BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I made payments as needed for all months in XXXX. The credit card company said they did not receive XXXX or XXXX. I provided proof from my bank they were paid and even went as far as to set up a conference call between the credit card company, myself and my bank. After the credit card company refused to apply the amount to my credit card account balance and remove the late fees, I went ahead and placed a stop pay on the 2 months of payments and paid the credit card company {$400.00}. I was told that my next payment would be due XXXX. Since that time I have been receiving XXXXXXXX phone calls per day saying that because my credit card balance is over the limit by {$500.00} that I need to pay them now regardless of what was said/done when I paid the {$400.00}. I have referred the callers back to XXXX at the credit card company to go over the particulars yet the calls do not stop. To make matters worse, they have now reported me to the credit bureau and said I 'll need to dispute it with them. 

Please help!!! I made my payments as I was supposed to however, they did not process them ( Proof provided from my bank. ). I paid them an agreed upon amount in XXXX XXXX with the understanding from XXXX on their Executive Communications Department that my next payment was not due until XXXX. Despite all of this, I 've now been reported to the credit bureau and receive multiple phone calls per day, even while at work, harassing me to pay my over limit balance immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/2016, I Unsubscribed from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Since then, Diversified Consultants has contacted me several times during which I explained that I had already unsubscribed prior to the last billing statement ; and the XXXX XXXX Representative told me I DID NOT OWE anything further when I returned their modem in XXXX XXXX, Texas. Since then, Diversified has attempted to call me many other times while USING XXXX XXXX as their phone ID. I 've spoken to at least 4 of their calls ; and have since blocked their calls ; but they continue to harass me. The number last used is ... XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint:
Capital One was repeatedly sending me credit card applications by mail. I finally called them about what they had to offer. After calling for information, I notice that they have hit my credit report with a hard inquiry!! I NEVER AUTHORIZED THEM TO RUN A HARD INQUIRY ON MY CREDIT REPORT. I have called them several times to no avail. They just keep stonewalling me with the " too bad, so sad '' routine. 
I have read reports online of them doing that to many, many other people. Why does n't some government agency put them on the red carpet and make them stop? 

Thanks so much for your help in getting this hard inquiry removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692. I HAVE DIPSUTED THIS FRAUDULENT ACCOUNT SEVERAL TIMES. ITS CAUSING ME A LOT OF UNNECESSARY HARDSHIP. PLEASE REMOVE THIS FRAUDULENT ACCOUNT FROM MY PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card
Issue: Advertising and marketing

Complaint:
I opened my capital one credit card about 2 years ago in XX/XX/XXXX. When opening the card I reviewed the options and went with their Platinum MasterCard which explicitly states there is no annual fee. I have been charged a {$19.00} annual fee for the past two years. Each time they have offered to waive it on a one time basis. I was told on XXXX/XXXX/XXXX at XXXX EST that it is part of my terms and unless I have the paperwork from over two years ago they will not change it. I was also informed by a supervisor that it was possible that I applied for a card with no annual fee, but they while processing the application added on an annual fee. For me to submit an appliaction for a card which has one benefit being no annual fee, and for that application to be " approved '', yet it is not approved since they changed the terms is extremly misleading and deceptive. The link below clearly states in the disclosure for this card " Annual Fee : None. '' even further down in the disclosures there is no mention of annual fee subject to change based on application. 
This is the information they are required to provide for me to make an informed decision and it is the information I used when I decided to apply for this card. I entered the agreement using their information, on their website, which clearly states in no uncertain terms there is no annual fee. 
I have tried to work with their customer service to have this remedied to no avail. I am not asking for any refund as they have waived the fee each year, simply that the fee no longer be assessed in the future. 

https : //www.capitalone.com/credit-cards/platinumXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-25
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I cancelled my XXXX ( mifi ) service in XX/XX/XXXX. XXXX continued the service and continued billing me for three months after contacting them XXXX times. They show that I owe {$110.00}. I have sent letters, community care posts, made phone calls, sent proof that I did not use the service, and told same to collection agency. They stopped calling and sending collection notices for a while, but started again ( XX/XX/XXXX ). XXXX is still showing money owed and the debt / collection is now on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had a loan from Wheels Financial Group , LLC aka LoanMart for a vehicle while I was in the XXXX. I notified them that I was being called to XXXX XXXX and then repossessed my vehicle. No notice of repossession or notice of sale was served prior to them choosing to auction off my vehicle. They recouped all of the balance owed on the vehicle with the exception of {$890.00}. The vehicle was sold on XXXX XXXX, XXXX and after 5 years I am receiving collection attempts in the amount of {$6500.00}. It is past the statue of limitation to collect and to report a debt under California Code of Civil Preceding subsection 337. On XXXX XXXX, XXXX I received an email regarding the payoff amount being {$890.00} and the amount would satisfy all collection acts and remove the debt. I contacted the company in an attempt to satisfy the debt and instead was told they would not settle the debt for that amount and I had owed the {$6500.00}. I began to question the email I had received and I was informed that if I did not choose to pay the full amount legal action would be taken against me. I was threaten with police action and also threatened with my current assets being ceased and wages being garnished. Since communication on XXXX XXXX, XXXX I have received harassing calls and emails attempting to collect the debt in the amount of {$6500.00}. They have violated the Fair Credit Reporting Act and also, the Soldiers and Sailors Act. Also, in none of the correspondence sent by LoanMart did it state as a disclosure that the company could n't sue me. I was ready to pay them until a friend had informed me that their actions were illegal and I needed to pursue them legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Company called saying that I owe them for an alleged XXXX bill. The woman on the phone threatened that this would go into collections and that they 'd garnish my checks. 

