BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-03
Company: Williams & Fudge, Inc
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I submitted a complaint about  XXXX   XXXX  of  XXXX  trying to charge me almos st 5,000 do llars for attending their school for a few weeks. Now they have a company calle d Williams and Fudge hara ssing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF TRANSUNION NEEDS AUTHORIZATION TO PROCEED, THEN I XXXX TRANSUNION MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior XXXX member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX 1970 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 2022-02-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I am name is XXXX XXXX and this This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9900.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$290.00} XXXX  XXXX XXXX Balance : {$3200.00} XXXX  XXXX  XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-11-22
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent Debt verification to company, have not heard from Radius Global Solutions.

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 2023-07-12
Company: EQUIFAX, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX DEPT OF ED XX/XX/XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: ME
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 have attached an FTC report with inquiries I did not apply for or authorize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: Experian Information Solutions 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: 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. XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
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 2022-02-21
Company: CORELOGIC INC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The mortgage promised it was a soft pull but they have partnered with this CREDCO to to do a hard pull on my credit.

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 2022-02-21
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018, I opened an account with XXXX. I got a derogatory remark on my XXXX credit repot stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: CA
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 have filed a CFPB complaint regarding the following accounts : XXXX XXXX account # XXXXXXXX XXXX account XXXX XXXX I have also submitted multiple disputes regarding these account being improperly reported. XXXX XXXX fraudulently locked my account and closed it out as a charge off. XXXX closed the account with a balance on it and did not allow me to pay off the account. 

It has been well over 30 days for them to respond to my complaint. These account need to be immediately removed from my credit report.

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 2022-11-21
Company: Grain Technology, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
The company contacted me via email letting me know that they were not able to take XXXX  payment because my bank account was no longer attached to their bank. I tried going to their app and it doesnt work I tried calling them theres no one to speak to they Refer you back to the app.. because the app is Inoperable I tried reaching out through social media XXXX there was XXXX person that said that he was a tech theyre not allowed to speak to people he said that he would contact them and they were con tact me through email they did they sent me a link to reset my password on a app that does not work I tried to contact them upwards XXXX times every time I email them it says that someone will get back to me and when they do get back to me probably a week later its through the email saying that they reset the password I contacted the XXXX XXXX XXXX to see if they could contact them they have XXXX complaints complaining of the same things that Im complaining about.. I would like to pay them off and be rid of them they have ruined my credit XXXX of my creditors have already lowered my Limits I want them to take the late payments off of my credit report and help me to redeem myself and I wan na pay them I want to be rid of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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: Old information reappears or never goes away

Complaint:
I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include [ list fraudulent account details ], are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXXXXXX Balance $ {$2000.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance {$1900.00} XXXX XXXX XXXXXXXX Balance {$10000.00} XXXX XXXX XXXX {$0.00}. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/2019 I wrote Transunion and informed them of several inquiries that was on my report that was unauthorized and had asked them to contact the furnisher for proof of a signature that I applied for credit. I sent the letter certified mail with tracking number XXXX and was received from TransUnion on XX/XX/2019. I then received a letter from Transunion on XX/XX/2019 without the verification I had requested and was told the inquiries will remain on my credit report for two years. I then resent a second letter on XX/XX/2019 asking them again to provide me documentation with my signature that I had authorized for my credit to be ran by these companies with tracking number XXXX which was received by TransUnion on XX/XX/2019 and they still did not respond back with the requested verification I asked for in which I received on XX/XX/2019. I have given them over 30 days to provide me with verification and they still have not provided me with such.

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 2023-07-08
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home with Freedom Mortgage XXXXXXXX XXXX XXXX XXXX CA XXXX in XX/XX/XXXX. The cash out from my refinance included repayment of my major debts. Freedom mortgage used a charter company named XXXX XXXXXXXX to complete the debt consolidation portion of my loan. XXXX XXXX mailed me 11 paper checks issued by XXXXXXXX XXXX in the amount of the various account balances. I sent these checks via priority mail to my creditors. Unfortunately, 5 of the 11 checks were intercepted and stolen from the post office. The checks were deposited into an individual account and XXXXXXXX XXXX cleared the funds. 

XXXX XXXXXXXX alerted me to the fraud and informed me that XXXXXXXX XXXX  will not reissue the checks until a fraud investigation has been completed. As part of the investigation, XXXX XXXX is requiring me to send affidavits to the creditors in question and return the affidavit notarized before they reissue the check. The creditors and balances in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5200.00} XXXX. XXXX XXXX XXXX : {$3900.00} XXXX. XXXX XXXX XXXX : {$1700.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} XXXXXXXX XXXX XXXX XXXX : {$520.00} I have contacted the 5 creditors on a weekly basis since the notification in XXXX of XXXX. So far, Ive only gotten a response with the affidavit signed and returned to by one creditor, XXXX XXXX XXXX. Today I am writing as I am exhausted by this requirement by XXXXXXXX XXXX Ive spent over {$300.00} in mailing fees and no result from the 4 remaining companies. I think I am being wronged because I am paying a new higher mortgage payment and Ive yet to receive relief from the debt I had previously. I am including correspondence that I have received back from some of the creditors. This has become a financial burden as I am still paying on these debts and now have a higher mortgage payment. 

