BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-23
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Ive been with Netspend for many years going into my mid XXXX I have noticed for the last couple of years of XXXX and XXXX they will hold your money XXXX. 

Their advertising says two days before payday this is not true for customers that have been with them over the years falsely advertising. Its seems as they change banks its different rules. I have a dispute were I was scammed into paying someone {$150.00} by cash app for service, I got their names all phones numbers and receipts and social media handles that was on XX/XX/XXXX that I officially reported it also did a report to the state. 

It is XX/XX/XXXX XXXX XXXX  1 day before my direct deposit from my employer and I cant even get that. But its get paid two days before payday again false advertising. 

I have been pleading with Netspend to at least give a provisional credit until the investigation is over they will not budge. Save your self a headache and just deal with regular banks at least you know your deposit is on time. Dont schedule bill payments based off their promise of early deposits. 

No need to recommend I reach out to you Netspend I did all of that through email, account and phone.

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 2022-06-06
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: TX
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:
XX/XX/2022 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer portion thereof in which information on consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

According to : 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.

According to : 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 2022-06-23
Company: EQUIFAX, INC.
State: OK
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:
Equifax has willfully violated my rights as a consumer numerous times. 

Pursuant to 15 USC 1681 ( a ) 1 The banking system is dependent on my Consumer report being fair and accurate. After reviewing my consumer report, I realized that my report was inaccurate and therefore unfair and has adversely affected my credit worthiness. I was never notified when this inaccurate information was furnished and I was never notified during the company 's initial investigation that this information was going to be reported. Equifax 's continuous negligence and grave lack of integrity has diminished my confidence in this company 's procedures. 


Pursuant to 15 USC 1681 ( a ) ( 3 ) Equifax assumed this role and was not given permission by me, the consumer, or a competent court of jurisdiction. So, not only did this company fail to initially investigate the information as required by law, but also assumed that the information was valid, which is another violation of my rights ( Pursuant to 15 USC 1681 ( a ) ( 4 ). Equifax states on its website that, " great care has been taken to report this information. Please help us in acheiving even greater accuracy by reviewing all the the enclosed material carefully '' yet, has shown impartiality by only considering one side of the story and that has resulted in my privacy being breached and a violation to my right to privacy. 

Pursuant to 15 USC 1681 ( a ) ( d ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. These alleged transactions that are reporting and were failed to be properly investigated as to whether or not they actually took place between the consumer and the person making the report. Which means that it should not be included in my consumer report and is in fact a violation of my rights. 

Pursuant to 15 USC 1681 ( a ) ( d ) ( 2 ) ( A ) ( iii ) In the initial investigation I was never given the opportunity to deny the information being communicated on my consumer report.Most recently there has been an influx of abuse with negative and inaccurate information ( example attached, Exhibit H ) and unauthorized hard inquiries furnished that has caused me mental anguish, ruined my reputation and limited and certain opportunities. 

Pursuant to 15 USC 1681a ( B ) ANY authorization of a specific extension of credit card or similar device should be excluded from my consumer report. This alleged that Equifax clearly did not investigate categorized as a transaction that was issued from a credit card as defined under 15 USC 1602 ( l ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My synchrony verizon visa card was closed. Creditor reason was the way i handled my account indicated a greater instance of delinquency. My account has always been laid in full every month and on time for the whole time my account has been open which has been over 1.5 years. All of my credit accounts are paid in full every month and on time. 
I requested credit increase on card on several occasions to raise credit score. All information was factual

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 2022-06-23
Company: Experian Information Solutions Inc.
State: CA
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 Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, US DEPT ED Account # XXXX, DEPTEDXXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: CA
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 # XXXX, Account # 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 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 2022-08-21
Company: EQUIFAX, 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:
My rights as a consumer and original creditor has been violated due to the improper use of my consumer report. Im unable to obtain any type of financial assistance due to this.

According to the FCRA 15 USC 1681a ( 2 ) exclusions stating the consumer report does not report containing information solely as to transactions or experiences between the consumer and the person making the report ; All the collection accounts have late payments that continuously keep reporting, along with a balance. Ive recently filed a complaint, it was completed but no items have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: EQUIFAX, INC.
State: CA
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:
I am a natural person, I am a living human being, I have the rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 


Accounts : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: EQUIFAX, INC.
State: DE
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have opened a checking account on XX/XX/XXXX based on promotion to receive {$500.00} bonus. I have fulfilled all the requirements for the bonus. According to the promotion the bonus was supposed to be in the account on XX/XX/XXXX. However, nothing was deposited. I went to the branch several times and opened a case # XXXX on XX/XX/XXXX at the branch. At the branch I was told that everything is in order in my account and that the case would be resolved in 5 business days. However, there is no resolution yet. The managers at the branch are neither returning my calls nor replying emails about the issue. Every time I call the main number for the bank I am told to wait longer.

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 monetary relief
Consumer complaint received 2022-06-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2021 I had won a jackpot of XXXX at XXXX XXXX XXXX XXXX on the wheel of fortune. The Jackpot payee was XXXX ( XXXX XXXX XXXX ) I had been offered with XXXX annuity payments for the next 20 years or I was offered the lump sum payment of XXXX I had taken the lump sum payment but when XXXX had submitted payment they had submitted it to the wrong account an account I did not own or have any access too the account was a chase bank account I had informed XXXX that I hadn't received my money and that something must be wrong and when I had informed XXXX they immediately submitted an ACH reversal due to it being fraudulent but chase bank denied the reversal due to NSF which is not right nor is it my problem because the money was fraudulently sent to the wrong account and chase was informed of the fraud so NSF shouldn't matter it was never supposed to be deposited in the account I have tried to resolve this once before but Chase never held up their end of the deal which was to reverse the original funds back to XXXX so they could pay me what I am intitled to since I won it and am being taxed on it yet I never received

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have recently received a copy of my credit report ( copy attached ) and noticed an item being reported by ARS ACCOUNT RESOLUTION ... .... {$57.00} After reviewing, I sent notice ( copy attached ) requesting proof of me authorizing release of my medical records to them under HEALTH INSURANCE PORTABILITY ACT. I have not gotten any response from ARS ACCOUNT RESOLUTION and my most recent credit report shows that they continue to report this item in clear violation of HIPAA. I am allowed to protect my medical records from third parties and I do not recall giving my permission to 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 2022-06-23
Company: Consumer Adjustment Company Incorporated
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: Old information reappears or never goes away

Complaint:
Since XX/XX/2022 I have sent XXXX multiple disputes questioning the certifiable compliance of an account on my Credit report called Consumer Adj, Account # XXXX and XXXX. Both of the original accounts were deleted and then added with all of the same information except the date opened. I continued to dispute sending another compliance dispute letter on XX/XX/2022. I just reviewed my credit report and both accounts have been added yet again with a open date of XX/XX/2022. So now I have the original two Consumer Adj accounts deleted, and two duplicates of each account reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
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 called your department after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and Form 1040 for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX CT XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX CT XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$64000.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130000.00}.

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 2022-06-23
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
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:
In accordance with the Fair Credit Reporting Act, Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 an 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