BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-28
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a business checking account last month with a promo code at a Truist branch. The promo code is XXXX. I was supposed to receive a {$200.00} promo bonus after completing the requirements of the promo. The requirements were to make a {$1500.00} deposit within 30 days of account opening. So I made a {$1500.00} deposit within the 30 days of account opening. 

Per the terms of the promo, I was supposed to receive the {$200.00} bonus within 30 days of completing the requirements. I called multiple times before the 30 days were up and multiple times after the 30 days were up and I keep getting the same response that I completed the requirements of the promo and that I'll receive my bonus in 30 days. Every time I call, they keep saying 30 days. I was already supposed to receive the bonus because 30 days have passed after I completed the requirements and I still haven't received my {$200.00} bonus as per the terms of the promo. Please get these people to credit me my {$200.00} bonus already.

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 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. I am currently not showing a score for my XXXX as well and I would like that corrected 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 2023-08-03
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 information incorrect

Complaint:
TransUnion has reported my high balance on my XXXX account was XXXX from XXXX. My account credit limit is XXXX. So it seems that I went over my limit. This caused my score to plummet XXXX points in one month. 
My highest balance was under XXXX and paid off monthly. 
TransUnion told me to contact my credit card complain however the error is on their side. I continue to be out on the middle of this vicious circle of blame. I would just like to have correct information reported.

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 2022-05-28
Company: AES/PHEAA
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have called Fedloan several times over the last 5 years about a 90-day late payment that has been reported to all three credit bureaus. I have advised all agents Ive spoken to that the negative mark should have not been added to my account. I had faxed the necessary forms to Fedloan back in early 2017 and learned upon seeing the negative marks on my credit report that the company couldnt locate the form. 
I do not feel like I should have to continuously suffer from an error that wasnt caused on my end. The negative marks have stopped me from being able to purchase a home and obtain other lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After I reviewed my credit report I noticed that there are many names under my XXXX Credit File and many unknown addresses which I would like Deleted from my credit report. I am listing those below for your convenience. 
XXXX - XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX WA XXXX EXPERIAN - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX 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
Consumer complaint received 2023-02-14
Company: Checkr, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I ran an employee application ( Custom Id # XXXX ) & the Checkr Background showed an infraction ( that by the way doesn't show up on XXXX XXXX ) or shouldn't. 

It seems like I've been targeted & the same people tried making it look like I had a criminal background. This offense is not a criminal offense & is an infraction. 

I requested they remove it because I'd it isn't on the XXXX record, it shouldn't show in an employment background. 

The court said it would not show up on Employment background reports & I would like for it to be removed. It's misleading & gives the appearance there is a criminal charge when there isn't. Even though the criminal records section shows clear, it even shows up in the criminal report section & I do not have any criminal charges. This infraction is noncriminal therefore shouldn't show up at all. It is a minor infraction. 

Furthermore. I have a dispute regarding this infraction because I was not using my phone or texting while driving. I initiated the dispute & am moving to have it removed from my record completely. 

I was looking for a VC or other code to support this request. I may have to go to the law library later to locate it's origin. If you are aware or have an acquaintance that has supporting code ( s ), I'd appreciate it. Otherwise, I'm requesting removal in 'Good Faith '. This code is an infraction & backgrounds generally ask if you've been convicted for a Misdemeanor or a felony ( Infractions excluded ). This, any reporting entity shall otherwise exclude also. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-05-27
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My parents and I took out a parent plus loan with XXXX XXXX for approximately {$40000.00} on XX/XX/XXXX. The XXXX was sent in 2 different disbursements, 1st disbursement on XX/XX/XXXX for {$5400.00} and the 2nd was sent on XX/XX/XXXX for {$38000.00}. Sallie Mae later decided to split the original loan into two separate loans based on their dispersement ; however, we only signed one promissory note for one loan. Sallie Mae decided to only forgive one of the disbursements ( the lowest amount ) rather than the entire loan. 

Here is a list of the many issues we have experienced while dealing with repayment of the loan : 1. Explanation of how to remove the co-signer from the loan was not given.

2. No attempts were made to notify us of the need to re-certify annually after our income changed and we requested this to be notated. 
3. We were not allowed to control the allocation of our payments between loans because it was split without our knowledge.

4. We were not informed that our loans were not dischargeable in bankruptcy before we filed.

5. We were not notified of how to have the co-signer released on our loan after we requested this several times over the years. 
We also filed a complaint and opened an investigation with Navient customer service XXXX named XXXX ( XXXX ) on XXXX. Investigation number is { XXXX } We Never heard back from them. 

Sallie may made the 1 loan into 2 loans and never explained why and assigned it 2 different account numbers without our knowledge and when we called an explanation could not be provided.

Over the years we have contacted both Sallie Mae and Navient to combine the two loans back to the original one loan. We have never been able to get complete information over the original loan or complete written investigations information concerning the loans, who is on the loans, how much was borrowed initially, and a reasonable way to repay them. We were always given no options. We have all filed several complaints with consumer protection bureau and to Navient to no avail and with no resolution. We were threatened with wage garnishments and leans against our home. 