I do not know Diversified Consultants, I have never agreed to do business with them, and they are not mentioned on any contract I have signed with anyone. 

I demand that they cease communication and threats with me, and that they remove any traces of their company that are on any of my credit reports. I demand FULL VALIDATION of this alleged debt, including the original contract for the alleged debt signed by me with their company mentioned on contract showing that they have some interest to protect, proof of assignment or ownership and a full chain of assignment, full accounting of the alleged debt, and proof that it is inside the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: We Collect Inc
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
they are overly charging me for for cleaning. they are charging me a XXXX dollars on top of the XXXX $ paid to them. I do n't think that injust because they say that they want this money that they should be able to put this on my credit report I lived in a XXXX sq ft duplex that I defiantly can replace everything in the house for XXXX $ the deposit that was they with held. They are overly charging me. and this big amount is keeping me homeless. because no one will rent tome because I owe XXXX XXXX an in proper amount that they are being no help to. first off all this duplex is a box they only thing came with the duplex was a refrigerator and blinds and walls. I left the kitchen exactly how I got it and they bathroom to no damage to anything so I do n't see how replacing a few blinds for they window and maybe painting the walls again can cost XXXX dollars I lived there more then a year in a half so of course the walls would need to be painted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Starting in XXXX XXXX, I noticed my USAA checking account ending in XXXX was suddenly in the negative ( over {$1500.00} ). I had not made any large purchases to create this negative balance. I spoke with USAA who informed me that my account was negative due to multiple {$800.00} transfers ( deposits ) coming from an external account I did not authorize -- an external account which had been closed with no activity for over 2 years. USAA claimed that the external account was nicknamed " XXXX, '' however, this name is unfamiliar to me and I have never nicknamed any account " XXXX. '' These {$800.00} deposits all bounced in my USAA account due to NSF ( non-sufficient funds ), but strangely, these bounced deposits resulted in an {$800.00} debit to my account every single time without any obvious transactions showing withdrawals of these NSF deposits. USAA was confused and could not provide evidence of where the money went FROM my account, despite my repeated requests. The bank also refused to close my account during the fraud investigation, resulting in a final negative balance of {$5500.00} ( {$790.00} and {$4700.00} ) when the account was closed on XXXX XXXX XXXX. 

I am not trying to gain any money out of the situation. I have stayed in constant contact with USAA since the first moment I noticed the fraudulent activity on my account, however, as shown from the attached timeline, USAA has repeatedly refused to give me the account statements and other documentation, denied me access to USAA online to reconcile my account, discontinued business with me, and otherwise acted unprofessional and unwilling to help me rectify the situation. After speaking with a XXXX XXXX Legal Assistance attorney, and with USAA refusing to work with me, I am left with no choice but to file a CFPB claim for assistance. The NSF money that was transferred from the closed account to my USAA account, thus bouncing, was not my money and I did not authorize the withdrawal transactions. I would like for my account to return to normal status and the situation to be over. I greatly appreciate any help that you can give!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I ca n't believe the horrible service I am receiving with USAA. I got an auto loan XX/XX/XXXX and it was paid off XX/XX/XXXX ( to make room on our debt ratio for a new home ). Up until that point, the loan was reported as paid as agreed with no lates. 

Suddenly when I paid off the loan, the loan was reported as having a 30 day late payment. To me, it is suspicious as to why that payment was never reported late before, but when I decide to pay off the loan, now it 's late? So I investigate further. After investigation, there was a payment in XXXX that was made to them, but never applied to the loan. The bank says they never received the payment. So, I find out that XXXX XXXX issued a cashier 's check to them on XX/XX/XXXX, but the check was never cashed. After further investigation, I find out that the check was delivered to them on XX/XX/XXXX via XXXX and delivered to the front desk. Their response, they never recieved the payment, so it is not a bank error - and they left the 30 day late payment on my credit report. This XXXX late payment caused my credit scores to drop XXXX points on XXXX bureau - XXXX points on another and I 'm still waiting on the last bureau to get this negative information. 

On my credit report, I have no late payments and my other loans with USAA are always made on time. This XXXX missing payment is truly an anomoly. Instead of fixing their mistake, they continue to give me the run around. They tell me that they are researching it, but most likely it is n't a banking error. They tell me that even though they signed for it, it still is not their mistake. When I asked why, when I called to inquire about the late notices I was getting, they kept telling me that there was a small balance left over from the previous month, even though payment was made for more than the payment due amount. I was told to disregard the notices. 

My question is if I have proof a payment was mailed to them, and signed/delivered to them by XXXX, how is this anything but a banking error?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I sent a western union ebill ( WU Pay ) for the amount of {$260.00} to Western Union which was withdrawn from my account on XXXX/XXXX/15. The should have been available in 1- 3 days. After 3 days, I did n't receive a email confirmation of the funds being available in my western union account. I called XXXX XXXX, XXXX XXXX and XXXX XXXX and was told my funds were not available because my bank did not release the funds. Each day I called I was told they were escalating my issue to the WU department and will be notified in 24 hours ( I never was notified ) .On XXXX XXXX, a representative of my credit union on I conference called Western Union. My credit union representative spoke with a Western Union representative and confirmed the funds were released on XXXX/XXXX/15. The Western Union representative stated he will escalate the issue. However, i have not received a refund of my money. I 'm concerned that Western Union is using this " lost funds '' tactic to keep funds that are somehow lost in cyberspace. How many people has this happened to?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: DISCOVER BANK
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I received a call in XXXX that my private Discover Student Loan ( serviced by XXXX XXXX ) was in default and there was nothing I could do to bring it out of default. I was attending school and somehow the information was not relayed that I was still in school. The representative informed me that if I did not make payments, they could garnish my wages. I did not have the money at the time to make a payment. The loan servicer has continued to call me aggressively. The loan servicer also made calls to my family. Recently, I went online to try to make a payment but the account now States " referred to law firm ''. I also noticed additional fees were attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I was contacted by Diversified Consultants dbs DCI on XXXX/XXXX/2016 regarding a XXXX Bill. I spoke to a woman by by the name of XXXX who told me that I was able to set up a payment agreement. I did not want this reported on my credit report so therefore I inquired about a settlement agreement. She told me that I was able to make XXXX payments of app XXXX and the debt would not be reported on my credit. On XXXX/XXXX/2016 I received an alert that information had been added, so once I go check, I see not only did they do an inquiry on my credit without my permission but they added the same debt 4 times on my report causing my score to significantly drop. I immediately called the company back and after multiple calls and emails they call me back on XXXX. i spoke to XXXX and informed her on what was going on and she tells me that I had a certain time frame to pay the bill. I said well why was that not told to me before making the settlement because had I known, I would have taken care of the debt prior to then. She places me on hold and her supervisor, XXXX, comes to the lines and tells me that it will remain and that an update will be made. I informed him that these are unfair practices and this is not what was explained to me when I set up the agreement. The stance of the company is that they are not removing it and will continue to collect on the debt, which is unfair to consumers who are making efforts to pay their bills. I was never made aware of any time frame and it was never stated that the debt would be reported. As I look as review about this company, XXXX other people have had the same complaint with this shady business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
About 2 years ago I received a notice from XXXX stating that I was past due on my cell phone bill for about {$680.00}. I contacted them and we went over every inch of my bill and they agreed that I did not owe the payment. Later on I received a bill from a collection agency stating that I owed XXXX the amount listed above. I contacted XXXX again and they said they would take care of it. About 2 months ago I have been receiving phone calls and statements from the same collection agency about the same charges. I do not owe this money and I have NEVER missed a payment. I am tired of all of the collection calls and notices. I want XXXX to fix this and guarantee not harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
FYI, On XXXX XXXX, XXXX XXXX XXXX called his XXXX account to check the balance. He discovered that his account balance was {$12000.00} in the negative. He contacted his father to see if he had any knowledge of why his account would be negative. 

On this same date, XXXX XXXX XXXX went to a local XXXX Bank, XXXX XXXX, Texas branch to discuss the account. At this time, it was revealed to him by the local branch that there were XXXX online transfers from his XXXX to his USAA Federal Savings Bank. 

XXXX XXXX XXXX advised the bank that he never authorized the transfers. On this same date, he was advised that there was a USAA local branch in XXXX XXXX, Texas that he could visit to discuss the transactions. 

On this same date, it was revealed to XXXX XXXX XXXX that his accounts was fraudulently taken over. Additionally, he was notified that someone somehow gained access to his account, requested a debit card, changed all security notifications to a number. 

Last information on the account is that all of the charges are over {$25000.00}. 

USAA Fraud Department XXXX x XXXX ; Case # XXXX USAA has informed us that the violator requested a debit card from USAA and that the debit card first XXXX digits are : XXXX the last XXXX digits are : XXXX The debit card was sent to : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX violator 's Cellphone # XXXX USAA has since informed XXXX XXXX XXXX that they have made a business decision to terminate his membership and has determined that all funds owed are his responsibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation