BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-18
Company: I.C. System, 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:
When checking my annual credit report ( for the first time ) I seen 2 collections on my report for services I did not authorize. 
I filed a complaint with XXXX  regarding the following : Report Number : XXXX Date Generated Results : XX/XX/XXXX I C SYSTEM INC Account XXXX Many years ago I had my identity used by a former roommate. After I had moved out of an apartment we were sharing, I found out later, he had put the utilities and cable in my name. 

How I believe he took my information was we had went to the movies and after the show, I couldn't find my wallet. I thought someone pick-pocketed me, and stole it. I didn't have any credit cards ( I was just out of college ) or even a checking account, so I wasn't concerned at the time. 

Move forward months later, HIS dog, a golden retriever, was playing with something chewed up, and when I pulled it from her mouth, it was MY wallet. So I confronted my roommate, and he denied ever seeing it and accused ME of misplacing it. I brought up that I had paid for the movies that night the wallet came up missing with money from MY wallet, and how would I be of possession of something we both clearly looked for and alerted the movie manager. 

Needless to say, I moved and relocated closer to my family here in XXXX. 

Now that I found that he put the two accounts in my name, and left them in a delinquent status, I am once again being used by my former roommate. 

I tried to remove both these accounts, and the one listed above is the first one back with a [ denial ] response. 

Also what amplifies this matter is that the company above, in lieu of using the initial dates as previously reported, they moved the date of negative payment to THIS year. Is that legal? I'm sure if I didn't make an attempt to remove this, the charge would have fallen off soon, because I haven't lived in XXXX XXXX XXXX, Florida since XX/XX/XXXX. 

What, if anything, can you do to help me with this situation? 

Please advise. 
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 2018-07-10
Company: Experian Information Solutions Inc.
State: AR
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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I am once again ( 2nd time ) requesting that the following accounts be verified or deleted immediately. Please Provide Me Physical Verification of the  following accounts. 

XXXX XXXX  XXXX Account Number : XXXX XXXX/XXXX   XXXX Account Number : XXXX XXXX XXXX XXXX   XXXX Account Number : XXXX XXXX/XXXX XXXX Account Number : 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 2018-02-21
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was sent a solicitation to receive XXXX XXXX XXXX XXXX for signing up for the XXXX XXXX Citi card. I went online and applied for the card, there was a lock on my credit so I had to call back to get it unlocked. When I spoke with the person they approved the card and congratulated me on receiving XXXX bonus miles once I spent {$3000.00}. After several months of using the card and spending well over {$3000.00}, I was told that I did not qualify for the miles because I had closed a similar card less than 24 months before. I find this false advertising and bad business! When my credit was pulled they clearly could have seen that I closed the card within 24 months and either denied the card or let me know that I would not receive the miles!

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 2018-11-27
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiries on my credit report with both XXXX and Equifax were not authorized dated XX/XX/18. I have NO accounts with these financial companies. I did recently take out a loan with XXXX XXXX, XXXX, CA and did approve of that inquiry. I'm asking that these inquiries be removed from my reports. These have had a major negative impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
XXXX and Transunion will not remove this account that is over 7 years old the company say they have no control over how long it stay on my report then they say they dont even show me having an account with them. I want XXXX XXXX XXXX removed from my credit report

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 2018-06-15
Company: Experian Information Solutions 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:
I have disputed an XXXX XXXX account # XXXX. This account was a fraudulent account due to identity theft. I have file a police report and have mail it certified mail to XXXX. I have also called multiple times about this fraudulent account. They have remove the account initially, but now the account has later been reported back on my credit file.

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 2018-02-21
Company: Immediate Credit Recovery
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I received a Notice of Wage Withholding at 15 %. I have been trying to call the company for four days. Saturday, Monday, Tuesday and Wednesday. By Tuesday the number I was initially given to call, voicemail is full. I contacted the Dept of Ed to inquire and was told at the time that ICR 's main phone system was down and that if I dial the last four digits of XXXX instead of XXXX I will be able to reach them as that number ( XXXX ) is working. I called that number both Tuesday and Wednesday. It's the same message as the XXXX number but in a different voice, again, directing calls to voicemail ... and nobody returns them! I contacted the Dept of Ed again about the new number they provided to me and was told, " We don't have any other phone number to give you so just keep leaving messages. '' I made just XXXX above the poverty level of XXXX for 2017 and this year my hours have been cut by 5 a week. I was never notified by ICR about anything going to court so that my financial situation could even be considered and they don't even have a working phone number for consumers to contact them at to find out about any appeals or steps to take to dispute their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
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: Their investigation did not fix an error on your report

Complaint:
I review my credit report several times monthly. On XXXX, I reviewed my credit reports and saw that XXXX XXXX added a collections item to each of my credit reports. This dropped my credit score 30 points. The original creditor was XXXX. I do not have an account with XXXX. I never received any type of notification ( written or verbal ) from this company of an outstanding debt. I disputed these items to be removed from my credit reports but they were only updated to show the balance due as {$0.00}. I paid 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 2018-11-27
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Your case ID is : XXXX My name is XXXX XXXX and my account has been limited with {$430.00}. I was advised money held for 180 days, after which well send you an email with instructions about transferring your money. I have not received any emails. I tried withdrawing funds and it wouldn't allow the transfer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
A medical collection was added to my account. I never received a bill in regards to this. Also this violates HIPA. I contacted the collection agency and they stated that this would be removed and credit bureaus have failed to remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I received an email on XX/XX/2018 that my mailing address had been changed. I had not changed the address so I contacted Capital One where they informed me that a fraud alert had been placed on my card so a new card and number were issued and then the mailing address was changed so the new card would be sent to whoever was pretending to be me. Capital One handled this very well and changed everything back and put a fraud alert out for me with the credit bureaus. On XX/XX/2018 I received another email stating the same thing as before. The same person at the same mailing address had done the same thing that they had done on the XXXX. At this point Capital One put a restriction on my account so that they would have to contact me by phone before any changes could be made to my account. I was satisfied with this until XX/XX/2018 when I received a third email stating the same as the first two. A new card had been issued and the mailing address had been changed a third time and no one had tried to contact me as they said they would. When I called to change my information and report the problem I was told that because of the restriction I would need to submit several documents and it might take up to 72 hours before they could handle my requests, but they had obviously let someone else make the changes to my account with the restrictions in place. I was never able to make the changes to my account and canceled the entire account out of frustration. I also had to forfeit {$250.00} worth of rewards when I canceled because I had to have the restrictions lifted in order to use the points and I was not willing to let an identity thief have a card on my account for 72 hours while they approved my documents. I am extremely angry that I could not do anything with my account without all the documents they wanted, but they had obviously let an Identity Thief do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Wells Fargo is allocating my extra student loan payments in an improper and delayed manner, resulting in a substantially lower ( inaccurate ) decrease in outstanding balance. There have already been several lawsuits I read about regarding these issues with Wells Fargo. I have NEVER had a late payment and always pay extra payments on principal, in additional to my monthly payment. Below is a summary of recent concerning activity on my account : XX/XX/XXXX : overall loan balance ( includes several loans ) : {$52000.00} XX/XX/XXXX : {$400.00} extra loan payment made to one of the loans : {$360.00} applied to principal and {$39.00} applied to interest. No balance changes reflected on account several days later. 
XX/XX/XXXX : regular monthly minimal payment of {$580.00} made XX/XX/XXXX : overall loan balance : {$52000.00} Average interest rate for loans 8 %. I paid nearly {$1000.00} in a span of 7 days and the loan decreased by only {$260.00}. This is mathematically inaccurate. Bank is " investigating '' the issue, but has not been helpful in resolving.

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 2018-02-21
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received a letter from Sears MasterCard XXXX XXXX XXXXXXXX in XXXX XXXX, SD that I had applied for a Sears MasterCard and was denied due to being unable to verify my residence. I'm not sure if this is a scam originating from Sears or someone else, however I never applied for the card. The phone number appears to be to a private residence 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 non-monetary relief
Consumer complaint received 2018-11-27
Company: AMCOL Systems, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently ran my credit and found AMCOL on my report. Once again I had no knowledge of this debt!! I was never contacted by this company that is violating HIPAA Law! I never knew about this {$200.00} medical debt and now its in collections! Ive never signed any documents with AMCOL!! XXXX and XXXX has deleted but AMCOL is still reporting to XXXX!! Ive sent certified letters and no response! I want AMCOL removed from reporting inaccurate information on my credit!! I demand documentation with my signature showing I owe AMCOL this debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Reference ID : XXXX My name is XXXX XXXX and my account was limited {$420.00} I was advised Any money in my balance will be held for 180 days, after which an email with instructions about transferring your money. I haven't received any emails. I tried withdrawing funds and it will not allow it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11
Company: EQUIFAX, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 
XXXX  XXXX XXXX  XXXX {$15000.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX {$800.00} XXXX XXXX XXXX {$990.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
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: Credit inquiries on your report that you don't recognize

Complaint:
I applied on XX/XX/2020 for a car at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I was told that based on my credit at the time I would need to put more money down. I advised I would not be able to at the time. The dealership went on after I left to apply to several banks and finance companies without my permission on the same date. 
I did not give permission for them to submit my credit information to the following companies listed on my Transunion Credit Report : XXXX  XXXX  - XX/XX/2020 XXXX  XXXX - XX/XX/2020 XXXX - XX/XX/2020 I have reached out to this company and each of the companies listed on my credit report as well as disputed this with Transunion and they all advised me to contact XXXX XXXX XXXX who told me to contact the financers or banks and credit bureau to dispute. I am tired of going around in circles so I am filing a complaint to get these inquiries removed. I did not authorize anyone to run my credit more than once. I have been trying to get this cleared up for too long and this is affecting my credit negatively.

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 2018-05-17
Company: Experian Information Solutions 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:
I have submitted disputes with Experian, and XXXX XXXX, on multiple occasions and the bureaus keep reporting the account, XXXX XXXX # # XXXX as " correct, updated account. '' I filed a complaint the Consumer Financial Protection Bureau ( complaint # XXXX ) against XXXX XXXX, and they responded by stating, " The company responded that they are not the appropriate company to address your issue. '' Well if they are not the appropriate company to resolve my issues, then who is? I requested the bureaus to verify with the debt collector which is XXXX XXXX   that I owed this debt. If the credit bureaus were actually verifying that the information XXXX XXXX   was reporting back was accurate then why are they saying they are not the appropriate company to contact? 
My credit reports from Experian and XXXX report as a charge off, not sold to anyone, only under the company XXXX XXXX! They are reporting that I owe {$5000.00} which I don't and they have never provided proof that I owed the debt. Apparently, based on their response to the CFPB this account is unverifiable and should have been deleted.

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 2021-07-13
Company: AVANTE
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX XXXX is the credit card issuer for XXXX clothing retailer, the XXXX XXXX card. Back in the XXXX, my son, an authorized user on my XXXX charge account, lost his credit card. I contacted XXXX to notify them of the lost card and to request a replacement. It took them two weeks to respond to the lost card communication, and they never replaced the card. I reached out to their support several times for a replacement card, and I was promised on two occasions that a replacement would be sent within 7-10 days. No card was sent. In XXXX, I lost my XXXX XXXX card, and I reached out to XXXX for a replacement. Weeks went by without a response. Finally, on XX/XX/XXXX, I received an email from XXXX saying they couldn't replace my card because they were unable to contact me. All of my telephone numbers, emails, and mailing address are all accurate, and no attempt to contact me was made by XXXX. Furthermore, they ran an additional hard inquiry credit report without my permission as a part of the card replacement process. When I told their support team I would be filing this complaint, suddenly, they became more cooperative. They indicated they would escalate my request to a manager to resolve. On XX/XX/XXXX, I got yet another email saying the issue had been escalated, and " someone '' would reach out to me within 7-10 days. XXXX XXXX is not taking customer service seriously. They are not taking lost cards seriously. They are not doing their due diligence, and customers plus retailers are suffering because of it. I've requested the CFPB to publicly post my complaint so other customers and retailers know XXXX will NOT take care of them. All I want is my lost card replaced so I can make purchases.

Company response to consumer: Closed with non-monetary relief