BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-27
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I have a savings acct with TD bank since last year my average balance has been XXXXOn XX/XX/XXXX I went to the drive up part and withdrew {$480.00} from my savings accountOn XXXX XXXX th I received letter from XXXX stating my accounts were being leviedI have received three letters from TD saying I owe them the {$480.00} because they sent {$480.00} to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: QC HOLDINGS INC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a pay day loan from QC Financial Services for {$350.00} I was charged XXXX Annual Percentage Rate making the loan {$690.00} payable in 6 monthly payments of {$110.00}. I want an investigation into their practice of charging Usuary Interest Rates

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 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are some accounts listed on my credit that isn't mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Unauthorized XXXX Inquiries were made on my credit report on XX/XX/2023 and XX/XX/2023. I did not authorize them to make a hard inquiry. I tried calling each of the companies to dispute it and they could not provide me with any information. I tried calling the credit reporting agencies and they said I had to call the companies directly. 

Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-05-12
Company: Experian Information Solutions Inc.
State: VA
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 and account # XXXX 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 also states that 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 2022-05-12
Company: Credit Karma, LLC
State: OR
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:
Credit Karma sent an email stating that my " XXXX credit score went down. '' See attached. I logged in to my Credit KarmXXXX account and noted that my score had dropped approx XXXX points and Credit Karma wanted me to " make a payment before XX/XX/XXXX. '' See attached. I immediately contacted the retailer from which I made an online purchase on XX/XX/XXXX. The retailer, XXXX, authorized the purchase on my XXXX account that date. The retailer notified me the items were available for pickup at the local XXXX store in XXXX, Oregon, on XX/XX/XXXX. I picked up the purchase. The closing date of my XXXX account billing is the second day of the month. Previously had a XXXX balance. The current purchase of {$150.00} was billed this cycle. The payment IS NOT DUE UNTIL XX/XX/XXXX. That's right. XX/XX/XXXX. TODAY is only XX/XX/XXXX. That's right. XX/XX/XXXX. I pointed this out to the XXXX XXXX Department supervisor " XXXX '' ( ID No. XXXX ) who agreed the account was completely current and he agreed to look into how any negative information from XXXX may have been given to XXXX or XXXX 's " usual '' reporting agency, XXXX, to lower my score, as XXXX has NO adverse credit information on me including no late payments EVER - had this account since XXXX -- XXXX years. Could not contact Credit Karma, no phone or email given for contacting Credit Karma on its website. XXXX and Credit Karma are apparently is trying to fraudulently lure people into making credit card payments via the Credit Karma website with scaring people via a false claim that their " credit score has gone down '' WHEN THERE IS NO ADVERSE CREDIT INFORMATION WHATSOEVER. XXXX agreed to contact XXXX and XXXX and send me a letter confirming my credit is PERFECT and lowering my score ( from previous checking, it was lowered by approximately XXXX points ) without any reason to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: Caliber Home Loans, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The current holder of my mortgage, a hedge fund, bought the loan from XXXX in an auction two years ago, no doubt at a substantial discount ( although I ca n't find out what they paid ). The servicer, in moving to foreclose, was required to go through Mediation by Oregon Law. In this process we applied for a mortgage modification to allow us to stay in our home. First HAMP was denied ( see attached for reasons- they gave us no information about how they arrived at not being able to fit a modification into the XXXX-XXXX % DTI ). Then we were denied for an in-house modification for the reason that the LTV was less than 70 %. This calculation is only based on the original loan balance and a drive-by BPO ( of which there were XXXX that varied by XXXX % in their valuation ). The holder of the loan is unwilling to consider the back interest and tax/insurance escrow owed in the basis of their calculation. If they did, the LTV would be between XXXX- XXXX %, depending on which BPO was used, well within their " standards ''. Their method seems a logical fallacy. Either the additional debt owed to them should increase the base loan or reduce the value of the home, because the net result is they we have less equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act XXXX account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction Please remove 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 XXXXXXXX  XXXX In accordance with the Fair Credit reporting Act XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy 15 USC 1681 section 602 A states I have a right to privacy These addresses do not belong on my credit report Please delete all inaccurate personal information XXXX XXXX XXXX Former XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Former : XXXX XXXX Also Known As XXXX XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Idaho Housing And Finance Association
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested the mortgage forebearance protection afforded me under the CARES act from my servicer : homeloanserv XXXX XXXX XXXX XXXX XXXX ID XXXX. I was told by both XXXX and XXXX that under FHA guidelines I am only entitled to 90 days of forebearance and that I will have to call them every 30 days to maintain the program. They have both also told me I am not eligible for modification and will have to make a lump payment after the 90 days. Both of them insisted this was government guidance but offered no official documentation. XXXX claimed the cares act has been changed and we are now only entitled to 90 days. Their supervisor, XXXX, has yet to return my calls. The stated employees also asked me if I was sick. I'm not sure why I would have to disclose my protected information just for some relief. Please help stop these predatory practices. Homeloanserv is attempting to force me into an agreement I do not want in an attempt to have me default my mortgage and foreclose on my house.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a loan with OCWEN loan servicing, and it will be sold to a new company named XXXX XXXX XXXX on XXXX XXXX, 2016. I never got a fair review with OCWEN and I am attaching a more detailed letter for my complaint and supporting documents. OCWEN denied me for all modification options and switched my review to a short sale without my consent. The new company that will be taking over my loan work with short sales, so I believe OCWEN purposely denied me before selling my loan so the new company can finish the short sale. Its a win for both the companies but not for me, an investigation needs to be done, I believe I am not the only homeowner, and OCWEN was already sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions 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:
In accordance with the fair Credit Reporting act XXXX account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction Please remove these accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX In accordance with the Fair Credit reporting Act Experian, XXXX, XXXX has XXXX my XXXX protected consumer rights to privacy 15 USC 1681 section 602 A states I have a right to privacy These addresses do not belong on my credit report Please delete all inaccurate personal information XXXX XXXX XXXX Former XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX Former XXXX XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXX FL 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 non-monetary relief
Consumer complaint received 2021-11-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was the victim of an elaborate internet phishing scam. They gave me a check to deposit to the bank and I took it to the bank and asked the teller and manager to check to see if the check is official. The person who scammed me was posing as an XXXX employee. The tellers said everything was okay and deposited the check. When they asked me to send the money to a third party I realized it was a scam and told the bank that it was. They said they could not do anything until the check bounced and could not protect my account. I filed a police report and contacted XXXX directly about the fraud. They opened their own investigation. Now ; my account was overdraft almost XXXX when the check bounced and I planned on paying the money back once I could, but the bank closed my account. Ive contacted them multiple times about the fraud and theyve said they couldnt do anything and now Ive gotten a letter that my account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and the original creditor of an open ended credit plan, was denied my right of credit by Navy Federal. I was notified of this transgression of my rights specifically 15 usc 1601- The Truth in Lending Act, I as a natural person possessing an open ended credit plan was harmed by Navy Federal adverse action against me denying my rights, of which the Civil damages pursuant 15 usc 1640 ( a ) ( 2 ) ( A ) ( i ) are up to {$5000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 XXXX collection agency By law, 15 USC 1692g , Subsection 809 ( a ) ( 4 ), specifically states, " the debt collector will obtain verification of the debt ''. " enforcement of security interests '', as defined under 15 USC 1692a ( 6 ), requires documentation to show verification, and none has been provided. 

On XX/XX/2021, Aargon collection agency sent documentation of services, provided by XXXX XXXX XXXX to XXXX XXXX XXXX. Aargon collection agency claims its right to enforcement of security interest, does not require it to provide, documentation verifying a debt actually exists, between XXXX XXXX XXXX, and XXXX vXX/XX/XXXX 

By law, 15 USC 1692g, Subsection 809 ( a ) ( 4 ), specifically states, " the debt collector will obtain verification of the debt ''. " enforcement of security interests '', as defined under 15 USC 1692a ( 6 ), requires documentation to show verification, and none has been provided. 

Aargon collection agency should be obligated to follow the laws stated above, by providing verification of its entitlement to any security interest between XXXX XXXX XXXX, and XXXX XX/XX/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 2017-10-27
Company: Equitable Acceptance Corp
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I signed up with equitable acceptance on XX/XX/2016, when they called they said they were with the government and that they could help me get student loan debt relief. I was told I did n't qualify to have my student loan completely forgiven but I would only owent {$2000.00} from my $ 10,000+ student loan I would have to pay them $ XXXX month for their service. I agreed believing I would only owe {$2000.00} of my loan. It 's been a year I have paid them {$590.00} and I found out I still owe navient {$10000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion has violated my rights 15 USC 1681 s. 602, 15 USC 1681 s. 604A ( 2 ), and 15 USC 1666B I have the right to privacy, a consumer reporting agency can not furnish account without my written instructions, a creditor may not treat a payment on a credit card account under an open-end consumer credit i plans as late for any purpose.

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 2022-05-12
Company: TD BANK US HOLDING COMPANY
State: MA
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 Target and XXXX XXXX have violented my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I used online chat to connect with Navient about 1 month before my final loan payment was die. The total loan was slightly more than my auto pay amount so I wanted to pay off the remainder. I was told 1 month before that auto pay was cancelled. On XX/XX/XXXX, I called to pay the full amount of my loan. I was told on the phone call that auto pay was not cancelled, although I was not notified. They would cancel auto pay for me then. I was also told that by calling to have customer service take my final payment, there would be a {$14.00} handling fee. This is completely ridiculous since the Navient web site is not user friendly to pay off loans or increase auto pay amounts. They kindly waived the handling fee for being a valued customer. ( eye-roll ) They took a payment by credit card of the remainder of the loan and was told auto pay on XXXX was cancelled. On XXXX, I called Navient again to confirm auto pay was cancelled for XXXX and they confirmed it was. 
On XXXX, I logged into my bank account and found that the remaining total of the loan was withdrawn as well as my usual auto pay amount of {$170.00}. Two payments were taken out of my account. I called Navient right away and while they apologized for the situation, they could only send the {$170.00} by check within 7-10 business days. They would not connect me to a supervisor or manager. So I went on XXXX and XXXX to recount the events. I got a reply to both with in minutes! It was there that I also found out about the lawsuit. The reply I got was to contact XXXXXXXXXXXX. Interesting that a loan company uses " socialmedia '' as their email address. I got a reply to my email and phone call saying that I would be reimbursed directly to my bank account within 2-4 business days. XX/XX/XXXX will be day 4 and I have not been reimbursed yet. I am hoping for the best but am not too positive after reading other people 's complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
Also I have attached the letter I sent out and the tracking numbers are listed in the added evidence According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.Im not sure if the bureaus Transunion XXXX or XXXX have their own interpretation of the law but there are standard operating procedures used to verify information and it wasnt properly done because as you can see there are still many inconsistencies within my report see attached documents for highlighted items. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report Listed in the attached documentation lists violations and items that need to be deleted because they are reporting inaccurate across all three bureaus.

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 2022-05-12
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I asked the company AR Resources Inc. to validate a debt they were trying to collect and they sent me personal information that they should not have, They gave me a form showing the hospital name and location, services provided, the XXXX name, account number, as well as date of service and amount charged for service. I filed a complaint with U.S. Department for health and human services as well.

Company response to consumer: Closed with explanation