BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: Williams & Fudge, Inc
State: TX
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:
On XX/XX/2023 I received a notification from XXXX credit monitoring that a new collection was placed on my XXXX credit file. 

This alleged Collection account was placed on my XXXX credit file reporting from Williams and Fudge Inc. 
XXXX XXXX XXXX, XXXX XXXX, XXXX ( XXXX ) XXXX * This is a violation of the FDCPA and FCRA as I was NEVER initially notified by Williams and Fudge of an attempt to collect a debt or my right to dispute prior to reporting to a consumer reporting agency. 

On XXXX the XXXX, XXXX  I sent Williams and Fudge Inc a debt validation request to the address that was being reported on my credit file. ( USPS Confirmation # XXXX XXXX XXXX XXXX XXXX XXXX XXXX The US Post master informed me that their zip code was NOT correct ) On XXXX the XXXX, XXXX  Williams and Fudge Inc, received and signed for the debt validation request. 

On XX/XX/XXXX  I disputed this alleged collection with XXXX ( Confirmation # XXXX ) as it is a violation of the FDCPA and FCRA as I was NEVER initially notified by the debt collector before they placed the alleged collection on my credit file. 

On XX/XX/XXXX  XXXX received an update from Williams and Fudge Inc that this alleged collection account belongs to me. This is a subsequent and clear violation of the FDCPA and FCRA as Williams and Fudge update INVALDIATED information during the 30 days debt validation period ; this was just 7 days after they received my debt validation request. 

As of today Williams and Fudge still has not validate this alleged debt to me and is refusing to remove it from my XXXX Credit report. To be clear I was NEVER notified of an alleged debt by this debt collector before placing it on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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 XXXX XXXX resides at XXXX XXXX XXXX and is a VETERAN of the United States XXXX is a victim of Aggravated Identity theft and is being violated by these companies as a consumer. I have reached out to these companies four times stating law 605B.15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. These companies have done nothing but ignored my letters and leave remarks on my credit report stating that these accounts have been verified. Here are the USPS Tracking # numbers for each letter sent : XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to dispute the accuracy and completeness of my consumer report that you have provided to me and other parties who have received this report. I believe that my consumer report is not in compliance with the laws set forth by the United States Code ( USC ) governing consumer reporting agencies.

Specifically, I believe that the information contained in my report is inaccurate, incomplete, and misleading. This inaccurate information is harming my ability to obtain credit, employment, and other important opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies like yours are required to ensure that the information contained in consumer reports is accurate, complete, and up-to-date. The FCRA also requires that consumer reporting agencies investigate any disputes that are submitted by consumers like myself. 

I am requesting that you investigate the inaccurate information in my report and take steps to correct it. I am also requesting that you remove the accounts listed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Thank you for your attention to this matter. I look forward to hearing back from you. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
Since last Friday XX/XX/23 I have been trying to access the MyLoanCare website to request a payoff statement for my mortgage. I sold my property and will be closing soon. I was unable to access the website all weekend. Yesterday ( XX/XX/23 ) I tried call Loan Care as well as XXXX XXXX XXXX ( my mortgage company XXXX Loan Care has a message on their phone that says their operations are down and no one can access their accounts. I was unable to reach anyone at XXXX XXXX XXXX. From what I read online XXXX XXXX XXXX who owns Loan Care was a victim of a cyber attack over a week ago. No mortgage holder can pay their monthly mortgage payment, pay their insurance, taxes etc. Who will be responsible if I can not close on my property sale because I don't have a payoff statement?

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 2021-12-18
Company: EQUIFAX, INC.
State: MI
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:
These accounts are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing how these accounts was opened without my full consent. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

XXXX **** {$6000.00} XX/XX/XXXX XXXX {$18000.00} XX/XX/XXXX FTC report is included and these accounts are included in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to Consumer Fair Act 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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to Consumer Fair Act 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 2023-06-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2021-07-22
Company: Affirm Holdings, Inc
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received my order damaged and tried to resolved it with merchant. Merchant was radio silent. I disputed the purchase with Affirm and despite having evidence that I was being ignored, they denied my dispute. I am not happy with that result since the item I received was not as described.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: NC
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:
In XXXX of XXXX, I realized that on my report their was inaccurate information being reported. The auto loan is from XXXX XXXX XXXX opened on XXXX of XXXX. I have reached out to the company to get removed but no luck. Please remove this fraudulent account!

