BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-30
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
SunTrust closed my account when the IRS sent my third stimulus payment of {$4200.00}. 
Irs said they sent the payment to SunTrust but SunTrust closed my account without any information. 
I file the form 911 with the IRS and a trace and SunTrust go the money and did not release it back to the IRS when they wrongfully closed my 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 2018-09-04
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
i have an XXXX XXXX XXXX car loan # XXXX XXXX for {$260.00} monthly and all XXXX credit bureaus have removed or blocked from my credit file. I called and they said i disputed is as fraud and I DID NOT. I ASKED TO HAVE IT REPORTING AND THEY SAID THEY COULDN'T. I called the credit union and they said it was a credit bureaus issue.

I need this back on my credit as it is my account and i need it showing. Please get this fixed by having it report on all 3 bureaus I never filed any fraud dispute with this loan

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 2018-02-28
Company: Diversified Consultants, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I discovered a {$3800.00} past due notice from XXXX against me with a collection agency. Having always maintained an 800+ credit score, this was noticed immediately. 

I called the agency who took my information and sympathized then immediately sent me an invoice for the debt. I then filed a police report and sent it along with a letter of explanation to the collection agency, XXXX, XXXX XXXX, XXXX, XXXX. Not once, but twice. Today I received letters from XXXX and XXXX   who stated they received confirmation that this debt was mine. What?! 

On each of the credit bureau forms, it lists prior addresses. I pointed out that all on my list are correct except for the address in Michigan ( where I have never been nor lived ). I told them that is where the 4 brand new iphones must have been delivered and to please follow up. I also asked XXXX to confirm where they were shipped. NO ONE would even look at it. All of them say it is my debt.

Now, if you look at my pathetic 3 year old XXXX XXXX, you will realize I did NOT purchase any XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14
Company: DISCOVER BANK
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I WAS NEVER LATE ON THE PAID OFF ACCOUNT, PLESAE SHOW ME DOCUMENTATION PROOF OF TRANSACTION SHOWING I WAS EVER LATE TO SUPPORT YOUR INACCURATE REPORTING ON MY ACCOUNT IF YOU CAN NOT SUPPLY THIS, PLEASE DELETE THIS ALLEGED LATE PAYMENT OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Multiple overdraft fees that were not reimbursed fully or at all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I noticed that my mortgage with Wells Fargo Home Mortgage was transferred on XXXX and I was not notified, despite the fact that the law states the old and new servicer 's must notify about the transfer of my servicing rights no less than 15 days before the effective date of transfer. 
I called Wells Fargo Home Mortgage and was eventually transferred to a XXXX XXXX at XXXX XXXX  ( Eastern Time ) after I threatened legal recourse. He said XXXX XXXX is the owner of the loan, and it is a common for loans to be service transferred. The terms of the loan will not change and a notification was sent on XX/XX/XXXX, by mail. 
I never received any notification by mail from Wells Fargo Mortgage on the transfer and I have not received anything from the new servicing company " XXXX XXXX XXXX  '' that was mentioned by a Wells Fargo Loan Specialist XXXX ( XXXX ) at XXXX Eastern time. XXXX promised to send another notification by email.

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 2018-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I am deeply concerned about XXXX XXXX and Bank of America trying to coerce legally operated businesses to change their business model and services to support the recent attacks on the 2md Amendment. Specifically, as long as the businesses in question are performing in a legal fashion, their lending and credit policies should apply equally to all businesses and not single out a specific class like firearm, ammunition, and accessory manufacturers. This attack on a specific class oon business is unacceptable.

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 2018-09-04
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I received what appears to be a prepaid card from netspend located in XXXX Texas. The mail was addressed to a person who does not live at my address. When I try to call the company to report possible fraudulent activity the number does not give you the opportunity to speak to a representative if you dont have an act number or it will ask you for a social security number. This is not the first time I received this from netspend. I placed a complaint a few months ago because they sent me a prepaid card and I never asked for this card. This company should not be asking for social security numbers in order to be able to speak to a representative. They have no option to call and report this type of activity. This is very deceptive to a consumer and should be looked into. I want to find out who is using my address for this type of activity.

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 2020-10-29
Company: Messerli & Kramer P.A.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account has been charged off by the original debtor. It is way past the statute of limitations. It has been sold various times over and over to debt collectors. Ive been a victim of harassment for over 11yrs. Since XXXX or longer Ive had wages and bank accounts garnished with no detailed proof that the debt is actually that of mine. Ive requested to see a print out or statement from the original creditor showing a detailed breakdown of every charge. A fradulent debt from years ago has now turned into this massive debt. I have no idea what I am paying for or how theyve reached the sum of over {$16000.00}. 

To this day, I have no proof of how the debt was created and again that the debt is actually that of mine. Years ago I explained to the credit card company charges were not mine. The credit card company agreed to look into it. I didnt realize fraudulent charges were made on this card in my name till months later. Unlike today you get a fraud alert immediately. Years ago this did not exist. 

Back then I was younger, inexperienced and had no money. I didnt know how to fight it or stop it. To this very day, the fraud continues to haunt and plague me. It is like a curse. 

I spoke with an attorney representing the firm in XX/XX/XXXX explaining that I had been a victim of fraud. He told me to take some time gather whatever info I can get and send it to him. It took sometime to gather all the information again after several years had passed. Some documents I had to send for others were in storage. In XX/XX/XXXX, I sent a huge packet of information, police report and other documents indicating stolen identity, forgery and fraud. They never once by mail or phone, even as a courtesy acknowledged that they received the information, would look into it, try to work with me and help clear my name. Nothing in a caring or consoling nature. 

But instead, by their actions they've proved to be the predatory debt collector who prey on the innocent. They sent me another garnishment letter. How insensitive! I feel like the fugitive, accused of a crime not committed. Will you please help me end this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting 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:
XX/XX/2022 XXXX XXXX reported a hard inquiry on my credit Profile I did not approve of this or know of even speaking with them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Tower Loan of Mississippi, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have no legal or financial relationship with tower loan but have been receiving harassing phone calls from the XXXX XXXX over someone elses debt. They have the contact information for the person they are trying to reach and have no reason to believe contacting me will provide any gainful or actionable information. I have confirmed they have spoken to the person responsible for the debt, at this time I have asked them repeatedly to stop contacting me as again I have no financial or legal interest with them. the repeated contact I feel is in violation of 15 USC 1692c Section 805

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 2018-02-28
Company: Navient Solutions, LLC.
State: AK
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last thousand or so dollars was turned back over to the State through the Alaska Commission of Post Secondary Education to satisfy the remanding balance of the loan. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska Commission of Postsecondary Education regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX XXXX, Navient XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska Commission on Postsecondary Education XXXX. XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska Commission of Postsecondary Education stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission.

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 2023-10-06
Company: Dave Operating, LLC
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Lost my debit card , card was used to take XXXX cash from atm , I was told funds would be returned within 10 days , havent received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Bread Financial 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:
Disputed with Comenity for an Ulta and Victoria Secret Credit Cards on XX/XX/23. Company received my disputes on XX/XX/23 as it shows according to the certified mail. It is now XX/XX/23 and I've yet to hear back from the company with a solution. The company agreed to remove from credit report but did not keep agreement after receiving payment. The FCRA gives the company 30 days to respond, I have not gotten a response. I've contacted the company multiple times via phone and certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Credit System International Inc went to calling and Harressing over and Medical Bill collection bill for XXXX XXXX on XX/XX/2020 for the amount of {$360.00} dollars inwhich my XXXX XXXX XXXX XXXX XXXX has denide the billing claim because their Creditor XXXX XXXX has summited the wrong name XXXX XXXX on the billing claim and sent it to Well Med instead of My health Provider XXXX XXXX XXXX verifying the spelling on the billing claim number XXXX. 
Inwhich my Legal Representative XXXX XXXX XXXX XXXX has proof of when they has sent Credit System International Inc and Legal Demand notice to settle Debt collection Harressment claim on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've ask for proof that it's my account I ask to send me documents of who open the account what was used... why is it on my report as verified why is the laws not sent to me about the fraud account that 4 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX my husband filed bankruptcy on a vehicle HE owned. It has been reported as XXXX on his report but shows I owe them {$3800.00}. I was never on loan. After that was discharged, magically they added the debt to my credit report as owing about {$3800.00}. They then hired a collection attorney in XXXX to sue me. In which I responded with all ORIGINAL ink signed paperwork-none showing my name. Covid hit and it got delayed. XXXX comes around they re-open the court case. I dispute again. This time actually getting a hearing and it being fully dismissed with predjudice. The company sent a letter XX/XX/XXXX, stating no $ is owed, however, for the last 5 years this has negatively impacted my credit. I have disputed it multiple times via the credit bureaus and by sending them letters. I want this FINALLY deleted from my credit in full, and the business should be fined along with the credit reporting bureaus.

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 2020-10-29
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an auto loan on my credit report with XXXX XXXX XXXX XXXX, the account was opened in XX/XX/XXXX. The account is charged off, I experienced financial hardships and was unable to make payments, the vehicle was repossessed. The account number on my XXXX  credit report is displayed as account number XXXX. It has a balance of {$14000.00}. My issue is : Yes, I understand that the account was charged off. My issue is why is it charged off 40 TIMES!!!!! I understand what a charge off is. When a company is unable to collect on a debt owed, over a period of time the debt turns into bad debt and is written off for tax purposes once. ONCE. A charge off is a one time event financially. Why does XXXX XXXX XXXX XXXX get to turn around and damage my credit 40 times!!!!! 1 charge off on my credit report is bad enough. This has to stop. I understand that I was not able to fulfill my obligations and a debt is owed. I get that. The 40 charge offs is extreme and abusive. If, I wasn't being abused financially with these excessive charge offs, maybe I could qualify for a consolidation loan and be able to take care of debts like these. These kinds of actions make it MORE difficult for consumers to come up with some kind of solution to fix the problem. I know XXXX XXXX shouldn't be able to charge off a single account 40 times. They charged it off once. Please let my credit report reflect the truth so that I can go out and find a solution and resolve.

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 2022-09-06
Company: Experian Information Solutions Inc.
State: NY
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, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-07-31
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I called Navy Federal Credit Union to inquire about the Servicemember Civil Relief Act and eligibility of spouses of current XXXX XXXX members. I was advised by the representative that I was eligible for the benefits and that my husband did not have to be on my bank or credit card account with them. On XX/XX/XXXX I received a call from Navy Federal advising me I was denied since my husband was not on my account. I was deceived by the company, which under the Dodd-Frank Act is unlawful. Navy Federal refuses to investigate the information I was originally provided and reconsider the decision made regarding the SCRA benefits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an auto loan on my credit report with Capital One Auto Finance, the account was opened in XX/XX/XXXX. The account is charged off, I experienced financial hardships and was unable to make payments, the vehicle was repossessed. The account number on my XXXX credit report is displayed as account number XXXX. It has a balance of {$14000.00}. My issue is : Yes, I understand that the account was charged off. My issue is why is it charged off 40 TIMES!!!!! I understand what a charge off is. When a company is unable to collect on a debt owed, over a period of time the debt turns into bad debt and is written off for tax purposes once. ONCE. A charge off is a one time event financially. Why does Capital One Auto Finance get to turn around and damage my credit 40 times!!!!! 1 charge off on my credit report is bad enough. This has to stop. I understand that I was not able to fulfill my obligations and a debt is owed. I get that. The 40 charge offs is extreme and abusive. If, I wasn't being abused financially with these excessive charge offs, maybe I could qualify for a consolidation loan and be able to take care of debts like these. These kinds of actions make it MORE difficult for consumers to come up with some kind of solution to fix the problem. I know Capital One shouldn't be able to charge off a single account 40 times. They charged it off once. Please let my credit report reflect the truth so that I can go out and find a solution and resolve.

Company response to consumer: Closed with explanation