BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-28
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Lakeview Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is the servicer of my loan. They are impossible to reach. I've tried online numerous times and system won't let me log in. I've called ( & today find their system is down ), gone through their telephone prompting but am never given the opportunity to speak to a real person. They showed they took XXXX  out of my escrow account to pay my insurance weeks ago. But my insurance was due on XX/XX/23. I've contacted my insurance company to see if they received the payment and they have not. Today Lakeview 's automated system tells me they issued a payment to my insurance company on XX/XX/23 ( 2 days after the due date ). This means my insurance company started cancellation proceedings. Last year Lakeview tried to pay the wrong insurance company ( one which I never had an insurance policy ). It took a long while to get this corrected. Today I paid my policy so it wouldn't be cancelled. I want Lakeview to transfer my loan servicing to a reputable loan servicer or allow me to drop the reserve account ( at no cost to me ). I was in the mortgage business for 35 years and have dealt with numerous loan servicers both professionally and personally. Lakeview is the absolute WORST!!!

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 2019-08-07
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
For 3 years a collection account appeared on my credit report erroneously. I disputed with Equifax on several occasions by XXXX Mail, online and by phone. None of those disputes corrected the error on my report. Last month I once again sent an online dispute to Equifax and they responded by email whereas I was to log in answering many credit related questions which I answered correctly. The website then indicated it was processing the response for my viewing. An error message appeared which indicated their online system could not show the results and I must call their XXXX number to talk with a person. After talking with 2 persons during a period of more than 45 minutes. Most of that time being put on hold, I was once more told I must send a letter to them that they will not answer my question by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX my credit report was accessed fraudulently and a hard enquiry was made by XXXX XXXX XXXX. They accessed my Equifax report without my consent whatsoever. I disputed this enquiry on my report on same day as soon as I get the notification but Equifax competed the investigation within few hours without going into the details of my complaint and wasn't able to remove it from my report. Hence I would like to request you to kindly help me remove this fraudulent hard enquiry from my report which reduced my credit score as well. I hope you will help me. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I appreciate you making the effort to delete and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : # XXXX, Account name : # XXXX, Account name : # 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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan 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 non-monetary relief
Consumer complaint received 2021-01-17
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:
I disputed accounts that are reporting on my credit file by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the item was deleted from my credit report. However, the items listed below were reinserted without notice : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Now I have discovered that the items has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I demand that you immediately delete the negative items from my credit report in order to avoid legal action. You have denied me of a fair dispute and you are in violation of my consumer rights. I am submitting this complaint separately to the Attorney Generals Office and the XXXX. Please act accordingly in this serious matter.

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 2023-03-01
Company: Experian Information Solutions Inc.
State: TX
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00}

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 2021-01-17
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I call Experian about wrong information on my credit report about an address that I do not have any connection or ever had applied or living. The address are related to XXXX XXXX, NY ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX Experian share the information that its related to a Credit Institution? I never had did applied for any to related living in New or doing business in connection with New York. 


Experian also report that my present address its connected to an " Membership Organization, XXXX XXXX XXXX, XXXX RI XXXX. I really do not have idea what Organization is this, nd, I never had report or share concern this. Experian does not clear this after had contact on phone.

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 2023-11-29
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My PayPal account has been suddenly permanently limited without any valid reason and the funds inmy account have been put on hold for 180 days. 
I tried to get help from PayPal 's customer serviceteam but they said that they won't be able to help me regarding account restoration.I have been usingthe account for some time now and always work in good faith and follow all the policies and useragreements as stated and agreed upon while I signed up for the account. 

I have taken every step tominimize the risks associated with my account however PayPal still permanently limited my accountstating there's potential risk associated with it. 
I would request any information as to why PayPal feltthey had to limit the account. There is no reason to permanently close my account as I believe I haven'tdone anything wrong that led to its closure.Therefore, I would request PayPal to please re-investigatethe issue and help to resolve it. I am willing to provide any information needed for the investigationand to help restore the account back. I am willing to work with PayPal collaboratively to minimize theperceived risk. I would request you to please help me to get my account reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: CAVALRY INVESTMENTS, LLC
State: NY
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: Problem with personal statement of dispute