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 2021-01-12
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
on XX/XX/XXXX I signed a series of documents for myself and my wife. It was my understanding that these documents were for the freedom mortgage product titled " IRRL VA Streamline '' that carried an interest rate of 2.6 % and a reduced mortgage payment of {$2900.00}. One of the features of this product that there was no credit check for current freedom mortgage customers. The loan officer confirmed the documents completion and informed me that someone from the company will contact me to finalize. However, on XX/XX/XXXX I received an email from freedom mortgage with my credit report and a denial letter. This of course is confusing because I was not told that my credit was going to be pulled for anything. I attempted to have this issue explained and resolved by other administrative staff of freedom mortgage, but apparently this " denial '' status has essentially removed any support privileges that I have enjoyed in the past as a customer in good standing. I have spoken with a series of departments and so far no one from Freedom mortgage has made any attempt to follow up with me on this matter. After researching the company CEO 's email address, I forwarded my communication to him. The company 's Senior VP sent me an email that day on XX/XX/XXXX accepting the responsibility of addressing my issue and confirmed that someone will contact me via telephone. No one has called me since the issue began on XX/XX/XXXX. In addition, I received another email from the company 's Senior VP on XX/XX/XXXX requesting proof that I have the credit report that they sent me on XX/XX/XXXX. The credit report was sent through a system that houses the company 's documents. When clicking the link, all of the documents that I signed for the IRRL refinance are suspiciously gone and so is the hard credit report pull that was sent to me twice on XX/XX/XXXX, the error states " documents are no longer available ''.

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 2022-06-10
Company: TFC Credit Corporation of California
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I signed and gave the XXXX XXXX a down payment of {$490.00}. They told me by mouth to pay the school loan after you are finished with the entire course. Which every school loan is paid after completion. After there will be an exam to take when the course was completed. Well I failed the exam and was told to start paying the loan the week after. The school withdrew XXXX out of my account three times and refunded it back after I told them about what they told me before I signed the paper work that I was going to pay the loan after the course was completed. I did the 75hrs of class. I emailed the instructor for a retake and he told me that I was needed supervision for a retake after. Along this time to find there program app wasn't going to be functioning after XX/XX/2022. Im an honest person seriously even the class wasn't what I was expecting and there's something shading. There's something not adding up. There website for the class was functioning write too. All numbers of contact to call back are not in service and were unknown numbers. 

# XXXX XXXX XXXX XXXX XXXX in Administration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
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:
This letter is a follow up to my original letters dated below. Regarding inaccuracies in the below mentioned credit bureau 's file on me, as it relates to credit inquiries & fraudulent accounts ... XXXX, XXXX and Trans Union ... Submitted to the CFPB on XX/XX/XXXX, Submitted to the CFPB on XX/XX/XXXX, Submitted to the CFPB on XX/XX/XXXX, Submitted to the CFPB on XXXX 
I sent a copy of all outstanding and outdated information along with unauthorized inquiries requesting the removal of the items.. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Therefore, I am requesting an investigation under 611 FCRA. Please also comply with Section 609 of the FCRA. Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon requests, and subject to 610 ( a ) clearly and accurately disclose to the consumer. Identification of each person ( including each end-user identified under section 607 ( e ) that procured consumer report. I'm requesting you reinvestigate and delete the following " unknown '' accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the CFPB and the Attorney General 's office. Should you continue in your non-compliance.

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 2021-03-27
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Call every Monday-Saturday When they first made contact it was to my fiancs phone number whom they assumed to be my spouse. They told him all the information in regards to the debt which is illegal being he is not my spouse. They had his phone number but not mine. Ive talked to them before and told them Id call back when it was convenient for me as I was working when they called my phone number. 
Now they have not stopped calling every single day, Monday-Saturday. Now today they have had called three times. 


On Saturday XX/XX/XXXX they called 3 times, XXXX, XXXX and XXXX Friday, XX/XX/XXXX XXXX Thursday, XX/XX/XXXX XXXX Wednesday XX/XX/XXXXXXXX Tuesday XX/XX/XXXX XXXX Monday XX/XX/XXXX XXXX Saturday XX/XX/XXXX XXXX I attached a screenshot and their number shows as Credence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: MO
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:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2023-06-20
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account. I firmly believe that this limitation was placed in error, as I have not violated any PayPal policies or engaged in any activities that warrant such action. 

I kindly request PayPal to re-evaluate my case and conduct a thorough investigation into the circumstances that led to the limitation of my account. I am confident that upon re-examination, it will become evident that there has been a misunderstanding or mistake. I have always strived to adhere to PayPal 's terms of service and have been a responsible user of the platform. 

I kindly ask for your understanding and cooperation in resolving this matter. I understand that PayPal must take appropriate measures to ensure the security and integrity of its services, and I fully support these efforts. However, I strongly believe that my account has been mistakenly flagged, and I request that you give it a fair review. 

If possible, I kindly request PayPal to restore my account to its previous state, allowing me to continue using your services for my online transactions. I have been a loyal customer for a significant period of time, and I have always appreciated the convenience and reliability of PayPal. 

For your reference, the email address associated with my PayPal account is XXXX. I kindly request you to take this matter seriously and expedite the investigation process. 

Thank you for your attention to this matter. I sincerely hope for a prompt resolution and the reinstatement of my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Tri-State Adjustments, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A Rep from Tri State Adjustments , Inc. repeatedly leaves messages for me for some unknown debtor. They call several times per day.

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 non-monetary relief