BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-30
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been a customer of XXXX since XX/XX/XXXX ( encouraged to open accounts due to a mortgage refinance solicitation that required " all '' accounts be moved to the bank as a condition of the loan ). XX/XX/XXXX, I noticed on the Bank web site that it was being acquired by Iberia Bank. However, I received very little in the way of substantive information about how the acquisition would affect my accounts or banking relationship. In fact, in advance of and since the acquisition, I have receive NO new terms or conditions relating to my accounts or services, such as my Bill Pay service. Only after the acquisition took place did I learn that I would no longer receive bills from third parties through my Bill Pay service ( after several bills were not delivered and payments were late ). To date, I am still trying to correct delivery issues with the billers due to difficulties with the prior bill delivery requests made by XXXX. I have not received debit cards for my accounts. Apparently my account terms have changed now requiring minimum balances and I am being charged service fees ; however, I did not receive advance notification of these changes to my accounts. I also was informed ( after the fact ) that the bank routing number and account numbers were changing and that I was responsible for notifying billers who drafted payments from my account. I have requested new checks for my account, but the Bank has never delivered them. I have reported all of these issues to the Bank on at least 5 occasions, by telephone and in person. On at least two of these occasions, I requested a return call from the private banker who opened the accounts initially. I never received a return call. I was told on at least two occasions by representatives from the Bank that the transition has been challenging, that other customers have complained, and that other customers did not receive communications about the transition. I also was promised that the service fees removed from my accounts would be replaced. They have not been. Finally, after my last call to the Bank expressly frustration about the Bank 's failure to correct any of the issues that I had complained about, I finally received a call from the private banker, who threatened to unilaterally close my account for " berating '' the bank employees ( in other words, complaining about legitimate service failures ) and thereby causing other business disruptions to my personal finances. Now, I have left two additional messages with the same private banker to address issues with my account and I have received no return call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ACCOUNTS INQUIRES XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX 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 XXXXXXXX ..... 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX ..... 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX / XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account have now been not only placed on my XXXX but has now been placed on my XXXX and Transunion not all accounts appear on all 3 bureaus but these accounts are all affecting my credit, life and making it very hard for me to survive Several accounts have tried disputing with the bureaus and no action is being taking at all I am being told that they have been receiving payments on some of these accounts and I have not made any payments on accounts that do not belong to me! I have only tried calling the creditors to dispute the items and no luck.

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 2015-10-18
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have a few concerns on my credit report, that 's not accurate! 
1. My names used are incorrect. ( my wallet was stolen or lost in XX/XX/XXXX & XX/XX/XXXX ) 2. Account terms and status are incorrect ( multiple school accounts with is only XXXX in good standing. ) 3. The creditor for my mortgage will not list my Debt on my credit report which would help my credit score. ( Never was late with payment in 15 years ) 4. Have an judgement on my credit report that been resolved. ( Still showing )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions 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:
ACCOUNTS INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account have now been not only placed on my XXXX but has now been placed on my Experian and XXXX not all accounts appear on all 3 bureaus but these accounts are all affecting my credit, life and making it very hard for me to survive Several accounts have tried disputing with the bureaus and no action is being taking at all I am being told that they have been receiving payments on some of these accounts and I have not made any payments on accounts that do not belong to me! I have only tried calling the creditors to dispute the items and no luck.

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 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Consumer Reporting act XXXX XXXX XXXX  allege 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 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 2022-02-27
Company: EQUIFAX, INC.
State: NC
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 Consumer Reporting act XXXX XXXX XXXX XXXX allege 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 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 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Consumer Reporting act XXXX XXXX XXXX XXXX allege 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 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 2020-10-01
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Freedom Mortgage Loan ( # XXXX ). I have given this office every opportunity to complete my home loan refinancing that I have yet been able to close on since I began this process back in XXXX of 2020. All due to XXXX 's lack of follow-thru, irresponsibility & incompetence. I have made every single attempt to keep the lines of communications open for XXXX to guide me thru this supposed swift, smooth & seamless refinance process ( as he claims ) to get this closed and completed in a timely manner. XXXX wasted no time initially, to re-run my credit and adjust my total loan amount ( which increased ) but as of this month of XXXX, my rate is still reflecting 4 % on both my loan account and my credit report. The proposed new rate offer is supposed to be 2.75 %. Since XXXX has not successfully been able to fulfill his end of the refinance offer, I requested to XXXX twice to cancel the whole application and return everything to where it was before he turned my whole loan upside down. I currently would only owe $ XXXX of $ XXXX on my original loan before this entire botch-up of a deal, at the hands of loan officer XXXX. XXXX stated that not only can he not cancel and return me back to my original loan but that he also could not remove the hard-injury that my credit got hit with. Since XXXX has shown no interest in getting this deal completed and thinks by going silent, all this will go away and I'm ok with being screwed out of over $ 9k. I have exhausted all avenues of a resolution to this, what should have been, a simple re-fi and close deal. I can only hope that someone there reads this an can assist me in getting this entire refi-loan withdrawn and return to my original loan agreement reflecting the correct loan balance. Loan Officer XXXX XXXX / NMLS # XXXX / Ph # XXXX / Alt Ph # XXXX. I have constantly followed-up with XXXX, to the point of having to chase him down with numerous emails, texts & phone calls in attempts to see an end to this disaster.

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 2016-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I received notice that their may be fraudulent activity on my card as there were several purchases in states across the country. XXXX, XXXX XXXX, a truck rental company and a jeweler. Some of those charges were reversed immediate, some not. During that investigation the fraud specialist and I noticed that there were also XXXX {$500.00} ATM withdraws at banks through-out my city of XXXX as well. 

Those ATMs were at the same bank, but not my bank ( BOA ). At that point, I was transferred to a claims specialist. The claims specialist took notice of those charges and provided a credit while investigation took place. 

After approximately 4 days it was determined that the fraud claim was refused. Upon calling, they said that it appeared that there was a card in hand during the withdraws. Obviously, I was not traveling across the city on multiple days to multiple ATMs taking out {$500.00} each time -- when there were also odd charges through-out the country. 

I called bank BOA and spoke with another claim specialist and she said that the fraudulent charges from different small businesses was not noted in the overall investigation of the ATM fraud claim. Disappointed in their " investigation '' I asked them to re-open claim due to the obvious gaps in the facts and previous acknowledgement of breach with the first specialist. 

At this point, I am very concerned that I will loose {$2000.00} because they have n't done their due diligence in recognizing the additional charges and their quick to reply refusal of the claim. Also, to send a letter denying the claim is awful customer service.

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 monetary relief
Consumer complaint received 2017-01-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a paid/resolved tax lien on my credit report. I contacted Equifax to have the information removed per the law that states paid liens should come off credit reports seven years after lien was filed. Was informed by the Equifax agent ( who barely spoke XXXX ), that Equifax adheres to their own internal policy on removal, not the Federal law. Was told lien would be removed seven years after it was PAID, not after it was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I sent XXXX an Affidavit of Truth, Bill of Particulars and Cease and Desist that was sent and delivered XXXX XXXX according to XXXX. XXXX defaulted on the Affidavit of Truth. 
XXXX has reported to consumer reporting agencies, without my consent, that I owe an alleged debt however that alleged debt is being reported in a positive balance. It is impossible to pay/owe on a positive balance, if it was an actual debt and is owed it should be shown in the negative. 
They are now reporting the account as closed, charged off as bad debt ( when again the debt was never mine to begin with ) and they are still reporting a fraudulent balance. This alleged debt is not an actual debt that I owe. Also if the account has been charged off it should not still reflect a balance due, the fact that it does is fraudulent. 
XXXX has still failed to balance out my account every month to rectify their bank error caused by their mismanagement of payment. XXXX has yet to produce an Insurance audit trail, a money audit trail in accordance with XXXX, or full disclosure in accordance with 15 USC 1681g and all other documentary evidence in accordance with 15 USC 44 which I demanded. XXXX was sent a Conditional Acceptance which was delivered and left with an individual of the company XX/XX/2021 which they have failed to respond to with in the given timeframe. 
As a result of these documents being sent to restore my financial reputation, XXXX not only reportedly raised the APR on the loan to an outrageous amount but now are reporting false and fraudulent information that comprises my financial reputation which is an attempt to discriminate against me pursuant to 15 USC 1691 ( a ) ( 3 ). 
I will state again pursuant to 12-1641, as XXXX has failed to resolve my concerns within sixty days this alleged debt must be discharged.

