BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXXXXXX XXXX  XXXX Date Opened : XX/XX/2007 Balance : {$0.00}

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 2022-11-06
Company: EQUIFAX, INC.
State: CA
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:
In Accordance with the Fair Credit Reporting Act the following accounts have violated my right. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As stated in 15 U.S.C 1681 Section 602 A, it states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My ID and debit card were stolen. After being stolen, the thief deposited a fraud check into my bank account, after depositing the fraud check, the person then had access to view my balance. They then went to multiple retail stores making large purchases back to back. I disputed this with my bank ( State Employees Credit Union ) who denied my dispute stating that this wasnt a viable fraud claim. State employees did not do a thorough investigation if they had then they would know this is fraud. They failed to verify my identity when the thief went to the bank with my ID and was allowed to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Netspend Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
to the company NETSPEND XXXX XXXX ; I received a card in the mail to my home address. I did not apply for this netspendXXXX XXXX. Nor it is my name.

Your ( NETSPEND ) customer service is frighteningly not assuring that there are no other accounts associated with my address and under any other fraudsters.

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 2023-11-22
Company: EQUIFAX, INC.
State: GA
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:
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.

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: In progress
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
As of XX/XX/2023, XXXX and TransUnion continue to report inaccurate items and accounts on my report. These accounts are not my accounts. I have disputed this information but XXXX has not sent me any documentation showing me how the accounts were verified These accounts have the wrong name and are not mine. I now have obtained legal counsel and have been advised to file another complaint for the record with attached documents that were received by XXXX on XX/XX/2023 via USPS certified mail. XXXX is now saying that I don't have enough credit to produce a " FICO '' score but still show these accounts on my report. XXXX also still displays inaccurate names and addresses on my report, despite being sent the proper information several times.

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 2023-10-30
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a phone account open with XXXX phone company some years back. I did a trade in to switch over with XXXX XXXX XXXX. I returned the XXXX phone back through the mail to get my trade in credits with XXXX XXXX XXXX XXXX told me they would close the phone account because I no longer had the phone in my possession, after I sent the trade in back through the mail, They never closed the account and charged it as a debt collector on my credit report with inaccurate information without any of my consent or notification what so ever.I never new it was on my credit report & I want it off my credit report and they gave me a balance of {$250.00} dollars. I payed {$51.00} dollars on the collection. But I want to know if theyre goin to delete it off my report. I tried disputing it through the company and XXXX XXXX. The account was opened XXXX XXXX. Last reported XXXX XXXX. The balance left is {$200.00}. Can you help me please Im looking to start a business and it wont be a good look for lenders. Thanks a lot!

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 2022-10-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I sent a request for validation to the debt collector ( XXXX XXXX XXXX ). On XX/XX/XXXX they sent me a failed debt validation. The letter they sent was written in Spanish which I do not speak and I have never sent any communications written in Spanish. So assume this was a delay tactic used so that I would not understand that this is an incomplete validation. The letter was missing a few points of key information such as my signature on a contract or official document stating I am the bearer of the debt. How much was paid to acquire the debt. They have also not provided whether XXXX XXXX XXXX are licensed in my state and if so provide the date of the license, name on the license, license number, and the name, address, and telephone number of the state agency issuing the license. If XXXX are contacting me from outside my state, provide the licensing information from your state as well. If this information is not provided to me by XX/XX/XXXX which is the deadline to the 30 day validation window then I would like Experian to take the collection off my credit report as is my right under the Far Debt Collection Practices Act. ( FDCPA )

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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Good morning, when I checked my latest credit report I found some discrepancies, I would like you to remove those discrepancies and lock my credit profile, please. 

Accounts : XXXX ) XXXX XXXX XXXX  opened XX/XX/XXXX this account is too old to remain in my report. 
XXXX ) XXXX XXXX opened XX/XX/XXXX I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXXXXXX opened XX/XX/XXXX I have no idea where this account came from and it does not belong to me. 
XXXX XXXX XXXX XXXX opened XX/XX/XXXX ( second account ) I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXXXXXX opened XX/XX/XXXX ( third account ) I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXXXXXX opened XX/XX/XXXX ( fourth account ) I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXXXXXX opened XX/XX/XXXX ( fifth account ) I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXXXXXX opened XX/XX/XXXX I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX  XXXX opened XX/XX/XXXX I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXX  opened XX/XX/XXXX I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXX opened XX/XX/XXXX I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXX  opened XX/XX/XXXX I have no idea where this account came from and it does not belong to me. 
XXXX ) XXXX XXXX  opened XX/XX/XXXX I have no idea where this account came from and it does not belong to me. 


Addresses : Please delete addresses below XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Credit Inquiries which I dont recognize : XXXX ) XXXX from : XX/XX/XXXX XXXX ) XXXX XXXX from XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXXXXXX FROM : XX/XX/XXXX XXXX ) XXXX XXXX XXXX FROM : XX/XX/XXXX XXXX ) XXXX XXXXXXXX XXXX  FROM : XX/XX/XXXX XXXX ) XXXX XXXX XXXXK FROM : XX/XX/XXXX XXXX ) XXXX XXXX XXXX  FROM : XX/XX/XXXX XXXX ) XXXX XXXX from : XX/XX/XXXX XXXX ) XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-06-20
Company: TRUIST FINANCIAL CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I live in XXXX. Due to the fact that I had a XXXX on the one hand, and the XXXX  situation on the other hand, it appears very unlikely that I shall be visiting the US in the near future. I therefore requested my bank in America ( Suntrust, now Truist ) to close my account and transfer the balance to my bank account in XXXX. The current balance ( as of today ) is US {$8.00}. 

