BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have reached out to credit bureaus to find out who is furnishing bankruptcy information to all three credit bureaus and o was told it was ( XXXX XXXX ). I reached out to XXXX XXXX and I was told they have no record of a bankruptcy on my profile. I reached back to the credit bureaus to do another investigation and because their information is incorrect and the keep saying information is valid from XXXX XXXX. The credit bureaus are failing to do their job and investigate my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Shellpoint Partners, LLC
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My issue is with XXXX XXXX XXXX and NewRez. In XX/XX/XXXX, my loan was transferred from XXXX to NewRez. Each payment is due on the first of the month. XXXX accepted my payment on XX/XX/XXXX as shown in the document of my bank statements on page XXXX. According to the notification of loan transfer, a check was requested for the first payment and that was cashed on XX/XX/XXXX. According to recent correspondence from NewRez on XX/XX/XXXX, that check was also applied to XXXX when it should have been applied to XXXX. This caused a trickle down effect of appearing as though my payments were a month behind, and it was discovered when NewRez reported a missing payment in XX/XX/XXXX. 

XX/XX/XXXX check of {$3500.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3500.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3500.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 
XX/XX/XXXX online payment of {$3400.00} should have been applied to XXXX. 

A payment was never missed. I have called NewRez multiple times and submitted many online inquiries, and they refuse to make the corrections even with proof of my bank account statements. I did not choose for my loan to be transferred, I don't understand why the proof of the XXXX payment is not enough to fix it. 

If a loan is transferred, both companies should communicate payments. This has caused me great stress and has negatively impacted my credit while there is no valid reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My Wells Fargo card was used fraudulently in XX/XX/2022 to make purchases at a XXXX XXXX and a store named XXXX. Wells Fargo continues to tell me the charges are valid, On or around XX/XX/XXXX I was contacted by a 'Tate ' from Wells Fargo Executive Offices and we had a conference with the Wells Fargo Fraud Investigation Team . During this conference I was told by Wells Fargo that it 'appears ' that I made the charges- I not anyone known to me made the charges abd yet Wells Fargo is forcusing me to pay for something I don't have. 'Appears ' is not sufficient proof that I made the charges it is conjecture, speculation. The onus is on Wells Fargo to prove I made the charges, it is not up to me to prove I did not. A police report was filed, an FTC Identity Theft report was filed. I nor anyone known to me made these charges. 

During the conference call in XXXX, the Fraud Investigation Team was asked by XXXX to provide additonal proof that I made the charges. I was told I would hear back within 10 days. I have not. I've tried to call XXXX on numerous occasions but he never answers nor does he ever return my phone calls after I leave a voice mail XXXX can be contacted at 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 2023-12-11
Company: Early Warning Services, LLC
State: GA
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:
XXXX XXXX, Early Warning Sign, XXXX are all reporting inquiries on my consumer reports hard and soft inquiries. When declined to remove they will make note of Permissible use thats the reason they wont deletehowever based on the law as follows : 15 U.S Code 1681b- any consumer reporting agency may furnish a consumer report under the following circumstances and no OTHER : Court, written instructions of consumer, credit transaction, extension of credit, employment purposes, insurance underwriting, license, child support. NONE of the inquiries EXCEPT the ones I have direct open accounts with should be on my consumer report AT ALL!

Please cure asap or I will move forward with the INTENT TO SUE for each and every valid violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act this company, XXXX XXXX XXXX Account # 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 15 U.S.C Sub Section 6802 B : the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; 15 U.S.C 1692 C ( a ) : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 D ( 2 ) : The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. The words Debt Collector, are profane 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 2022-12-08
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was negative charge off on my credit report. This is disappointing because I has been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX Please block and remove this account from my credit report. This account does not belong to me. I never applied to this company. Plus, the continuous activity is UNKNOWN to me. This is a fraud. Please remove this Bankruptcy immediately. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX  . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY 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 non-monetary relief
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
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:
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 15 USC 1681. 

Account Name : XXXX XXXX XXXX  # XXXX ; Account Name XXXX XXXX XXXX XXXX  # XXXX ; Account Name : XXXX XXXX # XXXX ; Account Name : XXXX XXXX # XXXX ; Account Name : XXXX XXXX XXXX XXXX # has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account with my written instructions.

15 USC 1681c ( a ) ( 4 ) 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 more than seven years.

15 USC 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 explanation
Consumer complaint received 2023-05-22
Company: Solar Mosaic LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I hired a local solar company XXXX XXXX XXXX to install a solar system at my home. They recommended to secure financing for the project through one of their preffered partners, a company named Mosaic. 

I went ahead and submitted the application with Mosaic and got approved for the loan for the entire solar panel cost of {$26000.00}. 

I setup my account and started making monthly payments to Mosaic. 

Fast forward to more than a year later, the solar panel has not completed the job. They have failed every single inspection to get the job approved by the city and connect the solar panels to the grid. 

The solar panel does not respond to my phone calls, when I finally get through they just say that they will investigate and get back to me, but they never do. 

So I have put 3 complains on 3 separate occasions with Mosaic, the financing company about the issue that I'm having but they seem to be unable to provide any help with this matter. 

Originally I was told by them that they only paid XXXX XXXX XXXX a small down payment to initiate the project and that the final payment is done after project is fully completed. 

But today, XX/XX/2023 after I call to complain for the third time, the Mosaic representative informs me that XXXX XXXX XXXX has already been paid in full. 

That makes sense, since XXXX XXXX doesn't show any desire to move forward or complete my project. 

My contract with XXXX XXXX XXXX shows they get paid {$1000.00} to begin the project and the remaining amount when the Final Inspection is done. 
So I don't understand why the financing company paid them all the amount in full already. In the meantime I'm paying a monthly payment to Mosaic for something that has not even been performed. 

My guess is that both XXXX XXXX and Mosaic have some sort of arrangement internally which doesn't involve the consumer at all. How is it that a financial institution that lends you money contingent on a home renovation project being completed doesn't offer any help when the consumer is being ignored by the contractor?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: OneMain Finance Corporation
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 is missing that should be on the report

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 15 USC 1681. 
Account name : XXXX XXXX  Account name : XXXX XXXX  Account name : XXXX XXXX Account name : 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 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 explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The credit reporting agencies XXXX, Equifax and XXXX is reporting a closed XXXX  XXXX account # XXXX opened on XX/XX/2015. This account is fraud and don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Fraud done on my Capital one visa credit card. Reported and new card sent, but credit for 2 XXXX  fraud through XXXX website purchased and picked up at XXXX store done The manager of store stated the proper ID to pick items in fraud was obviously " not '' requested in store which has now become common. in the amount of {$2600.00} never given. Told by several agents would be given, but not done and now past file time, but they see the fraud and new card was issued within proper time. case number # XXXX ( only one of case numbers with Capital one visa in this issue ) I have perfect credit and never even had a late fee since pay bills 100 % of time at time due in full. I am a XXXX XXXX XXXX physician. Then told to call XXXX since fraud done through their website. Told by XXXX " several '' agents credit will go back to the credit card, but take 30 - 90 days. Never credited then told call Capital one who states too late eventhough was now too late then I am told it is " my fault '' by not following up better on the credit, but clearly in their system of the fraud. Told call XXXX who again said they will take care of it and not to worry. Still no credit. Now spoke with XXXX retail executive relations XXXX XXXX XXXX ext XXXX that her XXXX agents told me wrong and credit needs to be done by Capital one visa opening a dispute which was never done and then can give credit. Capital one visa did state their own agents always gave me wrong information after the supervisor got involved and told me they will NOT open dispute or call the XXXX executive since too late althought they see the fraud. After trying for such a long time XXXX blames Capital one visa then XXXX blames XXXX then they blamed me?? BUT ALL SEE THE FRAUD. I even have police case number and officer ID etc and so does all involved many times given to the agents. and in writing. At this point nest step is Small claims court and filing fee is {$300.00} plus other expenses and hours plus hours more. Please help thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: FL
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 explanation
Consumer complaint received 2023-01-29
Company: Nelson Cruz & Associates LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
When can a debt collector report my debt to a credit reporting company? 
The CFPBs debt collection rule requires debt collectors to take certain steps before reporting a debt to a credit reporting company. Once the debt collector has followed the rules about how to contact you, then they can report your debt to a credit reporting company, provided they follow other laws about credit reporting.

The CFPBs Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ) became effective on XX/XX/2021. 
Learn more about the Debt Collection Rule and your debt collection rights. 
Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. 
If a debt collector sends you a validation notice about a debt, it means they have satisfied their requirement to contact you and, in general, can begin to report the debt to credit reporting companies. 

Whether or not you have a debt in collection, its important to frequently check your credit reports for accuracy. If you think a debt collector has improperly reported a debt to a credit reporting company without meeting their obligations under the FDCPA, you can submit a complaint with the CFPB online or by calling ( 855 ) 411-CFPB ( 2372 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, 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:
According to Equifax data breach settlement class action lawsuit, my personal information has been affected by this incident. 
I tried to delete fraudulent accounts on my report based on that fact

Company response to consumer: In progress
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Disputed a Bankruptcy Court S.C. Docket # XXXX XX/XX/2021 on my TransUnion consumer credit report FOR INDENTITY THEFT. I have sent in documents including letter from the courts, police report and ftc report please pay attention to police report page 3 it states that account signatures don't belong to me when investigated.

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