BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-02
Company: Solar Mosaic LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been sending all of my payments through my electronic account via XXXX XXXX to Solar Mosaic Loan Services since the beginning of our loan in XX/XX/XXXX. 

They sent a report of a missed payment to the credit bureaus for XX/XX/XXXX. I did make my payment in XXXX to the XXXX XXXX office on XX/XX/XXXX ( and should have arrived by XX/XX/XXXX ) as we have done the entire time of the loan. I spoke with a Solar Mosaic representative in early XXXX as they called to tell me the payment had not been received. The money had already been taken out of our account to pay the XXXX payment and the representative said it could be delayed from the home office as the billing address has changed from XXXX XXXX, CA to XXXX, AZ. 

It wasn't until XX/XX/XXXX that we received our XXXX check payment of {$360.00} returned to our bank account and not until XX/XX/XXXX that we received the XXXX payment of {$360.00} returned from Solar Mosaic, at which we promptly brought the account current when we learned of the refunded money. This is clearly not within the 30 day grace period and should have never been reported to the credit bureaus for XXXX. We were never contacted that the payment was not being accepted or returned. I happened to look at my bank account when I realized there was more money than I expected. 

Included in this packet are two of the last payments that were accepted via XXXX XXXX to the XXXX XXXX office. As well as the pictures of our bank account proving we made the payment for XXXX, XXXX and demonstrating that those payments were returned by Solar Mosaic. 

We believe these are unfair business practices under the Fair Credit Reporting Act and this is directly affecting our credit score and our ability to secure a loan for a new home. We are asking that this be corrected on our credit score immediately. I have already requested this from Solar Mosaic and this was their response on XX/XX/XXXX : Thank you for contacting Mosaic, We understand you did send the payments, however, as we did not received them on time your account became delinquent, as such, we are unable to change the credit report we sent as we are obligated to report the accurate information. 

If you have any questions, please contact Mosaic Loan Servicing at ( XXXX ) XXXX? 
Our account is current and we have been outstanding customers through the life of the loan. 
Please call me as soon as possible at XXXX so that we can discuss this issue and determine the best way to resolve this. Thanks for your time and for working with us to create a positive outcome for this situation. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: NC
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 disputed XXXX Debt Collections MULTIPLE times. Experian continues to report it even though the collection agency has provided NO proof of verification. The collection was removed in 2020 yet experian allowed it to be added back with no verification and without notifying me 5 days prior as required thus giving me no time to dispute. The collection agency provided no 30 day letter prior to attempting to adding it giving me no time to dispute. Experian has drawn this out and it is affecting my credit substantially. The collection company continues to repeat the same information and provides NO proof. I keep attaching these conversations from email showing this and NOTHING is done.

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 2023-09-25
Company: EQUIFAX, INC.
State: NY
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:
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 XXXX5 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: CONTRACT CALLERS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom this may concern I am writing because the 3 major bureaus on several occasions have yet to properly investigate the negative and inaccurate information on my credit report. By law the bureaus must adhere to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) Be mindful that the collection agency has yet to provide A LEGAL BINDING CONTRACT WITH A BEARING SIGNATURE SHOWING PROOF OF DEBT AND OR LEGAL OBLIGATION TO PAY THE DEBT WITH THE ALLEGED DEBT COLLECTOR. UNTIL THE AGENCY COLLECTING THE DEBT CAN PROVIDE A CONTRACT BINDING THE DEBTOR TO THE DEBT THE DEBT MUST BE REMOVED. 

The major bureaus have continued to report negative information, addresses, and accounts without providing legal proof that the debt is valid. I am requesting a investigation by the CFPB to remove all inaccurate information. 

Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX5 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus XXXX XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
- as I renewed my mortgage insurance for XXXX XXXX I was seeking the best $ rates ; my oversight was to let the contract be dated with only a 4 day lapse ; - about XX/XX/2023 Wells Fargo ignored my insurance coverage and added their assigned insurance due to the 4 day lapse ; their insurance rate was approx. {$160.00} more cost than mine. They added it to my escrow which increased my monthly mortgage pmt.. Meanwhile I had already prepaid my insurance for the entire year. Also note NO claims and no incidents occurred during those lapse dates. 

- with some communication... they agreed and acknowledged my insurance and removed their insurance from my escrow liability. 

- yet .... months later they added their insurance again ; in XXXX they ask me to cancel my insurance after 10 months of used coverage ; I explained to them : NO INSURANCE COMPANY WILL REFUND COVERAGE AFTER 10 MONTHS HAS PASSED ; Then they ask me to ask my company to 'BACKDATE " my policy 10 months to cover the XXXX lapsed days ; after I reported that their is a 30 day limit to backdate with my insurance for for " best practices '' and " ethics '' ; now they persist with not accepting my prepaid insurance coverage even though they once DID accept it and then they flex " on again and off again '' ... ..my argument is : both of these opposite behaviors can not be logical or legal or fair ethics????