Timeline of events XX/XX/XXXX : Mortgage closed, and checks issued. Checks mailed to creditors and fraud reported. 
XX/XX/XXXX : I sent a second round of correspondence to my creditors. 
XX/XX/XXXX : Began paying new mortgage payment. No response from creditors. 
XX/XX/XXXX : XXXX XXXX  made contact but no change in requirement for affidavits. 
XX/XX/XXXX : XXXX XXXX XXXX returned the affidavit. Provided the affidavit to XXXX XXXXXXXX. 
XX/XX/XXXX : No communication XX/XX/XXXX : No communication XX/XX/XXXX : No communication XX/XX/XXXX : XXXX XXXX  notified me that XXXX XXXX  has agreed to reissue the check for XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: WESTSTAR MORTGAGE CORPORATION
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I financed repairs to be done to bring my property up to standards through a XXXX loan and the contractor I chose and who was approved by the lender did not complete the work and did more damage than repairs. The lender was made aware of this XX/XX/2015. They were in control of my funds and released 1/2 of the funds to the contractor up front ; they allowed the contractor to exceed his contract due date. And, now they are saying I am in default, even though I have made all my mortgage payments. They are blaming me for the work being stopped for more than 30 days. 
In XXXX 2015, after allowing the contractor to exceed his 90 day contract, the the lender hired a HUD consultant. The HUD consultant stated that 85 % of the work was complete, regardless that it had not been completed in a workman like fashion and failed the final inspection. The lender since XX/XX/2015 insists on only allowing the remaining funds on the loan to cover a repair list provided by the same HUD consultant ; completely ignoring the bid of record which was given to the appraiser in XXXX 2015. 
They have refused to accept any other bids which now exceed the amount of funds left on the loan due to their allowing the contractor damage more than he repaired. They promised that " no matter what he does, we will get someone in there to finish, fix and repair. '' XX/XX/2015 the lender wanted me to allow the remaining loan funds be applied to the pr principle of the loan ; at the same time they were made aware that the new roof was now leaking into my brand new living room and the support beam etc. was not repaired. They have repeatedly threatened default taking their attorney 's fees out of the renovation funds as well. I have also spoken with the original appraiser and he stated not only did the ask for the appraisal and was given the report XXXX/XXXX/15, they then requested a completion inspection on XXXX/XXXX/15 ; the actual closing did not occur until XXXX/XXXX/15 and he sent correspondence asking if they were certain ; they insisted on an inspection ; he inspected and sent a report that none of the repairs had been completed. FHA and HUD have done a review at my asking ; at the time they were not aware of the appraisal issues ; but I have communicated my new findings to my contact in XXXX XXXX. The chief of HUD and the contacts at FHA have urged me to contact you and keep pursuing the issues through my attorney which is difficult because I am a single female and have limited funds ; the co-borrowers are my XXXX year old parents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
the alleged debt from Capital One was sold to a 3rd party " XXXX XXXX XXXXXXXX '' without my permission, and I have been contacted several times via email and text message by the 3rd party " debt collector ''. they are harrasing me and using abusive words such as " debt '' and " owe ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: TX
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 sent in several dispute letters that these accounts are not validated and theres no proof of my signed signature on the documents and no valid proof these accounts belong to me I sent in several dispute letters of removal these accounts werent investigated properly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: AL
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:
i recently seen some inaccurate and incomplete information on my credit report from the CRA 's ( XXXX, equifax, and XXXX  ). I sent them dispute letters on XXXX XXXX, requesting documentation and the validity of the alleged debts, 15 USC 1681 and have not yet received anything. 
Equifax certified # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax, XXXX, and XXXX are not reflecting my credit report with the exact same data. Some accounts are reported and some are not across the 3 Credit bureaus. 
Equifax, XXXX, and XXXX are not Metro2 Compliant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-20
Company: CarMax, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Im currently XXXX  XXXX  military and informed carmax that I wished to utilize my XXXX benefit and terminate my auto loan and no longer be indebted to Carmax auto finance. Ive served them with a notice of termination and have to tried to get them to terminate my loan but they keep telling me thats its not possible and I can only voluntary surrender the vehicle and they auction the car and I pay the remaining balance which is not what I needed done. They dont want me to terminate my loan even though its a clear right stipulated by XXXX  law

Company response to consumer: Closed with explanation