BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-11
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I am making a complaint against " XXXX XXXX XXXX d/b/a Mr Cooper ''. Starting XX/XX/2018, this mortgage company bought my loan from my previous mortgage company. During my length of mortgage with my previous loan servicer, I always paid through the telephone auto pay system without incurring any pay by phone charges, as I prefer this method, for security reasons, and do not wish to use the internet pay option. I have other bills like, electric, auto loan, cable provider, and others who do not charge any fee for using the telephone auto payment system. However, this new mortgage company XXXX XXXX XXXX d/b/a Mr Cooper charges a {$14.00} to {$19.00} fee to the customer which I find very troubling and possibly a breach of contract. They claim, they use a third party for the telephone pay service. I told them whether they use a third party or not, it is not the customers responsibility to pay any fees associated with using the pay by phone system should the customer elect to use this system. I wrote two letters to them requesting them to change their policy where customers should not be charged any fee for using the pay by phone system. I consider this corruption and extortion. The customer has a right to use the pay by phone free of charge. Furthermore, I told them, I did not request my mortgage to be bought/transferred. Since they bought my loan, then they are obligated to provide equal or better service as the previous loan servicer. Charging the customer the pay by phone service is definitely not better service. This company needs to be investigated for wrong doing and they should correct the pay by phone policy as mentioned above. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I review my credit report, I see that the same accounts were erroneous. XXXX and Equifax are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts listed below : XXXX XXXXXXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, 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 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 2023-05-16
Company: EQUIFAX, INC.
State: CA
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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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:
This is my fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-02-11
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I spoke to a customer service manager about a Rate Reduction Plan. After going over my financials she said that the loan would go up higher. Unfortunately, I can not afford the increase and when I asked to speak to a manager and I told her that if the loan was any higher I wouldn't be able to afford to buy groceries or gas and she said to me WELL YOU JUST GOING TO HAVE TO DO PROVISIONS WITH YOUR FOOD. Then I tell her unless I go to a women 's shelter I won't be able to afford any of that. Then I got upset and I said that unless I go to the street and start CHARGING for services she says WELL I CANT TELL YOU WHAT TO DO BUT YOU HAVE TO DO WHAT YOU HAVE TO DO.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: EQUIFAX, INC.
State: PA
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'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 and 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 non-monetary relief
Consumer complaint received 2023-03-21
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following bureaus placed unauthorized hard inquiries on my credit report violating code 15 US Code 1681b. 
Equifax - 2 hard inquiries XXXX - 8 hard inquiries XXXX - 17 hard inquiries XXXXXXXX XXXX of truth were mailed on XX/XX/2023 pending response to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX reporting as deceased, XXXX account # XXXX reporting as deceased, XXXX XXXX, XXXX 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 Section2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C 1681s-2 ( A ) ( 1 )

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 2022-12-05
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Mortgage account # XXXX, XXXX Account # XXXX, XXXX XXXX bank Account # XXXX, XXXX XXXX bank account # XXXX, XXXX card account # XXXX, XXXX XXXX reporting as deceased, XXXX  account # XXXX reporting as deceased, XXXX XXXX, XXXX XXXXXXXX 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 Section2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C 1681s-2 ( A ) ( 1 )

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 2021-08-28
Company: DISCOVER BANK
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021, XXXX charged my Discover credit card by {$41.00} automatically for subscription. I dont want this item so I returned it once I receive the item and expected a refund like usual. However, Discover failed to process the refund. The balance stayed on my discover account. I didnt receive any notice from Discover about this balance that I dont realize at all. I got the late payment reported to the credit bureaus by Discover. 

Once I found out my credit score drop dramatically I realized the amount and paid immediately. And I reached out XXXX they tried again and refunded me on XXXX. 

I tried to work with Discover to revert the miss payment report. But they refused. 

There are two reasons that I believe they should help to remove this record : 1. I received no notice of the amount from Discover 2. The delay of refund from XXXX  failed to process in Discover and I am not responsible for the balance Thank you for helping to investigating the issue! 

