BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello. I have had an ongoing dispute with truist bank. Multiple times they have overdrafted my account. The last time this happened was XX/XX/XXXX and most recent is today XXXX XXXX XXXX. This has happened 4-5 times where truist incorrectly displays my pending charges and remaining balance and I end up going XXXX XXXX over my balance but I have and have always had overdraft protection and coverage off. I have stated this numerous times to customer support asking them to turn off this feature because I do not want to be overdrafted. Despite this they refused to refund the fee and since then have continued to charge me overdraft fees. I am at an impass as I dont have any money to pay it back so they are going to charge me an additional 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 2022-12-30
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not consent to this account and I also did not give anyone permissible purpose to open this account. Nor did I gain anything from this 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 explanation
Consumer complaint received 2022-03-03
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.

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 2020-01-30
Company: EQUIFAX, INC.
State: AL
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:
Over the past 5 months I have reached out to Equifax to correct an inaccuracy on my credit report. It shows that I have XXXX late payments with XXXX, I have never been late. On my credit report it shows that my last active and payment date was in XX/XX/2018. This is when I paid the account off and have a XXXX  balance. In XXXX, XXXX, and XXXX it shows late payments which is impossible with the account having a XXXX  balance. I have attached a copy of my report to prove what has just been stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
This complaint is about Wells Fargo trying to, in effect, steal {$5000.00} from me. On XX/XX/, I initiated a transfer of {$5000.00} from my checking account into my wife 's Wells Fargo Checking account. On the same day, my wife closed her Wells Fargo Checking account, and was issued a check for those funds at a bank branch. That check did NOT include the $ XXXX from the transfer I initiated on XX/XX/XXXX. However, the transfer was processed by my bank and the $ XXXX was deducted from my account. If we had not been paying close attention and caught this on our own, Wells Fargo would have kept that money, rather than issuing a refund or cancellation of the $ XXXX transfer, which is what they should have done. The transaction could not be completed because the XXXX  account was closed, so the transaction should have never went through. But the transaction did complete and the $ XXXX disappeared, as far as we're concerned. My wife had to reach out to Wells Fargo customer service to try to resolve this issue -- Wells Fargo claims they are " investigating '' but we haven't received a resolution. I'm raising this complaint because I worry that other Wells Fargo customers may experience similar situations where transferred funds disappear, or don't go where they are supposed to. It should not be incumbent upon the customer to verify that bank transfers are completed properly.

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 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Hello, My wife and I purchased a vehicle from a company called XXXX in XXXX. We called the company in the beginning of XXXX because we could no longer afford it and they said we could make a payment and have them pick it up and we wouldn't owe them anything else which turned out to be a lie. We didn't know this at the time. 3 years later, a repossession hits my credit on XX/XX/XXXX. 

I have written 3 dispute letters to all 3 bureaus asking them to show verification of it being my debt and also to validate that the balance is correct because its not. We had a verbal deal that we wouldnt owe anything else after making the payment and surrendering the vehicle. XXXX has given us NOTHING. No itemized bill, no bill at all of any sort, and they are reporting to the credit agencies THE WRONG WAY. Transunion, XXXX  and XXXX  are all dragging their feet and telling lies also. 

They keep saying everytime I make a dispute that the XXXX verified the debt, the balance ( which is a lie ) and the status but they have not. I have demanded in writing and by phone that this account be removed from my credit reports immediately because the balance is WRONG, they cant validate the debt and most importantly, it keeps reporting as a late payment every single month on my credit report even though its been CLOSED for years and shows as CLOSED on my credit report but still reporting as a late payment that kills my score every month. 

I have also called XXXX directly 4 times dating back from XX/XX/XXXX asking them to validate the debt by showing me the bill and also to UPDATE all the WRONG information including the balance, status. 

My credit is perfect other than this and it is ruining me financially. I need this deleted from my credit report immediately. My letters/disputes were sent out in XXXX of XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Thanks!

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 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After carefully reviewing my consumer report, I realize my consumer rights have been violated. 
Based on my most current consumer report I have two late payments of 30 days or more reporting on my credit report from XXXX account # XXXX reported in XX/XX/ 2022 and Authorized user XXXX XXXX XXXX account # XXXX reported in XXXX 2022. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Which means the consumer being me and the person making the report which is XXXX and or XXXX XXXX XXXXXXXX. Late payments are a form of transactions and utilization is an experience created by credit usage. TransUnion has reported late payments on multiple accounts ( XXXX  # XXXX ) and on which Im an authorized user XXXX XXXX XXXX XXXX # XXXX ) and/ or Utilization of every credit card account on my credit profile which is an experience created by my credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. Please furnish the agreement that states I gave permission to have your reporting agency to publish my personal experiences and transaction history. I never gave TransUnion written instructions to report anything to my consumer report, regarding late payments or utilization to be furnished to my credit report. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. By TransUnion reporting of these late payments/ Utilization my privacy and personal transaction history with each credit card company I have private business with has been violated due to TransUnion have violated my consumer rights by allowing these late payments/utilization to report to my consumer report! I expect this matter to be handled in a timely fashion.

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 2022-09-19
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:
I file a police report on XX/XX/XXXX, to remove the inquires from my credit report. I sent documentations to Equifax and they didn't remove them, I also provided a police report as well. They refused to remove the inquires. Please review the inquires that needs to be removed as follow : XXXX XXXX XXXX Inquiry : 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 Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX : 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  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : 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  Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : 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 Inquiry : XXXX XXXX, XXXX AXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've had enough. I combed through my personal credit report, and what do I find? An absolute circus of inaccuracies that are driving me up the wall. Now, I get it mistakes happen, but these are no run-of-the-mill errors ; they're bulldozing my chances of ever owning a home. I've done my homework on the dispute process, and I know you're supposed to get your act together within thirty days. It's high time you rolled up your sleeves and wiped these abominable errors from my credit report. In these trying economic times, I can't afford to have bogus information dragging my credit score down. So, you better believe I'm counting down the days until I see an updated credit report that reflects these crucial changes and it better be within thirty ( 30 ) days, no less. Let 's get to the crux of it. Here 's the list of blunders that have got me seeing red XXXX XXXX  XXXX XXXX and XXXX  XXXX XXXX. Delete these fraudulent accounts in my credit profile ASAP.

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 2023-03-20
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed 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

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 2021-04-05
Company: EQUIFAX, INC.
State: VI
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:
XXXX XXXX XXXX XXXX XXXX continues to report inaccurate information to the credit bureaus on my credit report. I have written to XXXX popular many times and they told me that they were going to fix it because they made the mistake. It has been over 6 months now and they still have not fixed it. The bank representatives that I had spoken to at XXXX XXXX XXXXi, is miss XXXX XXXX and XXXX XXXX. I am hereby asking them to please fix or delete this derogatory item from my credit files/report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I contacted the CRAs in XXXX regarding a dismissed bankruptcy on my credit report. They responded that they verified this information with US BKPT CT PA XXXX and/or USBK COURT WESTERN PENNS XXXX I found this is who they were verifying the information with because at the bottom of my credit report it lists all of the CREDITORS that they get/verify their information with. I contacted US BK CT of Western Pennsylvania via certified mail ( XXXX ) and received a letter from them stating that they do NOT provide information to the CRAs they also stated that they do NOT have a relationship with the CRAs. So to my confusion how are they listing this entity as the CREDITOR? If one they do not report this information, two they are not creditors ( A creditor is a party that extends credit or lends goods, property, services, or money to another party known as a debtor. The credit made through a legal contract guarantees repayment within a specified period as mutually agreed upon by both parties. The amount lent to the borrower may be subject to an interest rate, depending on its size and the lender. A creditor takes various measures to secure the loan amount if the debtor turns defaulter, like requiring collateral and placing liens on it. Creditors can be classified as secured or unsecured. ) Bankruptcy Courts are not creditors they do not loan money to anyone they do not extend credit or lend goods, property, services, money to any consumers, but yet that is who the CRAs are stating " VERIFIED '' the information on 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 non-monetary relief
Consumer complaint received 2018-01-11
Company: Colony Brands, Inc.
State: MO
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 contacted XXXX XXXX regarding them reporting a account that is over XXXX XXXX XXXX on my credit report they could n't locate a account by my name or social security number or address. I disputed them reporting this account under my new bankruptcy in XXXX chapter XXXX. This debt should have been deleted a longtime before I filed bankruptcy but they added themselves as if this was a new or was due at the time of my bankruptcy. I asked then to remove it. I will not let this sit on my credit another XXXX plus years .They verified this account being reported correctly XXXX/XXXX/XXXX but when I called them they had no information.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-15
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX balance claimed is {$840.00} contacted cox because name of creditor is XXXX XXXX XXXX collected my AFNI XXXX I have no balance due with them and left in good standing with them back in XXXX not even XXXX. Have disputed many times and gets cleared from account then new amount and new date appears again. When I look up AFNI I see many many people have the same claim this is a scam and fraud and I need it removed. This is not right. Ive never had a debt collection and have paid everything on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My navient student loan payment is due the XXXX of each month, on auto-pay. On XX/XX/XXXX, I received my monthly statement that my payment due XXXX was {$180.00}. Previously, my payment was {$180.00} and I was curious of the change, since I am fully paid off XX/XX/XXXX. Thankfully, I logged into my account on XX/XX/XXXX to examine the change. Online, it stated my payment due was {$190.00}, I believe. I spoke with navient earlier and asked them to discontinue auto pay. I was never notified that my payment increased. This is not the first time they have increased my payment without informing me.

While online, I noticed my outstanding balance with them is only {$430.00}. Yet, they are telling my I have five remaining payments of somewhere between {$180.00} and {$190.00}, I never asked for conformation on that. When I asked why I was paying so much more than my outstanding balance, the customer service agent told me because I had always paid on time ( just shy of the 10 year repayment ) and never modified my loans in any way, the system had not recalculated my payments correctly. However, there is new " schedule begin date '' of payments that starts XXXX. 

Navient previously increased my payment on XX/XX/XXXX. When I called to inquire then, I was informed that to be paid off within my 10 year time frame, my payment needed to increase. Clearly, my payment did not need to increase then. When I asked the representative today what the solution was so I did not overpay, she told me I could just pay the {$190.00} and I would be paid off earlier. As excited as I am to have my loans paid off, my budget is tight right now, and I would rather not pay more than I planned on such short notice. However, I will probably just payoff 2 of my 5 small loans, and make minimum payment on the other three. This amount is actually about the same as my payment.

Company response to consumer: Closed with explanation