BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: Solar Mosaic LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have had XXXX issues with Mosaic XXXX XXXX XXXX that I believe are predatory and unethical practices. Mosaic has had XXXX complaints of a similar nature to the XXXX in the last XXXX years. 

**** ( XXXX ) XXXX XXXX Mosaic XXXX XXXX XXXX XXXX, AZ XXXX First issue -- I was sold Solar by XXXX XXXX in Colorado for an apartment building I owned at XXXX XXXX XXXX, XXXX CO XXXX XXXX After solidifying the order they recommended Mosaic Solar as the financing company. My payment was as expected for a while. Soon I received notice that because my loan balance hadn't fallen below a certain amount, my payment would increase to $ XXXX -- this despite me paying every payment on time for the last XXXX months per the contract ( via autopay ). Over the course of the last XXXX years I have paid only {$2700.00} in principal. I was never informed that I would need to make any additional payments ( on top of my regular installment payments ), nor that if I didn't make additional payments I would also have a greatly increased payment. I tried to contact both XXXX XXXX and Mosaic XXXX. I was able to reach XXXX XXXX but they informed me they could not help. It was nearly impossible to get anyone on the phone for Mosaic other than a call center associate. 

Second Issue-I went to refinance my property where I had installed solar. Mosaic had put a lien on my property despite the fact that the loan was on the equipment. This incorrectly clouded title nearly prohibiting my refinance from going through. I had to hire a lawyer spending over {$3000.00} to get my mortgage company to agree to the refinance. My lawyer described the lien as barely legal and certainly unethical. It was nearly impossible to get someone on the phone at Mosaic until I retained a lawyer. 

I believe this company is unethical and predatory and should be held accountable. 

Thank you for your time and consideration XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed account. If they unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected XXXX : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX-Late/Closed Late Date XX/XX/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 2022-12-19
Company: EQUIFAX, INC.
State: WI
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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am at my wits end - I have called XXXX XXXX regarding their incorrect reporting of the status of my account 16 times during the past year. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ... ..AND THE LAST TIME WAS TODAY, XX/XX/XXXX I paid this car loan off XX/XX/XXXX and I actually talked to them that day about the inaccuracies of their reporting of my car loan to the credit reporting agencies. The girl actually said she would take care of it. Never heard another thing from them and my credit report remained unchanged. 

So ... ..today XX/XX/XXXX I receive a notification that some information on my credit report has changed. The updated my credit report alright, but they just moved the information around - and now my credit report has now gone DOWN 19 points!! They  had been reporting it as 30 days late 4 times and 60 days late 2 times. Today 's update now shows it was 30 days late 3 times and 60 days late 2 times. 

NONE OF THIS IS TRUE! I have NEVER made my car payment 30 days late, let alone 60 days!! 

Their customer service reps speak broken English and every time I call, I get a different answer from them! All I want is my account to reflect correctly!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX XXXX ; Account number : XXXX, has violated my rights.

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 an account without my written instructions.

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 2021-06-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On or around XXXX of XXXX I sent Carrington Mortgage a packet of information describing how my identify was stolen to create a refinance mortgage by XXXX mortgage bankers. I also sent them the expert hand writing expert report showing that my signature was forged upon the documents. I also filed a Chapter XXXX bankruptcy in XXXX where as my mortgage debt was discharge in Bankruptcy court. I also made XXXX XXXX XXXX aware of the bankruptcy of the discharge mortgage. They still have been contacting me to date about the debt and attempted to foreclose on my home in which at the time of the Bankruptcy they had no legitimate lien to the property. They also have " NEVER reported any of payments to any of the credit bureaus of the payments that I have made on my home. My identity was stolen, they are attempting to collect a debt I don't owe and I was never credited for any payments on my credit report from the purchase of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX and XXXX has violated my rights. 

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

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 2022-04-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, has violated my rights. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
my flight to get to my family members funeral in Florida was cancelled within several hours of departure time. I had to get help to find an alternate way to get there! One option was calling XXXX XXXX XXXX XXXX. It appeared as an affiliate of XXXX XXXX. They insisted they were XXXX XXXX XXXX XXXX. They ended up charging this addtl XXXX over and above full flight fee paid to XXXX XXXX. I later found out this is a fraud company & they had no viable way to be contacted. I contacted capital one regarding this fraudulent company & this addtl fee. I included detailed dates, timeline, copy of a documents, phone numbers etc. Capital One then CREDITED my account for XXXX. However on XX/XX/23 they reapplied the XXXX charge to my account stating they are closing the case. We were to contact the merchant. But the merchant is no longer in business & I feel they had no right to charge me! ( again XXXX XXXX had received their full payment ) I believe a fair resolution would be for Capital One to honor this XXXX credit as was originally done!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, has violated my rights. 

