BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-30
Company: LAKEVIEW LOAN SERVICING, LLC
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX Lakeview Lan Servicing LLC ( subservicing by XXXX ) contacted us and stated we had not made our XX/XX/2021 mortgage payment. We submitted proof the payment was made electronically by our local bank, XXXX XXXX XXXX. XXXX later sent us a letter telling us it was their mistake. 

XXXX sent us an email around XX/XX/2021, stating they had not received the XX/XX/2021 payment. I called and spoke with XXXX and XXXX on XX/XX/2021, and told them our bank, XXXX XXXX XXXX, had electronically paid them on XX/XX/2021. So the XX/XX/2021 payment was made a day EARLY. I later confirmed that by contacting XXXX XXXX XXXX. 

Yesterday, ( Saturday XX/XX/2021 ) we received a letter from XXXX stating we had not made the XX/XX/2021, mortgage payment. They assessed a late fee of {$22.00} and stated we had not made the XX/XX/2021 payment. 

We have been paying XXXX the exact same way since the inception of the loan, ( about five years ) which is through a bill pay service with XXXX XXXX XXXX. The payments have been sent automatically since the inception of the loan. 

XXXX is claiming they have not received the payment for XX/XX/2021. I checked our XXXX XXXX XXXX account on line and the payment was debited from our account on XX/XX/2021. So it was paid early. 

Our account number with XXXX is : XXXX My phone number is : ( XXXX ) XXXX LoanCare phone number is : XXXX XXXX  address is : XXXX, XXXX XXXX XXXX, XXXX XXXX, VA 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 2019-08-27
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XX/XX/1979 XXXX : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation.

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

I expect to receive a response within 30 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: FL
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to 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 2021-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 was recently checking my credit report and saw inquiries I did not initiate. I was informed sometime ago about an XXXX data breach, but did not think anything would happen to me as a result. I now have inquiries reporting to my account that don't belong to me. The inquiries are from XXXX - XXXX XXXX XXXX XXXX  XX/XX/XXXX ; and for Transunion- XXXX XXXX XX/XX/XXXX ; XXXX- XXXX XXXX XXXX XX/XX/XXXX ; and XXXX - XXXX XXXX XX/XX/XXXX. I have contacted creditors and have also file an FTC report # 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 2015-11-18
Company: Harris & Harris, Ltd.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Harris and Harris collection agency has been repeatedly calling and leaving a voicemail to a XXXX Voice # I do n't give out, claiming I owe a debt. I asked to whom, and they claimed a XXXX XXXX. I then called XXXX County to see, they checked the city , county, mva, and court databases and I have NOTHING there. Harris and Harris wo n't send me anything via mail regarding the collection, unless I verify my address, which I wo n't because this seems like a scam. I will follow up with my lawyer if need be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/22 i have been charged {$1400.00} interest fee while I had a {$1500.00} to paid off by debt. 
XX/XX/22 another XXXX interest fee XX/XX/22 another XXXX interest fee I call the bank, an agent told me there was nothing that they can do. In the mean while they keep charging me.

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 2021-05-30
Company: Experian Information Solutions Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
I recently sent a dispute letter to TransUnion, XXXX, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I managed my account. But every so often I would see an NSF charge. 

And it increasingly continued. 

I worked out of town as a nurse and just paid it. 

I made decent money but I was curious as to why I was paying upwards of {$600.00} in NSF charges.

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 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent a dispute letter to the credit bureaus and haven't heard anything from them. I've given them ample time but did not inform me of their investigation results. I'd like to get this information to see why the bureaus are reporting a few things differently and failed to support such reporting. 
The accounts - XXXX XXXX XXXX XXXX XXXX Account Number : XXXX****, XXXX. XXXX Account Number : XXXX****, XXXX. XXXX Account XXXX : XXXX**** were reported on my credit report and send disputes but failed to respond and with no proof of responsibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Aargon Agency Inc XXXX XXXX XXXX XXXX XXXX XXXX, Nevada United States of America Out of nowhere, Aargon Agency put on my XXXX credit report that I was in collections for {$450.00}. I have never received any notification from Aargon. It seems like they are targeting people who have bad credit and just putting non-existing debt on them. See link http : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-12-14
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I signed up for Square Payroll services. 
{$100.00} was withdrawn on XX/XX/2022 from XXXX of my bank accounts and transferred to another XXXX of my checking accounts as a Payroll service. 
{$5.00} was charged on XX/XX/2022 for a service they did not allow me to use. 


