BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-22
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2015-12-14
Company: Empowerment Ventures, LLC
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
XXXX has been taken out my account without my permission when I call my card I had heard the balance was {$1.00} I called the company so that they can follow dispute they have yes I put my money back on my card they keep hanging up the phone on me and refused to send me a dispute form the account have went on frozen and the issue has been resolved as of yet I want my money I work hard for my funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-01
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I revoked my ACH option for the loan. The loan was forwarded to a third party collections company who made an attempt to represent a check to my back it was returned. I contacted the company on XX/XX/XXXX to let them know that they do not have permissions to present any checks to my bank. On, XX/XX/XXXX another check was presented and then I contacted the company they were hostile and were not appearing to offer a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Integrity First Financial Group
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX of XXXX I made an application with Integrity First Financial Group for a non-credit qualifying FHA Streamline Refinance of my primary residence. On XXXX XXXX, XXXX I received an email that was sent unsecured and unencrypted from the lender with all of associated loan documents that included non public personal information such as my Social Security number and birthdate in a pdf format attachment. 
Upon receipt of the unsecured email I contacted the loan originator that took my application and advised of the breach of security and the potential compromise of my personal data as a result of the unsecured email that was sent. On XXXX XXXX I received yet another unsecured from the lender that also contained my personal non-public information. I placed a second complaint to the lender of the potential compromise of my personal information. I eventually withdrew my application as result of excessive fees the lender was charging. 
Skip ahead to XXXX XXXX, XXXX : As a customary practice for at least the last 16 years I prepared my income tax returns utilizing XXXX software. I filed my taxes electronically on XXXX XXXX of XXXX. Upon filing my XXXX XXXX 's I discovered that the electronic tax returns were rejected by the IRS for the following reason : XXXX Taxpayer TIN in the Return Header must not be the same as s TIN of a previously accepted electronic return for the return type and tax period indicated in the tax return. I contacted the IRS to get details on why my tax returns were being rejected, this is when I found out that my tax returns were fraudulently filed by a third party. In meeting with the IRS it was determined that the possible source of the data breach was a direct result of my non public personal information sent via an unsecured and unencrypted email

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: ZIONS BANCORPORATION
State: UT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I made payment arrangements with Zions bank to make payments on a repossessed vehicle. I then found out that Zions bank filed a XXXX to the IRS- Cancellation of debt, making the entire amount of the loan I was currently making payments on taxable as income. 
I tried multiple times to ask Zions bank to send an amended XXXX to the IRS and they refused and then ignored my request. I stopped making payments to Zions. 
Why should I make payments on a debt that Zions bank has claimed to the IRS as being forgiven and is now counted as my income. PLUS they refused to amend the XXXX? 
They have continued to try to collect and still have refused to file an amended XXXX ( cancelation of debt ) and have even garnished my wages. I now owe the IRS for the entire amount of the loan as income and the bank as unpaid debt. 
I am now forced to file bankruptcy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 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
Consumer complaint received 2016-07-22
Company: PHH Mortgage Services Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Was given a closing date of XXXX XXXX, 2016. XXXX XXXX came and we were notified that closing that day would be impossible due to underwriting issues. This was fine, after we were notified we talked to our loan processing rep XXXX XXXX. She told us that worst case scenario the closing would be by XX/XX/XXXX. After been given this information my husband and I took a week of vacation for the week of XXXX XXXX. On XXXX XXXX the last business day before our closing we were notified that closing would again be pushed back. At this point we contacted XXXX 's Supervisor XXXX XXXX, he assured us that worse case scenario the loan would be complete and we would be able to close on XXXX XXXX. Well it is now XXXX XXXX and at about XXXX we were contacted by our loan specialist XXXX letting us know that now we are looking at closing on XXXX XXXX. This is ridiculous. Not only has my family been living out of packed boxes since XXXX XXXX but my husband and I both used a week of vacation to make sure we would be off to move. Not only have we wasted a week of our vacation but we are constantly be strung along with these false expectations of closing dates that come and go and we are n't notified until the business day before that the actual closing date will be pushed back again. We are due out of the current place we are renting XXXX XXXX, if this closing gets pushed back even further I will owe for another month of rent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted XXXX concerning inquiries on my credit report that are inaccurate. 
The inquiries were placed by companies that indicated that my social security number would be used as identification and not to access my credit report and not considered in the approval of my credit application for XXXX XXXX XXXX XXXX is my business XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX- This is inquiry was to prequalify for a loan for XXXX XXXX XXXX and once I saw the request for my social security number i called and was told that it would not be used to acces my personal credit report but used as proof for identification purposes. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX- This is inquiry was to prequalify for a loan for XXXX XXXX XXXX and once I saw the request for my social security number i called and was told that it would not be used to acces my personal credit report but used as proof for identification purposes. 

XXXX  - Card Service XX/XX/XXXX XX/XX/XXXX- This is inquiry was to prequalify for a loan for XXXX XXXX XXXX and once I saw the request for my social security number i called and was told that it would not be used to acces my personal credit report but used as proof for identification purposes Experian Business Cred XX/XX/XXXX XX/XX/XXXX- This is inquiry was to prequalify for a loan for XXXX XXXX XXXX and once I saw the request for my social security number i called and was told that it would not be used to acces my personal credit report but used as proof for identification purposes

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 2022-07-27
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, XXXX  Account : XXXX XXXX XXXX  XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 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 2016-04-19
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo now says I am being transferred to another servicer. They are unable to help me and I have not got the money to pay all the amounts they added to my loan when I did n't get a modification because they kept not helping me figure it out. Attached is the letter I got yesterday and I do n't know what to do since Wells Fargo keeps telling CFPB they are working on it. They have never helped me and now I ca n't even think straight because I have not XXXX. I am wanting help and no body can help me. I ca n't take much more of this confusion.

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 2015-09-01
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We closed our HELOC loan with paid in full disbursement to Wells Fargo on XXXX XXXX, 2014. However, we were charged with XXXX interest payments in XXXX 2014. Wells Fargo received the first interest payment @ {$230.00} on XXXX/XXXX/2014 ; and then, Wells Fargo received the XXXX interest payment @ {$270.00} on XXXX/XXXX/2014. We believe the dollar amount of {$500.00} for interest in XXXX month was an overcharge on our HELOC loan. Also, Wells Fargo charged us {$40.00} for the county recording of our reconveyance. However, the county fee for this service is {$14.00}. We believe we were overcharged for this fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: PHH Mortgage Services Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PHH Mortgage ( XXXX ) calls every month beginning from the XXXX of the month until the mortgage is paid before the XXXX of each month.My mortgage payment is current, but the calls are incessant from XXXX until after XXXX. 

I want these calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX. I have been trying to hard to provide for myself. I am a hard worker, single and with a low income from ssi. I was a XXXX  at XXXX XXXX XXXX and am XXXX to start classes again this fall. I get frequent emails from them. Last few have been about local jobs in XXXX. I applied to one of them with XXXX XXXX. I was told that I was going to be working from home. And I was sent copies of checks by email. I did find it suspicious but XXXX XXXX told me that XXXX XXXX was a good company and that they had an office in XXXX. So I went on to deposit the checks to my online banking app with TD Bank like I was instructed. I also had to reach out to XXXX XXXX and paid them for the materials I needed to work from home. I was told to pay using XXXX and XXXX. Again I was worried but since I was told everything was fine I went on with it and also I was thinking maybe is because they are working from home due to the pandemic. And I had checked that there was a website for XXXX so I did the transactions. Now my accounts are frozen with TD Bank. And my phone was hacked. I even had a cd account because I am thinking of my future and those of my immediate family. I am so passionate about securing a future for myself if I need money for the future that because I could I invested in writing a book and getting it published. Future sales would mean future money just case things go wrong. Now I find myself not being able to pay my bills and the people from TD Bank are playing games with me, I've been on the phone so many times, to branches, and all for nothing. I just don't know what to do anymore. I don't want to be homeless or have my services shut off. I need help. I even provided a police report and copy of an email to the TD Bank on XXXX XXXX in XXXX, Massachusetts. They were nice. However when I had an appointment at the TD Bank on XXXX XXXX in XXXX, I was mistreated. Drove there for nothing and a person said they had made an error in giving me an appointment and she was correcting the error. All this from the other side of the door. No courtesy at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-31
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have called XXXX over and over again, I have never had an account with XXXX in my life. I will not pay for something that is not mines. So they sent it to Diversified consultants and I have disputed this with them also. Funny thing is they took it off every credit report but XXXX. Like I told them send me something with my signature on it to prove that it was me then we can go from there. Nobody has provided me with anything. the spelling on the bill is XXXX which is not my name. So if I went into an office then they would have my right name and the spelling correct.I am not paying someone else bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-17
Company: PHH Mortgage Services Corporation
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was recently purchased by PHH. I was on a bi-weekly payment plan with my previous mortgage provider and was told in no uncertain terms by my broker that the terms of my mortgage can not change with its sale. PHH does not support a bi-weekly amortization schedule, and I 'm furious. In order to purchase my mortgage, they have to support this do they not?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Lakeside Recovery Solutions
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been receiving phone calls and voice mails from lakeside recovery solutions from a phone number +XXXX ( XXXX  ) XXXX-XXXX  and other numbers. In the voicemails they are leaving threatening messages that i will be sued, that they will try to take my vehicle. They leave messages that if i dont cal back that day they will file a judgement and sue me. I have received no written notices of a debt. They have also been leaving voicemails on my mothers phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo XXXX XXXX XXXX XXXX XXXX , XXXX CA XXXX XXXX XXXX XXXX and XXXX XXXX XXXX They keep requesting an offer that meets their minimum net value, but they will not tell us what that is, and they are refusing to provide a copy of the XXXX. 

In addition, Wells Fargo has not done an interior value. No one has been to the property to actually look at it. Is this why they are refusing to provide a copy of the XXXX? 

We have seen these XXXX issues on ALL of our short sales on MINORITIES with Wells Fargo. They will NOT do an interior value, and they will NOT provide a copy of the XXXX. We would be happy to provide information on this to the CFPB to add to their case against Wells Fargo. 

We are tired of hearing from Wells Fargo that their legal department does not have to comply with federal and state law. Their legal department said its ok to open XXXX XXXX fake accounts ... and look where that got them.

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 2017-07-26
Company: United Student Aid (USA) Funds
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: Account status incorrect

Complaint:
USA Funds accounts were student loans that were taken over by XXXX. I am in good standing with all XXXX accounts, but the USA Funds are showing active and past due.
USA Funds account numbers 1-XXXX 2-XXXX 3-XXXX 4-XXXX 5-XXXX XXXX account number XXXX-XXXX  XXXX-XXXX XXXX-XXXX XXXX-XXXX XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have a credit card from Citibank for 11 years now ; in XX/XX/XXXX I requested a credit line increase and when I did they switched me to paperless billing, so I did not receive a statement XX/XX/XXXX. 
By the time I realize it the payment was late and Citibank charge me a {$35.00} dollar fee and raise my interest rate from 11.99 % to 29.99 %! 
I then contacted Citibank and they reduced the rate back down ; however, even if I was at fault it 's incredulous for them to raise your interest rate for minor violation, but the reason I 'm taking the time to file this complaint is the egregious tripling of the interest rate ; even if I were a poor performing customer with a low credit score, it should be illegal for them to TRIPLE anyone 's interest rate.

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 2017-10-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX is AGAIN running a credit report without my authorization or applying for a credit or a job! The newest inquiry was on XXXX/XXXX/XXXX with XXXX and XXXX/XXXX/XXXX with equifax. XXXX had refused to stop and was actually class action sued about this activity in XXXX! XXXX  removed the information after being contacted. Equifax has STILL failed to remove the fraudulent inquiries and XXXX just made ANOTHER INQUIRY AS DETAILED ABOVE! Equifax also breached my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have submitted an offer back in XXXX 2016. The loan servicer ( bayview ) said they need to do a land and interior appraisal before they can review the offer for a decision. This process has been delayed and ongoing for over 7 months. We feel the loan servicer has mid handled this file and is probably out of compliance with their review time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Preferred Collection and Management, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S.C 1681 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1692 C. Communication continuous phone calls/ voice mails all hours during the days and nights.

Company response to consumer: Closed with explanation