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.

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 2018-04-25
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX XXXX. on XX/XX/18. This letter was for debt collection of {$750.00} from XXXX XXXX I do not owe XXXX any money.

I called XXXX and verified that, I did not own them anything. The person I spoke with stated that they do not do business with XXXX XXXX. He told me to ignore the letter.

I called XXXX XXXX and explained the situation. The representative told me that I owed the money, and suggested that my XXXX  account had been hacked. I told him, I would file a criminal complaint on this issue, and he asked me if he could file the complaint. When he stared asking me personal questions, I told him, I would do the complaint myself. I had no idea who this person was.

This morning I did a XXXX search on the company, and found that they have a long track record of collection fraud.

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 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 2023-10-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have inaccurate information on my credit file for a very long time now Ive tried to dispute it many time but keeps getting rejected.. I have tried to explain to the companies and the credit agencies that this information is not accurate.. 

XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX And that my personal information needs to be corrected as well. 

I have provided my bank statement to show my one and only correct address and spelling of my name..

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 2020-10-02
Company: WELLS FARGO & COMPANY
State: TX
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:
First of all, Wells Fargo originally sent me a letter two months back saying that claim # XXXX was determined that an error did occur and that I wouldnt be responsible the credit was permanent. Two months later now they recharged my account. The Checking account ending in XXXX is overdraft in the amount of {$1800.00} all of the transactions which caused the account to go negative were all claim reversals no money was received from these transactions but Wells Fargo recharges their customers even when an error actually did occur. I do not agree with their decision. And didnt receive any documentation or proof no error occurred. Secondly on the credit card the propel card. There was fraudulent transactions Back in XX/XX/2019, this was reported right away there were thousands of dollars to XXXX. I have been reaching out to each merchant individually. XXXX has informed me they dont locate an account for me, therefore do not see any charges were charged to me. Yet Wells Fargo says these were not fraud and were authorized, however the merchant says they were. Same with the favor transactions and every single transaction I Reported that I shouldnt be liable for. On top of that Wells Fargo charged me a late fee on the card they expect me to pay even when I was on covid payment assistance. Which they didnt tell me ended either.

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 2021-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent Transunion a letter on XX/XX/21 to remove all inquiries and accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I haven't heard anything from them.

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 2021-06-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent a Debt Validation Affidavit to PORTFOLIO RECOVERY ASSOCIATES in regards to an alleged account that is listed on my credit reports. I allowed 30 days for PORTFOLIO RECOVERY ASSOCIATES to respond with the required documentation according to 15 USC 1692g. They received my documentation according to my certified mailing receipt and have not sent any information. PORTFOLIO RECOVERY ASSOCIATES is in violation of 15 USC 1692g by not providing validation and 15 USC 1692j by furnishing this invalidated information to my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was not aware of this account. I didnt sign nor did I have any knowledge of this account. I have a identity theft affidavit please review and delete this is nit mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital One issued a card to me, account no.XXXX.The card was subsequently stolen without any personal use by me.The thief used the card to about XXXX dollars.I was unaware of the theft or use until the payments were about 120 days late. 
I spoke to two different reps at Capital one, the first one in XXXX, the second one in English.Both reps said the same thing ... that the card would be closed for fraud..I wouldn't have to pay anything and another card would be reissued.This was not done, I was never re-issued a card, the balance on the credit report shows XXXX, yet the late payments show completely destroying my perfect credit as the only negative on my 3 bureau reports. 
Capital one has harmed me financially far worse than the XXXX dollars stolen from them. 
I have to rely on my wife 's good credit to function.I have recently made CFPB COMPLAINTS TO THE THREE BUREAUS:XXXX XXXX XXXX XXXX ... ..all three bureaus said the creditor verified my credit information as correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a joint checking account with my mother at Capital One bank. My mother is the primary account holder and recently XXXX XXXX. Even though I am a joint owner and should have equal access, Capital One froze the account and refuses to release the funds without a copy of the XXXX certificate, which may take a while due to some issues with the doctor signing the certificate. My mom opened this account with me with the intention that I would be able to access the funds in order to handle expenses when she XXXX. Capital One did not properly disclose their practices when the account was opened. As a joint owner, I should have equal liability and benefit in regards to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # 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 non-monetary relief