BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-21
Company: FIRST HORIZON BANK
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a checking account with First Horizon Bank. On XX/XX/2020, {$300.00} was fraudulently withdrawn from account using the debit card. I called, on XX/XX/XXXX, the bank 's customer service to report fraud. They identified the transaction as being fraud. The representative mentioned about receiving an internal email that this company was posting fraud transactions to multiple customer accounts. I was assured a credit would be posted to account. I checked On XX/XX/XXXX and the credit not posted. I called the bank again. The representative said an email was received on Wednesday that all credits should applied. I asked why the credit was not posted and was told they were in process. I asked to speak to a manager, but the representative refused to transfer to manager. After asking to have the call escalated for more information, the rep refused to transfer the call. I asked 3 additional times, then the rep took y phone number and mentioned a manager will call with in 24 hours. I have never received a call. I checked the account balance XX/XX/XXXX, and the credit for the fraudulent transaction still has not posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX has been contacted by mail on XXXX XXXX that they are incorrectly reporting the balance on the XXXX XXXX. In addition, they are failing to report payments made on the account. The information supports that the agreement to pay {$9100.00} would be accepted to settle the debt. They agreed to this amount on XX/XX/XXXX. The payments to date have been on XXXX XXXX for {$260.00}, XX/XX/XXXX for {$260.00}, XX/XX/XXXX for XXXX, and {$260.00} XX/XX/XXXX. 
XXXX is reporting the full balance as a charge off for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
The payments have been reflected on the full amount of the balance which was agreed to settle for $ XXXX payments of $ XXXX {$1000.00} which leaves a balance to be paid based on the agreement of {$8100.00}. 
XXXX reports the amount due of {$14000.00} which reflects payments to reduce the balance from the amount that XXXX arbitrarily decided to report on as I am following the rules of the settlement agreement with XXXX. When I discussed the matter with XXXX the agreement would state the balance due of {$9100.00} with the payments being made. The account would be reported as closed versus a derrogative against me each months for making the agreed upon payment. XXXX is making this decision to hurt me regardless of their agreement to settle the account. 
I am demanding the XXXX honor the agreement and report accurate and honest information to all the credit bureaus. The letters sent to me do not respond to the information attached to this complaint and can be viewed as incorrect on the XXXX credit 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 explanation
Consumer complaint received 2021-10-15
Company: Affirm Holdings, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Someone created an account under my name with Affirm, Ive contacted affirm on 2 different occasions and they take months to come back and say Im responsible for these accounts. They are 2 different accounts, theyre stating that I received products from them, Ive never made a payment, never heard of them until they showed up on my credit report. Ive made a police report, Ive filled out their disputed documents, theyve confirmed the card making payments was not mines but Im still responsible. Which I dont understand. I thought this was done, but I went to purchase a home and my lender contacted me and these particular accounts, again that dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, I would love for you to investigate this information that is incorrectly placed in my credit reports and is affecting me a lot. 


XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Please delete

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 2023-01-02
Company: Source Receivables Management LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: OH
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:
my personal information was compromised by the 3 credit bureaus and i have repeatedly asked them to not publish any information about me or that is not confirmed in writing to be my information without my written consent they have never provided any information or documentation that shows my signature or hand writing that says i gave them any permission to collect or report any information these 3 companies XXXX, equifax, XXXX are violationg my rights my privacy and they are clearly breaking laws they need to delete all accounts immediately without question ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OHIO XXXX ACCOUNTS : XXXX XXXX XXXX  - acct # XXXX XXXX XXXX XXXX - acct # XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX - acct # XXXX US DEPT OF ED/ XXXX -acct # XXXX XXXX XXXX XXXX- acct # XXXX, XXXX XXXX  XXXX - acct # XXXX , XXXX XXXX- acct # XXXX XXXX XXXX - acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Ive been trying to pay my mortgage payment of {$1900.00} for the last week but was unable to due to the portal not functioning properly. My due date is XX/XX/23 and today I was finally able to get in but keeps getting an error that says internal server not found. Then was able to finally login but every time I would go to pay it wouldnt allow to submit. I even re-added my bank info in case there was an error. Still couldnt process payment. Called and tried to speak to a representative phone number XXXX couldnt get through to anyone! Tried paying through automated system I am unclear if my bank payment of XXXX went through. I was given confirmation # XXXX but my bank hasnt withdrawn the amount, my portal doesnt have record of it and I did not receive an email confirmation like I normally do. I tried contacting them through the online form but same thing would not allow me to press submit. I do not want this to affect my credit or be charged over in error. 



My XXXX a Lakeview Mortgage Company

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 2020-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX IS FRAUDULENTLY REPORTING THAT MY ACCOUNT IS OPEN AND LATE. THIS ACCOUNT IS CLOSED AND WAS SETTLED OVER 4 YEARS AGO. HOW CAN I BE LATE MAKING A PAYMENT WHEN THE ACCOUNT IS CLOSED AND WHERE IS IT LEGAL TO REPORT TO TRANSUNION XXXX  AND XXXX  WHEN THE ACCOUNT IS CLOSED. THERE NOWAY I COULD BE LATE. XXXX  REPORTED XX/XX/2020 THAT IAM LATE ON A CLOSED ACCOUNT. THIS IS ILLEGAL

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 2023-12-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a formal complaint against Experian regarding the mishandling and inaccurate reporting of a XXXX XXXX Bankruptcy, reference # XXXX, and incorrect personal information on my credit report. Despite repeated attempts to rectify these errors, Experian has continuously failed to adhere to the legal obligations outlined in the Fair Credit Reporting Act ( FCRA ). On XX/XX/2023, I initiated a dispute with Experian via mail to address the XXXX XXXX Bankruptcy listed on my credit report. The bankruptcy data presented significant discrepancies and omissions, such as the absence of status, liability, exempt amount, and asset amount, prompting my request for its immediate removal. Simultaneously, I disputed personal information that did not match my identification documents, providing multiple forms of identification to assist Experian in accurately locating my file. However, on XX/XX/2023, Experian responded via email, dismissing my dispute under the pretext of an alleged unauthorized request, which, in turn, negated their responsibility to conduct an investigation within the XXXX period mandated by the FCRA. Subsequent attempts to dispute the inaccuracies through Experians online Document Upload Form on XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023, yielded inadequate investigation results consistently suggested updates to the disputed items, but without substantial alterations, leaving the inaccuracies intact. Furthermore, Experian 's claim of certification from XXXX, the third-party vendor responsible for verifying public record information, stands in stark contradiction to the responses I received from XXXX. In correspondences dated XX/XX/2023 and XX/XX/2023, XXXX stated their disputes filed with Experian remained unanswered, directly challenging Experian 's claims of investigation and certification of the disputed bankruptcy record.

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX showing on my report and In accordance with the fair credit reporting act this account has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1691 15 U.S.C 1681 SECTION 602A 15 U.S.C 1681 SECTION 604 A SECTION 2 15 U.S.C 1681 C ( A ) ( 5 ) 15 U.S.C 1681 S-2 ( A ) ( 1 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I have a loan at " XXXX ''. My due is today ( XX/XX/2023 ). I was trying to make a payment but it did not go through but the app is not saying exactly if they withdraw the money or not. Just got a message " something went wrong ''. I did try several attempts and now wondering if they have a queue how many times they are going to process the same request and where the money will go. I got to know from forums that parent company XXXX XXXX XXXX was cyber attacked and a lot of information was leaked. There is no official statement from the lakeviewloanservicing but web services are still behaving strange accepting payment and all information to be entered including routing numbers, account numbers, etc. The main concern is what to do now. If my information is stolen, and company hides it. At any point of time all money from my account can be stolen and no-one cares.

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 2021-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 was an authorized user on my then husbands BoA credit card. When we divorced in XXXX, in the divorce decree, he was given sole responsibility for that credit card account. He never removed me as an authorized user however, and even though I tried multiple times to call and be removed, because I was not the primary, they would not remove me. I could not get him to remove me, out of sheer laziness on his part. That cc account has since been paid off and closer, and archived by BoA. However, it continues to show up on XXXX credit Report with me as an authorized user, and bringing down my current credit score and preventing me from purchasing a home on my own. 
I was finally able to get my ex-husband to call BoA and ask to remove me, but the said account is as archived and no longer in their system so they couldnt do anything. I absolutely refuse to believe that by legal divorce decree I had no responsibility, but never had any power to remove myself, and now am stuck with it on my credit report, because my ex husband was lazy, and BoA refuses to step off their misogynistic and discriminatory banking practices and correct the situation by whatever means necessary.

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 2020-12-20
Company: Experian Information Solutions Inc.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit 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 explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On my XXXX XXXX Credit card, all three reporting Bureaus are reporting for the month of XXXX as " Over 30 Days ''. I have repeatedly disputed this information including my statement showing that the payment was made before being 30 days late. They refuse to perform an adequate " Re-Investigation '' on this false/inaccurate reporting or provide me with the steps they took during this investigation. 
I have attached yet another letter with my statement to ALL 3 major credit reporting agencies without any response with the exception of " Verified ''. Please see attached documentation and proof.

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 2021-10-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My BMO credit card was placed on a fraud alert, as tried to purchase an item from XXXX and then XXXX. I called them on XX/XX/2021 to state that the charges were indeed legitimate and their agent said he lifted the fraud alert. After trying to make several purchases later that week they were all declined. I called again twice again on XX/XX/2021 and it apparently my card was still on fraud alert ( as I had paid my balance in full, the current balance was {$23.00} ). I inquired and the agent stated they " would call me back in 2 minutes '' after I explained that there was no fraud taking place. The agent ( s ) never called me for resolution. On XXXX, I called to close my account and their agent did not comply.

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 2022-05-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In According with the Fair Credit Reporting Act, XXXX XXXX XXXX  XXXX Account # XXXX ( Original Creditor ) XXXX XXXX ) has violated my rights. 
15 U.S.C 1681 Section 602 A states I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instruction and permission. 

The following alleged account in my credit file and is listed as a collection with a PAST DUE balance of {$270.00}. REPORTING A PAST DUE BALANCE ON A COLLECTION ACCOUNT IS INACCURATE REPORTING ACCORDING TO FCRA. This account being reported does not belong to me. 

The account says opened XX/XX/2022. The account also states Past Due Amount {$270.00}. ( This is a collection account with a Past Due Balance.This is inaccurate reporting and are in violation with FCRA laws and guidelines. THIS ACCOUNT BEING REPORTED IN MY CREDIT FILE IS A VIOLATION OF REQUISITE METRO TO COMPLIANCE REPORTING STANDARDS. ACCORDING TO THE FAIR CREDIT REPORTING ACT, I HAVE THE RIGHT TO A FAIR AND ACCURATE CREDIT REPORT. THEREFORE ANY INFORMATION THAT IS NOT TRUE, ACCURATE AND VERIFIABLE IS REQUIRED TO BE REMOVED/DELETED. 



*Also please note that this account was previously deleted from my credit file and reinserted by a different collection agency.

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 2021-10-17
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently checked my credit and discovered that this account had been reported. I did not receive notification that I even owed this debt. My rights were violated and I was not information according to statue 15 USC 1692g 809 ( b ) which states : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CMRE collections is wrongfully reporting a collection on my credit for the amount I DON'T OWE. I requested validation of debt and who the original creditor was they have NOT provided any information on that and now threaten to take legal action for this debt which they say was originated in 2014? .... how is this legal CMRE FINANCIAL # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Capital One National Association submitting multiple soft inquiries called " Account Review Inquiry '' in a month for several months. I don't understand the valid business purpose behind so many inquiries in a month, albeit for a soft pull.

Company response to consumer: Closed with explanation