BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-02
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I filed bankruptcy, there were fees that were not removed from my billing statement. I have tried countless times since then to have them removed but the Lakeview Loan Servicing refused to do so. I was told that they would look into it and never received responses. It has showed on every single statement since that time with no correction. 
On XX/XX/XXXX due to XXXX I had to file another bankruptcy and still the Lakeview Loan Servicing refuses to remove it. Any attempt to call results in another department needing to handle it, said department states theyll look into it but never resolved it. 
Almost 9 years of seeing fees that should have been removed. Bankruptcy in itself is strenuous, the stress lasts and never lets up and to see fees that should have been removed in XXXX creates even more stress. I have to continually live in fear that if I argue with them they will attempt to sell my home leaving my family and I XXXX I make my payments on time every month and have to look at this fee continuously, trying to avoid it like a plague. This is my final resort and all I can do is pray that its removed without the company holding it against me and attempt to take my home.

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 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX  ACCOUNT # 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.

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 2022-07-02
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
According to XXXX I have 7 late payments for my student loans accounts open back in XXXX. It was reported on my credit as late payments when I was actually in forbearance on my loans for the year and months the late payment was reported. As of XXXX my loans are deferred because I am still currently in school. I called both the department of education and AES and opened up disputes for inaccurately reporting those late payments. Both loan servicing companies informed me that this sometimes happen because the forbearance take a while from the time its issued from the time its reported resulting in a late payment status which is drastically affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02
Company: Bread Financial 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: Old information reappears or never goes away

Complaint:
Back in 2017, Comenity bank closed my Express card with no consent or knowledge from me.

This led to me not being able to make payments on the account. This then led to the account going late multiple months then to a charge off. 
Even after talking multiple times to their overseas customer service departments, with no help. They would only say things like " the account is closed, we cant help you '' or " wait till it goes to collections ''. 
For the last 5 years this account has HAUNTED me and my credit reports. Making it still so I can not obtain proper credit or even a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, ( XXXX XXXX XXXX XXXX Original Creditor : XXXX ) ) has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX  ( Original Creditor : 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

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 2022-07-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Investigation took more than 30 days

Complaint:
USAA has stated that my account was paid late XXXX time ; XXXX days. 

After talking to many customer service reps, I was finally told on XX/XX/22 that USAA has had issues with their computers resulting in false XXXX day late payments. 
I was informed to dispute these with the credit bureaus. USAA did not investigate or fix the issue. ( XXXX day late payment on ALL XXXX of my credit reports ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Experian Information Solutions Inc.
State: NJ
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 Account name : 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

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 2023-10-16
Company: Experian Information Solutions 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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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

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 2022-07-29
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:
n accordance with the Fair credit Reporting act XXXX Account # 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 a account without my written instructions. 

Account name XXXX XXXX XXXX Account number XXXX Original balance {$24000.00} Past due amount {$4800.00} Date opened XXXX XXXX, XXXX Needs to be removed Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$1000.00} Past due amount {$1000.00} Needs to be removed Account name XXXX XXXX XXXX XXXX Account number XXXX Balance {$1700.00} Date opened XX/XX/XXXX Needs to be removed

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 2022-07-02
Company: EQUIFAX, INC.
State: NJ
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 Account name : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: ADP Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Monday XX/XX/2022 I call into Wisely to dispute over 40 XXXX unauthorized charges. Per usual I get the worse customer service experience ever. After filing the dispute my card was closed and I as issued a new card, which I had to pay to have expedited to me. I had to call in everyday for a tracking number for my card which I never got. They will promise to call back and/or email and lie! All their calls are recorded they can check for themselves. These people will not protect your money. This is my 2nd dispute in about 3-4 months. They are not on their customers side and do not serve your best interest. Today XX/XX/2022 I receive an email stating " This letter is to notify you regarding the disputed transaction ( s ) listed on the attached page ( s ), which you recently submitted. The investigation has been finalized and we've determined that there was no error. Record analysis indicates that no fraud has occurred as investigation results match information on file. No credit will be issued. '' The kicker is this is coincidently maybe about 1 days before Regulation E timeline expire for my provisional credit my claim gets denied and Wisely did nothing to protect me as a customer. Without any written explanation of their false findings. I reported the unauthorized charges as necessary. Mailed back The Statement Of Fraud XXXX Priority Mail with a Tracking number. They will take advantage of their customers hoping they don't know any consumer laws. They will not reopen the investigation and I'm out near $ XXXX in fraudulent charges. I need the documents the bank relied on to make its decision as that is my consumer right. I will be looking into a Consumer Protection Attorney. I will also be closing this account with this janky bank expeditiously. People please if you want a secure account with a banking institution that cares for its customers go elsewhere, you've be warned. Over $ XXXX deposited at this bank yearly and they could careless about unauthorized charges on my account. Save yourself the time, headache, and resources and go to a Real Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am currently in the market to buy a home and I was reviewing my credit report and found some errors on XXXX  XXXX XXXX You are reporting information about me which is inaccurate. This account has not been properly verified. 

