BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, MY NAME IS XXXX XXXX XXXX. Upon reviewing my credit report I realized that IC SYSTEMS is being reported as a closed/charged off account in the amount of {$980.00}. This is considered cancelled debt and can not be reported on my report. This company has filed this debt on their taxes and its still being reported. I never received a 1099C from IC SYSTEMS. This is a violation of 15 USC 1681eb. I NEVER GAVE PERMISSION FOR MY PERSONAL INFO TO BE SOLD TO ANY COMPANIES. I DO NOT HAVE ANY CONTRACTS WITH IC SYSTEMS, WITH MY SIGNATURE ON IT. IC SYSTEMS SHOULD NOT BE REPORTING ANYTHING ON ME TO THE BUREAUS.THIS IS IDENTITY THEFT. I demand that this inaccurate information be removed from all 3 credit reports.

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 2022-08-02
Company: Experian Information Solutions 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've disputed the following accounts directly with the creditor and they've failed to remove them from my credit report. I've also disputed them with Experian with no help in removal. By law the Credit Bureaus MUST remove all inaccurate information as it is causing financial hard and hinderence to my personal finances. 

Accounts : XXXX : XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$9900.00} Status Collection account. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$890.00} Status Collection account. 
XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$8300.00} Status Collection account. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$9800.00} Status Collection account. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$10000.00} Status Collection account. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$9300.00} Status Collection account. 
XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$12000.00} Status Collection account. 
XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$16000.00} Status Collection account. 
XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$1300.00} Status Collection account. 
XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$13000.00} Status Collection account.

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 2022-10-23
Company: Advanced Resolution Services Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Was not able to get consumer file online with ARS ( Advanced Resolution Services ) attached is letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The bank citibank is my bank. I have achecking account that has been open for 7 years now. I have a direct deposit with them for the entire time being setup with them. I have recently had them suspend or temporarily hold my account. They won't say what it is from. They told me I have to verify myself. Through a phone number. They stated the phone number has to be in my name. In order to verify my self I have told them my phone number and others as well because I have had a few different numbers. I told them each and they said not one could meet their verification standards. So they say they sent a letter in 7 to 10 business dasy for the next instructions. This is absurd and ludicrous. I have absolutely no access to my funds and I have had my account taken without any previous warning. So I am left without access to my funds. Right in the middle of a huge transition during my move. I am close to a deadline to move out of my apartment and this happens. I am left with no funds not even for gas in a less impacting situation but for my current very time constringent matter where i need fees paid moving costs my deposit, and not to put in my details but a huge huge deposit and all the the miscellaneous problems that come with moving is just one of the most chaotic inconvenient times this could happen. A bank should not be able to just hault an individual from their funds. I have contacted a lawyer and was told if I wanted to pursue there would be alot of fees accumulated so I wanted to pursue other alternatives first and have this investigated or resolved. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Block, Inc.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX with square email : XXXX I have been using Square to process payment for my business but Square decided to deactivate my account and stole my funds. 

Since then I have had some contact with Square, but they refused to respond to me saying that I have disputes that needed to close first before they can send me my money. 

My funds was to be given to me 3-4 months ago, but Square has held my funds for many months without sending it to me. 

All disputes on my account was closed by XX/XX/2022 but square has held my funds for more than 3 months since then. 

I have {$1100.00} on my Square account which I need to withdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Saturday, XX/XX/2022, I made a mobile deposit of a check in the amount of {$600.00} around XXXX when I retrieved it from my mail. The bank I have is Wells Fargo. I wrote " For mobile deposit at Wells Fargo only '' on the back of the check as instructed. 

On Tuesday, XX/XX/2022, the {$600.00} was deposited into my account. After work I took out money from the ATM and used my debit card for purchases. 

On Wednesday, XX/XX/XXXX, my account was - {$600.00}. I immediately called Wells Fargo to see what was going on. Not one person could give me an explanation other than that the check was deposited twice. I explained that I deposited the check one time through their mobile app and threw the check away because I never had issues with mobile deposits with other banks. They made me file a claim and ensured me the funds would be back in my account in 3-4 business days or 10 days at most. 

I called again on Tuesay, XX/XX/XXXX to check the status of my claim because there was a deposit from my XXXX of {$880.00} going to this account on XX/XX/XXXX and I needed the - {$600.00} balance to be removed. The negative balance was not removed and the {$880.00} deposited into my account on XX/XX/XXXX. I only received {$280.00} because my balance was still negative. 

I called Wells Fargo again on Thursday, XX/XX/XXXX, and someone informed that the funds would be back in my account today XX/XX/2022. The funds were not back in my account. 

I called today, XX/XX/XXXX, and they told me the claim was closed and I told them I can not be out of {$600.00}, that it was from my personal XXXX. They made me file a second claim and stated I have to wait another 3-10 business days. I have living expenses to pay ( as we all do! ) and really need this money back please. Thank you kindly for your 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 explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions 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 have reviewed my Experian report and discovered there are inquiries reports with companies that I do not have an open account with, nor have I initiated any transaction with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Ever since Navient took over this loan they do everything they can to access fee 's to the borrower. Today is XX/XX/2002. I logged on to pay my payment which is due the XXXX of each month. They are showing the loan as PAST DUE so they can access late fee 's to the account. I then try to pay extra and of course they want the XX/XX/2002 payment as well now. This organization has done everything they can to XXXX the borrower of loans with them!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to my local Wells Fargo bank to make an ATM deposit on a Sunday, there was a gentleman in a truck that was running not doing anything in the parking lot so I waited a few minutes. He didnt leave so I went ahead and went to the ATM with my money to make the deposit And the machine said it was not accepting deposits that day I tried to do the transaction twice and then the ATM spit my card out I took my card and went back to my XXXX. When I left I went through the drive-through area turned onto the highway and noticed that the truck was still sitting there with the gentleman in it. The next day was a holiday Monday but I wanted to check my balance since I was unable to make the deposit and I was expecting a withdrawal for a trailer payment. When I logged into my bank account I saw that I had {$800.00} withdrawn which is the maximum amount from my checking account. I never made a withdrawal I went there to deposit {$1600.00} that was from the sale of a XXXX that I had received and still only had the {$1600.00} when I left because it would not take my deposit. Thats when I started thinking that that gentleman that was in the truck must have had a scammer on the ATM. I called my bank reported what had happened I also called our local sheriffs department and made a report. I received notice just yesterday stating that they found that the transaction was either made by me or that I authorize someone else to take that money out which is a lie. So they are going to reverse the temporary credit that they put on my account in 10 days which I do not have. What is my next step for recovering my money? Ive been with the same bank for close to 30 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Collection Management Holdings, LLC
State: TN
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:
Yes I have had a data breach with XXXX they have my stuff on my dark web and sold my information also on XXXX I noticed a lot of address wrong social different names used that I got to report bc I think someone in Texas have bought a house in my name I need every consumer that is in with these peony and at the time I was paying to get my credit up so everything has got screwed up but I dont see how different names and address and different social popping up on all my stuff and so now I am in a world of XXXX and been wondering why they cant verify me bc my stuff got stolen by hackers!!!! I need to notify everyone and plus things I dont know about!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax company incompetence. 

For over a year now ( since XX/XX/2021 ) Equifax has not allowed me or creditors to access my credit file with Equifax. 

I have tried on at least four occasions in the last year to resolve it with them ( and hours on the phone ). They have not resolved their internal security problems, other than asking dozens of their verifying questions. 

They want me to USPS confidential identity documents to them. Not a best practice for handling confidential documents. I have expressed my reluctance to do that because we recently had some checks stolen from the USPS boxes at the Post Office in XXXX. 

I have no issues with either XXXX or XXXX XXXX, just Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NV XXXXXXXX XXXX XXXXXXXX Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: T.S. Holdings
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I asked debt collector to send my letters & statements showing I owe they never sent any mail. I asked them to stop calling me repeatedly they call more since o asked them not to. Plus they threaten me with others results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NV XXXXXXXX XXXX XXXXXXXX Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I received my Capital one card around XX/XX/XXXX and activated it but was restricted. I have emails that can verify this. The company asked me to send documents XX/XX/XXXX, they did not specify that I should send the backpart of the document so I needed to send it after calling last XX/XX/XXXX. Then the wait time which was 10-15 days. I call them again saying that they needed to verify new documents which they did not specify the first time so I sent these again. I called again after 12 days then asked me to send new documents for my husband which they did not specify the last time, this was sent XX/XX/XXXX. They said that an agent called but I did not pick up so they said they informed me about it. I told them what do I have to do again. So I need to send new copies of my husbands documents which was the same documents I sent the first time this was XX/XX/XXXX. I got a mail that if I did not send the documents then my application will be cancelled. At this point I want it to be cancelled already but my credit score already reflected that I opened an account in Capitalone. I called After 10 days asking if they received the documents last XX/XX/XXXX. They said they did but that they will be calling me and not to call them anymore. I called them again XX/XX/XXXX and they told me that there is nothing to be done to the account and that it is what it is. I can not talk to a supervisor because they can not have me talk to one. If I call back they will just give me the same information. I tried XXXX. The same script was given. This is so frustrating, not only is this wasting my time but it also has taken toll in my mental health. It is so stressful. This is not my only credit card. I really dont mind cancelling, this but 3-months of stress is not worth it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-29
Company: GOLDMAN SACHS BANK USA
State: NJ
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 have concerns that Goldman Sachs is not adhering to the Fair Credit Billing Act, as it relates to my rights to a timely, accurate, fair and equitable dispute process regarding fraudulent activity on my account. 

The Company is also failing to acknowledge and directly reply to my inquiries and requests for information on this matter. I have made countless attempts, and spent several hours of hold and phone time speaking with the Companys representatives, but have received nothing that could be considered responsive to my original request, which has been pending for several months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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 XXXX Account XXXX XXXX XXXX, original creditor is XXXX XXXX, amount {$270.00} 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 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 explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-23
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Open XX/XX/2022, I received an email from Synchrony Care Credit ( see attached ) asking me to enter the reference number provided and view the response to my application. However, when I attempted to enter the requested information, I received an error message stating that there was no record that matched my information. 

Thus, I replied to the email from Synchrony to this effect, and I also requested that this account be closed or the application be cancelled or withdrawn and the account cancelled in my name. I have attached the email I sent. I want this account closed if an account was opened in my name immediately.

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