BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-05
Company: Sequoia Financial Services
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:
XX/XX/2019 Sequoia Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : Sequoia Financial Services Account # XXXX Social Security No. : XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

Sequoia Financial Services did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
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:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX Account # XXXX Social Security No. : XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2023-01-18
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 is showing 2 items in dispute and TransUnion and XXXX are reporting 1 account in dispute. I have not disputed these accounts and wasn't aware of that status until a lender pulled my credit report. I mailed a request to all three bureaus requesting they remove that verbiage from my credit file and they have not done so and it has been over 45 days since it was requested. Both accounts are in great standing so there would be NO reason to dispute them.

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 2023-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX of 2022 I had a wire deposit from XXXXXXXX XXXX  to my Capital One account and the amount was {$35000.00}, I transferred funds to my crypto account in order to start investing, and my transfer was reversed, and my account was locked. When I contacted Capital One, though it was acknowledged that my transfer came from XXXXXXXX XXXX and that there was a valid and verifiable receipt from XXXX XXXX  that I needed to physically go into the bank specifically capital one the issuer of the wire deposit. When I asked the back office representative how long does it take for my funds to be verified before I do receive my funds it was stated 90 days. 180 days go by and I reach out to capital one I referred back to what was stated to me when I questioned the supervisor that I was speaking to at the time about how long it would take for my funds to be verified. I stated that its been 180 days and if the funds have not been reversed and XXXX XXXX has not issued for capital one to return the funds that those funds are valid and what was the reason for why my funds are being held. Capital One back office representatives and supervisors would continuously hang up on me when I started to ask questions about why my phones are not being released especially if its been over 90 days. Before I questioned The supervisors and was repeatedly hung up on, my account was not closed when I continue to question, why are my funds not being verified? That its been well over 180 days which gave them ample amount of time to verify my funds and now my funds are valid. They stated that my account is now closed and I will not be getting my money at all, and hung up the phone on me. I am scared because this is money that I saved and I thought that I could trust this company with my money but my account has been collecting interest all this time, but I was told my account is closed Im still receiving statements from this account but they stated that its closed and that no money can come out of the account but something is telling me that someone in that company is not telling the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: U.S. BANCORP
State: OH
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:
I received a letter in the mail with an attached US Bank Cash+ Visa Signature Card that was stated to replace my current US Bank Visa Platinum card. My current card does not expire until XX/XX/XXXX. The wording on the top of the letter states : " Congratulations, your account has been upgraded to a new U.S. Bank Cash+ Visa Signature Card . '' For clarity, I intentionally do not carry a rewards card as I am familiar with interchange fees and try to consider my small, local businesses whenever possible. I am also employed by, and work very closely with, a small business owner. I see exactly how much extra money goes out due to processing rewards cards vs. regular credit cards. 

When I called US Bank to figure out what was happening, I got several responses ranging from " Your current card is no longer offered '' ( It is currently advertised on their website ) to " We do automatic upgrades for cards that have been inactive for 2-5 months '' ( My last activity on the card was a purchase on XX/XX/XXXX for {$970.00}, a purchase on XX/XX/XXXX for {$94.00}, and a purchase on XX/XX/XXXX for {$67.00}. These were all paid off within two weeks of the purchase date and none fulfill the claim of 2-5 months of inactivity. 

When I asked if I could simply not use the new card for the reasons stated above, I was told that the change affected the account and not the card itself. So, while I received no communication, submitted no request, and gave no approval or permission, my current card was changed to a rewards card in early XXXX. When I asked them to simply change it back, I was told that it wasn't possible to change back, and I would have to close the account and re-apply. I was later told by the manager at the call center that the product services department usually ran offers 2-3 months after automatic upgrade campaigns to downgrade cards back to their original status. I was also told by the same manager that the campaign affected around 5200 customers after being told by a previous employee that it affected 52,244 customers. When I pressed to get in touch with someone who could change my account status I was told that no one above her takes calls from customers and that I was free to fax or write them my questions/requests. 

I felt like this situation was relatively ridiculous considering my end goal was simply to keep the card I had. When looked at ethically, it becomes more questionable on the larger scale. It is reminiscent of the XXXX XXXX scandal in recent memory. Especially when you consider the lack of communication or input from the customer side.

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 2019-03-05
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
During most of XX/XX/XXXX and XX/XX/XXXX, I would make my monthly loan payment and pay extra towards the principle amount of my loan. Santander Consumer Loans decided to take the additional money paid and put it into an Misc Fees and not apply it to my principle. It took months of phone calls, lies from representatives, and numerous arguments until I took my statements to my bank and called with a bank representative. It was not until then that my account was rectified. Now XX/XX/XXXX, the same issue is happening. I get told that " if I pay a day early, I get charged more interest '' or " we have no obligation to apply your payments they was you wish ''. I have a payment in XX/XX/XXXX with {$90.00} towards principle, XXXX towards interest, {$30.00} towards fee payment, and {$83.00} towards another fee payment. That's just the beginning of dealing this scam company. Please help. They truly need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: BSI Financial Holdings, Inc.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Hello my name is XXXX XXXX I had a loan with BSI Financial that was transferred from XXXX XXXX XXXX in XX/XX/2021. When I was transferred over there was a negative escrow of - {$35.00}. I paid off loan XX/XX/2021 from a payoff statement of {$2900.00}. My normal payment is the 5th of every month so I paid the XXXX payment of {$87.00} i sent {$100.00} as I have since I had the loan. Then on XX/XX/2021 i PAID the payoff of {$2900.00}. This gave me a escrow balance of {$110.00}. I called about the refund from escrow and was told on XX/XX/2021 that refunds are sent 15 days after payoff. I told her it was paid XXXX and today is XXXX so its been 15days. She informed me that the refund would go out next day. I did receive a check for {$62.00} which left {$47.00} in escrow yet to be refunded. I have emailed them twice with no response. Today I am told that the invest says I came over negative ia the {$47.00} will go to the negative escrow. the negative was brought to positive starting with my XXXX statement, I am due the {$47.00} because per enclosed statements i no longer have a negative. 


