BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-21
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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX Ssn XXXX Phone number :XXXX XX/XX/XXXX Experian Customer Relations XXXX XXXX XXXX XXXX, TX XXXX XXXX : Unauthorized Disclosure of Personal Information and Violation of Privacy Rights Dear Experian Customer Relations I am writing to bring to your attention a matter concerning the unauthorized disclosure of my personal information, which I believe constitutes a violation of the Privacy Acts No Disclosure without Consent Rule outlined in 5 U.S.C. 552a ( b ). I have recently obtained a credit report from your agency, and I discovered that certain details related to my child support account with the XXXX XXXX XXXX have been shared without my prior written consent. 

The specific information disclosed without my consent includes : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Child Support Responsibility : Individual Date Opened : XX/XX/XXXX Status : Open. {$40000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$40000.00} Balance Updated : XX/XX/XXXX Recent Payment : - Monthly Payment : {$660.00} Original Balance : - Highest Balance : - Terms : 1 Month Source : Experian I would like to emphasize that, according to the Privacy Act, federal agencies are generally prohibited from disclosing personal information without the written consent of the individual. This disclosure, as detailed above, includes information about my child support account and its financial status, and I have not provided any prior written consent for such disclosure. 

I kindly request that Experian thoroughly investigate this matter, correct any inaccuracies resulting from the unauthorized disclosure, and take appropriate measures to remove the child support account from my credit report and prevent such incidents in the future. I am also open to providing any additional information or documentation to support the resolution of this matter promptly. 

I appreciate your prompt attention to this issue and look forward to a timely resolution. Please feel free to contact me at XXXX is my phone number or XXXX is my email address to discuss this matter further. 

Sincerely, 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 2022-07-13
Company: EQUIFAX, 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 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Square Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/20 I was transferring through my Cash App account {$500.00} from my XXXX XXXX account into my own Cash App account. After doing so the money never showed up into my cash app account. I then realized my money didn't go to my own account, but instead went into another person 's account. I immediately canceled the transaction, tried to call cash app ( the number is an automated system that refers to an email ) sent a support message to cash app through their help section of the app. I received an email confirming my cancellation request. I sent a help ticket to XXXX requesting a stop on the transfer. XXXX said they couldn't do anything until the transaction was no longer pending. I sent 2 more messages with no response to cash app. Finally, after the transaction posted and the transfer was complete cash app emailed me saying they know it's not the response I hoped for, but since the transaction is now complete they couldn't help me. Nevermind that the money was transferred unauthorized to a stranger 's account, nevermind I contacted them immediately, and I canceled the transaction. I requested a telephone number to speak with a person, and all they've done is email me saying they can't/wo n't help me. I filed a formal dispute through XXXX and am still waiting to hear from a manager. XXXX originally told me no they wouldn't help me because it wasn't completely unauthorized and that I'd have to go to cash app, but then I asked about being covered under the EFTA because I noticed the ERROR and contacted both XXXX and Cash App immediately and tried everything in my power to correct it, they sent me a form to fill out. Under Regulation E the EFTA States that '' if a consumer notifies an institution that an error involving an EFT has occurred, the institution must investigate and resolve the claim within specified deadlines. Errors covered by this requirement include unauthorized EFTs, incorrect EFTs, and the omission from an account statement of an EFT that should have been included. '' I'm getting no help on resolving this issue. My {$500.00} is in someone else 's account, and cash app is neither reversing the transaction to my XXXX  account or to my cash app account. Please help me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Global Lending Services LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-07-13
Company: EQUIFAX, 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 Number : XXXX, XXXX/ Accont # : XXXX XXXX  credit card/ Acct # : 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2022, my representative, XXXX XXXX XXXX, acting on the basis of power of attorney No. XXXX dated XX/XX/2022, submitted an application for a money transfer on my behalf to XXXX XXXX. The transfer amount was XXXX XXXX dollars. The recipient bank is XXXX XXXX XXXX ( XXXX XXXX ). The recipient is XXXX XXXX XXXX. In other words, the transfer of funds was carried out from the account of XXXX XXXX, opened in XXXX XXXX, to the account of XXXX XXXX, opened in XXXX XXXX XXXX. To date, the funds have not been credited to XXXX. XXXX 's account at XXXX XXXX XXXX. XXXX XXXX engaged CITI BANK N.A. as a correspondent bank to fulfill the order. As mentioned earlier, the order dated XXXX has not been executed to date the funds have not been received by the recipient 's bank XXXX XXXX XXXX. The funds are in the correspondent bank of CITI BANK N.A.. XXXX XXXX. transferred his personal accumulated funds from his account opened with XXXX XXXX to his personal account opened with XXXX XXXX. I believe that CITI BANK N.A. unreasonably withholds my personal funds. Based on the above, we ask : To take measures to identify violations in the actions of CITI BANK N.A.