Complaint:
This company is falsely trying to collect a debt that is not mine. 
Bi law they have 30 to inform me before they take negative actions against me I am showing a court document which is public record that I was sent XXXX XXXX XXXX XXXX on XX/XX/XXXX. So all those paper your showing going to a XXXX XXXX fraud. I was sitting in XXXX  since XX/XX/XXXX. And I didnt owe no debt then. I have requested numerous of time for proof what they mail me is two pieces of papers with my name an amount and a XXXX XXXX address .. this company is falsely causing pain and suffering.. I have tried to tell them nimberous of times I have been in XXXX so show me proof and if there was any proof they would have taken civil actions agains me since I was in a XXXX XXXX and could not move. I am a XXXX veteran and these two fraudelent reports are causing me extra hardship that is unlawful and violates the fair report credit act they have no proof of perchisas they didnt timely report me 30 days prior to taking actions agains and lastly they didnt file a civil order before the statue of limitations please remove these negative remarks before I file charges of fraud and before I file a lawsuit against you for messing with my live and causing me suffering

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I came into some money from a sale of property I received two checks in the mail on XXXX I want and opened a checking account on XXXX the banker XXXX XXXX from SunTrust informed me that I can cash the XXXX and put XXXX in my pocket and he would deposited the remaining amount with the deposit of the XXXX would be a total of XXXX and said the money would be on my account in the morning so I waited a couple of days and I wanted a car and looked around then I found one do on the XXXX I bought a car gave them XXXX cash and wrote a check for the remainder which was XXXX to total the XXXX the next thing I know my account was closed nobody knows nothing I would receive my money back in the mail now it's XXXX and still nothing haven't herd nothing.

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 2023-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/, I transferred {$3000.00} and {$1500.00} from my XXXX XXXX unemployment debit card issued out by Bank of America to my personal account, but unfortunately my bank rejected the money and they return the money back to my Bank of America debit card, so Bank of America blocked access to my debit card so I was able to reopened it after talking to Bank of America. So after the debit card was reopened, I checked my balance on my debit card and the {$3000.00} and {$1500.00} was not in my card. I contact my bank and they told me the money was returned back to my Bank of America debit card. I kept calling Bank of America to return my money bank since XXXXXXXX XXXX XXXX moment and they keep saying there's nothing they can do about it. I need your help regarding this as Bank of America is making life difficult for me and I need the money to pay bills and buy food at home.

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 2023-11-29
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2023 I deposited XXXX in my account and after I deposited the check my account was placed on hold.. I reach out to Truist Bank and tried to fix the problem and the bank place a 10 day hold to make sure funds would be available. My fund became available XX/XX/2023 and they put another hold on my funds and will not give me a date to get my funds.

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 2022-09-07
Company: Experian Information Solutions Inc.
State: GA
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:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; EXPERIAN XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2022-09-07
Company: CL Holdings LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Its things that are on my credit report that have the dates open and the dates last reported wrong and or different on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: LA
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:
This account ( XXXX XXXX XXXX XXXX ) first reported to my credit report on XX/XX/. It has been 7 years since this account reported. As the FCRA states that accounts 7 years or older musut be removed from your reports. I will fill a complaint with the CFPB as well. This account by law needs to be removed. Experian has not removed this information as well.

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 2021-01-16
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 

XXXX XXXX XXXX XXXX  ( XXXX ) XXXX Collection XXXX XXXX XXXX XXXX Collection account. {$7800.00} past due as of XX/XX/2020. 
( 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 2022-09-06
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Bread Financial Holdings, Inc.
State: MS
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Yes I was shocked when I called a company I had gotten a card from the be of the bank is comenity capital which is a part of big lots stores credit cards. I was asking them about my interest rates on a purchase and the agent said when I purchased a soda drink even though it was ( XXXX and some cents they charged me a XXXX interest rates on that XXXX item purchased for XXXX ) so I told him that's cheating and thief charging a ( XXXX interest rate when I just purchase a XXXX drink and he said that's how they do it and I told him that's a crime and fraud ) and after the criminal conversation I told him I can not have a card cheating and committing such criminal acts and fraud ) so I told him to close the account. Afterwards they send me a letter because I closed the account stating since I closed the account they will charge me a extra XXXX and some cents higher interest rates. And I contacted thier higher offices and told them I had to close the account because nobody told me if I purchase a soda or any other snacks at such a low price I will be charged ( XXXX and some cents charge for a XXXX or XXXX purchase then a XXXX and some cents interest rates on every purchase!!! That thief and fraud and robbing me and other card holders but the XXXX I'm the head offices still added a ( XXXX and interest rate after I told them what on XXXX XXXX and our loving father XXXX earth are they doing! Anyone would close such a fraudlet card. Tricking me and others into such a fraud and thief deals. They took the interest higher even though they are doing the stealing robbing cheating and fraud. Which Is a federal offence. Even though I was mislead about how they did interest rates. This is illegal and a crime and refused to lower it. Be blessed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
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: Personal information incorrect

Complaint:
XXXX XXXX  XXXX  XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection XXXX  XXXX XXXX XXXX Collection account. {$7800.00} past due as of XX/XX/2020. 
( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation