution need honor only items that it would have paid if the provisionally credited funds had not been debited '' cash app is not in compliance,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Revco Management, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection agency is furnishing an alleged debt that is on my consumer report ( XXXX ) The collection Agency Revco which is on XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2021 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. The comapny has also violated these laws. 

- 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication.

- 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days. 

There is over {$10000.00} listed in violations of the FDCPA and if this issue is not resolved i will pursue litigation with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: MoneyLion Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, my unemployment payment of {$1500.00} was deposited into a MoneyLion fraudulently opened account after a scammer/hacker hacked into my unemployment account and changed my banking preferences. I contacted unemployment and they had me to change my banking information back to my routing and account number as well as change my login pin. Unemployment was not able to retract the payment. The routing number of the fraudulently opened account is XXXX and the account number is XXXX. I contacted MoneyLion on XX/XX/XXXX and told them what happened. MoneyLion confirmed that the money was still in the account and submitted a fraud report to their fraud department and said someone would contact me within 24-48 hours. When I didn't hear from anyone after the 48 hours, I contacted them on XX/XX/XXXX and was told that they won't contact me via phone, but will contact me via email and I wasn't able to speak to the fraud department. They also said that my ticket ( XXXX ) was closed, but couldn't give an explanation as to why it was closed. They opened up another ticket ( XXXX ) and told me someone will contact me via email within 24-48 hours. I still didn't receive a phone call or email within the specified time frame so I contacted them again. On XX/XX/XXXX, I was told that approximately {$900.00} of my money was recovered and they were working to recover the remainder and would contact me at the end of the week with an update. On XX/XX/XXXX, I spoke with XXXX at MoneyLion and he told me all of my money was recovered. So I asked when it would be returned to unemployment so that I could contact unemployment after it was returned. He couldn't give me a date so I asked to speak with a supervisor. The supervisor, XXXX said that the money wasn't recovered so my question was why would XXXX say that it was recovered. He said he didn't know so I asked him to ask XXXX why he made that statement and I asked why would the representative that I spoke to on XX/XX/XXXX say that approximately {$900.00} was recovered. He didn't have an answer for that either. My next question was whether or not the money was still in the account. The supervisor said that the money was withdrawn from the account on XX/XX/XXXX and wasn't recovered and that they would not be returning any money to unemployment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I tried to refinance my home as I have a XXXX XXXX and want a G.I. loan. 
CFPB has done a great job of canceling loans I did not make. There were a few bad checks written on my old checking account which I am not on. 
I honestly do not know of any charges I owe that I do not pay. All of the three credit reporting companies have my credit rated in the low 600s. XXXX score of XXXX, XXXX score of XXXX and Trans Union score of XXXX. 
I can and do pay cash for everything I have except the home mortgage, I do have a good monthly payment for that loan.

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 2023-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had a case open XXXX. Not sure why it was closed with the response provided back from Bank of America. I had enclosed a copy of my banks ( XXXX XXXX letters in which they sent to Bank of America and Bank of America not responding back. Now my complaint was closed out due to Bank of America stating I need to initiate a claim with XXXX first. This was done 2 years ago and I'm enclosing proof. Bank of America is refusing to respond or pay back the money they owe me.

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 2022-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AE
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 XXXX # XXXX Dates : XXXX, XX/XX/XXXX, XX/XX/XXXX, has violated my rights. 

In accordance with the fair credit reporting act Capital One # XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USCN 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX a report from XXXX XXXX XXXX placed a collection account on my credit reporting statong it was a collection for a XXXX account. I have not had XXXX service since XXXX.I disputed this collection and it was removed by XXXX XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX i received a report from now a XXXX XXXX XXXX the SAME XXXX ACCOUNT. Same amount and same information. I spoke with multiple people at XXXX and filed a " FRAUD IDENTITY '' case with XXXX as well. Provided all needed documents. XXXX has stated they can't file this case due to me not having a account with them. I have personally called an spoke with people from the XXXX XXXX XXXX which they are stating they have an account with my Telephone number but social and address are NOT correct. I filed with the credit bureau which also states this account was removed back in XX/XX/XXXX from XXXX XXXX XXXX. So how is it that the same information from the same reporting agency is with 2 different credit collections. On top of that this has been going on for 2 months. The collection company XXXX XXXX XXXX can not produce no type of documentation stating this is my account. But have stated the information they have is not matching my personal information. This is suppose to be removed after 30 days according to the Fair Credit Act. So why is this company not removing this FALSE report off my credit.. I was in the middle of buying a home and got denied because of this.. This needs to be handled accordingly to what the laws are or i will pursue to the next step to sue this company XXXX XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Medical debt is not mine, debt is my sons who has same name but different middle initial.

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 2023-10-07
Company: Sunlight Financial LLC
State: AZ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was approved for a loan for central AC installation. The amount financed was {$7500.00} at 12.99 % APR with automatic payment withdrawal from my checking account. I received a TILA disclosure from them on XX/XX/ showing the loan term of 12.99 % and payment of {$110.00} per month and a finance charge of {$6000.00} with the first payment due XXXX 

On XXXX  I received a " welcome letter '' from them stating that my APR was 12.99 % and my payment would be {$110.00} per month with a finance charge of {$6200.00}. 

On XX/XX/ I sent an email to them pointing out their mistake. The welcome letter finance charge and payment actually reflected an APR of 13.49 % That same day I received an automated response with a case number and that someone would be in touch shortly. 

I contacted them by phone a few days later and was told that yes this was a mistake and would be fixed before my due date. 

I contacted them again on XX/XX/ to ask about an update. I spoke with a gentleman who told me that " calling everyday is not going to resolve this any faster '' He also stated that my calculation was wrong and that the payment and APR were correct on the welcome letter. At that time I informed him that I would be filing a complaint with the CFPB to which he replied " go for it '' I hung up after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Adler Wallach & Associates, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am trying to purchase a home and my lender saw a derogatory mark on my credit report. It was from AWA collections from a past debt from XXXX XXXX XXXX. I signed up with them a year ago and they were going to charge me {$60.00} a month for insurance. After the first month it went up to {$120.00}. That was not what I signed up for so I canceled. Apparently they never canceled it and the debt went to collections. I have never received a letter or a call from AWA knowing that I was going to get a derogatory mark or that I was even in collections. I called a AWA today and they told me they could get it removed if I pay but because Im an escrow for a home I need a letter saying that this debt was an error and shouldnt have occurred in the first place. This is costing my family and I a lot of money and heartache. All I have to show is my policy and membership number. XXXX will not send me proof of cancellation and AWA will not send me proof of any bills or communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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: Personal information incorrect

Complaint:
I made several attempts to have this company remove an address that isnt associate with me. Ive been a victim of identity theft since XX/XX/2021 and Im asking for them to remove the address.the address thats on my bank statement that I attached is my address.

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