BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: Experian Information Solutions 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. XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Collections Account # XXXX, XXXX Funding Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A section XXXX : 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 2023-07-25
Company: Solar Mosaic LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did sign a contract with Mosaic XXXX XXXX XXXX to finance my solar system with XXXX XXXX. XXXX did not install any system and they call me to cancel their contract because they could not install the solar system as the city want it to. XXXX even told me : XXXX XXXX the supervisor : " We usually have an inspector to sign our installation in every city but in the XXXX XXXX we do not know anyone there, they will not approve our installation. We will need to cancel our contract ''. 
Despite they do not install the solar system, they damage my roof, they are sending me letters, calling on the phone, threaten me to put a line on my house for non-payment. 
I did contact them and write them letter. They still want me to pay them XXXX dollars for service and products they did not provide. 
I did stop with my bank the automatic payment that was provide when I was signing the contract. 
Please help me stop those two company harassing me via phone and letters. I do not owe them any money because they breach their contract. I do not have system solar installation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
I opened a XXXX store credit card a little over a year ago. Everything was going well and I never had an issue. A few months ago I received a notice that my XXXX card would be converted into a MasterCard. 2 Months ago I noticed XXXX removed the Credit Card and its history from all 3 of my credit reports. My credit score has dropped over 50 points because of this. Im requesting you add the tradeline back to my Credit Reports.

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 2023-02-08
Company: EQUIFAX, INC.
State: IN
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:
INFORMATION ON MY CREDIT REPORT IS INVALID AND NOT METRO 2 COMPLIANT AND NEEDS TO BE DELETED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: BBVA FINANCIAL CORPORATION
State: OH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2020 I accidentally bover paid my credit card with BBVA Compass. Once realized I had over paid I called them. It was before the end of XXXX. Because I had doubled my payment, account was frozen and I had to speak to the fraud department. I was advised the hold would be removed & a check would be sent to me. 

XX/XX/XXXX called again, was advised overage check had not been requested. It would take up to 10 business days for me to receive the check. 

I've called every week since than. I advised BBVA no check. 

So today I was advised that at XXXX EST they would file an escalation for me. I tried to explain to various people, I've received mail today. It will do no good to wait for XXXX. I just my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: CL Holdings LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had paid debt collection XXXX on XX/XX/2023 amount {$110.00}. XXXX sold info to collection agency Jefferson Capital System XXXX XXXX XXXX. XXXX XXXX, mn XXXX. Contacted Jefferson several times number XXXX that needed letter sent me debt collection and that already paid debt XXXX Jefferson agency stated that never received payment XXXX XX/XX/2023. Due have reference from XXXX XXXX # XXXX. Also requested debt letter company stating payment owed never received one. Due that collection already paid XXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/18 I sent a payment of {$320.00} to XXXX through XXXX XXXX with XXXX. She banks with XXXX  XXXX XXXX and at the time said that she could see it processing, but then never received it. My bank has said the transaction has been completed. So she doesn't have the money, and I don't have the money. This was for rent and I now face possible eviction if I can not receive this money within the next month. Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX  XXXX {$110000.00} XXXX  XXXX {$110000.00} XXXX  XXXX {$25000.00}

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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
There is an account reporting on my report in the amount of {$5500.00} from XXXX XXXX XXXX XXXX, XXXX did not allow me to dispute the information found on said account, which includes an incorrect date opened, as well as they are reporting a balance past due on a collection account which both are against the fcra, all information reported must be accurate! Please help me in resolving this issue