I wrote to the bank on - XXXX XX/XX/2021 ( letter ) - XXXX XX/XX/2021 ( letter ) - XXXX XX/XX/2021 ( letter ) - XXXX XX/XX/2021 ( email ) - XXXX XX/XX/2021 ( email ) - XXXX XX/XX/2021 ( email ) - XXXX XX/XX/2021 ( letter ) I received a letter ( dated XXXX XX/XX/2021 ) from Suntrust on XXXX XX/XX/2021, stating that " We are unable to transfer funds to another financial institution ''. [ The comment of my banker in XXXX was " What nonsense, a transfer of funds is alwas to a financial institution! " ]. 

My account has still not been closed, the funds have still not been transferred and I have not heard anything more from Suntrust/Truist. 

A copy of the correspondence is attached. I have really tried my best. Any help from you would be much appreciated. 

Yours sincerely

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 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These public records should also be removed. 
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 2023-09-03
Company: TOP FLITE FINANCIAL INC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
We were supposed to close on XXXX. We, the buyers, scrambled to close our house on XX/XX/31. We got all the information they requested and were ready to close on the house we were buying on XXXX. Suddenly the loan officer was being difficult, and the underwriters as well. They were not counting my wifes XXXX new jobs in the same career shes been in the last XXXX years. ( We moving across country from NY to Wa in an RV with XXXX dogs and XXXX cats ). We needed to close on XXXX and there was no reason we couldnt except the mortgage company did not prepare, according to the loan officer himself. He texted me blaming one of his team members. We were prepared, they were not, causing undue stress and monetary loses. I have a screenshot of his admission. I have multiple other complaints but not sure they apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I requested {$7.00} to borrow from my brother on Venmo. 

My brother sent it to me. 

I had an outstanding Venmo Credit Card fee due. 

Venmo automatically charged {$7.00} when they saw cash. 

Transaction ending in XXXX. 


I just won a $ XXXX {$9.00} XXXX default judgment against the XXXX XXXX XXXX  XXXX from The Honorable Judge XXXX XXXX in the State of Mississippi XXXX XXXX for XXXX XXXX XXXX No. XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). As I believe that this will cause me some inconveniences in my futures credit transaction, I would like this to be taken care of.

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 2023-11-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX. I got a call from chase bank saying there was suspicious activity going on in my account. Which there was. I was a new customer only been with them since XXXX. So I didnt know what their policies were. The days go by and I find out that all my money is gone. I tried and tried with every department but they just ended up calling me XXXX basically and said that the money was long gone. I wasnt able to get a reimbursement. Just a Im sorry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
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. 

Account name : # XXXX XXXX XXXX XXXXXXXX, 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 1681.c ( a ) ( 5 ) Section States : no consumer reporting agency may make consumer reporting containing any of the following items of information. Any other adverse item of information, others than records of convictions of crimes which antedates the reports by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or 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 2023-01-19
Company: Meridian Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Collection agency Meridian Financial Services XXXX NC reported a delinquent account XXXX on XX/XX/XXXX to XXXX  This is a time barred debt. Last payment on this account was in XXXX. Meridian has furnished a re-aged account to the CA 's and is in violation of the FDCPA. 
The debt is not accurate and I have disputed the account with XXXX / XXXX but both CA 's and Meridian falsely certified on that their reporting is accurate. 

I have sent Meridian a letter disputing the account but they did not respond. I expect Meridian to provide validation documentation which must include an account or written contract or agreement and record of payments history. 

This is a violation of my FCRA rights. This debt reported to XXXX / XXXX should 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 explanation
Consumer complaint received 2022-10-12
Company: Genesis FS Card Services, Inc.
State: OH
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 this creditor has violated my rights under 15 usc 1681 section 602 states I have the rights to privacy 15 usc 1681 section 604 A section 2 it also states a comsumer reporting agency can not furnish my account without my written instructions. Under 15 usc 1666 B a creditor may not treat a payment on a credit card account under and open consumer credit plan as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am aware of the Wells Fargo lawsuit and have had two separate accounts since 2010. I wanted to check in and see if any money is due back 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 explanation
Consumer complaint received 2023-05-18
Company: Helvey & Associates, Inc., Warsaw, IN Branch
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have attached a debt verification letter that needs to be responded to by the collections company associated with this debt, with specific details about this collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: MoneyLion Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I obtained an creditbuilder loan from MoneyLion.com XX/XX/2020 which I paid off in full XX/XX/2020 in the amount of {$500.00}. The loan consisted of me being approved for {$500.00}, but only able to receive {$120.00} due to {$370.00} being held in escrow until the initial {$500.00} is paid back. then theyre suppose to release the {$370.00} credit reserve account immediately after loan is repaid into my MoneyLion checking account on XX/XX/2020. This did not happen because they stated my MoneyLion membership was suspended due to me owing {$9.00}, so that means they still get to hold my funds and not release them until the membership fees are paid. This is not right when membership fees can be deducted from funds which they already have that fully belongs to me. This is a stall tactic and these people need to be penalized and not able to perform these types of business practices in the USA without providing fair and legal protocols. They told me I still wouldnt have access to my funds until 5 business days after membership payment is paid, and another 5 business days until funds would appear in my checking account. This is totally unacceptable a stall tactic in order for these XXXX  people to take extra funds from me in regards to membership fees in the amount of {$9.00} every 2 weeks until the membership is canceled. They need to be stopped and put under a microscope by proper authorities. Please check reviews from other customers online about these people

Company response to consumer: Closed with monetary relief