BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-18
Company: First Data Corporation
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Telecheck keeps denying my checks on my two checking accounts I hardly ever get an approval and constantly suffer embarrassment and aggravation not being able to get my checks approved on my two checking accounts I want to be able to buy what I need from XXXX or any other telecheck merchant and not have my checks denied I have cleared all outstanding checks but I still get denial after denial and I am fed up with telecheck I need help how can they keep denying me I called telecheck they stated I have no negative information that I shouldnt be having trouble writing checks I want telecheck to fix my file so my checks are NOT DENIED when I need something!

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 2019-03-18
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
On my credit report says last update of discharge on my bankruptcy is on XX/XX/XXXX But the discharge date was XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 checked my report and notices all these inquiries and account that isn't mine. The account is XXXX XXXX XXXX/ XXXX XXXX which i never had. i have numerous inquiries that are not mine that i would like removed asap. 
1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX  XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX  XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX 10 ) XXXX XXXX 11 ) XXXX 12 ) XXXX XXXX XXXX XXXX 13 ) XXXX XXXX XXXX 14 ) XXXX 15 ) 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 explanation
Consumer complaint received 2019-03-09
Company: BARCLAYS BANK DELAWARE
State: CA
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:
On XX/XX/XXXX I tried to make a balance transfer of {$20000.00} into my checking card per a promotion that XXXX was having. I kept checking to see if the money had successfully transferred, but after a week, I noticed it still was not reflecting in my checking account, although on my XXXX account, it was showing as done. After calling XXXX, I was told the money was transferred into a XXXX credit card account that does not belong to me. Apparently, the XXXX account has the same account # as my XXXX   checking account, and come to find out, the balance transfer promotion was for credit cards only. I explained the situation to whoever I talked to and they promised to resolve it and get the money back into my XXXX within a week. A week goes by and the money is still not in. I check back about 5 times and Im told something different each time. XX/XX/XXXX, a month after this issue started, I call back and Im told NOTHING was done to try to resolve the issue so the complaint would be transferred to the escalations team and be resolved in a week. Another week goes by and nothing is resolved. Meanwhile, my monthly payment is due, Im trying to purchase a house, and things arent going though due to this issue. I called today to follow up, and again Im told nothing was done, and that I need to contact XXXX and get the issue resolved with XXXX. How exactly do they expect me to contact XXXX and ask them to give me an amount of XXXX dollars back when the credit card company is the one who worongfully transferred the money to them? I am beyond frustrated that it has been almost 2 months, and this issue hasnt been resolved. Im still having to make monthly payments on money that went to someone else, and on top of that, I am unable to close on a house as a result of this. Please 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 monetary relief
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: VA
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:
I requested proof of the alleged late status and I have not yet received any documentation. XXXX never sent documents in the mail, communicating the account status. I am requesting that the file be reviewed for accuracy and updated accordingly. The items reported and disputed were not validated by the credit reporting agencies nor XXXX. The late payments remain on my account with the credit bureaus and they have not been properly verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: MOHELA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a XXXX XXXX who has met the requirements of Public Service Loan Forgiveness. Mohela is my loan service provider. I reached the required 120 payments in XXXX of XXXX. My application for forgiveness shows as " processed '' in XXXX of XXXX. I called and spoke to numerous Mohela representatives and was told multiple times that I qualified for forgiveness and that there was nothing else I needed to do. I specifically asked them at least twice if I was clear to leave XXXX XXXX at the end of this school year since I have satisfied all requirements for PSLF and was told yes. There has been no update on my account since XXXX. I have called again, numerous times to Mohela, to be told that they are waiting on Fed Loan Servicing to send the approval to them and that there is no one to contact to see where my application is on their timeline. I find this very unprofessional. There is no one that can tell me where my account is in the process of being updated and loans forgiven? Yet Mohela told me numerous times I was good to leave XXXX XXXX? I declined my employment contract this year based on FALSE information from Mohela. Now I am told that I must be employed by a qualifying employer at the time of forgiveness or else I have to start the whole process over. That is insane. My last day of employment is XX/XX/XXXX. I am praying and hoping that someone here can help expedite this process given that I followed all procedures correctly on my end, but was given FALSE information from Mohela. I appreciate any help you give in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-18
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They never called or reach out to me, I also had disputed because the chargers is no accurate. They didnt even ask how much I wanted to pay to Settled they went right on my credit report to add the charges. During this pandemic I never received ved anything I turn in the phones with XXXX 2 XXXX XXXX thru the mail. I only owe them {$870.00}. Only had 1.5 month of the contract left they was charging me {$450.00} dollars a month couldnt afford that payment any more was trying to buy out the phones they kept adding more charges to keep me with them making it harder to own the phones that we only had 2 months left to pay on them all these extras they was trying to add phone reps tell u its this month than u call back to pay it they added more money

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 2020-07-18
Company: Experian Information Solutions Inc.
State: MI
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: Investigation took more than 30 days

Complaint:
The response XXXX, Experian, XXXX is not consist with the Fair Credit Reporting Act or FCA. The Fair Credit Reporting Act gives the credit bureaus no more than 60 days to complete a complaint of a customer. 
The credit bureaus never responded to my initial complaint dated XX/XX/2020. So therefore the credit bureaus only have 30 days to answer my complaint fully from the date of XX/XX/2020 this is an continuing case that with no response from XX/XX/2020 case. That I do not have an account with XXXX and I do not owe XXXX any money as the credit bureaus are reporting. If the credit bureaus fill I owe another creditor than they should report the that creditor so I can issue a dispute with that company. Like I did the XXXX account. XXXX has issued a written statement stating I do not owe the company any money. The XXXX state my XXXX was sold and they are not the original creditor any more. My account was sold to XXXX. XXXX XXXX XXXX is a fraud reported by the state of Michigan. Once account is sold then the original creditor would be listed as XXXX. Have your client XXXX XXXX XXXX to send me documents that the original creditor is XXXX not XXXX with the creditor Code so I can send the documents to the state of Michigan for review. So to all the credit bureaus have your client XXXX XXXX XXXX send me documents stating XXXXXXXX XXXX purchased from the original creditor XXXX on XXXX XXXX my account for {$270.00} with the chain of custody. Then I will send the documents to the state of Michigan for review. The XXXX account the Credit Bureaus list for $ XXXXis not mine. 

Under the Fair Credit Reporting Act the original creditor is the last creditor to hold the account and that would be XXXX. 

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 2021-07-13
Company: EQUIFAX, INC.
State: MD
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:
Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Self Financial 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:
On XX/XX/XXXX, I submitted my original dispute, via XXXX, with SELF FINANCIAL INC/XXXX XXXX stating the amount reported and status of the account is wrong. ( This account has been closed with a {$0.00} balance since XX/XX/XXXX, with the deposit returned to me on XXXX ). XXXX came back and stated that the information was updated on my credit report - only for it to somehow end up back at the original amount with a LAST REPORTED DATE of XX/XX/XXXX. I then resubmitted for a new dispute to correct the information and yet again, XXXX came back and said that this is correct. It shows a 100 % utilization on a card that I do not have, and have not had for MONTHS! How is this possible!?!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
For the past two months, I have been trying to resolve the inaccurate reporting to my credit reports with XXXX and TransUnion. My first letter to both bureaus was sent on XX/XX/2020, and XX/XX/2020, that requested to remove the derogatory reporting of the months of XXXX and XXXX as this account has never been late. During this time, I had spoken to XXXX XXXX   several times to verify their reporting. The customer service representative transferred me to the escalation department and expressed on numerous calls, the account on their end is NOT reporting 30 days late for XXXX or XXXX, and, that they will send another update as well as advised me to contact XXXX and TransUnion again. In my XXXX letter to both ( TransUnion and XXXX ), I had requested the paperwork that backs up their detailed reporting that goes over the procedure of their independent investigation and any other paperwork that states the account is past due. And that this needs attention immediately as this has impacted my credit scores and credit payment history. XX/XX/XXXX credit reports results came back from both ( TransUnion and XXXX still reporting 30 days late for XXXX and XX/XX/2020 and they never sent their documentation of their independent investigation to show how they are receiving the information. XX/XX/XXXX, I called back to XXXX XXXX and per my conversation with my mortgage company with the Escalated Credit Manager XXXX ID # XXXX ( XXXX Ext XXXX ) has stated their department has sent over updates numerous of time reporting XXXX and XXXX has been paid as agreed. This account has never been late. Per the guidelines and policy of FCRA, which promotes accuracy and fairness in the files of consumer reporting agencies, XXXX and TransUnion are in violation of reporting inaccurate information. However, the XXXX bureau is reporting paid as agreed. Now, I am contacting CFPB to help resolve this ongoing issue. 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 2023-05-18
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: IL
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 1681c. ( 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.

i have not received any money from this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04
Company: AFNI INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a notice in the mail for a massive debt. The debt said I owed XXXX the company a debt of over {$20000.00}. I have never had XXXX as a company, nor am I aware of any debt I have ever had for any reason with such a high amount, and the date the said XX/XX/XXXX doesn't ring a bell at all. So I responded to the debt letter with a request for verification, I did this through the USPS with certified mail with signature required so I know they received the letter as I only had 30 days to reply. The letter they sent said it was mailed XX/XX/XXXX, although I did not receive the letter until the XXXX of XXXX, so this left just a short amount of time to reply. Around XX/XX/XXXX I received my letter back saying it was refused, despite 3 attempts to deliver. I can only assume they do this on purpose to make sure no one can ask for validity within that first 30 days. I have my letter, proof they attempted to deliver the letter and proof they refused it. I couldn't send another letter and make it there within that first 30 days. The company name is Afni, Inc. The address I sent it to is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, IL XXXX The actual amount of this is supposed debt is {$20.00}, XXXX. I have included a copy of that letter on the upload area without signature since I printed it and signed then sent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
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:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief