BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
State: NY
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:
Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the creditor and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: OneMain Finance Corporation
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
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 status incorrect

Complaint:
I received a credit alert from XXXX that i had a credit alert. when i checked my alert my credit score had dropped aprox 100 points and my XXXX credit card was listed as closed by account creditor and was listed under negative accounts. On XX/XX/XXXX my score was XXXX and today it dropped to XXXX. This is what was taken from my alert page : The following changes were reported for your XXXX/XXXX account : Balance Amount Changed from {$550.00} to {$570.00} Comments on your account changed from Charge, Amount in H/C column is credit limit to Account closed by credit grantor, Charge, Amount in H/C column is credit limit, Closed I just spoke with the bank and I have an available credit on the card and this card is not closed. My other issue with how they reported my XXXX XXXX card was reported to negative account when it was closed by me. not the grantor.

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 2022-10-04
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
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, has violated my rights.

15 USC 1681 Section602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a creditcard account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or 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 explanation
Consumer complaint received 2019-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019, when I logged into my Bank of America account I was prompted to call to review my account information. I had two credit cards with the grantor. One had a {$6000.00} limit and one had a {$12000.00} limit. I've always paid on time and have good/great credit. Upon calling, I was shuffled around between 5 or 6 different representatives all unable to really confirm what the issue was. They asked me if I was trying to complete a balance transfer. Almost as if saying I was would have led to a different decision. When I said no I was only trying to keep the information current on my account they informed me that " my account was up for review '' and decided to close the {$6000.00} limit account ( which had no balance previously ) and reduce the {$12000.00} limit to {$500.00} ( which had about a {$200.00} balance on it ). When I asked why they said I have alarmingly high credit usage of about 60 % across all of my accounts, which is not true. My overall utilization has never been over 25-30 %. When I asked for proof or other reasoning behind this they essentially told me that they can do what they want and their decision is final. I have been a long-term customer, only with credit accounts, but I guess that wasn't good enough for them. They wanted me to open more accounts and fully tie my finances into their horrible practices. They saw they weren't going to make extra money off of me so decided to drop 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 2021-03-26
Company: Experian Information Solutions 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:
This is probably the 4th time trying to resolve this and Im getting tired of disputing this account that ISNT reporting correctly. Im almost positive that items on your credit report that arent ACCURATELY reported are to be deleted. How is it that the account keeps being verified and updated when its constantly coming back with the SAME info! 

The account from XXXX XXXX ( XXXX XXXX XXXX ) was paid in full, yet the account is still reporting as derogatory. This is the last time Im contacting you all regarding this account. My next step will be me getting an attorney.

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 2022-02-11
Company: Solar Mosaic LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I purchased solar panels from XXXX XXXX XXXX and were advised that the payment for the panels would begin when the panels are installed. The contract was signed on XX/XX/XXXX and its now XX/XX/XXXX and I have no solar panels. I received a copy of the contract that stated my 1st payment will be due on XX/XX/XXXX instead Mosaic sent me a statement for a payment due on XX/XX/XXXX. I will have to pay 2 bills my electric bill and Solar bill with no solar panels to show for it. I was advised by Mosaic to discard the contract and pay them on XX/XX/XXXX. I asked to speak with the manager to get the situation escalated and at the end of the week I was advised to make the payment by the manager XXXX. 
This is very confusing and unfair to pay for goods and services I dont have especially when I have a copy of a contract with a different due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-07
Company: EQUIFAX, 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:
I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies.

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 2021-02-12
Company: Selene Holdings LLC
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My house is on foreclosure and I wanted to get help from my lender because I dont want to lose my house but after calculating my missed payments I should be behind by only $ XXXX. The bank seems to have added $ XXXX in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I called Citibank ( XXXX ) on XX/XX/22 at XXXX XXXX to close my Savings Account. The Customer Service Agent advised they could not close my account and gave me another number ( XXXX ) to call to close my account. When I called that number, they stated I needed to provide them with my account number and social security number. They then asked for my credit card number because they needed to charge me {$4.00} to proceed with closing my account. This did not sound right so I hung up and called the original Citibank number back. This time the Agent said they could help me and they closed my account. Unfortunately, someone has my account number and social security number and I don't believe it's actually Citi, even though one of their employees gave me the number which I verified was correct with them before calling.

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 2019-10-07
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I was a victim of consumer fraud, in buying tickets to a Football game. I was asked to use Zelle to pay. I was concerned about this, until I read Zelle 's website, which states " Make every day better with Zelle - a fast, safe and easy way to send money in minutes '' Given that this was listed as Safe, I proceeded with the transaction. The tickets never arrived. When I reached out to Zelle I was told that there is no way to Cancel a Zelle transaction. This hardly seems " Safe '' as they had promised.

I looked over their website after the experience, and further found where it said " ith Zelle, you can send and receive money with peace of mind. Safely and easily send money to people you know through your trusted banking app ''.

This seems awfully fraudulent to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made a {$330.00} credit card payment from my XXXX XXXX   account to Capital One on XXXX XX/XX/2019. Although Capital One received the full payment, the financial institution refuses use of its line of credit. Representatives from Capital One stated in phone calls on XXXX XX/XX/2019 there was a seven day hold on the payment until XXXX XXXX verified the funds. Twice on XXXX XX/XX/2019, Capital One representatives contacted XXXX XXXX   which confirmed there was a pending payment. 

Capital One placed a seven day payment hold effectively freezing all account activity and subsequently blocking all transfer of funds. Capital One makes decisions to allow payment processing and use of its lines of credit based on its discretion, despite having verified funds from another financial institution. 

I stated to the Capital One representatives that it made no sense to disallow use of credit lines by placing a seven day payment hold. I also stated it made no sense using their services because I couldn't use their credit card. Furthermore, I expressed anger at the fact Capital One had the power to hold funds in suspense without granting privileges even after contacting my financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: SHAPESHIFT AG
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I had {$200.00} that I wanted to invest into Ripple ( XRP ) with. I usually use ShapeShift. This company is supposed to be a very reputable and trustworthy cryptocurrency exchange. However, I recently noticed that they have been keeping peoples money for profit. This is a disgusting activity to take part in especially when you are running a service where trust is of utmost importance. I have yet to receive my XRP and I believe they are holding my money as a way to make them some extra cash. I am not ok with this and I demand that something is done. They do not deserve customers or business if this is the kind of operation they want to be running.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Santander Consumer USA Holdings Inc.
State: NY
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:
Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the credit and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the credit and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.

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 2019-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted all the credit berue on XXXX cause i have so many hard inquires made without my authorization

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-13
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: Credit inquiries on your report that you don't recognize

Complaint:
I submitted a multiple inquiry letter to the credit bureaus asking that the inquiries be removed in XXXX
XXXX
The company XXXX XXXX XXXX XXXX, which I did not give authorization to share my information with multiple companies, which resulted in multiple inquiries on my credit report XXXX 2015 and XXXX 2015 with XXXX, Experian, and XXXX credit reporting agencies.
 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank youXXXX 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 explanation
Consumer complaint received 2017-07-13
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: Credit inquiries on your report that you don't recognize

Complaint:
I submitted a multiple inquiry letter to the credit bureaus asking that the inquiries be removed in XX/XX/XXXX.
<P/>
The company XXXX XXXX XXXX XXXX, which I did not give authorization to share my information with multiple companies, which resulted in multiple inquiries on my credit report XX/XX/XXXX and XX/XX/XXXX with  XXXX, XXXX, and Equifax credit reporting agencies.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I HAVE ATTEMPTED TO DISPUTED THE INACCURATE INFORMATION WITH THE COLLECTION AGENCY AS WELL AS THE CREDIT BUREAU AND THE INFORMATION IS STILL REPORTING INCORRECTLY AND IS HINDERING MY CREDIT AND STOPPING THE PROCESS OF ME PURCHASING A HOUSE. THE ACCOUNT ISN'T SHOWING IT HAS BEEN SETTLED.

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 2022-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On Friday XX/XX/2022 I received a Capital One debit card via mail. 

I called Capital One and asked how the checking account was opened and when. 
They did not know. 

I asked to close this account as I did not open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
State: IN
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 have called XXXX multiple times in regards to this vehicle on my consumer report. I XXXX XXXX, natural person and consumer has stated that myXXXX  is paid for free and clear. XXXX  company continues to run my credit score into the ground because inaccurate information. XXXX XXXX XXXX refuses to release my title although they do not have any verifiable documentation to prove they actually loan me money. This issue has caused a big hardship on my family because we can not get a home due this destroying my credit. XXXX  has no right to place this information on my consumer reports when I have informed them that it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: EQUIFAX, INC.
State: GA
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:
Dear Equifax and XXXX, I attached a copy of the letter from XXXX XXXX stating your company to delete and remove this account immediately from my credit report and credit files. I still want to know why your company violated my consumer rights because based on this letter XXXX stated they sent a request for Equifax to delete this account on XXXX XXXX, 2016. Therefore, both Equifax and XXXX have violated my rights under Fair Credit Reporting Act for reinserting a recently deleted item back on my credit report as well as did not comply with the collection agency request. I have already talked to a consumer attorney on this matter and I will be forwarding this letter to the Better Business Bureau as well as the Attorney General Office.

Company response to consumer: Closed with explanation