BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was on workmans comp, t and was involved in a XXXX XXXX XXXX XXXX and was taken to the hospital under XXXX XXXX XXXX they were given cbcs info, plaintiff was informed that this was a workmans comp claim, under the company CBCS, they are charging me unlawfully instead of pursuing the workers comp claim, complaintant also believes that they are charging unnecessary amount. I have informed both cbcs  and XXXX XXXX XXXX of this issue. I am being unfairly persecuted and my credit is taking a hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-02-28
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022, I received this email : XXXX ( XXXX XXXX ^ To : XXXX XXXX  XXXX Wells Online Fraud Department : let 's team up against fraud. 
WELLS FARGO your debit card was suspended due to irregular card activity, while this is in effect, withdrawals and purchases performed with your card will be declined and your online banking access will be suspended to protect your information. 
Please follow the instructions below to verify your identity : Log In to your online banking account. 
Complete the verification process to verify your identity as the account owner. 
You will be logged out from all active sessions to ensure security of your account. 
Log In to Online Banking Note : Your account will be fully secured once the verification process is completed. 
Thank you for choosing WellsFargo. 
Please do not reply to this automated email. If you have any questions please log In to I did not respond to the message, nor did I open any links. I logged into the Wells Fargo App and saw no messages from Wells Fargo about my ATM Card being suspended. I also never received and phone calls from Wells Fargo about the matter.

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 2018-01-31
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
After graduating from XXXX XXXX 2013, I was accepted at XXXX XXXX University with XXXX GPA. One year and a half later, due to family medical issues, my parents had to remove me from XXXX XXXX University. I tried to into a community college, but due to our debts at XXXX XXXX, they would not release my transcripts. My Dad saw an ad from the XXXX XXXX XXXX, stating if a student enlists in this service, their loans will be paid, and they will receive a bonus after completing XXXX and XXXX XXXX. This turn out to be an outright lie. Now over two years in the XXXX XXXX XXXX, proper training for XXXX, have not been granted to me. The recruiter officer, advised me and my parents, I will get $XXXX per month for XXXX XXXX, my bonus of $XXXX  after XXXX, and payment for my student loans, which never happen. So far it took one year for the XXXX XXXX XXXX to pay $XXXX, with most taken out in taxes. Six months ago, I sign up for XXXX XXXX XXXX in the XXXX and still waiting for my release papers. According to Nelnet, I have a student loan balance over $16,000.00.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The entity, Comenity Bank, is the servicing custodian for in this case, the XXXX XXXX issued under the XXXX XXXX marketing banner. I made a wire transfer to them which as their paperless statement indicated was processed on XX/XX/XXXX, well within the timeframe set forth for the due date. However, after perusal of my XX/XX/2023 closing date statement, I see where the computer has accepted my payment, charged a late, returned check, AND a REFUND check charge. Also, my grand total of fees charged for the year is not {$90.00}, but rather 30 dollars. Even after intervening on my behalf, their reticence to hear my interrogatory led me to seek a more studied advocate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Navy Federal has taken close to XXXX dollars from my accounts claiming I owe overdraft fees for accounts they charged off and removed from my online view when I ask for explanation and breakdown of charges I was hung up on twice I do not owe navy Federal this amount of money and this is fraudulent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I am an American citizen and I am very angry and disappointed at Sallie Mae. Covid19 have destroyed our life, our family lost all of our life savings and our family home. I decided to go back to college, I applied for a loan from Sallie Mae, at first I was denied because my credit was not up to date due to wife and I loosing our Job due to Covid19. Sallie Mae had requested a co-signer. The first co-signer, her credit was not excellent and Sallie Mae denied the loan. So I added another co-signer according to her credit report she has excellent credit and She is in possession of multiple real estate properties. To my surprise Sallie Mae intentionally willfully maliciously denied my loan. I have learned from my investigation, my sister who is a FBI agent and I don't mind providing you the badge number advised me that from her perspective as an agent, that Sallie Mae are profiling my application. She described it as if Sallie Mae has a policy of selective applicant denial. Based on confidential applicant nation of origin, there was confidential information has been placed in my social security file about my adoption name change. I was not born with name XXXX XXXX but my name was changed to match my adopted parents. I am advised by the FBI that the justice department civil rights division should look into Sallie Mae 's discrimination against me. I'm asking whoever agency responsible to get involved and prosecute Sallie Mae.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: BSI Financial Holdings, Inc.
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan servicer BSI Financial Services in connection with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  illegally foreclosed on our home. They created fraudulent documents and " harvested '' our home. This took place XX/XX/2012

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am a Truist bank customer. I have XXXX set up on my checking account to pay a credit card balance to an outside bank XXXX XXXX XXXX XXXX. In XX/XX/2022 I revised the auto payment from $ XXXX to $ XXXX to make sure the minimum payment was being paid. For the month of XXXX no payment to XXXX XXXX was issued - not {$250.00} or {$450.00}. I was charged a {$40.00} late fee by XXXX XXXX for a late payment in XXXX that I had to issue directly. I was told by a Truist customer service agent that they are making system upgrades and there might have been an error and that is why the payment was not issued. I also heard from another customer service agent that when auto payments are revised they can take a month to take. Either way, the bill pay service that I relied on from my bank, which shows the auto payment for this account as " ON '' did not work as promised causing a late for me and a negative mark on my credit which I am desperately trying to improve and manage.