On XX/XX/2022 the same {$100.00} was unexpectedly clawed back from my XXXX checking account without consent and without permission. It was not returned to my original bank account and no refunds have been issued. I have sent multiple emails to this company asking for my money back but they just have a bot respond without resolution simply telling me they have closed my account and the decision is final. They simply stole my {$100.00} and have not provided me anything in return. I did not authorize this company to dip into my checking account to take my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX XXXX Account # XXXX Bal : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions Inc.
State: CO
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:
Experian Credit Reporting company refused to " delete '' XXXX ( XXXX ) Hard Inquiries, both of which I've never applied for credit! Experian shows XXXX ( XXXX ) Hard Inquiry - XX/XX/XXXX from XXXX XXXX XXXX XXXX 
However, upon reviewing Experian 's website WITH HAVING TO PAY for a Premium Revolving charge Membership, I am looking at THEIR report on me and there's XXXX ( XXXX ) Hard Inquiries! The XXXX  is from XXXX XXXX XXXX in XXXX. I never have applied for credit with XXXX XXXX, either! I already called both Companies and they couldn't confirm or find any application for credit. Both directed me to Experian and XXXX  and XXXX XXXX. 
Today, after being told by a fraud department agent named XXXX, that they " Experian '' can not and will not remove the XXXX incorrect Hard Inquiries. Experian doesn't want my XXXX  Score to rise. XXXX hung up on me when I asked to have a supervisor contact me. The call ended at XXXX MST and my calls are automatically recorded & stored. I'm sure they recorded the call, too. Both Agents were incredibly rude, inept at facts, and evidently weren't trained in U.S. Credit Federal Law. 
My request ... I WANT XXXX INCORRECT HARD INQUIRIES DELETED/REMOVED! 
I ALSO WANT EXPERIAN TO CRITIQUE THEIR XXXX  PHONE AGENTS, PRIMARILY, XXXX. 
I can upload the actual phone call file if needed. I will attach the image screenshot of the XXXX Hard Inquiries that are on my Experian Credit Report. 
Moreover, I'm requesting AGAIN ( XXXX time ) for Experian Credit to ALSO DELETE/REMOVE the Indicator of " seeking credit '' from my report and as it factors into my Experian Credit Report and ALL FORMS OF MY XXXX  SCORES, including but not limited to, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, etc. 
Respectfully, 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 2023-01-22
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I would be overdrawn in one bank account transfer money from my other bank account to cover it and would still be charged a {$35.00} overdraft fee and when I would call the bank they would refuse to refund me

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 2020-07-29
Company: SYNCHRONY FINANCIAL
State: NJ
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:
There is a charge off on my report affecting my credit. It is under SYNCB/MC. I contacted the number listed and they told me they sold off the debt to a third party last year. However, they are still verifying the account as accurate with the credit bureaus. I was never contracted with The third party nor do I recall opening an account with the creditor. I tried to dispute with TransUnion who advised I contact XXXX XXXX. To my understanding, there is a law protecting me from this as I was never contracted with the third party they sold the debt to.

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 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Fl XXXX XXXX XX/XX/1979 XXXX : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 30 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.

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 2023-07-12
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
During the span of the time i was with Wells Fargo, i had multiple overdraft fees that were charged to my ACCT. my acct was low but i never went over my available amount, by the time Monday hit all the charges made were now negative and i was hit with these " SURPISE '' charges of {$25.00} every charge. Most of these charges were less than {$2.00} at the most. I work weekends and would make several charges and by Monday several hundred dollars a week would put me in the negative thus taking most of my check for the next week. I was with them roughly from XXXX to XXXX, i could be wrong on the years.

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 2021-01-26
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
There is unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. PORTFOLIO RECOV ASSOC Opened XX/XX/2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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:
This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts in my file listed below : XXXX XXXX & XXXX ( Original Creditor : XXXX XXXXXXXX XXXXXXXX ) XXXX Balance : {$3300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$830.00}, XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$990.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$830.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$990.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation