BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/22 I received an email alert from my bank that funds had been withdrawn from my checking account by Lakeview Loan Servicing LLCin the amount of XXXX XXXXresulting in a negative balance. However, documentation I received earlier from this company ( dated XX/XX/22 ) stated that my 1st mortgage payment would not be due until XXXXhaven recently ended forbearance under the CARES Act and utilizing a FHA COVID-19 Partial Claim. 

When I contacted LakeviewXXXX  regarding this discrepancy, the summation of responses from 3 different agents, ranging from customer service to escalation team members was : 1 ) Bank-drafting automatically restarted once my Partial Claim made my mortgage current 2 ) The best they could do to resolve their mistake is reimburse me with a paper check and mail it to me, which would take XXXX business days. 

With the1st payment due date being documented and set as XX/XX/22, it was wrong for those funds to be withdrawn before that. Lakeviews suggested resolution to mail a check with such delay is inappropriate because of their culpability ; while their error currently prevents me from paying bills, as my bank account is now far in the negative! 

Lakeview Loan Servicing LLC ( and XXXX ) erroneously but conveniently withdrew money out of my account ; they, like millions of other persons and businesses, demonstrate the capability to instantly transfer funds. To be told that they could not do this to rectify such a grievous mistake is an insult and bad business. Lakeview also has once overnighted documents via FedEx for me to sign and return to them, showing that they also have the capability to move swiftly when they want ; even when it involves using the postal service. Lakeview Loan Servicing LLC should rectify the mistake they caused by quickly reimbursing me via money transfer or overnighting a check and also covering the fees incurred from bills that could not be paid because of their debacle.

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 2023-02-27
Company: Experian Information Solutions 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 proves that These persons have violated my rights. 

XXXX XXXX XXXX XXXX account number XXXX amount of {$3900.00} closed XXXX XXXX XXXX 

XXXX XXXX  account number XXXX amount of {$980.00} XXXX XXXX XXXX XXXX account number XXXX amount {$2100.00} are all in violation and do not have my written permission nor the right to furnish inaccuracies on my consumer report. 

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 agency can not furnish an account without my written instructions.

U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. These laws protect me from being abused by the consumer reporting company which have assumed this responsibility of furnishing my consumer report and and it has to be 100 percent accurate. 

15 U.S.C 1681 ( a ) ( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers This is the laws set in place by Congress to protect 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 explanation
Consumer complaint received 2022-09-15
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: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a vehicule loan i was informed by the dealer that my credit would be shared with one credit company Unfortunately I never verified my credit score to realize that my credit was ran multiple time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Netspend Corporation
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
A week ago, a company asked me for a survey on Netspend. I answered said survey and the next day, a transaction from New York for a XXXX at XXXX. was done using my bank card. I find that to be quite amusing, Don't you? Now, in the survey I spoke about Overdraft Protection. This is a service that is offered by Netspend at a fee of {$20.00}. Well, I used it to the best of my ability, every chance I needed. AND I PAID THE FEE. Well, Netspend turned my overdraft off from XXXX til XXXX, 2023. What's intriguing is other banks, like XXXX offer it at no fee and {$200.00} limit. So I found other means to suffice in other institutions since Netspend changes the rules as they go along and the fact that they offer a fee for a service and then get mad personally when it's used. In excess or not, the fee is paid everytime I use it. No guidelines state excessive use is punishable. I notified Netspend by calling and speaking to a rep advising the unauthorized charge. I received an email asking for a letter sent to them to advise of the unauthorized charge. The games people play with people and there monies isn't a game I would want to play. It's not funny to use my information and take monies from my account over a survey. If you don't want people talking about your business, then do better with people 's monies especially if you're bonded, insured, or trusted with currency. I'm looking for a better banking experience because Netspend has some really serious personal issues with my account, no matter how bad my banking may have been. Netspend could have asked me to close my account which will happen soon, but don't play games with my money.

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 2021-03-15
Company: EQUIFAX, INC.
State: GU
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent in letters regarding inaccurate reporting false items on my credit report and I have not receive any respond yet. I feel like I'm being ignored of my disputes. This deceptive practices by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My flood insurance carrier sent two invoices to United Wholesale Mortgage, UWM did not pay those invoices and my policy lapsed. As a result I've been told I have to reapply for flood insurance and my premium has doubled.

My insurance payments and taxes are escrowed and my flood insurance carrier is listed as a payee on my escrow account. The account also clearly states that the the policy was set to expire on XX/XX/2023. They received two separate invoices from my insurance carrier, the first on XX/XX/2023, and another one on XX/XX/2023. They also received a notice of cancellation on XX/XX/XXXX but they failed to send the payment within the required timeframe. Instead, they chose to send me a letter advising me that they would force place insurance on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX provide me a letter for XXXX, Transunion and XXXX  to update my credit scores and credit reporting agencies hasn't updated my credit scores and balance. 
As my utilization ratio is under 30 % in which my credit scores will be increase once credit reporting agencies update my credit and scores. 