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 2020-03-04
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received information from LVNV Funding LLC in reference to an account they claim I owe {$690.00}. Ive never conducted business with this company and I sent several validation letters and fact act letter to the company who in turns sends me summaries of bills from a credit card company. I contacted the 3 credit bureaus that are reporting this illicit item on my credit file in an attempt to have it removed. The item is still on my credit file after I sent all three Bureaus the information I received from LVNVFunding LLC., and the item is continuing reporting on my credit report. According to the FCRA rules a debt collection agency must provide a signed contract bearing my name indicating I have conducted business with this company. LVNV Funding LLC refused to comply with the law by reporting this item on my credit file damaging my credit. 
I have not heard from this company after my last letter demanding them to produce a sign contract or contact the 3 Bureaus, XXXX, XXXX, and XXXX to remove the items until they have legally verified this debt belongs to me. 
I am request CFPB to conduct a full investigation of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The information for this account is incomplete and INACCURATE across XXXX  and TransUnion. 

Reported up to XXXX on XXXX  with a STATUS DATE XX/XX/XXXX with payment history ; STATUS : " Account transferred to another office '' XXXX XXXX # XXXX Reported the TransUnion with STATUS DATE XX/XX/XXXX with NO payment history ; STATUS : " Charged off as bad debt '' XXXX XXXX # XXXX Please remove, per the Fair Credit Act 611

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 2023-03-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I attempted to withdraw money from my 5/3 Bank account at a XXXX ATM on XXXX XX/XX/XXXX. The ATM whirred, etc. like normal but the door did not open, I did not get my money and it did not provide a transaction receipt. ( This was not the only time this has happened to me. ) I called my local 5/3 branch and was told to contact the dispute resolution dept. I did this, repeatedly, and it has been denied each time. 

During my XX/XX/XXXX call, " XXXX, '' a dispute center supervisor, told me I can NOT have any of the information used in this decision, including the ATM 's video of my transaction ( obviously showing my angry face after I did not receive my money ). I told her the letter they sent states I can request copies of the documents used in this decision. She told me it is a " form letter '' and may not be correct. 

The correspondence and notes related to this are in the attached pdf file. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
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:
Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with XXXX XXXX XXXX about this incident. 

I have notified : XXXX XXXX XXXX, XXXX Portfolio Services and Portfolio Services about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was XXXX My XXXX XXXX XXXX XXXX along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Someone was able to open up fraudulent accounts because they had all my info from the XXXX. The fraudulent accounts were opened up shortly after my XXXX XXXX XXXX XXXX and my items were stolen. 


PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY PORTFOLIO RECOVERY ASSOCIATES Account Number XXXX Balance {$2200.00} XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Phone Number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: DISCOVER BANK
State: NY
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:
On XX/XX/2016 I opened a Discover credit card. I always make my payments on time. During the time of my divorce i was late on some payments. I since then have paid of all the entire balance and the account has been closed. I had during the time of my divorce spoke to a manager at Discover who assured me that they understood my situation. I was told that if i paid of all of the balance on the account that not only would the account be closed but that they would remove any delinquency reporting on my credit score. As of XX/XX/XXXX the delinquency is still reporting on my credit. I have a XXXX  $ balance and the account has been paid off for a really long time. I called again and another manager reassured me that everything would get removed as of last billing cycle. IT has not. At this point I am trying to get a loan for a mortgage and this is severely affecting my ability to qualify. Discover had promised me by now that this would all be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On the date of XX/XX/XXXX, I checked my credit report as I normally do monthly. I noticed that i had inquiries appearing on my credit report that I was unaware of. I reached out to the credit reporting companies and was told to file a police report, in which I did and faxed it over. Unfortunately this issue has not been resolved. I have once again listed the inquiries that appear. 

XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/22 - Received a letter from Credit Management , LP to collect an alleged debt of {$260.00} for XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX under File number XXXX but this is not my debt and now my credit is negatively impacted by this false claim.

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 2023-11-18
Company: DK Auto LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I recently went to purchase a vehicle from DK auto and was told that I would pay no more than XXXX on down payment so once I got there completed application I was told XXXX down after the paperwork was printed the salesman tells me I would have to pay an additional XXXX in pick up payment which wasn't said in the beginning ok so we do paperwork after I left the lot not even a hour check engine light come on a call to inform them was told to keep driving and it should go off still didn't called and was told to come in so they can look at it I did they put a gas treatment in and told me to drive some more I did light never went out I called a week and a half straight no answer sent text nothing until the pick up payment was due that they added on i reached out to let them know that I could not make the payment that soon no answer they repo the car that I haven't even had nothing but XXXX weeks leaving me to loose my job I feel scammed this not right other consumers have reported similar issues and nothing has been done about it time to take action

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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.

has violated my rights. Or a list of inquiries : 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.

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