BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-24
Company: LAKEVIEW LOAN SERVICING, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our mortgage Fall if XXXX. Our mortgage was purchased by Lakeview Loan Servicing.  I made out first payment using their online system. Then I set up automatic payments beginning XX/XX/XXXX and then repeating kn the XXXX each month. I set this up using my checking account. I recieved a letter from Lakeview confirming that the payments would be automatically deducted from my account. I noticed on XXXX that the money had not been deducted from my account. I thought maybe this was due to XXXX XXXX XXXX XXXX. I emailed them on XX/XX/XXXX hoping to resolve the situation. On XX/XX/XXXX my husband called and spoke with 2 customer service reps. He was told that I had set up the account with our saving account, which is not true. He them requested to make a payment and was told to make the payment over the phone it would cost us an additional {$15.00}. We have also been charged a {$30.00} late fee. We requested that this be waived since my saving account was never on the auto draft account and I have money on my account to pay them. They are very shady and dishonest in their fees and I question the legality of these fees to pay over the phone. Also, I felt pressured to sign up for autodraft because if I didn't I would have to pay a {$5.00} fee every time I make a payment.

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 2023-06-17
Company: Experian Information Solutions 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:
This complaint is filed against all XXXX credit bureaus of XXXX, XXXX, and XXXX for reporting incorrect information and incomplete information on my credit reports on said account of first premeir under account number XXXX that shows a high balance of XXXX. Account has been disputed with all XXXX bureaus and was verified as corrector accurate.A copy of the consumers smart credit 3 bureau credit report is included so the account can be side by side by side so all errors and discrepancies can be verified. The said errors are : XXXX. XXXX reports no late XXXX, XXXX, or 90 days late. XXXX reports XXXX 30 days XXXX 60 days late and XXXX 90 days late. Then XXXX reports XXXX 30 days late, XXXX 60 days late XXXX 90 days late. No way was the consumer XXXX 90 days late. All differ and can't be clarified as correct and verified. XXXX. XXXX and XXXX report highest balance as XXXX. XXXX reports XXXX as highest balance. All can't be correct. XXXX. All three report different dates of last activity. XXXX shows XXXX as XXXX. XXXX reports XXXX as XXXX. XXXX shows XXXX as XXXX. All are different and all can't be correct. XXXX. Both XXXX and XXXX show date of last payment as XXXX. XXXX shows date of last payment as XXXX. All don't match. XXXX. Both XXXX and XXXX show credit limit as XXXX. XXXX shows credit limit as XXXX. XXXX. Date last verified is missing on both XXXX and XXXX reports. XXXX. Date closed is missing on both XXXX and XXXX reports. XXXX. XXXX report under dispute status says account not disputed. Contrary on same report under XXXX 's Remarks it says account disputed. Both can't be correct. XXXX. XXXX report under XXXX 's Remarks says account is disputed. No dispute exist or pending and been concluded. Once dispute is over, XXXX is to immediately delete any codes or remarks for dispute. XXXX failed to delete dispute remarks/codes from account. XXXX. XXXX reports account not disputed under Dispute status. Contrary on same report under XXXX 's Remarks it says account disputed. Both differ and can't be correct. XXXX. XXXX  report says account disputed. No dispute is pending and has been concluded. Once dispute is over, XXXX was obligated to remove all dispute remarks or codes from account which was neglected to be done. XXXX. XXXX report shows account disputed under Dispute status and under XXXX 's Remarks. No dispute exist or is pending and has been concluded. Once dispute is over XXXX was obligated to remove all remarks or codes pertaining to dispute and failed to do so. All errors should result in deletion of this 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 2023-10-24
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have a savings account with XXXX XXXX. I attempted to initiate a wire transfer from my account to pay a dealership for a vehicle on XX/XX/XXXX. The wire was canceled on XX/XX/XXXX due to fraud concerns despite the fact that I had verified my identity multiple times and called several times asking why the wire wasnt moving forward. I was told the fraud concern stemmed from my changing phone numbers on XX/XX/XXXX. XXXX XXXX has refused to provide a way for me to refute the fraud concerns and I am unable to wire money from my account for the foreseeable future. The only way I can access the money in my account is them sending a paper check to me or ACH transfer. Neither on helps me pay the dealership in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Account # : 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 In accordance with the FairCredit Reporting act. The list of the account above has violated my consumer rights privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A, States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 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 crime 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 be that the information is in accurate.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 non-monetary relief
Consumer complaint received 2023-06-17
Company: Experian Information Solutions 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:
This complaint is filed against XXXX, Espirian, and XXXX for reporting incorrect/wrong information and incomplete information on my credit reports relating to the said account of XXXX XXXX under account number XXXX that all show a high balance of XXXX. This account was disputed with all three bureaus and all three bureaus verified the account as accurate and correct. Said errors are : XXXX. XXXX s report reports this account as open.This is a closed account and in collections. XXXX. XXXX report also shows this account as open. This account is closed and in collections. XXXX. Both Espirian and XXXX reports are missing date account opened. XXXX. Both Espirian and XXXX reports are missing date last verified. XXXX. XXXX reports date of last activity as XXXX. Espirian reports date of last activity as XXXX. XXXX reports date of last activity as XXXX. All three differ and all can't be verified as correct. XXXX. Both XXXX and Espirian are missing date of last payment. XXXX. XXXX report under dispute status shows account not disputed. Contrary on same report under Creditor 's Remarks, it shows account disputed by consumer. Both can't be correct. XXXX. XXXX report under Creditor 's Remarks says account disputed by consumer. Said account was disputed and verified. Once dispute is done, the credit bureau is obligated to delete dispute code on account which XXXX failed to do. Account is not under dispute anymore and dispute remarks or codes are to be deleted from report. 9. Espirian report says under Dispute status that account not disputed. Contrary on same report under Creditor 's Remarks it says account disputed. Both can't be correct. 10. Espirian reportsays account disputed under Creditor 's Remarks. This account has been disputed and verified as correct. Dispute is over and once over any dispute remarks or dispute codes are to be immediately deleted from account. Espirian failed to remove the dispute remarks/codes from account. This violates the FCRA. and due process of federal law. A copy of consumers smart credit 3 bureau report is included in this complaint to verify al errors and discrepancies.once all 3 reports are side by side there is no way all 3 bureaus verified different information from same 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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 non-monetary relief
Consumer complaint received 2023-06-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I've communicated with Gap several times to have the negative reporting removed from my credit report. This card has been paid and closed since XX/XX/XXXX- they are reporting a 30 day late payment but I have not received any information regarding this nor does it show on my report when I was late. 