I am going through a VA Loan process and I need my credit scores updated immediately so I can get a lower interest rate. 
Why is XXXX, Transunion and XXXX not updating my credit report and scores.? 
Also for XXXX XXXX Loan # XXXX late payments is incorrect as evidence of my XXXX checking account ending # XXXX evidence states that XXXX, XX/XX/2019 auto loan was called in by phone on each month of the XXXX to XXXX XXXX Rep and they took the payments on time. 
Also, XXXX XXXX XXXX loan account # XXXX is on XXXX and not on Transunion and XXXX.It needs to be added to Transunion and XXXX immediately. 

I am XXXX, XXXX and a XXXX XXXX XXXX Military Veteran. 
Please support me on my XXXX XXXX XXXX XXXX under Department of Justice. 
Very Urgent Matters! 
Does XXXX, XXXX and Transunion have a business partnership with 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 2023-08-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX, CA XXXX Portfolio Recovery Associates , LLC, XXXX XXXX XXXX, XXXX, VA XXXX. 
XXXX XXXX  Address : XXXX XXXX XXXX, XXXX, FL XXXX There are XXXX companies that are supposed to be holding the account, this is a confusing tactic as A consumer can never get to the bottom of the account and get the correct information I have been trying for several years to get this removed. I dont know if someone opened this in my name or was it another card from when my identity was stolen. This is not my account I have never used XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the Company Names and Account numbers listed below has violated my rights. 

account number XXXX XXXX XXXX XXXX {$820.00} XXXX XXXXXXXX {$2100.00} XXXX XXXX XXXXXXXX {$930.00} XXXX XXXX XXXXXXXX {$840.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A. 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 an account without my written instructions Also, listed below are two accounts ( * ) that were ( inaccurately ) listed twice on my credit report. 

[ 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2023-08-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX i received a text message from phone number XXXX ( XXXX ) XXXX who I thought was from USAA. XXXX stated USAA : your access has been XXXX due to unauthorised use. Kindly, visit https : XXXX and verify your information to restore access. I clicked on this link and verified my access. On XX/XX/XXXX, my card was declined for an {$5.00} purchase. I logged in on my mobile app and saw my accounts were emptied and there were XXXX transactions from my account to an external bank, that does not belong to me. Amount were {$3700.00}, {$910.00}, and {$810.00}. I called USAA the same evening on XX/XX/XXXX to report this. I also filed a police report with the XXXX Police Department ( case number XXXX XXXX XXXX ). XX/XX/XXXX, USAA stated that I liable for the charges because I verified this account. However, I did NOT add any external account on my profile. I requested for this to be reviewed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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, EXPERIAN has violated my rights by having XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my reports. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 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 explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
These items do not belong to me nor did I complete any of these transactions : XXXX XXXX Account # : XXXX XXXX XXXX XXXX | Account # : XXXX XXXX XXXX XXXX | Account # : XXXX XXXX XXXX  | Account # : XXXX XXXX XXXX | Account # : XXXX XXXX XXXX | Account # : 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 2023-02-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX 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 a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-12-04
Company: EQUIFAX, 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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS.

XXXX XXXX XXXX- XXXX   XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Sent letter To you CFPB Case # XXXX Please check it, Portfolio recovery I sent letters 4 times disputing this as not mine to all 3 CRA and to portfolio Recovery enclose the letter from XXXX  XXXX stating not my account and bought it back from portfolio recovery the 3CRA investigated 4 times claiming portfolio recovery verfied account even tho they all received that letter for them to state they had no idea is false portfolio recovery CFPB case # XXXX states this. In my email reply to you CFPB MOnday XX/XX/XXXX XXXX pm Are 2 pdf response to this claim I am making now PDF XXXX XXXX you closed my case so I file another My rights are being violated and I feel there should be fines imposed for this 6 month fight i have been going through as a consumer they have damaged my credit embarressed me and my family I even wrecked my car thinking about this dispute the emomtional efects its had on me I want this removed NOW they have did enought damage .I have shown they were stalling and playing games

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: Aargon Agency, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was hurt at work and had to go to the emergency room on XX/XX/XXXX. I was told they would not take my insurance information because it was a work related incident. My employer spoke with the hospital in person and I was told everything was taken care of and not to worry about the finances by hospital personnel and my employer. I was never made aware that I would ever be financially responsible for the bill. I did not even know I owed money until collection calls began coming in. I spoke to the Aargon representative and told them my situation and they refused to help me and just demaded payment immediately. XXXX refused to remove the debt from my name after speaking with their billing department. On XX/XX/XXXX my employer began making payments directly XXXX, still XXXX refused to take the debt out of my name, but I was assured on the phone it would be removed from collections. Months later I was still receiving mail from the debt collector Aargon Agency showing my balance decreasing, but XXXX assured me several times over the phone that my bill was no longer in collections. As of XX/XX/XXXX the bill has been fully paid off by my employer but I still show a collection on my credit report from Aargon 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 explanation
Consumer complaint received 2023-07-30
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts or inquiries below has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A 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 a account without my written instructions 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation