vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: TX

Complaint narrative:
I have been incorrectly billed/charged. Late last year, I called Ed Financial to inquire about the news of the student loan forgiveness program that was being floated around in the news. The person with whom I spoke accidentally and incorrectly thought I was requesting a reimbursement due to the National Emergency Forbearance/COVID Relief Program. 

I never received these funds, nor have I deposited them. I have W2 filings and Bank statements to prove this out. Furthermore, the check is void after 180 days, which we are way past at this point as it is XXXX months since the check was mailed out. 

Back in XXXX I followed up over phone and the representatives confirmed this was an error on the billing teams side and they were going to locate the check. A representative confirmed that I do not owe them any funds, and that once the check has been located the refund request would be cancelled, which should set my balance to XXXX. I can not legally be made to repay funds I did not receive, and I have proof that this is the case. 

The account balance is still showing {$1200.00}, which is incorrect and invalid as I have never received these funds nor intended to request them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
To : XXXXXXXX XXXX  XXXX AND Midland Credit Management , Inc . I write to advise you that I plan to file a lawsuit against you in the United States District Court Middle District of Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the USDC Middle District of Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I cant get 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 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
I obtained a XXXX XXXX XXXX in XXXX with One Main being the finance company. I voluntarily surrendered it on XX/XX/XXXX. I have had this car for 5 years and still owed a {$18000.00} balance on it. Since the year of XXXX and before I have tried refinancing it, rolling it over into a new car or newer vehicle- through One Main Financial because with the maintenance and monthly payment. I was not able to keep afloat. One Main consistently informed me that there were no other options for me ;. So in XX/XX/XXXX, I stopped asking them and I surrendered it on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I've been filing complaints against this company repeatedly because they can't seem to manage my consumer file correctly. In my last complaint, they told me that Chexsystems had no information about me, which is simply not true. When I checked my Chexsystems account, I found over XXXX different accounts they claimed were clear. 

Today, on XX/XX/2023, my concern is about a message they sent through their website. Initially, they told me they hadn't removed my dispute with XXXX due to accuracy, but just XXXX minutes later, another message stated that it was removed from Chexsystems. To understand the situation, I ordered another consumer report and found numerous inaccuracies. This is the primary reason for my new complaint. 

Their communication doesn't match what I see. They initially told me and the CFPB that I had nothing on my file, yet I still encounter numerous inaccuracies. This company isn't meeting its obligations and isn't being fair. If I were to try opening a bank account now, I might face denial due to this confusion. They claim I'm clear, which further complicates the issue. I'm not sure if my report freeze is causing this problem, but I've requested my security pin and am awaiting it. I will certainly question what the agent told me and the CFPB. 

They should provide me with the information that banks send, not fabricated bills. I've reported identity theft, and although it may not be directly linked to Chexsystems, it's crucial for my identity theft claim with other banks and credit reporting companies. If there truly were nothing on my report, as they claimed, I wouldn't need an identity theft report for them. But I'm dealing with banks and accounts unrelated to Chexsystems, and that report supports my identity theft claim. Chexsystems should consider my disputes of inaccurate information, names, and addresses throughout the year as they assess my identity theft claim. 

I plan to write a letter to Chexsystems to collect all the names and addresses I disputed this year. This will assist me in my identity claim when I make my police report. Dealing with this company is time-consuming, frustrating, and feels like my rights are being violated due to these inaccuracies. I've been dealing with them for quite some time, and it's an ongoing issue.

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 2023-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
My name is XXXX XXXX XXXX. I would like to very strongly complain to whom it may concern ; Wells Fargo has claimed that " arbitration is beneficial because it provides a legally binding decision in a more streamlined, cost-effective manner than a typical court case. '' On the week starting of XX/XX/2022 I experienced, as you categorized serval times over the phone and in person at several branches, a complete account take over. 

The case number that has been provided to me is XXXX. 
Tracking number XXXX. 


To begin, normally I am not made aware of small retail/transaction activity. Even whilst moving from state to state or if the charge amout is out of the ordinary. When it exceeds a certain amount, it is required of me as a card holder to authorize, via a phone call or text message, and verify the transaction. This has never happened in the history of my experience with Wells Fargo. 

Furthermore, when I discovered these unauthorized and alarming transactions i immediately called the bank and had to proved to them my identity over the phone to access my account. 
While i was on the phone it was obvious to me that there were transactions that were not made by me. After having the bank look into the activity, they admittedly categorized these charges as fraudulent. 

I alledge, Wells Fargo blocks access to an efficient or cost-effective dispute resolution. 
It is bad enough that Wells Fargo has engaged in unfair overdraft practices, but now Wells Fargo has first forced customers to arbitrate as individual cases, and then obstructed the arbitration process. It is clear by how Wells Fargo is defending these arbitrations that it not about the promised streamlined and cost-effective resolution of claims, it is about using the arbitration process to attempt to deny any remedy for consumers Confused and anxious, I contacted every branch I have made transactions at, and requested to see video surveillance of the time of transactions not done by me. 

While meeting with the bank reps, they recognized that some transactions were done in person and some online. 

Over the year, I have spent countless hours on the phone with bank representatives, lawyers, law enforcement, mediation and even the FBI to try to settle this. 

HELP ME!!

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 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have inaccurate personal information that doesn't belong on my 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 non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: VA

Complaint narrative:
On XX/XX/XXXX I sent {$1400.00} using bank to bank transfer from an online company called Money Network. Upon realizing no money was pending in my account 2 business days later, I called XXXX XXXX to see where the money was. They had never received any money to come to my account. The lady from XXXX XXXX told me ask Money Network for a 15 digit code. Money network told me and still are continuing to tell me they never had an ACH code or 15 digit code. Finally last week I put XXXX XXXX and Money network on three way with me asking them for help and to let XXXX XXXX know I was not joking around about not being able to give them the ACH number to help me. I filed a dispute with Money Network since they are the one who couldnt provide me a tracking number to even stop my funds! It is going on a month someone has spent they money probably and I STILL CAN NOT GET ANSWERS. They denied my appeal and my main dispute not even 24 hours later. That money came from the VA dependents chapter 35 to help me with my bills, I am currently behind due to money network not taking my investigation more seriously. The account number they are saying its in I have no clue where those numbers came from and the reason for my denial was because XXXX XXXX reviewed the money so they did their part.

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 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
XX/XX/2023 Lexus Financial Services also known as Toyota Financial Services called my employer XXXX XXXX XXXX trying to collect a past due payment that I already have set up a payment for XX/XX/2023 to be drafted out of my account. They were never authorized to ever call my employer as I do not have my employer 's phone number listed on my account. They have continued to harass me by calling my employer on many other occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Kikoff Inc.
State: LA

Complaint narrative:
Someone fraudulent open account with my information and Im trying to resolve this problem but they the company have no real human being customer support

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
Military Star Card contacted my XXXX command via paper mail directly to my Commanding Officer, which caused disciplinary problems for me. According to 15 U.S. Code 1692c ( a ) ( c ) - Communication in connection with debt collection, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ; at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

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 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian lowered my credit score by XXXX points within a DAY after XXXX reported I owed an excessive amount on my credit card. XXXX admitted to Experian that the information was entered in error. After doing so Experian only raised my score back up by XXXX points and stated that I would have to wait an additional 30-60 days to have it corrected. This error should have been corrected immediately with Experian.

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 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm an authorized user on my daughters XXXX XXXX account. It was helping me build my credit score on Transunion ( and the other bureaus ). Recently I checked my Transunion account and noticed there was a XXXX XXXX bill that was already paid on XX/XX/XXXX but not due until XX/XX/XXXX and not updated on Transunion. I contacted Transunion and disputed this bill asking them to remove it because it was already paid. They DID NOT remove the bill but removed THE XXXX XXXX ACCOUNT instead. I reached out to Transunion and after having to call them back 5 times because the representatives kept hanging up on me, I finally spoke with XXXX, a supervisor. She apologized stating they accidently removed the XXXX XXXX Account from my credit report BUT could not reinstate it. I would have to contact XXXX XXXX to be REMOVED from the XXXX XXXX account then RE-ADDED on the XXXX XXXX account inorder for Transunion to have XXXX XXXX added back on my credit report. 
This error is unacceptable and their lack of " customer service '' is beyond ridiculous. I need help in correcting this.

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