BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-13
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A certified letter was sent to Louisiana Recovery to verify the debt which they claimed I owed. The post office stamped the date as XX/XX/2019, and I never received a letter back from them. The debt was never validated.

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 2020-05-28
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
At about XXXX on XX/XX/XXXX, I was trying to sign into my XXXX account and I was unable too, after several attempts being unsuccessful, it then dawned on me someone had gained access to my email and changed the password, I was able to successfully retrieve my email address and change the password, once I fully gained access to my email, I then recalled I had received a text message earlier in the day stating my phone number had been disassociated with my XXXX   tag, I never paid attention to the text message, I had assumed it was junk text, however, due to the incident with my email I immediately login to my bank account, and to my surprise, a total of {$6000.00} had been withdrawn from my account, a transaction not authorized by me, I also immediately contacted Suntrust bank, to make them aware my bank card linked to XXXX has been compromised and there are transactions in my account for a total of {$6000.00} not authorized by me, I was informed a case ( XXXX ) was being opened and a decision will be made in 10days. 

I called the bank on XX/XX/XXXX and was informed that the investigation was done and my funds will not be refunded because the investigator found inconsistencies, I asked what were the Inconsistencies? the customer service rep said she was not aware of what they were, I informed the rep I never spoke to anyone to give details of the event that occurred outside of when I called to report the fraud, and details were not taken from me, her response was, the investigator does not have to speak me, I asked how an investigation can be done without me ever speaking to the individual involved in the situation, I've banked with Suntrust for 13years and I'm beyond disappointed at the level of service I've received thus far I've attached proof of my email account details showing it was accessed from NY also proof showing that my recovery email address was also changed by the hacker and they login using an XXXX, i don't have an XXXX, finally a screen shot of all the funds removed from my account without my consent

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 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was directed to sign up for an account with them and I had no notice that I was being made to sign up for their credit monitoring service. Why would I want the people who already got my info hacked to manage securing my info? I was told I needed to sign up for an account to see their services. Once I finished signing up for a username/password I get a notice from my bank that they charged me {$26.00} for a service I already get for free from my credit union!!! This is at best shady, and at worst fraudulent. Considering I see they have already been sued for this XXXX in the past they need to refund my money. I will call them repeatedly until I get my money back.

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 2020-05-28
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Suntrust closed my acct with out advising the reason why. I am joint on mY daughters account and son But they dont access to my acct. when they closed my acct, they held my daughters funds and advised her to go to a branch. Nothing was resolved then today suntrust who must be Compromised advised via text that I deposited XXXX from my actual bank to there bank. But my account is closed. I didnt do that. XXXX told me to contact suntrust and make sure my email or number is removed from suntrust XXXX. I called and they say my suntrust XXXX is suspended. I want all of my information to be removed from there system they care compromised. Someone is using my info at there bank to try to deposit money. They are not helping me. XXXX my cell

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 2023-05-11
Company: Global Lending Services LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Credit report shows XXXX as a foreclosure instead of repossession. Also last account activity should be 2020. Report shows more recent than that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
When We My Wife and I Applied for a home loan & Credit card this was reported XXXX XXXX XXXX Plus XXXX XXXX XXXX 39 Serious Delinquency 18 Number of Account Delinquency 13 times since Delinquency is too recent or unknown 14 Length of time account have been established 20 length of time derogatory public record or cllection is too short This was reported from all 3 credit account on Notice to home loan applicant by attached plus XXXX  was written off XXXX not XXXX  & should have been removed SOURCE : XXXX XXXX XXXX XXXX XXXX  TRANUNION I witness these account myself on dispute sight Now the companies are deniding credt information that was posted and given

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 2020-05-28
Company: EQUIFAX, INC.
State: GA
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:
Dear : CFPB I would like for someone to investigate my account that's listed below as it not reported correctly on my Equifax report. I've sent out 5 letters over the past 7 months signed signature notified by letter. Fighting trying to get inaccurate information disputes off my credit report. I spoke to this Credit Bureau goes by the name XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  on multiple Occasions asking for them to validate proof of images and accurate information for me yet and still, they refused to show proof of the information I requested. The matter is regarded in an apartment complex Ive lived in 5 years ago. I stayed until the end of my lease term I was paying the market rate at the time. Still, yet dont understand why this on my report its stopping me from moving on with my life. The amount that claimed I owe is XXXX $ its been on my report since XXXX XXXX its been 4 years & 5 months here is the information, I found from the company IM ASKING FOR THIS TO BE DISPUTED FROM MY EQUIFAX CREDIT ACCOUNT. 

( XXXX XXXX XXXX  ) XXXX  XXXX  /XXXX   XXXX  CREDITOR THE AMOUNT thats claimed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.

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 2018-04-28
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: Public record information inaccurate

Complaint:
VIOLATION OF MY CONUMER RIGHTS .... 
TAX LIEN ON MY CREDIT REPORT ... .... PUBLIC RECORD I received a bill from XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX FOR XXXX XXXX FROM PERIODS OF XX/XX/15 - XX/XX/2015. TO SUMMARIZE THIS I WAS NO LONGER LIVING AT THIS LOCATION REQUESTED DISCONNECTION BEFORE MOVING AND SIGNED A NEW LEASE ON XX/XX/2015. THIS HAS REALLY HURT MY CREDIT AS WELL POSTED A NEGATIVE PUBLIC RECORD ON MY CONSUMER PROFILE. MY IDENTITY HAS BEEN SOLD TO A THIRD PARTY COLLECTION AGENCY TO WHOM I HAVE NEVER HAD A CONTRACT WITH AND DIDNT AUTHORIZED THEM TO HAVE MY PERSONAL INFORMATION OR TO REPORT ANY FALSE INACCURACIES AGAINST ME. AS A CONSUMER MY RIGHTS HAVE BEEN VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE ENCLOSED MY LEASE DATING BACK TO XX/XX/2015 WHICH PROVES THIS BILL IS NOT MINE. I AM BEING DENIED CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: ZWICKER & ASSOCIATES
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently discovered that a collection agent by the name of Zwicker & Associates is attempting to file a judgment against me in regards to a debt that is nearly 10 years old. Despite the fact that the statute of limitations to take such action has expired, I've still tried to contact this creditor to determine why and how they are taking such action without contacting me first. Well over a month ago, I wrote to the company and requested a detailed verification of debt to try to determine why their office was taking such action. However, my written request has gone completely ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
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 INQUIRES : XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
FRAUD on my Credit Card account with Capital One, XX/XX/XXXX and XXXX, XXXX for the amount of {$210.00}, XXXX and XXXX total XXXX dollars. Capital One notified me of unusual active within my account. They inform me that they would investigate on XX/XX/XXXX. A refund was credited back on my account in the amount of XXXX. On XX/XX/XXXX the amount was rebilled to my account for the same amount {$750.00}. On XX/XX/XXXX I received a letter from Capital One informing me of the following facts : We incorrectly applied XXXX to your account. We discovered this error, and will fix it and show it on your next monthly statement. That was the total amount of XXXX that took place in XXXX, {$1200.00}. The amount that is still showing is {$750.00}. On XX/XX/XXXX I called once again and they apologized. And again my account was re-credited and rebilled on the same day. On XX/XX/XXXX I placed another call and was told that they did not understand why the error keeps occurring. Capital One admitted that the corrections where not done properly and assured me that it would not happen again. I have attempted to correct this account since XXXX. Because of the fraud and Data Security Breach that took place within this company XXXX, XXXX, it has been problematic to obtain a pay off on this account. This has caused me to pay addition interest on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-23
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$1600.00} -This is not my account.

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 2021-11-28
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On the evening of XXXX XX/XX/2021 I tried to make a purchase from XXXX, a computer hardware parts company. The item was a NAS ( network attached storage ). After going thru a lengthy selection process, which compared : capabilities ; availability and price a item was selected and placed in the XXXX website cart, credit card and shipping information was entered and the deal was done, or so I thought. Checking my email, I saw a note from XXXX that my credit card was declined, and suggested I enter a different card, which I did. It was not clear if the second card was also declined, or if the information from the first card was persistent. I contacted the second card issuer first, XXXX XXXX, since I was sure there was no chance on being near the credit limit and was told ( from their fraud division ) that for my protection the charge was declined since I hadnt ordered from that company in the past. I then contacted the first card issuer, comenity bank and was first told that the purchase was approved by comenity bank, but rejected by XXXX, and that the decision was between XXXX and XXXX. XXXX gave me a number to XXXX, instead of connecting me to XXXX it transferred me back to XXXX bank who now ckaimed they actually declined the purchase based on their hunch. I was not able to make the purchase, and the effort to research the best product was lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX  and Transunion are incorrectly reporting me as an Authorized User on XXXX Card - partial account # XXXX ( please see page 4 of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2020-05-28
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third-party source such as XXXX  or XXXX  XXXX. But, obviously, the CRA 's do not care about following the law or even adhering to the law. The FCRA is clear about verifying with the furnisher, but the CRA has ignored my requests after 6 plus dispute letters concerning this inaccurate and inconsistent listing. If you are getting your information from the same furnisher - why is the information so wrong, inaccurate, and inconsistent? You did not get this information from the court - attached is a letter from the court proving you did not verify with the court. I will also file with the AG in my state amount this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Reaching out regarding our property at XXXX. We were contacted through mail to procure flood Insurance from Lakeview. We were out of town due to the Hurricane that impacted our home. Once we were home and received the letter we were 30 days out from the time we needed flood insurance. We procured flood insurance as fast as we possibly could and found that it takes 30 days to kick in since its a flood policy. This is standard for any flood policy. It is impossible for us to get coverage before the 45 days. 

My concern is the following - Our home is not in a flood zone. We had to pay {$1000.00} for a surveyor to come out and prove that it is not. They have proven this, now they have to go to FEMA to get the official XXXX. This is standard and take 90-120 days. Again impossible for us to provide in 45 days. Now I have to pay more right after paying {$8000.00} in repairs to our home from a hurricane. 
- I opened a flood policy for {$900.00} to simply appease the ridiculous request to get flood insurance. Now Lakeview ha
s told me that they purchased one that starts XX/XX/23 for {$3600.00}. The one we bought doesnt kick in until XXXX because of course this is standard and takes 30 days to kick in. 
- When I contact Lakeview to explain how ridiculous this situation is all they can say is there is nothing they can do because it is what the system does. 

In summary, this home does not need flood insurance it is not in a flood zone. I understand you have to follow a ridiculous law that is unfair to the homeowner and provide a LOMA which is what we are doing and we procured insurance in the meantime. I have paid enough! All I ask is for Lakeview to not pull an additional policy that goes in effect XX/XX/23 for me to pay as well. This is absolutely insane, and taking advantage of home owners who can not afford to willing throw XXXX out the window for absolutely nothing because again we are not in a flood zone.

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 2019-03-26
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owe XXXX dollars for lab work I had done a few months ago. Due to my current financial situation, I cant pay it right now. I am a XXXX XXXX XXXX XXXX and do not have excess income. I can pay for food, and living expenses ( living paycheck to paycheck ). The first time I answered the phone for this company he asked me for my credit card number before I could even process who the call was from. When I told him I am not comfortable giving out information over the phone he refused to send me a paper bill ( Its been over a month and I have still not received one ). I hung up because I was unsure if this was even a real collection agency. They have started calling every day, and sometimes several times per day, leaving long messages ( some over two minutes long ) of them breathing loudly into the phone. Im very close to changing my phone number because of this situation. If I had the financial ability to pay the bill, I would have by now. Its frustrating being harassed by this company, and the messages of them breathing into the phone make me very uncomfortable.

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