BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
USAA Federal Savings Bank, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX is the name of the bank and Insurance Company. It seems I had people that were invited by a friend were not good people. They caused severe damage to my home and vehicle during XX/XX/XXXX thru XX/XX/XXXX. Then when my car was totaled shortly after that this company called and canceled my insurance and closed my checking account. They claim is was because I lied on a claim on tires that happened just 1 week before my vehicle was totaled. I lied on a claim that I had already paid for because I wanted to see what they would say as I had XXXX tires slashed in XX/XX/XXXX that I had paid myself. I thought they would be understanding but I just had many claims and I feel they were looking for a way to just get rid of me. I did not know the persons that were living with me were drug dealers and sold drugs out of my basement. After they were arrested I was able to freely enter the basement with the police and found evidence of what they were arrested. I feel bad I could not do more to help the insurance company get some of their money back. When I was notified my car had been taken and I had to walk everywhere. 
The pain I had on my left side was very bad from the accident. I had to beg and pay people to take me places which was very expensive. Too much happening for them to cancel me now. Since I am a XXXX I feel I was discriminated because of my age since I am XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, 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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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
Consumer complaint received 2022-05-23
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sequoia Financial Services contact my elderly mother who suffers from XXXX XXXX  and claimed I owed {$370.00} dollars for some unspecified debt. My poor mother called me in a panic asking if I need help. I monitor my credit report diligently ; I have no accounts in collection and have never received any written communication from them. The account rep I spoke to wanted to debate with me and I was not interested. Disgusting tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: ALLY FINANCIAL 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: Reporting company used your report improperly

Complaint:
I was trying to buy a car and they used my information improperly

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 2016-08-26
Company: WELLS FARGO & COMPANY
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I had a Student Loan with Wells Fargo from approximately summer XXXX XXXX XXXX a semester before graduating from XXXX College. I finished my XXXX XXXX in XXXX XXXX. 
Wells Fargo sold my loan to XXXX and I am currently in default and they want to garnish my pay or take money from any income tax returns by XXXX/XXXX/XXXX. I did not get a job from the courses I took which I am paying for. What steps do I need to make for the settlement? What documents do I need and where do I send it? 
XXXX XXXX XXXX : My address : XXXX, XXXX XXXX XXXX, NY 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 2016-12-14
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Receiving numerous calls to collect a debt. Never given the name of the agency phoning. States it 's an attempt to collect a debt for XXXX XXXX XXXX. Informed them not to phone as I this is n't my debt. I 've been a victim of identity theft twice. Have police report & court documents showing individuals charges & time served. They refuse to stop phoning. As a XXXX senior, this is causing health issues regarding my anxiety, causing panic attacks. Please have them stop harassing me. This is not my debt Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
My now exhusband jointly held a usaa XXXX credit card with me and we accumulatedcabiutv XXXX debt. In court divorce debt not allocated even though through freedom debt he said he paid this and only later said he pulled out and they were suing me by his name was not on the card. It was he had it removed them filed with frredom debt then they erroneously sued me. He signed a contracact taking on that debt. Now there is a judgement on my record that 's incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/XXXX I transferred {$910.00} from my XXXX XXXX XXXX ( XXXX ) ckg acct -XXXX to my USAA ckg acct. -XXXX. I then scheduled my mtg payment to be debited from my USAA -XXXX ckg acct. USAA placed a hold on the funds until XXXX/XXXX/XXXX even though the funds came out of my XXXX acct that night, and I provided USAA with verification. I em 'd USAA & rec 'd a response from XXXX XXXX. She said it was against federal regulations to release the hold. I ask what reg & and was told it was the Electronic Fund Transfer Act of XX/XX/XXXX. My daughter has worked for XXXX XXXX for 18 yrs. so I asked her if this sounded right, she said no, there was an exclusion for customers transferring money between banks " Any transfer of funds for a consumer within a system that is used primarily to transfer funds between financial institutions or businesses, e.g., XXXX or other similar network. '' She said to look on the USAA website for their policy re transfers, so I did. It said the money would be available right away, within a few business days, not a week. I then called XXXX and ask them, they said USAA could lift the hold at any time just show them the completed transfer from my XXXX, but they said it was nonsense as USAA already had this. But I provided it to USAA, XXXX XXXX anyway. She again said there was a federal reg prohibiting lifting the hold. I told her this was simply not true. 
Hide additional information for activity type other payment XXXX USAA CHK-INTRNT XXXX/XXXX/XXXX : XXXX : TRANSFER ID : XXXX INDN : XXXX XXXX XXXX ... 
Edit Description activity type other payment status type icon cleared XXXX. Select to mark activity type other payment XXXX USAA XXXX XXXX : TRANSFER ID : XXXX INDN : XXXX XXXX XXXX ... as Reconciled -XXXX XXXX Type : Other paymentDescription : USAA CHK-INTRNT DES : TRANSFER ID : XXXX INDN : XXXX XXXX XXXX CO ID : USAA FT WEB I then called XXXX XXXX, a manager at USAA whom I had dealt with on another occasion. He said my average daily balance was less than {$910.00} so they would not lift the hold even though they knew the money had actually cleared. He also said it was against 'federal regulations '. I told him it did not say this on their website, and there was no federal regulation. 
It the interim my mtg payment processed and was declined, then USAA charged me {$29.00} NSF. This is outright discrimination and illegally holding of funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent my 2nd letters off to XXXX, Equifax, XXXX on Monday XXXX XX/XX/2022. Here is my tracking number Equifax # XXXX, XXXX # XXXX, XXXX # XXXX. I told the credit bureaus to " investigate every piece of informaton '' on the accounts I listed. 

