|
11008675
|
2024-12-03
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
LAKE MICHIGAN CREDIT UNION
|
| Product |
Checking or savings account
|
| Sub Issue |
Problem accessing account
|
| Sub Product |
Checking account
|
| Date Received |
2024-12-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-03
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6289578
|
2022-12-06
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
LAKE MICHIGAN CREDIT UNION
|
| Product |
Checking or savings account
|
| Sub Issue |
Problem using a debit or ATM card
|
| Sub Product |
Checking account
|
| Date Received |
2022-12-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-06
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10829013
|
2024-11-17
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
LAKE MICHIGAN CREDIT UNION
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with fees charged
|
| Sub Product |
Loan
|
| Date Received |
2024-11-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-19
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Other
|
|
|
7298243
|
2023-07-24
|
Problem with a purchase shown on your statement
|
Credit card or prepaid card
|
|
| Issue |
Problem with a purchase shown on your statement
|
| Timely |
Yes
|
| Company |
LAKE MICHIGAN CREDIT UNION
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Credit card company isn't resolving a dispute about a purchase on your statement
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2023-07-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-24
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
In XX/XX/XXXX, I purchased a sofa from XXXX XXXX. In XXXX of XXXX, I was informed that XXXX XXXX completed an XXXX process to sell their company to another company and that my order was never produced. I was given the option to cancel my order and submit a claim for the amount of money I spent. I did so. I was told to wait until XXXX XXXX for a resolution. XX/XX/XXXX of XXXX, I found out that the company responsible for settling XXXX XXXX debts would not be paying out my claim. So I was out that money for a product I never received. I am waiting for XXXX to resolve this dispute and refund my XXXX dollars.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7341148
|
2023-08-02
|
Problem with a purchase shown on your statement
|
Credit card or prepaid card
|
|
| Issue |
Problem with a purchase shown on your statement
|
| Timely |
Yes
|
| Company |
LAKE MICHIGAN CREDIT UNION
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Credit card company isn't resolving a dispute about a purchase on your statement
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2023-08-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-02
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
In XXXX of 2022, XXXX XXXX, I purchased a sofa online from XXXX XXXX. I was told Id receive it within 8-10 weeks. After 8 weeks passed and I hadnt heard anything, I reached out to the company, was told they were going through an acquisition and to keep an eye on their order update page. I checked back constantly, and in XXXX I finally learned that they had not produced my order and I wouldnt be receiving it. So they told me to file a claim with the company handling their finances during the dissolution of the company. And to wait until XX/XX/XXXX for a resolution. So I did what they said. And I waited. And I filed a dispute with XXXX XXXXhe first week of XXXX after finding out I would not be getting a refund. And now my bank and XXXX have told me that there is nothing they can do to get my money back. But I know thats a lie. Because Ive spoken to others in my situation who are getting their money refunded by their credit cards and banks.
I really need to have my money refunded. I paid for a good that was never delivered. The company took my money and walked away with it. It was nearly XXXX dollars.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8346968
|
2024-02-14
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
LAKE MICHIGAN CREDIT UNION
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-02-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-14
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8105158
|
2024-01-04
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
LAKE MICHIGAN CREDIT UNION
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-01-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-04
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
FCRA section611 ( A ) ( 1 ) FCRA section 623 FCRA section 604 ( A ) ( 3 ) Remove any old or duplicate addresses from my report they are a non mailable address Remove any old or duplicate phone numbers Remove any variations of your name that are incorrect Place a security freeze on all your reports Opt out of the following agencies XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
6091093
|
2022-10-16
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
LAKE MICHIGAN CREDIT UNION
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-10-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-10-16
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6787243
|
2023-04-03
|
Problem with a lender or other company charging your account
|
Checking or savings account
|
|
| Issue |
Problem with a lender or other company charging your account
|
| Timely |
Yes
|
| Company |
LAKE MICHIGAN CREDIT UNION
|
| Product |
Checking or savings account
|
| Sub Issue |
Transaction was not authorized
|
| Sub Product |
Checking account
|
| Date Received |
2023-04-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-03
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
XXXX XXXX & XXXX XXXX ( estimator ) scammed or defraud e. They sent me a contract to perform a bath remodel. I paid a {$1100.00} deposit which was half of the job cost and then disappeared with my money. I contacted the fraud department at the bank but they refused to trace the check # XXXX or charge it back to the bank account it was deposited to. The only information I have on the company and estimator is Phone Number : XXXX Florida XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Filing Information Document Number : XXXX FEI/EIN Number : XXXX Principal Address & Mailing Address Registered Agent Name & Address XXXX, XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX FL XXXX Authorized Person ( s ) Detail Name & Address Title MGR : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX FL XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
8629618
|
2024-03-26
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
LAKE MICHIGAN CREDIT UNION
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-03-26
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-26
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