When we last spoke with Navient in XX/XX/XXXX and asked for an investigation and to inquire why the second loan that was created had been turned over to collections to the co-signer and charged off to the parent without being notified. As of today, XX/XX/XXXX we still have not received any response or resolution. We received a letter from XXXX XXXX XXXX on XX/XX/XXXX, that the Navient service rep XXXX stated that they worked for Navient for a balance of {$110000.00}. The letter stated we have until XX/XX/XXXX to pay {$41000.00} to settle or face wage garnishment. XXXX offered us no solution nor could he answer why loans were never combined or forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: PA
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:
Ive noticed some unauthorized inquiries and XXXX unauthorized account on my report. I am wiring to delete the following information in my file. The items i need deleted are listed in the report as well as this persoanl statement. I am a victim of idenity theft and according to the fair credit reporting act legally thrsd unverified unauthrized items must be REMOVED! first is the XXXX XXXX  XXXX account XXXX next are the following inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-06-06
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-02-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XXXX, I sent a certified letter to Equifax disputing inaccurate reporting of three accounts ( XXXX Bank XXXX and XXXX XXXX ). The numbers reported are only partial account numbers and there is no legal way to verify or prove these accounts belong to me. They have failed to provide a resolution within the 30 days as stated in the FCRA. I demand that the negative, erroneous items be removed from my credit report immediately. This hurt me from getting a car loan. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: WELLS FARGO & COMPANY
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:
In reference to Wells Fargo Account # XXXX On XX/XX/23, I wrote Wells Fargo a letter informing them of their inaccurate reporting of an account on my consumer reports. Wells Fargo is in violation of multiple laws set forth by Congress. 
15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( Wells Fargo ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( Wells Fargo ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. 
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! 
By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX  for the cancelled debt of {$3700.00} in order to file as ordinary income. Where is my 1099-C Wells Fargo is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than {$600.00}. This is unsatisfactory! 
Wells Fargo has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information, and as such I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

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 2022-05-27
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There is an account with Barclay Bank of Delaware that was open in my name without my permission. I have tried to resolve the account with the creditor directly but has not had a fair resolution

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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Acct # 's 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-05-27
Company: Paypal Holdings, Inc
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I noticed that PayPal inadvertently took {$16.00} for my XXXX account, out of my XXXX checking account. I didn't nor have I ever authorize that. Every month I have {$16.00} taken out of my PayPal Credit account for XXXX. To date they haven't taken it out. It normally comes out of my Pay Pal credit account on the XXXX of each month. I contacted XXXX and they verified that Pay Pal is the form of payment and that I should contact Pay Pal. I contacted them on yesterday ( Pay Pal ) told them of the issue and they said I would need to contact XXXX. I immediately went to XXXX XXXX  last week, and said I didn't authorize Pay Pal to take out {$16.00} for XXXX, but rather my Pay Pal credit. My bank reversed the charges. 

Also, I made a payment late on XX/XX/2022 when my Pay Pal payment was due and there must have been some error, because my payment didn't show. So, I made a payment on the next day ( XXXX ) early in the morning online for {$100.00}. The Pay Pal representative indicated that she would notate the account to remove the late fees of {$40.00} due to the issues with Pay Pal. 

I contacted Pay Pal representative today ( XXXX ) and he said they were unable to reverse the late fee because I had two reversed before. Separate issues though. I also talked with the supervisor and she refused to reverse the {$40.00} late fee. This new issue was a technical issue beyond my control and I have had issues with Pay Pal all week. 

1 ) I want Pay Pal - To reverse the late fee of {$40.00} and XXXX ) I want Pay Pal to take out of my Pay Pal Credit {$16.00} for XXXX as it normally has I think this is wrong of them to penalize customers for their technological errors. Period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, On XX/XX/2021I contacted XXXX XXXX to cancel my internet service due to selling my home. I was asked if I would like to suspend my service, and I declined. I asked for the final amount that I owed. A bank draft was issued for XXXX. As far as XXXX was concerned, I was done. I received a collection letter from XXXX late XX/XX/2021, and immediately paid XXXX. I also filed a dispute with each credit reporting agency ; XXXX, XXXX, and Transunion. XXXX deleted derogatory from XXXX, but not XXXX and Transunion. I have confirmation of XXXX noting Deleted. After I closed on my home XX/XX/2021, I also closed on a lot to build a smaller house. I applied for a Contruction/Permanent One Time Closing Mortgage and was approved. Hired a Contractor, Had an Environmental Company do research on the lot and apply for DEP and FDEP permits to build on the lot. This cost {$21000.00}. ( It has taken 12 months to get my permits ) During this time, not knowing it would take this long, I have spent 12 months in a friend 's guest bedroom with 3 small dogs ) At the time, I worked at XXXX XXXX as their XXXX XXXX, and was able to buy XXXX worth of construction materials at cost, knowing that supplies would be shaky in the future. So, I have XXXX in the lot, plus Environmental/Permits Costs XXXX and construction materials for a total of XXXX. At XXXX and having Excellent credit all my life, the collection report, has brought my life to a complete halt. I have worked on this problem since first filing a dispute in XXXX of 2021, and most recently the last 6 weeks with XXXX and XXXX and the credit agencies. I am at a loss as to how this can happen and can not be resolved

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