BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
Company: MoneyLion Inc.
State: MD
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:
I was charged by different " companies '' so i called to ask for an investigation of fraud into the charges made by each company individually. I made sure to explain that it was 4 different " companies '' that had been charging me This should have been put in as 4 different investigations but the customer care representative that helped me put it in as one joint investigation saying that it would be easier for the dispute team to work the case. One company charged me 2 times on XXXX XX/XX/2023 for {$.00} and then 3 times on XXXX XX/XX/XXXX for {$.00}. The next incident was by a second company who charged me 1 time on XXXX XX/XX/XXXX for {$1.00}. The second company then charged me 7 times on XXXX XX/XX/XXXX for a total of {$2.00}. The third company charged me 2 times on XXXX XX/XX/XXXX for a total of {$.00}. The fourth company is the one that i originally called about that took the most money. The fourth company charged me 1 times on XXXX XX/XX/XXXX for a total of {$.00}. They the charged me a total of 142 times on XXXX XX/XX/XXXX with charges at some points happening every second or even multiple in the same second for a total of {$340.00}. After their investigation they determined that the card was kept active more then 30 days based on company 1 charging me and then company 4 charging me. For company 1 yes that may be true so that investigation should have been closed. However company 2, 3 and 4 all charged me in XXXX and i called in the fraud dispute on XXXX XXXX XXXX. It stated that the card had kept on being reloaded which occurred on the XXXX of XXXX which was before companies 2,3 and 4 made their charges. They said it was a regular spending rate that the transactions were made in 25 days. However again had this been put in as seperate counts of fraud that all the main charges i was calling about were made in 8 days. from the XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. And finally the last reason they denied my claim of fraud was because the charges fit the spending pattern of XXXX XXXX. That just because they all had XXXX at the beginning of their names that they fit the spending pattern. In other words someone could charge me from XXXX XXXX XXXX would be something that fits my spending pattern when in fact that is untrue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14
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 , has violated my rights.

15 U.S.C 1681 section 602 A. State I have the right to privacy.

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

15 U.S.C 166b A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any reason

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 2023-02-22
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 Account CHILDSUPPORT, 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 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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/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 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 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 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 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 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 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 non-monetary relief
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
According to my research about FCRA 605, CREDIT BUREAU are required by law to remove & block any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : 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 non-monetary relief
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: TX
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:
I have no knowledge of the mentioned inquiries, and I respectfully urge you to deal with this matter promptly. I have enclosed supporting documents for your reference. Kindly conduct an investigation into the matter and take suitable actions for its resolution.

Company response to consumer: In progress
Consumer complaint received 2022-11-29
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:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been 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 non-monetary relief
Consumer complaint received 2017-08-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I initiated a dispute about a charge I made that needed to be reversed on XX/XX/XXXX. Since then I have completed the Chase dispute form and together sent with the form all the requested documentation, including names and numbers at the merchant. This hard copy information was sent over night and signed for on XX/XX/XXXX. As early as XX/XX/XXXX emailed the concern and attached all required documentation via a secure email at Chase. As of XX/XX/XXXX I have spoken to 13 Chase agents, including 2 at the Executive Office of the President. I have nine emails sent via the Chase secure email system and screen shots acknowledging each and every one of the emails. The response each day is " We will respond to your message in 24 hours. '' I have not received promised responses. I have been told I can not talk to a manager about my dispute. The disputed charge is significant {$2400.00}, and occurred on XX/XX/XXXX. On XX/XX/XXXX, the moment I realized the charge was an overpayment I reached out, yet I sit here today, with no resolution and no confirmation of how this is going to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: FREEDOM FINANCIAL NETWORK
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have attempted to verify claims by XXXX XXXX that I owe XXXX to them. XXXX had a very threatening attorney, XXXX XXXX XXXX XXXX XXXX call me repeatedly over the course of 7 months. I have not entered into contract with XXXX XXXX or XXXX XXXX XXXX XXXX XXXX and do not plan to. I called the attorney office back that threatened me because i was afraid of legal action based on their aggressive calling and leaving voicemails. I was finally able to verify the debt on XX/XX/2022, which is from Freedom Financial Asset Mgmt. The original documentation clearly shows that the " debt relief '' program was supposed to be at an annual 16.99 % yet my signature was electronically signed to a 19.38 % which I do not have any record of until my request. The first page of the Freedom Plus Loan Agreement is the only page that was presented to me which displays the 16.99 % as agreed. This was a deceptive practice and caused the payment to be outside of ability to pay based on our debt to income at the time, and currently is about 46 % today. I have attempted to contact Freedom to resolve the matter, but no response just threats from attorney 's office and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX, to remove : XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX These addresses are Unkown to Ive already included this in my previous Complaint & I am including it again.

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 2023-10-19
Company: Chime Financial Inc
State: AL
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:
XX/XX/13 my Chime bank account was hacked or scammed! The thieves stole {$550.00} from my account leaving me penniless! I called Chime opened a dispute and two days later they said that they didn't find any fraudulent activity I said I was in Alabama the transactions happened in a totally different state! They said sorry nothing we can do we don't see anything wrong! They did this twice

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX CONSUMER REPORT VIOLATIONS ON XXXX ACCOUNT WITH TRANSUNION ; 3RD ACCOUNT : TRANSUNION HAS BEEN VIOLATING MY CONSUMER REPORT UNDER 603 15 U.S.C. 1681a ( 2 ). MULTIPLE ACCOUNTS WITH TRANSUNION ARE SUFFERING THESE VIOLATIONS WHICH HAS INJURED THE CONSUMER. PLEASES SEE ATTACHED.

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 2023-02-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX, to remove : XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX These addresses are Unkown to Ive already included this in my previous Complaint & I am including it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on 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

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 2023-03-14
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX Balance Owed : {$1300.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2023-05-26
Company: I.C. System, 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:
There are multiple accounts & inquiries opened and being reported on my credit report that do not belong to me. I have took the necessary steps to contact these companies & the credit bureaus to advise that whats being reported is fraud & not accurate. I have made several attempts in disputing all inaccurate information being reported on my credit but there has been no resolve. I filed a police report regarding this matter in XXXX of 2022, I requested alerts be put in place on my credit as an extra layer of protection yet that didnt work either. This has affected my credit & score tremendously & i am now choosing to escalate this matter in hopes of it getting resolved right away.

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 2023-07-15
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A fraudulent charge was put on my account. I reported it the next day. Agent credited the charge, closed the account, opened a new one and then debited the charge again on new account. I called over 30 times and filed a complaint with you. They provided an invalid response, and credited an XXXX charge from XXXX which was not part of my complaint at all. That XXXX charge was reversed by XXXX and did not need crediting back to my account. This is another example of the fraud or incompetence going on with this bank. 

The letter I received in response to my complaint states the second account will remain open until the fraud charge investigation is resolved. It has been 4 months. How long do you allow a bank to take to resolve a fraudulent charge. They sent me a copy of a letter I never received from them, saying I would not be responsible for the fraudulent charge while it is being investigate, but they are placing late fees, collection calls and interest on the remaining balance. Clearly, this ageny wasn't able to help me and I am sure there are many little people out there who are being robbed by this bank, just like me. To protect my credit, I had to pay the balance I don't owe. 

I want to know what is the resolution to Truist Case # XXXX and why I am being charge finance charges and late fees which must be credited when this is resolved. This claims is over almost 150 days old. What is the law regarding consumer disputes and failure to respond by credit card companies? 

I also want to know why they credited {$34.00} to my account for Truist Case # XXXX, when XXXX had already realized the duplicate charges and reversed their own charge. They didn't bother to even look at the account, they just returned the {$34.00} without any investigation. However, the other is pending 150- days. Now, Truist owes money to XXXX as well.

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 2023-10-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 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. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

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