BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: GA
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:
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 Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number:XXXX has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: MD
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report. I have recently reviewed my credit report and have found multiple inquiries that I do not recall authorizing. I believe these inquiries might be fraudulent and I request their immediate removal from my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or incomplete information on their credit reports. In accordance with this law, I am requesting that you investigate and remove the following inquiries from my credit report : 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 As per the FCRA, the credit reporting agencies must investigate my dispute within 30 days of receiving it. I also request that you provide me with a written statement of the results of the investigation and a free copy of my credit report after the dispute has been resolved. 

I appreciate your prompt attention to this matter and look forward to your favorable response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 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 non-monetary relief
Consumer complaint received 2023-02-17
Company: Branch Messenger, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Ever since I've started my sideline with XXXX  ( which is a XXXX service ), it was a great sideline. The app is fairly easy to use and pays good. Although the only problem was the company that pays us ( Branch wallet ), all the money I was saving for a business was stolen. I've downloaded the app and activated my card and never used the card since I was only saving all of the money I have from that sideline and ever since I haven't checked my money until now and I was surprised that there's a ton of transactions that I did not authorized. I don't know how those transactions were made. I tried looking for my card and it came to my attention that my card is missing this whole time. There's even a negative fund on my account. I've already contacted the company and I still don't have any response from them. I need the money back that I've worked hard for. The total stolen money out of my account is {$4200.00}. I've attached all the fraudulent transactions below also the steps I took with the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 received a copy of my credit report and found the following item ( s ) to be in error and I did not authorize these inquiries, delete and remove. 
1. The following personal information is incorrect Account Number : Date of Birth : XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, PA XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX 4. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Mail Current Status - Preparing Letter ( XX/XX/XXXX XXXX XXXX ) Letter Mailed Date and XXXX - XX/XX/XXXX XXXX XXXX Pass through - Certified Recipient Address - XXXX XXXX  XXXX XXXX, PA XXXX Account Number : Employers : XXXXXXXX XXXX 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete from consumer report 8. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 10. Under 15 USC 1681 a ( 2 ( A ) ( ) late payments are transactions and transactions are excluded from a consumer report. 
XXXX Account Number : XXXX Update to paid as agreed

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 2023-07-06
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Alleged Account Account Number : XXXX Dear National Credit Systems, I am writing to formally dispute the alleged account associated with the account number mentioned above, as per a court order dated XX/XX/2023, which concluded the parties have agreed that the landlord dismisses the monetary claim without prejudice. I do not have a monetary obligation in this matter. The court case was mediated and subsequently closed without prejudice. I received a notice from your agency regarding the collection of a debt, and I believe this to be a violation of the court 's decision. 

As stated in the court order, which I have attached for your reference [ A physical copy is on file with your office as well ], the matter at hand was thoroughly examined, and it was determined that I do not owe any monetary obligations related to the alleged account. Therefore, I kindly request that you cease all collection activities immediately and update your records accordingly. To assist you in resolving this matter swiftly, I have enclosed a copy of the court order for your review. It clearly states that the case has been closed without prejudice, emphasizing that I am not liable for any outstanding debts associated with the alleged account. It is imperative that you abide by the court 's decision and discontinue any attempts to collect on this debt. 

I expect your full cooperation in this regard. Failure to comply with the court 's order and to cease all collection activities may result in legal action being taken against your agency for violation of the Fair Debt Collection Practices Act. Please provide written confirmation within 30 days of receiving this letter, acknowledging the closure of the case and confirming that all collection efforts related to this account have been terminated. 

Additionally, ensure that no further communication or reporting to credit bureaus occurs concerning this disputed debt. I trust that you will handle this matter promptly and with the utmost professionalism. Thank you for your immediate attention and resolution of this dispute. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
To Whom It May Concern, This is an urgent matter concerning a violation of my privacy and requires immediate attention. In order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft. Thank you. Exhibit ( s ) provided. 


Per my own investigation and the investigation conducted by the other credit bureaus it has been proven that this debt is false and in violation of my privacy. As the beneficial owner of said account with your company, I trust that my demands will be met with ease and these accounts will be removed immediately. This is my second attempt to remove these accounts from my consumer report. The initial 30 days has succeeded and the following accounts still remain on my consumer report. 

1. XXXX XXXX XXXXXXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. US DEPT OF EDXXXX 6. XXXX XXXX XXXX The accounts listed above are in violation of my privacy according to 15USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. According to 15USC 1681A ( 2 ) ( b ) these accounts should have never been in your system, or my location information shared. This is a willful violation that I am willing to forgive for the completion of my request. Federally Protected Consumers have a right to privacy pursuant to the Privacy Act of 1974. It is my duty to protect my name, if an investigation is performed, it must be impartial and performed according to 15USC 168 ( i ) in its entirety. If this can not be provided these accounts are to be remove immediately. If you fail to comply, I will be forced to report to the CFPB and other regulators. Thank you for your assistance and cooperation in this matter. 


By : XXXX XXXX XXXX, consumer

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 2020-02-19
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Company : XXXX XXXX XXXX XXXX XXXX on behalf of Lakeview Loan Servicing Lakeview has promised my parents that due to the change in interest rates, they can provide them a lower mortgage interest rate at 3.930 % with no out of pocket costs and/or closing costs. The problem is, we just moved into this home XX/XX/XXXX and I am part owner of this house. They have not received my consent to do so. When finding out what was going on, my dad provided me a draft of their documents. They are instructing my parents to provide them a deed that I'm not listed on ( previous deed ) in order to close on the loan without my consent.. We had a lawyer draft a document that he then filed with our local Appraisal and/or County Clerks office. I have tried to contact them only to find out multiple people have handled our loan no longer work with this company and I continue to receive voicemail. Today XX/XX/XXXX, I sent them email to discontinue, terminate, and cease practices or servicing of the attempted loan refinance with my parents. Please help us. This company is supposedly associated to the company we currently pay our mortgage to. We are afraid of retaliation due to the current servicing of our loan. Thank you for any help you can give so other people that may be in our shoes get the same help.

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 2023-05-07
Company: Experian Information Solutions Inc.
State: VA
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:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any injury and view my credit report. In addition, i did not give you XXXX, XXXX, or Experian permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best Regards, XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611 and you i

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 2023-04-05
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX XXXX was transferred from XXXX XXXX to citi bank On XX/XX/XXXX XXXX was transferred from XXXX XXXX to citi bank to take advantage of high yield savings account. 
On XX/XX/XXXX I received an email from citi bank that my account had been closed : Based on a recent review of your Citi ( R ) Accelerate Savings account, we found that you have violated the terms of your account per the client manual. 
As a result, your Citi ( R ) Accelerate Savings account and any other Citi accounts you have will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately. 
With your account closing, please remember to : Make sure that the address we have on file is correct- we will send any funds belonging to you to this address, once the account is closed. 

I called and they were unable to provide any information except that large transfers sometimes triggers and automatic account closure. They said I should file a reversal with my XXXX XXXX XXXX or wait 60 days. I filed a reversal with XXXX XXXX and they said because the funds were intentionally sent that I would have to wait and deal with citi bank. 

On XX/XX/XXXX, I contacted citi bank to ensure that funds would be issued promptly and they said they would take 5-7 days to issue a check and they had the correct address. On XXXX I still had not received a check so I contacted them to see what was going on and was told they would not issue my funds back to me and that XXXX XXXX needed to request the return of these funds and that no check would be mailed. XXXX XXXX told me they had already completed this process and that it was not their responsibility and that I should take it up with Citi bank to get my funds returned. Now nobody at citi bank will give me additional information on how to get my funds back and XXXX XXXX has said they have done all they can do. 

This is a large amount of money for me and I need access to these funds. I'm also currently not working due to recovering from XXXX from XXXX XXXX XXXXXXXX and this is threatening the financial security of my family.

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 2023-03-30
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I receive notice on XXXX that an account has been added to my credit report, I immediately called the company to ask for a itemized bill and to verify the account and debt ; to this day I have yet to receive anything from them. No mail, nothing showing me how to dispute it! They are refuses to send me anything.

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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