BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victim of identity theft. I filed a report with the FTC. The following accounts that are on my Credit Report do not belong to me.

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 2022-11-24
Company: EQUIFAX, INC.
State: DC
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:
I ordered a copy of my report in XXXX  on XX/XX/22 and I found out that 3 Credit Bureaus still indicate my dispute of information in my credit report. As of todays date, they have not responded to my dispute. According to the Fair Credit Reporting Act, 3 credit bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed accounts which I believe was reported in error. XXXX XXXX XXXX XXXX Balance : {$420000.00} ; XXXX XXXX XXXX Balance : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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:
In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( ORIGINAL CREDIT - XXXX XXXX XXXX ) XXXX DEPT OF EDUCATIONXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights I have not supplied proof under the estoppel by silence, Engelhardt v. gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 : # 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 2021-06-15
Company: BSI Financial Holdings, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, I refinanced my home with XXXX XXXX XXXX ( servicer XXXX XXXX  XXXX ). The initial loan was for XXXX and was closed on XX/XX/2021. 

I have made 2 principal only payments to XXXX XXXX  on XX/XX/2021 - XXXX XX/XX/2021 - XXXX reducing my principal balance to XXXX as of XX/XX/2021. XXXX Attached statement from XXXX XXXX  ). 

My loan was transferred from XXXX XXXX  to BSI Financial Services on XX/XX/2021 and they setup my account with initial balance of XXXX totally disregarding the previous payments in XXXX and disregarding the statement from XXXX XXXX  which shows clearly the account was transferred with an initial balance of XXXX. ( statements attached XXXX. 

I am not sure if this done to defraud me or was a mistake, however looking at BSI actions in past and the settlement they did with CFPB on the same issue per link below https : XXXX I have contacted both XXXX  XXXX  and BSI several times with no resolution. I even got both the companies on same conference call and XXXX XXXX clearly provided documentation to show that they transferred loan with a balance of XXXX, but BSI is not ready to fix this issue. 

They keep insisting that my original note is of XXXX, so that's the amount they will set the loan for. 

Please help in resolving as it is not getting resolved. 

The XXXX  XXXX  Contact Information is as below XXXX XXXX XXXX a division of XXXX XXXX XXXX ATTN : Consumer Solutions Department XXXX XXXX  XXXX XXXX  XXXX, Virginia XXXX XXXX BSI Financial Information as below BSI Financial Services XXXX. XXXX XXXX XXXX, PA XXXX Customer Care Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: NV
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 FURTHER Complaint that identity theft occurred to me. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must within 4 business days remove or block any items that were opened without my knowledge, consent, or authorization if you provide the following : ( 1 ) valid identification ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer stating that the information is unrelated to any transaction by the consumer. 
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 2022-12-09
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:
My name is 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.

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 2021-04-19
Company: Winklevoss Exchange LLC
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Enter the complete name, address and phone number of the business your complaint is against : Gemini Trust Company , LLC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX United States XXXX What is the name of the person that you dealt with : I have contacted customer care twice with no response. 


Describe your complaint and the events in the order they happened, including specific dates and the activities or practices to which you object. 



1. I purchased XXXX dollars worth of crypto currency. 

2. I created a transfer request of said currency to another of my accounts. 

3. Transfer was updated to complete within a few minutes but was never actually processed. 

4. This same transfer is now 2 weeks old and still does not show up as actually processed. 


What do you think would be a fair resolution to this matter? 



Considering the volatility of the market and ability for me to invest said XXXX dollars, I can only say a fair resolution is becoming hard to calculate. Originally returning my XXXX would have been more than sufficient but after a week I missed a trade interest with a 15 % return. At that point I was satisfied with XXXX. However now another week has passed and a second interest trade has increased exponentially causing me to miss a 100 % + return. Considering the companies ability to take your money in seconds but requiring two weeks to never respond, I feel it only fair they recover me {$200.00} for the missed trades and time. 


Attach any appropriate files to support your case to this e-mail message before sending. 


1. Gemini 's portfolio claiming the trade being sent as well as the initial XXXX dollar investment. 


2. A screenshot from my other trading app from this last few days showing my second major trade interest at a positive 115 %. Mind you an hour earlier this same day the amount was at 150 % though I have no screenshot to provide proof. 


Consent to Release Information - The information provided may be used in efforts to resolve my problem and may be shared with the party complained against. The Department may seek additional information from businesses and I authorize the disclosure of applicable documents to the Department, including those protected by laws such as HIPAA. I understand any information may be subject to open records laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: TX
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 letter shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
For the record, the following information is being erroneously included on my credit report. If you do not immediately remove this fraudulent and incomplete information, I will file a formal complaint with the CFPB. Furthermore, I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. 

Incorrect Address : XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$460.00} XXXXXXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$1800.00} Inquiry : XXXX XXXX, XXXX XXXX, XXXX Please block this fraudulent information per sections, 615 ( f ) and 623 ( a ) ( 6 ) 15 U.S.C 1681 section 602 A of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my Credit File under federal law ; you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2022-12-16
Company: Experian Information Solutions Inc.
State: PA
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 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 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 XXXX 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
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: NY
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:
All 6 accounts for my federal student loans with DEPT OF ED/XXXX are now closed with a {$0.00} balance as they have been refinanced with the Department of Education to DEPT OF ED/XXXX XXXX. My credit report needs to accurately reflect this updated status as of XX/XX/2020.

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 2023-08-06
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a bank account at Suntrust, now Truist Bank, which was closed and the funds frozen, where at the time the account was frozen it had a balance of at least {$79000.00}. Said account was closed by unilateral decision of the Bank on XX/XX/2021 and I was notified by communication of that date indicating that the Fraud Department in a standard review determined that it was necessary to close the account, they do not indicate the cause, reason or circumstance for your decision to close the account. 

At the time of closing the account, the balance was {$79000.00}, an amount that after more than 23 months has not been delivered or returned. I have had several discussions with your Fraud and Customer Service Departments, in an attempt to access the funds, all of which were unsuccessful. 

With the little information that they have provided me, I can not find a legal basis that allows the Bank to freeze the funds improperly and indefinitely without even giving a formal explanation. 

I have consulted with an Attorney who has told me that withholding and not accessing funds may constitute civil theft, misappropriation, unjust enrichment and unfair trade practices, and violations of other state and federal laws.

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 2023-09-26
Company: Experian Information Solutions Inc.
State: FL
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:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-10-18
Company: EQUIFAX, INC.
State: CT
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 : DPT EDXXXX 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 2023-10-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2023, I made a payment of {$220.00} on the credit card XXXX XXXX XXXX XXXX mastercard issued by XXXX. The payment amount was already deducted from my checking account as of Monday XX/XX/XXXX. Today, XX/XX/XXXX, the payment is still not posted to my account and is not included in my credit limit and still shows processing since XX/XX/XXXX. My credit limit is only {$1300.00} with current balance showing {$140.00} and with available amount to spend of {$920.00}. I had a credit card account with XXXX XXXX issued by XXXX in the past and i closed it out. I reapplied and was given this new one with {$1300.00} credit limit. In the past, when I schedule a payment the day before my due date, the funds is deducted from my checking account on the due date and and the payment is posted immediately. That is not the case this time. It feels like XXXX XXXX XXXX issued by Synchrony Bank retaliated against me for closing my account in the past. Now the payment made on the XXXX of XXXX is still not posted. It looks like XXXX XXXX XXXX is doing this on purpose so it will appear that payment is made late and late payment charge will incur. I have good credit and i don't want this to affect my credit negatively. The fact that i was approved for this credit card the XXXX time was because i paid my bills on time each time and never late on payments with the previous credit card I closed. never late.

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