XXXX credit bureau DELETE THIS ACCOUNT because they were unable to properly verify it. I'm confused why you are still reporting this account and you have access to the same information the other credit bureaus do? Please DELETE this account XXXX XXXXXXXX XXXX from my report immediately for failing to comply with FCRA. 
THANK YOU FOR YOU TIME

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 2022-12-02
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-09-22
Company: Affirm Holdings, Inc
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX from affirm ( XX/XX/22 at XXXX ) said my account with affirm will be deleted and my money refunded on XX/XX/XXXX. I have this phone call recorded.I am tired of being forced to pay this loan when I do nopt have the merchandise I am tired of being lied to by affirm. I do not owe this loan and I am being blackmailed to pay. 

Affirm credit financed an item for me from XXXX the order number from XXXX was XXXX. The package from XXXX never arrived, although tracking shows it was delivered, I never received the package. I asked XXXX to help but they refused saying the packaged was delivered and i need to dispute the item as not received with Affirm. {$440.00}. So i finally disputed the item as not received with Affirm and i immediately got an email that says even though i disputed the item as not received with affirm their is nothing they can do because they must always follow and do anything XXXX tells them. This is ridiculous I do not have a valid loan with affirm because i never received the item. So i have no merchandise but yet I have a loan with affirm and they refuse to help in anyway and they have also threatened if i miss one payment they will ruin my credit for life. I am being blackmailed by affirm. I do not have any merchandise but they are charging me for it and refuse to help or investigate. I want this loan account cleared and marked paid in full because I DO NOT HAVE THE MERCHANDISE. Attorney general is also being contacted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: EQUIFAX, INC.
State: AZ
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 received notice from XXXX that my loan application was denied based on Equifax. 
Equifax states that there are " A number of accounts with delinquencies. '' I alerted XXXX that I did not request a loan but as a result was able to see that Equifax is stating that I have delinquencies. I alerted Equifax to the issue and was directed back to the site to submit a dispute. 

I have done this prior regarding XXXX Bank and XXXX Bank where Equifax as XXXX late payments posted in 2013. Both accounts were in good standing when closed and have been paid in full. Equifax does not allow for further address of this issue on their site stating that the dispute was closed. 

Equifax should remove the rare XXXX day late payment from 2013 on both accounts and still burden my credit report XXXX years later. I have a perfect and 100 % payment history for over a decade and am not delinquent on any accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX Opened a care credit card to help with unexpected pet emergency. Was able to obtain {$2000.00} credit for this. 

Over time I made payments timely and eventually paid it down but never anticipated closing as I intend to use the card when unexpected medical/dental emergencies or prescription needs would come up. For which every time I used the card, I always paid any balance due off but keeping the account open. Last used was back in XXXX at XXXX XXXX XXXX office for homeopathic services. 

Skip to XXXX synchrony bank- creditor for Care Credit closes account without notification and causing adverse action to my consumer reports. They said they utilized credit analysis software to come to decision to close the account. When there was no balance and it was just kept open. They said that even when my score was fair.. my high debt was a contributing factor to close and not continue business. I do believe this is unfair practice especially since I have XXXX other credit cards with the same creditor paid and in good standing but yet those accounts are not in jeopardy of closing. Please help mediate and rectify the account either by helping to reopen it with the same amount for credit or demand them remove any Care Credit consumer reporting information and history from my consumer reports all together entirely. Its upsetting..bc in a time were I had good reporting with them, they decide to harm my scores even worse by closing the account dropping scores XXXX pts. 

Thank you for your help in this really unfair circumstance. 

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 explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
We was going to be looking to buy a house and noticed some collections on my report. I have disputed them and they will not remove them as I have no knowledge of these. 
According to XXXX XXXX XXXX law, there should not be any damages on my report. Its a defamation to my character.

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 2022-07-02
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:
The financial institutions below continue to violate my right to privacy. I have disputed this information with XXXX, Equifax, and XXXX, and have not received a response. I also filed a FTC identity theft complaint, as well as a complaint with you, the Consumer Financial Protection Bureau, -whom has successfully transmitted my complaint electronically to XXXX XXXX XXXX, and Equifax XXXX It has been more than four ( 4 ) days and the information is still reporting, and has not been blocked per 15 U.S. Code 1681c2. 

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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: NCB Management Services Inc.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/21 NCB threatened to make my credit bad and stop me from establishing good credit again. They open this account on XX/XX/21 without my awareness. And reported to the credit bureau as a collection account. Once they seen I was trying to purchase a home the company then made the account an open account on my credit. Now the account is on my credit is an open account that I just started with them

Company response to consumer: Closed with explanation