When I spoke with Gap in XX/XX/XXXX the representative shared that Gap  will not remove the negative reporting on my credit report which seemed to start the timeline of removal all over.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX, XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name:XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXXXXXX Account Number : XXXX XXXX. Account Name : XXXX Account XXXX : XXXX 6. Account Name : XXXX XXXX Account XXXX XXXX. Account Name : XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation

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 2020-01-24
Company: MoneyLion Inc.
State: NC
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:
I took out a loan with Moneylion. The stipulation of the loan was to sign up for membership pay a monthly fee and also have money going to their investment account. You could not cancel the membership if you had an outstanding loan and if the loan needed to be repaid or money is owed it can be wthdrawn from the investment account to to resolve the balance as a security. 
The balance in my investment account was approximately {$390.00}. {$260.00} was removed from my investment account with MoneyLion to pay off the outstanding loan. I had a remainder of approximately {$130.00}. There were membership fees that were passed due that could have been paid with the {$130.00}. However it was not. In fact, it shows {$130.00} was withdrawn from my account and was not applied to any balances. I even had to block my account for MoneyLion because they were still attempting to withdraw money from my account for the membership when the loan was clearly paid off and money was in my investment account. 
I then get a notification on XX/XX/XXXX from several monitoring services I have that advised I have a MoneyLion account that is delinquent 120 days. I called MoneyLion and they advised that it was a due to the past due membership fees. However, if the {$130.00} was correctly applied to the fees this would not have reported on my account. I called MoneyLion on XX/XX/XXXX immediately and the representative had no explanation of why the {$130.00} was withdrawn from my investment account and not applied. In fact, the money has been withdrawn and could not be traced to where the funds went. 
The fees were eventually waived by the representative in the amount of {$110.00}, which is clearly covered by the cost of the missing investment funds. 
I was supposed to receive an email on XX/XX/XXXX stating that the fees have been waived and I was supposed to be sent another email advising that the funds are forfeited from my investment account in order to cover any left over balances owed to MoneyLion. I received two emails from MoneyLion about this procedure with one in XX/XX/XXXX, but a mass email delete had to be performed on my email account because it was too full and this was part of this purge. At this time, I have not receive any of this documentation and I know there is electronic tracking of email sent to their consumers. I could not cancel the membership via their website and I had to call to have my membership cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To Whom It May Concern : I am writing to file a complaint regarding inaccurate and unlawful credit reporting by XXXX, XXXX, and TransUnion. These credit bureaus are incorrectly reporting five bankruptcy cases on my credit report that do not belong to me : XXXX XXXX. XXXX, filed on XX/XX/XXXX XXXX XXXX. XXXX, filed on XX/XX/XXXX XXXX XXXX. XXXX, filed on XX/XX/XXXX XXXX XXXX. XXXX, filed on XX/XX/XXXX XXXX XXXX. XXXX, filed on XX/XX/XXXX Over the years, I have disputed these cases multiple times in writing and by phone with the credit bureaus. However, they have failed to remove them, even though the U.S. Bankruptcy Court confirmed in writing that they do not report bankruptcies to credit bureaus ( letter attached ). Therefore, these accounts are being reported inaccurately and should be deleted. 

By reporting adverse information without my consent, the credit bureaus are violating 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), which states that " 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. '' Additionally, 15 U.S. Code 1681e requires consumer reporting agencies to " maintain reasonable procedures designed to avoid violations. '' By not maintaining reasonable procedures to avoid false reporting, XXXX, XXXX and TransUnion are clearly violating this code. 

I kindly request the CFPB 's assistance in compelling XXXX, XXXX and TransUnion to permanently remove these inaccurate and unlawful accounts from my credit report. Their continued false reporting has damaged my credit. Please contact me if any additional information is needed. 

Thank you for your time and consideration. 

Sincerely,

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 2023-01-05
Company: Experian Information Solutions Inc.
State: IL
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 fair credit reporting act. The list of accounts belowhas violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

account name- XXXX account name- XXXX account name- XXXX account name-XXXX account name-XXXX account name-XXXX account name-XXXX  account name- XXXX account name- XXXX account name- XXXX 15 u.s.c 1681 section 602 A. States i have the right to privacy.

15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 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