BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-11
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was named Personal Representative for my brother 's estate when he passed away in XXXX, 2019. In XXXX, 2019 - his condo was sold and Mr. Cooper provided mortgage pay-off letter. At closing, it was discovered we had overpaid during mortgage settlement. One overage check {$700.00} received and cashed in XXXX, 2019 ; however, additional checks were not received. 
XX/XX/2019 - Submitted complaint to the XXXX XXXX XXXX in Texas. 
XX/XX/2019 - Mr. Cooper advised that checks were issued on XX/XX/XXXX for {$310.00} and XX/XX/XXXX for {$71.00} but, despite my correspondence, checks were sent to my brother ( deceased XX/XX/2019 ) in card of his address ( which was sold XXXX, 2019 ) -- checks were never received, presume " lost in mail '' or simply returned to company as undeliverable. Their letter advised that these checks were stopped and reissued on XX/XX/2019. They were never received. 
XX/XX/2019 - Reopened complaint with XXXX XXXX XXXX ( Texas ) since 2nd set of checks were not received. 
XX/XX/2019 - Mr. Cooper replied that checks again had been sent to the wrong address -- these checks were stopped, reissued and mailed on XX/XX/2019. As of today, XX/XX/XXXX, no checks have been received. 
XX/XX/2019 - Reopened complaint with XXXX XXXX XXXX ( Texas ) and requested checks be reissued and sent to me, Certified Mail, at my new address. 
Amount remaining due is {$380.00} ( confirmed with their records ), four months after paying off mortgage on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Westlake Services, LLC
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 have several unauthorized fraudulent inquiries on my credit report. These inquiries were done fraudulently and without my authority. These inquiries are fraudulent and we're done without my authority.

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 2022-11-09
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: Investigation took more than 30 days

Complaint:
i I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 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 2022-02-11
Company: Idaho Housing And Finance Association
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I reached out to Homeloanserv for the Covid Forbearance and then around XXXX of XXXX my account was reviewed and elgible for the FHA Partial Claim/Modification program XXXX Well Homeloanserv sent my paperwork after XXXX XXXX weeks to a stranger with all my personal information it and a higher amount that was incorrect. I asked them to hold off because i was approved for a grant that bought my mortgage current and then spoke with supervisor XXXX that gave me an option to modify my loan. It took over 4 months to receive the modification agreement. During this time my property taxes was paid early XX/XX/XXXX. Homeloanserv did not do an escrow analysis or anything for me. They waited until XX/XX/XXXX to process my modification and posted late on my account. A payment for XX/XX/XXXX of {$1800.00} was sent to Homeloan on XX/XX/XXXX and they have it posted on my account with the wrond date XX/XX/XXXX. I have enough money in my escrows over {$9000.00} to cover my property taxes for rest of year including property taxes over {$1600.00} that was included into XXXX & XXXX XXXX payments. They have not sent me a surplus refund or even asked if i wanted it. Homeloanserv did not pay my property taxes to XXXX XXXX. They wont even provide me with proof of their payment which i requested already. I am double paying property taxes and my loan should be updated and overall monthly payments reduced with the prepaid taxes in the escrows. They wont return my calls, they are lacking in professional principle ethics and not communicating with me or granting any type of help. Just taking me in circles with stress and frustration which would leave me with inaccurate mortgage finance numbers on my account and push me to be late or possible foreclosure. I dont understand their unprofessional behavior. I need a resolution 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 2022-11-09
Company: Self Financial Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Hello, my name is XXXX XXXX On XX/XX/2022 self financial inc headquartered at XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX Locked my credit card.My credit card was paid and up to date and I have never missed any payments.Self financial sent me a email demanding that I send proof and verifymy wifes debit card I used to pay my self credit card account. 

I have sent everything the asked for from, copies of my wifes bank statments, to pictures of my wifes debit card, to a picture of my wifes social security card, a copy of our texas marriage certificate and even pictures of me and my wife holding our drivers license with our matching addresses.And ther name on her drivers license that matches the name on the card I use.Self has pourpusly and malicously refuse to accept any of my information to show without a showdow of a dought i leaglly and rightfully was allowed to you my wifes debit card. 

Texas is a communiy property state and under state law her account is mine and vise versa, and I have fully athority from my wife to use her account and she has the same authority with my.Self has intentionlly went out there way tp cause me and my family financial harm by cutting off my line of credit for no reason even after all information was provided to self .Im accusing SELF FINANCAL INC OF PREDITORY LENDING. 
under texas qualifications for preditory lending-Predatory lending is any lending practice that imposes unfair and abusive loan terms on borrowers, including high-interest rates, high fees, and terms that strip the borrower of equity. Predatory lenders often use aggressive sales tactics and deception to get borrowers to take out loans they can't afford. 

SELF ENGAGED IN PREDITORY LENDING BY-IMPOSING UNFOAR AND ABUSIVE LOAN TERMS.In the email sent to me XXXX second self demanded that I further provide the same documents even though the documents i provided on XXXX seperate accassion were legitamite, authintic, was from the list of acceptable documents self provided to me to send and they proved without a shodow of a dought that there was no errors.The deception came when self knowing knew these documents were legitamite and accure and still used abusive tactics anyways with there man goal of closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-06-02
Company: American Credit Acceptance, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
CFPB Write up n accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
Subject : Dispute of Unauthorized Inquiries on Credit ReportI am writing to dispute the unauthorized inquiries that appear on my credit report, as I recently received a copy of my credit report from your agency. I have identified several inquiries that I did not authorize, and I request that you remove them promptly. The details of these inquiries are as follows : 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 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 I have thoroughly reviewed my records, and I do not recall authorizing any of these lenders to perform a hard inquiry on my credit report. As per the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that you conduct a thorough investigation into these items and remove them from my credit report if they can not be verified by the respective creditors.

I kindly request that you complete this reinvestigation within 30 days of receiving this letter, as mandated by 15 U.S.C. Sec. 1681i ( a ). It is crucial that my credit report accurately reflects my creditworthiness and financial history, and the presence of these unauthorized inquiries undermines the integrity of the report.

Thank you for your attention to this matter. I appreciate your prompt assistance in resolving this dispute. Should you require any additional information or documentation from me to conduct the investigation, please inform me promptly. I can be reached at the contact details provided above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On 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 U.S.C 1681. 
XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$920.00} All of the above accounts have violated my rights 15 U.S.C 1681 section 602 A. It states I have the right to privacy.

15 U.S.C 604 section A Section 2 states a consumer reporting agency can not furnish an 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, which antedates the report by more than seven years.

15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall now 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 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 2022-11-09
Company: MOHELA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Below is an exchange with the company via XXXX XXXX. Following XXXX XXXX I sent a certified letter explaining my situation and asking them to reach out to me. I received a letter dated XX/XX/2022 welcoming me to the company, listing basic information and FAQs about the company, and my loan information. I was on the verge of having my loan forgiven prior to this company taking over my loan and prior to XXXX XXXX  announcement and I am concerned that I will need to begin making payments again even though my loan should be XXXX at this point. HOURS waiting for a customer service agent is inexcusable. I do not know anyone who has the time to wait that long to speak with someone. 

Via XXXX XXXX : XX/XX/2022, XXXX AM Me- I HAVE BEEN LISTENING TO RECORDINGS FOR XXXX MINUTES!! How do I speak to a live person about my my account?! I tried to create an account online but it said I have already registered. When I clicked the forgot username and password, it said that info in not on file. Also, my account was transferred from XXXX  XXXX and you have not reached out to me yet. 

XX/XX/2022, XXXXXXXX XXXX  MOHELA - XXXX XXXX You will need to speak with us about account specifics as we can't discuss account details here via XXXX Thanks for your patience Me - Can you tell me how to reach someone I can speak with? 

MOHELA - After the recordings are done, your call is then placed in a queue and you will be transfered to the next available representative. It can take hours due to the heightened interest in loan forgiveness Me - Hours is not acceptable. If you were not prepared to handle the influx of calls, you should not have taken my loan. 

MOHELA - We are prepared, however, with the recent announcements about loan forgiveness, now all borrowers are asking and calling. This has created the large wait times.

Me - Also my problem is with the website its self - I have never registered an account but when I try, it tells me I have but then when I try to retrieve the info it says I havent. Fix this IT issue and I wont need customer service. 

XX/XX/2022, XXXX PM MOHELA -Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: GA
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:
I am a natural person and have rights under 15 USC 1681. As a living human being, I would like to file a formal complaint against the consumer reporting agencies for violating my rights and the Fair Credit Reporting Act. The following accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and I demand that they be deleted immediately. I did not provide permission for the consumer reporting agencies to furnish these accounts. 

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 The consumer reporting agencies are governed by 15 USC 1681 and have violated my rights on several occasions. I have the right to privacy under 15 U.S.C 1681 section 602 A. Additionally, Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section prohibits any consumer reporting agency from making a consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that 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.

I have identified multiple billing errors under 15 U.S. Code 1666 ( b ) billing error that the consumer reporting agencies have failed to address. These errors include the creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor, as well as a computation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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 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 these accounts have 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On Wednesday XX/XX/XXXX midland called someone who is not in my immediate family. Said they had them listed as a contact number for me. No where have I ever put this person on any form or correspondence of any kind. They then proceeded to ask if he was my husband, which he is not. And then talked to them about being debt collectors. Because this person was not an immediate family member of mine, I now have a very negative relationship with them because of this. In no way should that person have been contacted, especially when I have received ZERO phone calls myself on a number Ive had for over 17 years. And especially that person should not have said they were calling from a debt collector. That is personal information that is now public. The person that was contacted looking for me, has been frustrated enough that our relationship that was once very good, is now bordering on non existent. And this is a person that is very close to my family and I have no choice but to keep them in my life for the sake of my family. Shame on them!!

Company response to consumer: Closed with non-monetary relief