BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-20
Company: Solar Mosaic LLC
State: HI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I entered into a loan contract with Mosaic, Inc.which funded my solar project for my home in XXXX, 2022. The loan number is XXXX. I have repeatedly tried through telephone calls and emails to get a correct answer to no avail. I need a senior loan officer or supervisor in charge to assist me. The respresentatives with whom I can spoken to or was emailed by simply have not resolved the issue. 

The siutation is as follows : I pay more than the monthly payment and the excess should be credited towards principal and that is not happening. I called the compan again today and asked for a senior loan person and was disconnected. Before I was disconnected while the representative transferred me definitely did not know what he was talking. Based on our brief discussion, it appeared that he had litle or no finance experience. I asked to have a senior loan officer or supervisor in charge that could explain why my principal was not being reduced. The statements online clearly show a credit balance but it is not being applied correctly. I asked this representative when someone might call me since I have been emailing and calling to get a resolution for the past three months. He replied that he didn't know when anyone woudl cal me back and, frankly, made no effort to help me resolve the issue. 

These companies are taking advantage of consumers and do not fully explain why paymnets are not being applied correctly. They need to be held to a higher standard and should comply with a consumer 's request. I would like a resolution as to why my excess payments are not being applied to principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: GA
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:
Greetings! I am submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit https : XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: WI
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:
Please see attached files I have made countless attempts to have unverified and erroneous accounts deleted off of my Equifax credit report. And Equifax has REFUSED to adhere to the laws and regulations afforded to me under the FCRA. I have submitted several disputes to them regarding these erroneous accounts. They claim the accounts are verified. I asked them how did they verify them, they couldn't tell me. I've made repeated requests for them to send me the original creditor 's documentation ( a signed contract by me giving them consent to furnish my information as per my right by law ) and they've ignored these requests. I have made requests by mail, by phone and through the CFPB. They have not provided me with any documentation or correspondence that came about in their investigations ( required by law ). Furthermore they continue to ignore their obligated duty to do what is fair and equitable to me as a consumer ( required by law ). They are in violation of so many of my consumer rights including receiving information from a 3rd party regarding my consumer information without my consent. I ask that my request be taken seriously, that Equifax either provides me with the original creditor 's documents I have asked for or remove the disputed accounts and public record from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Every time I apply for a card with this bank Comenity they decline me. I asked them are you prejudice against XXXX and XXXX? Because I am XXXX and i am XXXX. They put me on hold and never resolve the issue. 

Now the letter states things that don't exist on my credit report. They refuse to help me with my applications and when I call they won't connect me to a mgr to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: NC
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:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2023-07-23
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-05-05
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX, on XX/XX/2021, I found out multiple accounts on my credit report that were not mine, and I do not have any idea why they were on my credit report, after doing some research, on XX/XX/2021, I submitted my first dispute, months later, I pulled my updated credit report and those accounts still there, I really need these following accounts to be remove from my credit report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX BANK XXXX, these five accounts mentioned above are not mine, I need these accounts to be remove from my credit report, because they are affecting my ability to get funding.

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 2023-12-15
Company: Experian Information Solutions Inc.
State: FL
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 a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-07-23
Company: Experian Information Solutions Inc.
State: NJ
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 requested that a few questionable accounts on my credit file be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.

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 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Previously, I made an investigation about these accounts with inaccurate information and after checking your responses I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$47000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2022-12-22
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A deposit was made to TD Bank with a check drawn on XXXX XXXX XXXX. The check was returned in error- with XXXX taking responsibility. The check was redeposited, and we were advised it would clear in 1 day ( We were not provided with a receipt showing the length of the hold ). Two days later, it was not cleared. I phoned TD Bank and explained what happened - I was advised the hold would be released in 20 minutes - maybe a bit longer. I waited 2 hours and went to a TD Bank branch to make a wire transfer - the hold was still in place. The TD Rep made some calls and re-entered a request to release the hold. Now I was told it would be REVIEWED within 2 to 24 hours. 

Because XXXX incorrectly returned a check, TD Bank returned an ACH debit from XXXX. I promised XXXX I would wire the funds today based on the initial information supplied to me by TD Bank. I called TD Bank again, and all I got were apologies and explanations. They were unwilling/unable to rectify the hold on my account based on the information they provided. The employees either don't know their policies or serving their customers is not a top priority.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Unable to log in as 2FA code was lost. Filed initial ticket on XXXX XXXX 2017. Case ID # XXXX. 

Issue still not resolved. Keep on receiving the same automated responses and instructions, despite me continually telling them that they do n't apply in my case. 

4 days sometimes goes by with no communication. Unable to access my account and funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I just received a new social security number and I checked into my credit to try to make sure I was being safe with my scores and being on top of them. 

I have XXXX credit card with a {$200.00} line of credit. That I use for cash and groceries. My credit score started at over XXXX and within 5 months of not using anything, the credit has dropped down to XXXX points. Which is below any related needs for any loans, mortgages, employment-based background checks etc. 

This is beyond appalling that even a NEW social security number and NEW credit score is subjected to this type of specif algorithm attack to make it so that I can not do anything within the country without this score being at least XXXX point.s This is absolutely uncalled for and there is no reason why NO ONE from Experian can explain to me how this system works or why my credit score is going DOWN even when I'm making my payments on time for XXXX credit card. 

They told me to gain a credit history. Well, news flash, I can't even get any loans now because of this nonsense. Even with my income or my husband 's income on the applications, I am going to be denied. Each hard-hit inquiry will only lower the points further. This credit system has created a Catch-22 system where I'm supported to get history, but can't because my starting score is just going down from nonuse.

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 2020-04-08
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Sallie Mae calls multiple times per day on a loan that they already approved for forbearance. I am only the co-signer, and yet, I get at least 3-5 calls every day. That to me is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America is arranging the order in which transactions are processed ( from highest to lowest ) so as to generate overdraft fees. It also appears that the processing time for certain transactions varies, and it seems that it is for the same purpose, to generate fees. 

Low account balance notices are always sent to late too cure any defect. Again, the result is that additional overdraft fees are generated. 

This issue has come up with BOA in the past and it seems they have returned to the practice.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: TX
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 attention a copy of the report for the following accounts and credit inquiries that do not belong to 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 2023-09-14
Company: EQUIFAX, INC.
State: AL
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 sent a letter on the Credit Bureaus to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to delete or information not later than 4 business days. Ive already included these in my previous Complaint am including them again., XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: SC
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 acct XXXX XXXX has violated my rights. 

15 U.S.C 1681SECTION 602 A States that 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 an account without my permission In accordance with the fair credit reporting act ( XXXX XXXX XXXX XXXX acct # XXXX ) has violated my rights. 

15 U.S.C 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies.

( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

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 2023-09-16
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
ON XX/XX/XXXX I ENTERED A CHASE BRANCH TO OPEN AN ACCOUNT SUPPLIED ALL THE PROPER INFORMATION TO PROCEED TO OPEN AN ACCOUNT WHEN I WAS TOLD THEY HAD TO TALK TO THE HIGHER UP UNBEKNOWN TO ME WHY BUT I SAID OK I MADE SEVERAL ATTEMPTS TO FIND OUT THE REASONING FOR THIS I SPOKE WITH SEVERAL REPS WHO GAVE ME THE RUN AROUND AND ON XX/XX/XXXX XXXX RECEIVED A LETTER STATING THEY WERE UNABLE TO VERIFY MY IDENTITY. I DONT INNERSTAND WHAT MORE INFO THEY NEED FROM ME IF THEY COULD CHECK MY SO CALLED CREDIT SCORE WITH XXXX THEN THEY HAD ALL THE INFO THEY NEEDED TO OPEN THE ACCOUNT AN ACCORDIND TO 12 US CODE SUBSECTION 412 THEY COULD HAVE USED MY APPLICATION TO FUND MY ACCOUNT SO IM NOT INNERSTANDING THE PROBLEM. THEY ARE IN DIRECT VIOLATION OF FEDERAL RESERVE ACT SECETION 16 .1THE BANKS ARE THE BORROWERS

Company response to consumer: Closed with explanation