BSI Financial Services XXXX XXXX XXXX XXXX / XXXX  XXXX  XXXX XXXX XXXX XXXX, PA XXXX Toll Free XXXX Fax XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: STERLING JEWELERS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/ 2019 Mr. XXXX ' wife, XXXX XXXX, contacted XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX in XXXX, FL, via telephone to ascertain what the procedure was for a repair to one of her rings. Soon after we received a letter that our account had been closed upon calling the financing Company XXXX XXXX  we were advised that the card we have had with XXXX XXXX for 5 years + and an account in good standing had been closed by us, upon re-battle the statement XXXX XXXX  Representative made up, to the point that they mentioned we had apply for financial hardship which it was incorrect, they also implied that I XXXX XXXX had called and not advised my wife ( which that is impossible as she handles ALL the household financials and just keeps me up to date ). A few days later come to find out that another account had been opened on XXXX XXXX2019 under my name with a credit limit of {$5100.00}. A charge was then also made via XXXX XXXX  online in the amount of {$5100.00}. I attest and swear under oath if needed that I XXXX XXXX nor XXXX XXXX requested for our current XXXX XXXX account to be closed nor have ever requested to open a new account. We the XXXX 's wife and husband have spoken with several representatives from XXXX XXXX and have opened a fraud account with their card services provider, XXXX XXXX XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: CITIBANK, N.A.
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citi avoids to acknowledge my XXXX XXXX account was totally locked, and my money completely inaccessible to me from at least XX/XX/2022, when I first noticed. I eventually received the check for my money on XX/XX/2022, making XXXX days that I had no access to my money. 

Instead of doing what is right for its savings account clients, Citi chooses to hide behind their XXXX XXXX for Consumer Accounts. 

Where is it shown in this XXXX XXXX for Consumer Accounts, that all money on deposit in a client 's account will suddenly be locked and made 100 % inaccessible, for an open-ended unspecified amount of time? In my case, ending up being XXXX days. ... XXXX days of my fighting with Citi 's dishonesty before they finally gave in, and gave my money back to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX my bill for account CAPITAL ONE BANK USA Opened XXXX XXXX, XXXX did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: EQUIFAX, 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, 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 2019-03-05
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I lost my wallet which included my XXXX  XXXX  debit card # ending XXXX along with other card accounts and pin numbers, while out running errands back in XXXX. While lost someone found my wallet and proceeded to make unauthorized atm charges on my account on XX/XX/19 in West Virginia. I live in VA and spend a lot of time In NC but rarely if ever travel to WV. I reported the fraud and the bank refused to honor my fraud claim and refund the charges.

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 2019-03-05
Company: COAST PROFESSIONAL INC
State: ID
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been paying Coast Professional INC {$100.00} a month for 7 years. Every 6 months they call me to get my authorization to continue to collect the $ XXXX monthly. When they called me two months ago in XX/XX/2019 I gave them my authorization but they needed me to repeat my checking account info of which they already had. I told them that if they called me when I got off at 6 I would provide them with it but they never called. I called them twice in the last two month with no call back from them. This past Friday XX/XX/19 they garnished {$300.00} with a total of {$600.00} per month although I was never in default with them and have paid on time every single month. I attempted reaching out to them XX/XX/19, XX/XX/19 and XX/XX/19 but was put on hold for 20 minutes then transferred to their voicemail. I have been in good standing and would like Coast Professional to do what it right, take ownership that they did not call back and let me continue to pay my student loans appropriately. I would also like to state that my balance has remained the same ( {$17000.00} ) for the entire deration of my time paying them. How can a persons loan never go down if they are paying {$100.00} every month?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
XXXX XXXX XXXX aggressively advertises loans for witch you can apply without credit report impact. Once you do, an an operator will try to coax you into applying for a secured loan you get a hard inquiry on your report. This is false advertisement and hurts consumers.

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 2023-01-19
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: EQUIFAX, INC.
State: AL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XX/XX/2020 I got some calls on my cellphone. I goggled the phone numbers and they came back to Portfolio Recovery. The latest call was at XXXX XXXX at night PST. 

They do not have my permission to call this late. They have been calling from numerous numbers which they keep changing for a debt that is 6 years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello! This has to do when the pandemic started and I had to move out of my apartment in 2020. There was a utility bill that I never received. I'm not sure if it was a result of the confusion that went on with the start of the pandemic and maybe it got lost somewhere. I thought I had paid the balances left for my apartment complex told me I was good to go. I just was unaware of it and if I was properly notified I would have done my best to resolve the payment.

Company response to consumer: Closed with explanation