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 2020-12-10
Company: AMERICAN EXPRESS COMPANY
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Notice of Rebuttal XX/XX/2020 On XX/XX/2020 Ive received a piece of communication from American Express, claiming that the billing dispute with XXXX for the amount of {$250.00} was resolved. In that message merchant provided a copy of the same receipt they had provided previously, on top of that theyve had included some new manually written comments, but a part of that they didnt provide any other new documents, while Ive previously submitted copy of the billing statement from XXXX Visa and a copy of digital receipt from XXXX XXXX  all of these could be found attached and are already saved on file. When Ive requested the dispute to be appealed and processed again it was opened and closed the same day. 
I dont agree with the outcome of the investigation, I dont feel that the documents submitted by me and therefore the whole billing dispute was processed accordingly and request the appeal by the higher office of American Express and looking forward inquiry be sent back in to dispute. Please, consider document previously and currently attached and credit back {$250.00} back to my XXXX account. 
Kind regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-23
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt appeared on my credit report prior to having received any information about the debt at all. It was reported days prior to receiving notification. No information was received from who they claim the current creditor is nor from who the original creditor they claim is. I disputed the debt and requested validation and it reappeared on my credit reports within 2 days without receiving any verification or validation from anyone that the debt is valid. The dispute results gave no information as to what was updated after the dispute. It only said account updated, and the information was exactly the same as it was prior to disputing. I have absolutely no idea what this debt is, why they claim I owe it, what it was for, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Dynamic Recovery Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Around XX/XX/XXXX I received a letter from Dynamic Recovery Solutions dated XX/XX/XXXX. The letter states there client XXXX XXXX XXXX has purchased my debt from XXXX XXXX  and they are attempting to collect it for them. The debt amount is for {$1000.00}. On XX/XX/XXXX I responded with a letter requesting more information about this debt including receipts that where already paid towards the debt. The tracking shows this was received by Dynamic Recovery on XX/XX/XXXX. USPS # XXXX. On letter dated XX/XX/XXXX Dynamic Recovery responded with a Word document showing amount owed and no proof of any previous payments. On XX/XX/XXXX I responded to Dynamic recovery with a copy of the receipt to XXXX XXXX  showing account was paid in full on XX/XX/XXXX. I requested Dynamic recovery to notify all parties that this debt is paid in full and requested to end all communication with myself. USPS # XXXX. On letter dated XX/XX/XXXX, Dynamic Recovery sent another letter. This letter was similar to the original letter. Dynamic Recovery never acknowledges receiving the copy of the receipt showing paid in full. Dynamic Recovery is again currently trying to say if I don't acknowledge this debt within 30 days of the date then they assume its valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-20
Company: CITIBANK, N.A.
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I initiated a charge with the XXXX app, using my Citibank Mastercard as a method of payment. XXXX informed me that the charge for {$9.00} was declined in their systems and that I needed to contact Citibank to find out why. The charge was approved and it's still pending with Citibank. I explained to multiple Citibank representatives that XXXX informed me that the charge had declined in their systems and that there was nothing that could be done on their end to rectify the problem. Citibank still has the funds on hold for this charge and are REFUSING to resolve this problem or reach out to XXXX in regards to this issue. Citibank 's response is for me to state that the charge was fraud, which it wasn't, being that I authorized the charge to be charged to the card. XXXX, the Citibank representative on XX/XX/XXXX stated in chat that the only way that Citibank would attempt to resolve this problem is for me to claim this charge was fraud ( which XXXX could attempt to file criminal charges against me ) when this transaction was not fraud. I informed Citibank of this issue on XX/XX/XXXX when XXXX informed me of the issue. XXXX, another Citibank representative stated that the hold of funds would be released after 3 to 4 business days. That time has elapsed and this charge is still showing as pending. On XX/XX/XXXX, XXXX stated that this charge and hold will remain for 30 days of which gives XXXX the time to claim this charge, which I have stated to these representatives that XXXX claims they can not claim any charges because said transaction was declined in their system. Again, this issue is being left unchecked, while my card balance isn't correct.

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 2022-04-27
Company: SYNCHRONY FINANCIAL
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:
I discovered this morning that Synchrony Bank closed ALL of my accounts with them, regardless of length of account or the status of the account. None of the accounts were in default and I have a 100 % clean payment history across all of my credit accounts including those with Synchrony Bank. My accounts closed include : Care CreditXXXX XXXX XXXX, XXXX, PayPal Credit and Lowes. I asked why my accounts were closed and the only reason they would give is based on my XXXX credit report. I immediately checked my credit report and there is nothing changed on it. I have a 100 % clean payment history, no accounts in default and no collections. I even recently paid off two loans, one personal and one car loan. There is nothing negative in my credit file at all.

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 2020-12-10
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: Information belongs to someone else

Complaint:
XXXX I downloaded the Experian credit app and notified my credit was significantly different from my other two reporting agencies. After further investigation, I noticed there was an open account for a loan for the amount of {$5000.00} open in XXXX of XXXX. I have never applied for the loan nor have I ever been made aware of this loan. All of my loans I have taken out for college have been through XXXX XXXX and have been paid on time 100 % of the time. I also noticed that my credit score recently went down 121 points due to the account being 180 days delinquent. I have tried disputing this through Experian and have not had any luck. Theres no phone number to reach this company at, or I would have called to try and dispute on my own. As stated before, I never applied for this loan and have never received a notice that I have ever taken out this loan.

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 2020-05-29
Company: EQUIFAX, INC.
State: LA
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. XXXX {$1200.00} XXXX {$590.00} XXXX {$2400.00} XXXX {$520.00} XXXX {$130.00} XXXX {$130.00} XXXX {$490.00} USDEPEDXXXX {$7400.00} XXXX USDEPEDXXXX  {$2100.00} XXXX {$60.00} USDEPEDXXXX {$9500.00} FEDLOANXXXX {$3500.00} FEDLAON XXXX {$5500.00} XXXX {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: ID Analytics, Inc.
State: MA
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 have a complaint against XXXX regarding a item I have disputed on my credit report numerous times..My most recent dispute was received with the results from XXXX on XX/XX/2020 ..Account XXXX from Child Support Enforcement Status Remains Unchanged and Information received Certified.The account is listed as Negative /Derogatory. I spoke to New York State Child Support Enforcement and they said this account was not reported to the credit bureaus because I never had a balance or a past due amount..the account was transferred from another state South Dakota thru interagency communications to New York by error and then almost within a month transferred back to South Dakota from New York per their request..then the account was closed with XXXX balance in New York..New York State sent me a statement showing XXXX original balance and no balance due or late..I submitted this information to XXXX but they keep reporting on my Disputes that the State of New York is verifying it was a ChargeOff /Collection and Derogatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 have a complaint against XXXX regarding a item I have disputed on my credit report numerous times..My most recent dispute was received with the results from XXXX on XX/XX/2020 ..Account XXXX from Child Support Enforcement Status Remains Unchanged and Information received Certified.The account is listed as Negative /Derogatory. I spoke to New York State Child Support Enforcement and they said this account was not reported to the credit bureaus because I never had a balance or a past due amount..the account was transferred from another state South Dakota thru interagency communications to New York by error and then almost within a month transferred back to South Dakota from New York per their request..then the account was closed with XXXX  balance in New York..New York State sent me a statement showing XXXX original balance and no balance due or late..I submitted this information to XXXX but they keep reporting on my Disputes that the State of New York is verifying it was a ChargeOff /Collection and Derogatory.

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 2023-05-17
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:
I have disputed the errors in my credit report by sending detailed supports because they can not eliminate the incorrect information and they automatically respond that it is correct and verified. more than 1 year occurring

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 2020-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 went to the XXXX dealership to see what my options were for trading in my vehicle. I was told that only a couple of banks would be checking my credit to see if i am approved. The dealership never mention I would have over 30 inquires on my credit. They never asked for my approval. Throughout my conversation with one of the salesman from the dealership he say bank, assuming 1 or 2 banks. Not 30

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: PA
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Alliance One, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear M'm/Sir : I am a XXXX year old citizen on Social Security. 
I received a letter in the mail yesterday, dated XX/XX/2020 demanding that I owe {$1500.00} to Alliance One Receivable Management Inc XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX Acct. XXXX. I don't know they are. On closer inspection it says their client is XXXX XXXX. 
This shocked me to the core. 
I didn't have any credit card from that bank. 
Now ... it makes sense ... I have been receiving several phone calls made to me for several weeks from XXXX -- XXXX ( I never pick up the phone unless I recognize who's calling ) I am on pins and needles since last night with worry and anxiety. 
Either this is case of ID Theft ( as it happened to me a few years ago ) or it's some serious case of Fraud to terrorize a senior citizen. 
I am speechless. 
I hope U.S.Government punishes these domestic terrorists so they can't terrorize others like me. 
I live in a public housing and am struggling to keep the wolf from the door. 
I need and seek your help, please. 
I don't know what else to do. 
Thanks, Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief