BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-23
Company: Solar Mosaic LLC
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I went through Mosaic lending to pay for the installation of solar at my residence. I was being charged interest from the time my loan was accepted, until I made my first payment, which was after installation. The details of the interest were hidden and not conspicuous. Had I known I was being charged interest from the day of approval, and not of actual installation- which was also the same time I received notification to make my first payment, I would have paid on the loan to avoid the interest accruing. 

Also, since interest is applied on a daily basis, the company delays the actual payment, or transaction date, for several days. Therefore I am paying interest on additional days that I should not, if the payment was applied at the time of actual payment, or even taking into consideration for time differences between business times. 

I have spoken to several representatives, but they are unable to apply the payments immediately, or even the next day. It appears that it is a systematic method of " nickle and diming '' or gaming the system to maximize their proceeds from interest. 

My Mosaic account number is XXXX, and I just paid if off completely, or so I think, since I'll probably get hit with interest since they don't apply the payments immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting a collection account on my report which does not belong to me & after several reminders they fail to delete the incorrect information on my credit report. 

collection account in question is XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX A/C # XXXX {$55.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon reviewing on my credit from XXXX credit report I have notice multiple fraudulent accounts was open under my credentials and personal information that has resulted in identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
On XXXX of 2020, I checked my credit score to gage the health of my credit when I found that an auto lease was placed under my name. I did some research and seeing that the companies name is XXXX XXXX XXXX. I found out that it belongs to a family member with a similar last name as me. I reached out to both the family member and the Toyota Financial Services in XXXX to rectify this issue but it has not been removed from my credit profile. Please help me in solving this issue. Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Consumer reporting agencies reporting late payments when in fact I was never late on account, Ive never received a letter 21 days prior from due date saying I owe such on such date, Account XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX  XXXX XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX. Also Ive never authorized/ sent written consent for late payments to be reporting in my account which is an invasion on my privacy and defamation. How can consumer reporting agencies report something I never authorized and something that is inaccurate. This is defamation they are trying to ruin my reputation with other companies which can damage me emotionally and financially. If I decide to apply for something and companies see I have late payments this will be a major red flag for them to want to approve me for anything, I will be denied for something that is inaccurate and without my consent which is against the law.

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 2023-11-18
Company: EQUIFAX, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
XX/XX/23 i sent a dispute to equifax going over some items i felt were in accurate and eperian has done everything to ignore my request to look into the dispute. They continue to stall in regards to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: Experian Information Solutions 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:
Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved.

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 2022-12-25
Company: Experian Information Solutions Inc.
State: OK
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 XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, 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 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 2019-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, 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:
I dont recognize those inquiries : 1- XXXX XXXX XXXX ( National credit card/Airlines ) on XX/XX/XXXX. 

2- XXXX XXXX on XX/XX/XXXX. 

3- XXXX on XX/XX/XXXX. 

4- XXXX on XX/XX/XXXX. 

5 XXXXXXXX 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 2020-09-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been working with XXXX since XX/XX/2020 to refinance my mortagage. 
My current mortage lender is Wells Fargo. 

I was supposed to close first week of XXXX but then was told by XXXX that I have to pay the unpaid principle balance of {$6000.00}. This is the amount from 2 months forbearance covering XXXX and XX/XX/2020. I have resumed payments since XX/XX/2020 and have been current since. Wells Fargo informed me that the unpaid balance will be in a non-interest bearing account and added to the end of the loan. Wells Fargo further explained that I can not pay the unpaid principal balance before we acquire an approval from XXXX XXXX. The request was made XXXX XXXX and since then I have been receiving contradictory information from Wells Fargo. At first when the request was submitted I was told, it will be 4 to 10 business days, then was told XXXX XXXX does not grant these requests and then was told we are still waiting on XXXX XXXX. I was also advised by XXXX XXXX that I have to pay the full mortgage first before I can pay the unpaid principle balance. I am trying to refinance so I can shave off {$300.00} per month in mortgage payments. This is much needed as my husband is without a job at the moment. I called XXXX XXXX asking them to confirm if it is true that I can not pay the unpaid principle amount, the customer representative from XXXX XXXX said this should have been explained by the mortgage lender Wells Fargo and that it is their responsbility to communicate with you. XXXX XXXX promised to get back to me but I have not heard back as of today. 

I fear Wells Fargo is in my way trying to refinance my mortgage. I am now having to pay another mortgage payment to them missing out on the {$300.00} in savings not to mention refinance application fee of {$500.00}. I have left Wells Fargo numerous messages and spoke to many customer representatives and manager from mortgage dept and home preservation and others. I still do not have a resolution or a solution. All I need is for Wells Fargo to provide me with the instructions needed to pay off the unpaid balance so I can refinance with the new mortgage lender. Otherwise I fear I am hostage unable to refinance. 

The terms of the agreement sent to me by Wells Fargo and on XXXX XXXX XXXX website is that the amount deffered can be paid at the time of refinance. I am trying to refinance and Wells Fargo is not abisding by the terms of the agreement.

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 2023-03-02
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had a collection account on all of my credit bureaus for some time now. Jefferson Capital Systems is the supposed creditor. I have disputed this through the bureaus with no results. i have also contacted Jefferson to get actual information about the supposed debt and have been given no relief. this is lowering my credit score and is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: CL Holdings LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX appear on my credit report XXXX/XXXX/18, I was never given the oppurtunity to resolve the debt with them before it was added on to my report and they are also not licensed to collect debt here in Arkansas where i currently live.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am reaching out and filing this complaint to TRANSUNION to address a concerning matter regarding my credit report, and I appreciate your attention to this issue. 
Recently, I discovered fraudulent accounts on my credit report, prompting me to file an FTC report with the identity theft report number XXXX. Despite taking this action, upon reviewing my credit report, I noticed that these fraudulent accounts continue to be reflected. As a consumer, I place a high level of trust in TRANSUNION to safeguard my personal information and furnish accurate credit reports. Unfortunately, I have observed multiple inaccuracies on my credit report, including discrepancies in balances, dates of late payments, payment status, date of last payment, and violations under FCRA policy. To facilitate the resolution of this matter, I have attached the FTC report, along with a copy of my driver 's license and proof of address. I believe that by working together, we can rectify these inaccuracies and ensure the integrity of my credit profile.

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 2022-11-07
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a checking account with Chime Bank in the fall of XXXX. I also signed up for direct deposit for my monthly Social Security XXXX check. 
I had used the account for several months when I was unlawfully arrested in XXXX  on XX/XX/XXXX. 
I was avle to clear my name and was released on XX/XX/XXXX. 
During the time if my XXXX  my identication was taken over by squatters that had illegally moved into my home. 
They stole all my personal belongings as well as my credit, debit, and gift cards. All my bank accounts had been emptied out and every XXXX of the month they were able to withdraw my money since I couldn't contact the bank while in XXXX. They used my name and ID to try to cash checks open other a counts and buy whatever they wanted. They changed phone numbers emails and passwords so they could get into my accounts. The bank never red flagged my account While in XXXX  I would able to contact the XXXX XXXX XXXX and filed a police report.T Their hands were somewhat tied until I got out of XXXX. 
The investigation continues and several suspects have been identified. 
When I was released from XXXX  in XXXX I contacted Chime by phone to discuss the fraud that had taken place. There were {$7200.00} dollars in fraudulent charges I filed a fraud statement for the transactions from XXXX until XX/XX/XXXX, the entire time I was XXXX  5 days later at the end of XXXX. Chime unexpectedly closed my account and I could no longer reach them by phone only email. 
I wrote over XXXX emails to them showing documentation and stating that it is impossible for me to have used my account because I was XXXX. I never gave anyone permission to use my card whatsoever They stated that there was no unauthorized use of my card and denied my claim no real rreason. 
I provided documentation of XXXX  and police reports. 
My claim was still denied. 
O asked for documentation on how they came to this decision and they refused to provide it. 
They stated my behaviors and patterns indicate that there is no claim. Really? How did I do that while in XXXX? They also stated they have statements. Again ... XXXX This is the most absurd and misunderstanding of bank power I have ever heard of I am truly a victim of ID theft and have been trying to resolve it since this happened. I am XXXX and on fixed income. They allowed criminals to victimize me and turned around and victimize me again Please help me hold them responsible for my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Experian Information Solutions 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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2022-12-25
Company: EQUIFAX, INC.
State: OK
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 Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, 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 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 non-monetary relief
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} and XXXX FIN XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4100.00}

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 2023-06-21
Company: Experian Information Solutions 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 Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2018-12-20
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I use MoneyGram to send money to my relatives in XXXX ( XXXX XXXX ) several times per year. My most recent transfer was on XX/XX/2018. MoneyGram promises a free phone call for the sender to inform the recipient about the transfer and to give the recipient the " Reference Number '' for the transfer. When I was about to make the free phone call, I noticed that my receipt did not show the information for the free phone call. The XXXX # plus the PIN that's needed to make the phone call were missing. 
The MoneyGram Receipt Jacket has printed instructions on how to make the phone call, and includes the MoneyGram Customer Service phone number. I called the MoneyGram Customer Service phone number to get the PIN number so I could complete the free phone call. I spent more than 15 minutes being taken through several menu items, none of which applied to my issue. When I finally got to speak to a live person, he informed me that I had the wrong number. He gave me a new number for MoneyGram Customer Service ( different from the customer service number on the receipt and on the receipt jacket ). The person who responded to this second number, told me that he could not give me a PIN number, and that I have to go back to the agency ( XXXX XXXX   ) where I made the money transfer. 
When I contacted XXXX XXXX, they said they do not control the giving out of the PIN numbers, or what's printed on the receipt. All this is controlled by MoneyGram. XXXX XXXX took my information and contacted MoneyGram for an explanation of the situation. XXXX XXXX told me that MoneyGram informed them that they had discontinued the free phone calls from XX/XX/2018. However, I found this to be untrue because I sent money from the same agency on XX/XX/2018, and got the free phone call then. There was no notice that the free phone call would be discontinued. 
I find that whenever I need to contact MoneyGram Customer Service, they usually provide false information. They usually give the customer the run-around to avoid taking responsibility for solving a problem. If MoneyGram does not improve on the way they treat customers, they should not be allowed to continue doing business. I pay them {$9.00} to send {$150.00}, and they pay a very low exchange rate in the destination country. So they are making money on both ends. At least, if they discontinue the free phone call, they should have the decency to be upfront with that information, and not mislead customers.

Company response to consumer: Closed with explanation