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 2022-09-17
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/22, 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. I agreed and she said she would give me {$500.00} a week in exchange for having an honest person to talk to everyday. The same day we started talking she said she would give me my first {$500.00} and gave her financial cashier my phone number to give me the check. A couple hours later the same day she asked me if I could do her a big favor. She told me that her Zelle, XXXX XXXX, and other forms of mobile payment wasnt working, and that she found out that her granny has XXXX. She basically said that she was going to send me some money ( XXXX ) to Zelle to her granny along with my {$500.00}. I agreed and was talking with her financial cashier through a phone number but found out it was actually her I was talking to ( XXXX ). Her financial cashier apparently then started talking to me through another contact ( XXXX ). At that point I had a suspicion that I had been talking to the same person all along and that there is no financial cashier but Im not sure. They both sent me images on how I would deposit the checks that they sent me. They told me to take pictures of the checks from a computer or XXXX which I did. I was sent 2 checks and each was for XXXX. I did it, and just {$500.00} came through within a few minutes and they both kept desperately urging me to send that to the granny right away so I did it. The Zelle info they sent me was to XXXX XXXX XXXX, ( XXXX ). They kept calling me at XXXX asking me to check if anymore money came in. Another {$500.00} was available the next morning so I sent that out as well. They said it had gone through and to keep waiting for one more {$500.00} to go through to send out to granny. The following morning my account was at- {$760.00}. I informed them both and all the financial cashier said is that it was negative because I deposited the first check wrong. However XXXX never replied and when I went to go message her again on XXXX I saw that her account had been deleted. We went to go talk to a banker at XXXX and she had told us that they couldnt do anything because I had used Zelle. A couple days later all the checks had been returned fake/altered. My account is now at a - {$990.00} and is now currently blocked by XXXX, if I do not pay back the negative balance they will close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have loans that were in forbearance with XXXX XXXX XXXX. At the end of forbearance I asked for an extension and State Farm informed me the loans were in the process of being transferred to Rushmore LMS and I have to talk to them. I have not had any luck with getting a live person on the phone at Rushmore. Once, I did get a person and he told me he see 's it is in forbearance. At that time I asked that his company not robo call me. I told him I need to find out if it is going to be extended and what are my repayment options. He said he would get back with me in a week ( around the beginning of XX/XX/XXXX ). I did not hear back. I did receive another robo call from them a little later than a week on ( XXXX at XXXX XXXX eastern ) I called right back at XXXX and was told the office is closed. According to the time on their paperwork they should be open until XXXX pacific. I received another call on XXXX @ XXXX eastern and when I answered no one said anything. I said hello several times and no one said anything. All the other times Rushmore would call it would be a robot telling me to call them. When I did call right back I would be told it was after hours or I could not get a person on the phone. 
I was sent some documents and I filled them out and mailed them on XXXX XXXX, hoping to finally get a repayment plan since I was never informed if I was going to get an extension of my forbearance. 
On XX/XX/XXXX I received a Notice of intent to foreclose ( dated XX/XX/XXXX ), stating I have to give them the entire balance by XX/XX/XXXX. I sent Rushmore an email with the documents I mailed to them. I told them they robo call me and never answer the phone, they never gave me a relationship manager or an after forbearance repayment plan. I also told them I was going to file a complaint with the Consumer Finance I received an email response on XX/XX/XXXX informing me they received my documents and they are under review and will let me know within the next 30 business days. Rushmore informed me XXXX XXXX XXXX XXXX is the current owner of the loan. All this is good but they told me I had to pay in full by XXXX. Thirty business days is to late to get a reply. 
On XX/XX/XXXX, I got 2 more certified letters about foreclosure that was dated XXXX, XXXX, on 2 other properties that are in forbearance. Along with the forbearance letter I received home retention documents that were back dated to XX/XX/XXXX. One of the properties were less than 30 days late at the time of the foreclosure letter. 
I have a friend who have had problems of their own with Rushmore. On time payment were being made when they were sent a letter stating they were 3 months behind. Rushmore was not applying the funds. My friend made payments current again and Rushmore refunded their funds as an escrow overage. Needless to say, they never admitted fault or corrected it on their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: NV
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:
After reviewing my credit report i must inform you that i am NOT responsible for this fraudulent account. Someone stole my identity and generated a fraudulent account in my name. This is account is closed, fraudulent, and reporting inaccurate information on my report.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

This account should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY!

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.

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 2023-02-09
Company: Experian Information Solutions Inc.
State: CA
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:
Hello, im here contacting you to notify that on my most recently reviewed consumer report, i noticed there was some fraud/unauthorized inquiries listed. As reference please see the inquiries listed below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. 
I have also made contact with the listed CRA 's to advise them of these fraudulent inquiries. In response, they provided me 3rd party entities that initiated the credit pull. I also did not recognize nor authorize any parties linked to the inquiries listed above. And they did not resolve my complaint. Additionally, I have not given EXPERIAN, XXXX, or XXXX permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ). Both together and separately my consumer and privacy rights are being violated.

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information, please remove the above mentioned inquiries within 15 days of receiving this complaint. It is your duty to accurately report information and as of now you are not doing that. I look forward to EXPERIAN, XXXX, or XXXX resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations.

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 2022-09-17
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, XXXX XXXX XXXX  XXXX account 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX XXXX XXXX  XXXX account 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 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 2023-11-09
Company: CITIBANK, N.A.
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a Macy 's card several years ago and I fell behind on the payments. The amount was added for collections and I have since paid off the amount. I have since reconciled the account and paid and closed the account but it still shows on my credit report. I have attempted to contact Macy 's to have the account removed but I never receive any assistance or solutions.

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 2021-12-07
Company: EQUIFAX, INC.
State: PA
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information 's about my inquiries are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that is still reporting on my account and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation