BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
Company: Netspend Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Dispute payment XXXX XXXXXXXX XXXX in amount {$100.00}.

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 explanation
Consumer complaint received 2023-03-11
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2023, National Credit placed a collection on my credit reports after the Original Creditor XXXX XXXX had charged off the account. I was never aware of a new open collection on my credit reports until I was denied credit. I found out that National Credit had bought the debt and never notified me of the facts. I sent a certified letter to the letting them know of their violation and to remove their collection account off my credit reports. But to date I got no reply and the collection account remains on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 wire fraud occurred with our checking account. We immediately notified Wells Fargo this was fraud and to stop the wires. Notification took place via the phone as well as in the local branch in XXXX, Iowa. Wells Fargo took no action and proceeded to allow the wires to occur and funds to be withdrawn from our account. 

We have asked Wells Fargo to provide information regarding the notification, multi-factor authentication and any other notification that was give to us indicating we authorized these funds to be withdrawn. No information has been provided by Wells Fargo and we have been unable to speak with a representative of Wells Fargo even though we have attempted to contact a representative on multiple occasions. 

We need information showing authorization by us of funds to be withdrawn from our checking account. We ask that Wells Fargo provide this information in addition to speaking with us regarding the transactions.

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: Experian Information Solutions Inc.
State: GA
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 have Violated my Federal Protected Consumer Rights to Privacy and Confidentiality under 15 u.s.c.1681 Portfolio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A States i have the rights 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 instruction 15 U.S.C. 1681 ( 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was told that when I opened my account I would received {$200.00} bonus. An I never received it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX  Dear TransUnion I notice that theres information thats on my consumer report that is a result of identity theft. I didnt not provide written permission or instruction for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
Please be advised that my request to block isnt being made in error ; not is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transitions. The identified transactions are not information related to any transaction by me as 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 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your diligent assistance and immediate response. 

I DO NOT CONSENT TO E-OSCAR VERIFICATION!! 
** Reminder its against the law to use the furnisher to verify any information. 15usc 1692 FDCPA ). You must conduct a personal interview. 
Thank you! 

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2021-06-09
Company: Accurate Background
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
When I applied at XXXX they did a 10 year background check. 90 % of what came back is XXXX  belonging to someone else. This person used my name years when he got pulled over and now I am stuck with his background. It's keeping me from getting a driver 's license, and passing a background check. I am mortified. His name is XXXX XXXX. Please help. Any more questions please call me XXXX. Thank you! 

Sincerely, XXXX XXXX PS. I uploaded the background check near the bottom of this page. All if it is false except two XXXX from XXXX County. And one XXXX charge from nearly ten years ago. That's three total. The rest belongs to XXXX XXXX only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
For the past year, my family members and I keep getting phone calls from a man who claims to be a server. He will leave voicemails on our phones looking for me, saying he is on his way to my home or employment to serve me papers for XXXX County for a debt I owe. He then will leave an XXXX number ( number changes each time but its the same man/company ) to call to fix the matter. When I try to call his actual number itself that he calls from, it claims that its an internet number, so he calls from a fake internet number each time. So then Ill proceed to call the XXXX number and someone will answer the phone with just Hello this is so and so but they dont tell me the company name when they answer. So then Ill ask what Company is this? And they will say XXXX. And I said XXXX what? And they say XXXX XXXX. So then Ill give them my name and they claim I owe a payday loan from 2015 that I have never heard of and say if I pay the amount due right now that they will cancel the court papers being served and it will also save me money because if they take me to court, they will tack on more fees etc. I then tell them how am I going to pay yall money for something I dont owe or even heard of. So I tell them to stop calling me and have someone come to my home to serve me then if thats what they are going to do. So then they say okay and then I dont hear anything about it from them for months. And then they will call me and my family again months later and restart the entire process over again ... and there has been one time where I call the XXXX number again like Im told to do in the voicemail..and the person who answered was the same voiced man of the guy who called me one time saying he is a server and he will come to my home. I remember asking him ... um arent you the person who said they were going to serve me? So you work for this company? And he acted like he had no idea what I was talking about that I was mistaking him for someone else but he has a very distinct voice..it was definitely him. So this fake company is also pretending to be servers and using fake internet numbers to call first and then directing us to call their XXXX number acting like they arent correlated with each other. Im getting fed up with this because this has been the fourth time over the past year they have done this. Its embarrassing because they will call family members that are associated with me that I barely talk to. They even called my Ex husband and I had him calling me asking if Im in trouble with the law ... its embarrassing and it needs to stop. I continue to tell them every time they do this to stop contacting me and my family and they are still doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
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:
XXXX dispute results : Report Number XXXX, on XXXX verified and validated that the day of first delinquency was XX/XX/XXXX for my Fifth Third Bank Credit card. XXXX XXXX XXXX CREDIT FILE : XX/XX/XXXX Confirmation # XXXX, verified and validated that my Fifth Third Bank Cred Card account XXXX Fifth Third Bank re-aging the account by reporting the incorrect date of first delinquency. 

Now two years later they have move up the day of first delinquency to XX/XX/XXXX. This is incorrect information and both credit reporting agencies and Fifth Third Bank refused to investigate properly and correct the erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Experian Information Solutions 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:
XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: FL
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
1 XXXX XXXX affiliated with XXXX has removed XXXX points for decrease payments explanation. 
2.XXXX XXXX associated with XXXX Remove XXXX point which is not substantiated. I reached out to XXXX XXXX and never got any answers. 
3. XXXX XXXX XXXX reporting accounts with a no explanation but saying XXXX XXXX has information update no update. These accounts must be removed 4. XXXX XXXX associated with XXXX have not follow the FCRA by removing accounts ordered by creditors who so the said accounts to multiple collection agencies that did not report the said accounts were paid with XXXX balance keeping my accounts in the negative and crippling my financial growth and credit. This is unfair. XXXX XXXX associated with XXXX has not corrected my credit profile. I am considering legal assistance if this issue can not be corrected. 
5. I have requested that the points be added back 6. XXXX  XXXX took XXXX point from Transunion on a credit card that I don't have. How can points be deducted if I don't have credit cards.

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 2023-05-26
Company: Experian Information Solutions Inc.
State: NJ
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 submitted a complaint again XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2021-05-10
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I filed this complaint ( below ) in XX/XX/XXXX and in it was still pending at the end of XX/XX/XXXX. I recently just checked in on it and saw that they finally answered it in XXXX. I am responding in a more timely manner, and my complaint has already been closed. I read the response and it didnt give me any useful information on how to get my money back. 
I was unaware of some of the funds sent to me. I did receive 3 checks, {$17.00}, {$26.00} and l believe one for {$1200.00} and some change.

In my previous complaint, I did not note that I simply did not receive the checks that were endorsed to someone else, or the checks that have not been cashed. Someone intercepted them in transit. While the representative stated that Netspend cant reissue checks, I would have to argue that they have a responsibility to make sure that my money gets to me when you are closing my account without my knowledge. Had I been given the option, I would have just transferred funds to my bank. It is a HORRIBLE thing to have my own money being thrown around without my knowledge or consent. 
Also, in regards to being send an affidavit, I never received it. 
I did receive 6-7 new cards with my name which remain inactive. 


Previous complaint ... 


I have had a couple of net spend accounts for approximately 6 months. I was notified in XX/XX/XXXX that they had been closed due to suspected fraudulent activity. I was told that I would receive closure checks for the money that was in each account. Any open disputes that were found in my favor would be sent in separate mailings. After a couple of weeks I contacted them and advised that I had not received any payouts and I was advised one one call that they were on the way and on another call one check for XXXX had been cashed. I was sent a photocopy of a check but never received the real one. I'm told aside from the cashed check there are 2 others totaling XXXX and XXXX that were sent and are outstanding. Net spend says they can not reissue them.

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 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX  XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Constant stall tactics by TransUnion, XXXX credit bureaus.

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 2021-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Multiple hard inquiries with no permissible purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: VA
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 have tirelessly disputed the two inaccurate bankruptcies to no avail thus far with Experian. Consequently it is causing me tremendous punitive damages, emotional destress, and financial setbacks, conversely causing me to miss out on countless opportunities to reestablish my credit standing and build my new business. 

Attached are supporting documents from XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX and XXXX for your immediate review- which corroborates my many unsuccessful attempts/disputes.

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 2023-05-26
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a card with net spend bank and added {$300.00} onto it. Net spend Then said Im not allowed to have an account with them and they will mail me a check with my balance. The check never came and they refuse to issue another one. No routing number was given it was sent with regular mail usps.

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