I am very appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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:
This is my NUMEROUS 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 XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX A XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon challenging XXXX XXXX XXXX - XXXX ; account XXXX, XXXX and Experian did not properly verify all reported information being accurate. But how is that possible if the Last reported is inaccurate, Date of Last Activity, Date Opened is inaccurate and Date of last payment is inaccurate. Are they not practicing Metro 2 Compliance? This is a clear FCRA violation and is grounds for deletion. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true Once again I am requesting the information you used to verify this account in writing. Ive asked for this information several times but XXXX has failed to provide any documentation. Once again please provide 1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and XXXX XXXX XXXX ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow XXXX XXXX XXXX - to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all inaccurate information. '' Also In accordance with the Fair Credit Reporting act 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 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 explanation
Consumer complaint received 2022-01-06
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Their support had ridiculous wait times ( 20+ min minimum ) and there is no way to close the account online. They opened an account in my name without my permission ( I had an account with BBVA ) and then charged me {$2.00} for sending me a paper statement ( no transactions ) even though I was never asked or prompted to opt in or out. I do not want to do business with PNC and I want my account closed immediately. I requested the closure days ago via their chat but have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
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: Their investigation did not fix an error on your report

Complaint:
Upon challenging XXXX XXXX XXXX - XXXX ; account XXXX, Transunion and XXXX did not properly verify all reported information being accurate. But how is that possible if the Last reported is inaccurate, Date of Last Activity, Date Opened is inaccurate and Date of last payment is inaccurate. Are they not practicing Metro 2 Compliance? This is a clear FCRA violation and is grounds for deletion. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true Once again I am requesting the information you used to verify this account in writing. Ive asked for this information several times but Transunion has failed to provide any documentation. Once again please provide 1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and XXXX XXXX XXXX ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow XXXX XXXX XXXX - to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all inaccurate information. '' Also In accordance with the Fair Credit Reporting act 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 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 2020-02-04
Company: Javitch, Block & Rathbone LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent them a letter to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. ( The Javitch Block main company is also in XXXX Ohio ) I called where Mr. XXXX works at. The operator told me that he doesn't work there anymore. I asked if there was any other person taking my account and she didn't say and hung up. ( I sent a letter on XXXX XXXX .I called on XXXX XXXX. To find if they got my letter. That is when I found out Mr. XXXX didn't work there anymore. ) I called on XXXX, XXXX and spoke with operator and gave her my case number XXXX. She looked that up and transferred me to a location, never said where I was being transferred too. Automated service  came on asked question. I tried answering questions. I wait on phone for 20 minutes. No One ever came on. So I hung up. Tried calling the number I received the other day. It was the same automated thing from before. 
All I want to do is solve this issue. It has been going since XXXX with 5 collection companies and the problem started with XXXX visa credit card. 
That is why I writing again on this company Javitch Block because you can go to reference # from this complaint XXXX also from CFPB on XXXX XXXX, XXXX. 
At least Mr. XXXX could told me that the company was from Javitch Block. 
I feel that I have been lied to and harrassed by these companies. No one cares about me at all. They just want to go by what XXXX has for the debt. 
I don't owe the amount they are saying and no one is listening to me. Customers have rights too. There isn't anything in the fair trade act that has been done yet with this issue. 
I feel that I haven't been treated right. I have had to get someone to monitor my phone calls so I won't have to harrassed 10 times a day. Anyone who calls can leave a message for me to call back. I just want to be treated fairly. 
Integrity is very important. 
I also have been advised by a lawyer. He told me to go to the CFPB and also send the letters. I did that and never heard from anyone.The letter I received from Javitch Block on XX/XX/XXXX and also finding out from XXXX said to call XXXX. 
The amount was {$8500.00}. 
I just want to know who has taken over the account after Mr. 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 2022-05-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX # 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 response to consumer: Closed with explanation