BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-03
Company: CORELOGIC 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: Report provided to employer without your written authorization

Complaint:
I received the below email from XXXX My name is XXXX XXXX and your file has been placed in my care so that you receive the World Class service you deserve. 

You ARE eligible for a streamline rate reduction There is no need to pay that high rate any longer. 

We're reaching out to our good paying customers, to let you know that we can rewrite your mortgage w/o the hassle or costs of a typical refinance. You ARE eligible and I'd love to share with you how it can impact you financially. It will only takes a few minutes of your time to go over your savings. This program expires onXX/XX/2018! 

Here are the details of this opportunity. 

WE CAN SHORTEN YOUR TERM AND / OR LOWER YOUR PAYMENT NO OUT OF POCKET COSTS NO APPRAISAL REQUIRED NO INCOME REQUIREMENTS NO HOME VALUE REQUIREMENTS NO CREDIT SCORE REQUIREMENTS RENTAL AND 2ND HOMES ARE ELIGIBLE PAST BANKRUPTCIES AND FORECLOSURES OVERLOOKED 10yr, 15yr,20yr,25yr and 30yr FIXED RATE LOANS AVAILABLE Feel free to email any questions or a good time to speak with you. 

I can be reached directly at XXXX Have a great day!! 

When I replied. Please send me more information. They pulled my credit report ( and my wife 's ) without authorization.

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 2021-03-04
Company: Navient Solutions, LLC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My students loans were paid in full & were never late. Navient continues to report my students loans incorrectly in the credit bureaus. They never reply to my letters neither to my attorneys. They dont have a phone number either. They dont care about anything. They are very difficult to communicate. I have to go this route as my last resource. The last time they were trying to communicate with me was to offer a program that cost 1000s of dollars. According to them IT was going to help me to complete my student loan forbearance etc. They were very upset because I didnt pay them thousands of dollars to enroll in their program in which none of these fees were to be applied into my loan. They just wanted the money to complete the forbearance which is a simple process anyone can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XX/XX/2021, I mailed a letter requesting an investigation for accounts on my credit report that were questionable. It's been almost two months and I still haven't received a response.

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 2020-05-12
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX I disputed a claim in the amount of {$1800.00} from Hunter Warfield and  asked them for documentation as to how it belonged to me - they removed the collection claim from my profile within 30 days and sent me an apology letter. They then added the same claim back to my credit profile in XXXX of XXXX which I disputed directly with the credit bureaus - this claim was removed again within 30 days. They have now for the 3rd time added a collection account to my XXXX profile in XXXX of XXXX which they know is illegal. 

Please handle this, I will also be looking into action I can take now due the repetitive harrassment. 

1 collection account Total balance : {$1800.00} HUNTER WARFIELD Original creditor : XXXX {$1800.00} Account Info Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04
Company: Square Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX XXXX, 2021 Text Message, XXXX XXXX Cash App : You spent {$1.00} at XXXX XXXX XXXX XXXX, 2021 Text Message, XXXX XXXX Cash App : You were refunded {$1.00} at XXXX XXXX Note : I do not know where the business XXXX XXXX is located and I have never been there. 

XX/XX/2021, at XXXX XXXX Cash App : You spent {$1.00} at XXXX. I did not spend this money and never have used XXXX. 

Listed Phone number all Cash App Text is XXXX XXXX XXXX XXXX XXXX. 

I checked my actual account and nothing was taken out. I did not click on the link that was texted to me ( XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: CarMax, Inc.
State: SC
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 dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Summary XXXX has applied a fee of {$300.00} to my account, improperly o The fee is improper because I was never notified or informed about the existence of this fee until after it was applied o To the best of my knowledge, I did not consent or otherwise agree to this fee when placing an order for services by XXXX Efforts to dispute the fee directly with XXXX did not resolve the situation Although I paid the bill for services I agreed to receive, I did not pay the outstanding balance pertaining to the disputed amount Despite my dispute efforts, XXXX sent the unpaid balance to collection and reported a negative credit report to all three national credit bureaus The negative credit item caused my credit score to drop by 145 points, and resulted in a denial of credit by a financial services company I furnished all of the information to the credit bureau, as evidence of an ongoing dispute. The bureau has not removed the negative information from the credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Experian Information Solutions Inc.
State: IL
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 attempted to contact Experian and provided the supporting documentation. 
Experian Explained that XXXX XXXX has claimed that the information on my credit report is accurate. 
However, it is not accurate, it is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

Below are the details : I had an administrative forbearance as well as a general forbearance granted for federal student loans. It was explained to me by XXXX XXXX that all of my accounts would be updated, to be appear as current. The dates covered areXX/XX/XXXX-XX/XX/XXXX. However, I still see late payments on my credit report. I reached out to Experian first and sent them the letter from XXXX XXXX stating the forbearance dates to be updated. They did not update my accounts although I disputed. Attached is the letter I sent to them along with the letter from XXXX XXXX By failing to update previously reported information, for XX/XX/XXXX and XX/XX/XXXX Experian is in violation of Section 623 ( a ) ( 2 )  of the FCRA. " This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to 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 2022-10-04
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been dealing with this problem for a Year. I've had XXXX companies that have had accounts opened in my name by my father. These companies are called Boeing Employee Credit Union XXXX XXXX XXXX There is also a Collections account open that was previously removed XXXX XXXX XXXX XXXX XXXX I need these accounts and collection removed as they were opened fraudulently in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 entered into a lease with XXXX XXXX after the appropriate process was completed at my local XXXX, XXXX, XXXX dealer. They informed me that I would not owe anything for the first month or two. The dealership, despite having my license, telephone # and address filled out correctly BY ME, supplied the 1. Wrong phone number to XXXX XXXX 2. The Wrong Address, and 3. Supplied them with NO EMAIL. I tried to log into XXXX XXXX after not receiving any correspondence fro leasor but was unable to do so as I did not even have my account number. I was notified of a credit change and immediately called XXXX XXXX and they NOTED it was their mistakes that led to this delinquent reporting as they verified NO correspondence was sent to me via email, phone, or mail. They told me I had to contact the credit bureau 's to rectify, which I did, but this still remains as an adverse event that was not of my fault. I am current on ALL payments with every institution I am involved with. This adverse event is unjustified as I had done my due diligence in filling out correct information MULTIPLE times at dealership.

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 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XX/XX/2021 I mailed a letter requesting proof of inaccurate accounts that were claimed to be verified by this company. It has been almost 2 months and I still haven't received a response. The fcra gives 15 days for the requested info to be provided to 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 2017-08-01
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 have contacted all 3 Credit Reporting Agencies via USPS on several occasions asking them to provide me with the " ORIGINAL '' signed documents sent to them by the original creditor/furnisher for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX # XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$8600.00} Under Federal law the Fair Credit Reporting Act ( FCRA ) requires the Credit Reporting Agencies ( CRA ) keep the " ORIGINAL '' signed documents submitted by credit reporting agencies/furnishers on file. Under Federal law FCRA Section # 609 also requires CRA to verify " ORIGINAL '' signed documents to validate the validity of the account before they report in to the consumers credit report. Section # 610 of the FCRA requires the CRA provide the consumer with the " ORIGINAL '' signed documents submitted by the credit  reporting agencies if it is requested in writing, within 30 days of the written request. I have been requesting the above mentioned documents since XXXX 2017 and have yet to receive ANYTHING from the Credit Reporting Agencies. I am once again asking XXXX to provide me with the " ORIGINAL '' signed documents submitted to them by XXXX XXXX XXXX in the amountof {$8600.00}. If the Credit Reporting Agencies can not provide me with the " ORIGINAL '' signed  documents I demand that they delete/remove this account from my credit report. If this account is not removed my credit report within the allowed 30 day period my next course of action will be to hire an attorney and file a law suit. Any attempt to collect this debt without validating it violates the Fair DebtCollection Practices Act ( FDCPA ). The law is very clear to the civil liability and the remedy available to me for the " negligent non-compliance '' ( Section # 617 ) if the Credit Reporting Agencies fail to  comply within the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 notice several months ago it was fraudlent activity on my credit reports please remove and investigate soon as possible and remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This involves XXXX XXXX from XXXX XXXX and XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. The proposed agreement was to refinance my property and provide an additional line of credit in the amount of XXXX XXXX XXXX, then after i produced the plans for construction, along with the total cost of the entire project for the building with condos on top of an existing structure, then we would move to funding the cost of construction of the condos which at that point i would be paying interest only while under construction.Then XXXX XXXX explained to me that after construction the loan it would be made permanent, however XXXX would take their money off the sale of the unites first to be made whole. 
However everything which was said i was in total agreement with he stated he would get back with us within a weeks time, so within that nexts weeks period he stated its approved and he would have a term sheet, so when XXXX XXXX and XXXX XXXX came to my office he stated what i should sell the condo for and also stated to me that i will have my term sheet and he would start getting the appraisal put out for bid, and he would return on tuesday because monday the banks are closed due to presidents day but very importantly he stated we would have the term sheet on tuesday.however on friday when he seen i was XXXX XXXX after he came to my office, He goggled me and said he read some articles in the paper regarding an civil matter which was XXXX XXXX XXXX on me and said i needed to provide documents about that to get the deal done.So let 's keep in mind that we were just approved and closed on a XXXX loan inXX/XX/XXXX, However my wife owns this company and she is a double minority, This to me is totally XXXX discriminatory practices in addition to redlining to name a few. when is it the banks protocol to XXXX someone for the basics of a loan.In addition there are no XXXX XXXX in XXXX Pa, Doing construction, for that matter or even being a business owner. why because XXXX pennsylvania doesn't help promote or assist XXXX XXXX with becoming or even assisting with developments of business in this region of the state, Their belief is all an XXXX XXXX can to is work 9 to 5 not for ones self.In my humble opinion its banking practices like this which XXXX, institutes and Believes in and practices are XXXX and in these times should not be tolerated period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CAPITAL ACCT is claiming that I owe them {$580.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
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: Information belongs to someone else

Complaint:
My rights are being violated and they are reporting inaccuracies on my credit report. According to the Fair Credit Reporting Act I have a right to dispute inaccuracies on my account. This is the third time I've asked them to remove the XXXX information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

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 2020-08-26
Company: Financial Credit Network 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:
On XX/XX/2020, FINANCIAL CREDIT NETWORK INC add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. I had requested FINANCIAL CREDIT NETWORK INC to validate the debt and there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, FINANCIAL CREDIT NETWORK INC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This current debt that is trying to be collected by midland credit is the result of A fraudulent charge that I reported to XXXX  XXXX XXXX  on XX/XX/2018. 

My credit card was stolen and used. I called into XXXX XXXX XXXX  and for some reason there wasn't a fraud department to dispute charges. They instructed me to write in to a specific address to dispute the charges in writing. I did so the next day. NO investigation was completed after that. In fact they continued to call me and threaten me to pay my balance that I did not charge to my card. Even one person had the audacity to call me cheap if I couldn't pay for the small XXXX XXXX XXXX wanted me to pay the balance that I didn't charge to my card. Attached is the letter I sent with no response from XXXX  XXXX XXXX. 

I have now have a negative charge on my credit report for these charges that I did not complete. These negative charges are keeping me form getting the current job that I am eligible for. This is a formal complaint to MIDLAND CREDIT and XXXX XXXX XXXX that I will take legal actions based on the XXXX law prohibiting me to accept a job based on a negative credit remark. Legal actions of incorrect reporting to all credit agencies that are simply false and for putative damages up to {$500000.00}.

Company response to consumer: Closed with non-monetary relief