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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights.

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 2020-09-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY XXXX XXXX XXXX XXXX MY FATHER IS XXXX XXXX XXXX XXXX. HE STOLE MY IDENTITY NOW EXPERIAN REPORTING BANKURCTY CHAPTER XXXX I FILE POLICE REPORT FROM MY LOCAL POLICE DEPT SEND TO EXPERIAN NO ACTION UNDER FRCA LAW IM GOING PURSUE LEGAL ACTION WITH MY ATTORNEY.

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 2015-07-22
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My wife XXXX children and I live at this address for some XXXX years, all was ok until about XX/XX/XXXX when both my wife and mother got sick, mom dead my wife in ICU, XX/XX/XXXX I lost my job, I did let GMAC know all what was going on with us before this XX/XX/XXXX when they hope to give me a XXXX absence, we ask for a modification many times I am told no, ask for a hamp/mod the answer is that the lender said no, My and I are both working more than XXXX months now and we can pay a reasonable mortgage, even though the value is very much lower. The loan # XXXX ( Hard ship was Death, sick, and job Lost XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
i have already filed against my bank regarding mounting fees on a loan that was paid off XX/XX/XXXX. after an investigation by your company. thought you were supposed to fight for the little person not for the big corporations. the complaint filed before was that Bank of America dipping into our account to pay our county taxes. My husband spoke to one of your representitives. could not get her to understand what we were trying to tell her. tried to get her to understand that you guys have only heard their side of the story. pieces of the story are missing. their was not there. where we had made multiple calls to customer service to BOA and multiple trips to the brick and morter branches to speak to managers and anyone that would help us with this problem to no avail we could not get any resolution. we need someone to represent us and not the big companies. this is supposed to help us the Consumer. unless you listen to our side we will have no other alternative but to seek legal help. Please reach ougt tous so that we can resolve this. 
Thanks XXXX and XXXX XXXX XXXX or 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 2016-01-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
XXXX XXXX, XXXX To : Consumer Protection Agency From : XXXX XXXX XXXX XXXX : Navient formerly known as XXXX XXXX Account Number : XXXX My son, XXXX XXXX died on XXXX XXXX, XXXX. I was co-signer on his loans ( see attached - dated XXXX/XXXX/XXXX ). I sent the company paper work in which they had made a statement regarding the conditions under which the loans would be forgiven, XXXX of which was death ( see attached file-Navientfinal ). 
The company is now refusing to forgive the loans. 
In addition to dealing with the grief associated with the tragic death of my son, I have been repeatedly harassed by this company. Several weeks after my son died I sent them the death certificate and requested forgiveness of the loans. Instead of honoring their agreement they began to call me up to 13 times within 3 to 4 days and pressured me into making a payment. 
When I found the original letter ( see attached ) they sent to me regarding forgiving the loans they refused to do so. 
I would like relief in the form of having these loans forgiven, my account cleared, and to be left alone by this company. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: PRESTIGE FINANCIAL SERVICES INC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have emailed, called and text messaged Prestige to obtain information on how to voluntarily surrender the vehicle or remove the co-signer from the loan or refinance the loan. I am the primary lendee on the loan. The lack of response from the lender is going to negatively impact my credit more than if they were to respond.

Company response to consumer: Closed with explanation