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i am a victim of fraud my identity was used to get this account i filed a report sent in the requiring documents it says it was being investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ITEMS resulting from alleged identity theft. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX, XXXX, and TransUnion are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXXX Open Date XXXX XX/XX/XXXX Balance : {$0.00}, U.S. Bankruptcy XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX, and XXXX/XXXX  XXXX Open Date : XX/XX/XXXX Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2022-05-25
Company: Carvana Group, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a car from Carvana and the delivery date was XX/XX/22. The day before I verified with Carvana all documents needed and the check. I stayed at the bank and upload pictures of the check and asked was everything correct. I was quoted {$28000.00} by caravana for the purchase of the car. My bank then issued a check for that amount on XX/XX/22. The representative of Carvana confirmed my check was uploaded into the system and everything was correct and nothing else required except on the day of delivery which was the next day to provide the physical check and sign off. The tech delivered my vehicle to my house on XX/XX/22. I test drove, signed the paperwork and provided the physical check. I then went back inside my home and continue to work. I notice the tech didnt leave after a whole abs then called me saying the check was an overpayment for the purchase amount, that they would need to take the car back and I would need to go get another check. That was traumatic especially given I had already sold my old car and was leaving out of town the next morning. It got escalated and I talked to an advocate and the resolution after about 30 minutes on the phone was that they would refund me the difference of {$1000.00} and would call back with the timeframe and more information regarding the refund. I did not get a call back. Talked to several representative and chatted and was told XXXX business days. That went and again talked to several people and we are now at 6 weeks and still no check sent to my bank ( verified XX/XX/22 ). The resolution executive at Carvana is no longer answering me my reply and each person she calling in tells a different story and that there isnt a supervisor available. I just want my refund and theyve had ample time to resolve the issue and havent. Talked to Carvana again on XX/XX/22 and the checked was mailed via regular mail through USPS on XX/XX/XXXX and it us XXXX over the 15 business days and still no check nor can they track it or provide any other information.

It is approaching the 2 month mark since I bought my car and have been trying by to get my refund from them. Originally was told it would be overnighted so why it was sent supposedly regular mail and no way to track it doesnt make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
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:
This debt was not opened up by me. I never had an account with XXXX XXXX, this needs to be removed today

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Date- I have wrote XXXX  , Transunion and XXXX  regarding inaccuracies on my credit report XX/XX/XXXX XXXX  has removed the account. 

However Transunion and XXXX  continue to report inaccurate data on purpose to hurt my credit. 

I am a veteran and I shouldnt be treated like this ; I have facts and there are being ignored like Im just another number. 

Amounts- {$1000.00} Actions I took : Issue : Credit Bureau Reporting inaccurate Date of last active on XXXX account- TransUnion has XX/XX/XXXX and XXXX  has XX/XX/XXXX. It is obvious XXXX  has re-aged this account and this is a violation. 


In addition, I believe they are required to put on my credit report _A notice of Dispute in comment section ; within 30 days and they have not. This is another violation. 

Also, Transunion has no history reporting in the Legend of the account how Is that possible? 

Resolution is - delete this account for inaccuracies Please see the attached current credit report for XX/XX/XXXX, and XXXX XXXX XXXX  remove acct. 
Please see the attached Letter I sent XX/XX/XXXX. 
Please see attached Drivers License, and my passport as proof of identity. 

Please assist me with getting this issue addressed. 

Thanks 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 2022-08-15
Company: Cascade CISS Holdings, LLC
State: GA
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:
To whom it may concern : On XX/XX/2022, an unknown entity - XXXX  ( Miscellaneous ), ran my credit without my consent. 

Please remove, this unauthorized information from my credit. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Despite multiple attempts to remedy my issue, the company Comenity Capital Bank operating as Comenity , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Phone XXXX has not reported my account information accurately. They have given multiple reasons for this negligence. This lack of reporting accurate balance information has caused an adverse action to my personal well being as I'm in the process of purchasing a home. I have filed a complaint with the FL department of agriculture and consumer services. 
Comenity advised me I would receive a satisfaction of balance message in my inbox from Comenity Rewards but I instead received an error message. Attached you will see the failure to produce any information from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: EQUIFAX, INC.
State: IL
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:
on XXXX XXXX I contacted Equifax to request the removal of a comment listed on my XXXX XXXX credit card ( consumer dispute this account ) the rep stated she has had put in the request to remove comment. When I checked my Equifax report on XXXX XXXX my XXXX  XXXX credit card was not reporting at all when I spoke to Equifax XXXX XXXX ID # XXXX on XXXX XXXX he stated that the company/LENDER is the only one that could remove an account. after speaking to XXXX XXXX who states they did not request removal of my account and that the account is still being reported in good standing on other credit agency and still open that this is an error on Equifax side and to give them call to fix it. Equifax refuse to look into the matter of what happed to cause my open account that had been reporting for 4yr to just disappear the next day after request removal of a comment. how did this account get removed completly if not by the XXXX?

Company response to consumer: Closed with explanation