According to the FRCA. The term '' investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom with whom he is acquainted or who may have knowledge concerning any such items of information. 

Attached is the letters I sent out in " Good Faith ''. 
Also to remove all information that was not 100 % accurate. According to the fair credit reporting act 15 USC 1681. I have the right to privacy and everything has to be 100 % accurate. Also according to 15 USC 6802. NO financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 someone walked into a Truist Bank in XXXX XXXX, FL and walked out with {$21000.00} of my money. The branch manager will not return my calls, nor will they speak to the police, nor will they show me the video footage, nor will they credit my account after it was clearly fraud. I live in NC. This was 3 weeks ago and I have spent nothing short of XXXX hrs trying to get a resolution. No one at my local branch will pick up the phone or return my calls. When I take time off work and go to the bank, they wont give me any information. They also froze my account and wont let me access ANY OF MY MONEY FOR 3 WEEKS! Please help me!! This is insanity!

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 2015-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My escrow amount was amortized over 60 months. Suddenly, Capital One decided to shorten the amortized period to 48 months. This has caused extreme financial hardship for me. Today, after numerous attempts, I spoke with one of Capital One representatives, XXXX ( ID number XXXX ) who told me there is no supervisor or Customer Advocacy Team member to speak with me regarding my complaint that my escrow payment was increased. 
Furthermore, the correct escrow amount is {$28000.00} NOT {$33000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: WELLS FARGO & COMPANY
State: NM
Product: Credit card
Issue: Delinquent account

Complaint:
Wells Fargo deducted {$16000.00} from my personal account to cover a debt that my daughter and son-in-law had incurred with them as a guarantee for a business they own. Wells Fargo stated that they were allowed to do this because of the fact that in XXXX of 2015 I placed my daughter as joint on XXXX of my accounts. I put my daughter on the account as an act of estate planning so she would have easy access in case the need would arise for medical issues etc. for myself. Not my daughter nor my son-in-law had invested a single penny in the account prior to or after I added my daughter to that account. The money had been placed there by myself and my deceased husband which can be proven by where the deposits came from which was from our work or our personal tax returns. My daughter also did not spend any of the money in the account as it was not hers and did not have permission to do so!!! I did not know what was going on with the debt that my daughter and son-in-law had incurred with Wells Fargo or that they were behind on payments. I was never alerted about the debt by Wells Fargo prior to Wells Fargo taking the money out. I had never gotten any mail from Wells Fargo in my daughters or son-in-law name prior to the deduction from my account. After the deduction from my account I started to get mail from Wells Fargo addressed to their business and then also my daughters name as though they were trying to associated the debt to my address and to me. I contacted Wells Fargo personally and was told nothing as I was not the business owner, but yet they can take my money from my account. I submitted paperwork at the local branch and all I got told is that they were allowed to do this. I had an attorney mail a letter and it was ignored ( Attached ). I had nothing to do with the debt of the business that was guaranteed by my daughter and son-in-law or had any doings with their business in any fashion. The debt was solely theirs and not mine. The fact that I put my daughter on my personal account for estate planning and to help ME in case of medical needs and for Wells Fargo to take MY money that my husband and I worked for not my daughters money is outrageous!!!!!!! She had XXXX contributions to that account and it was not hers!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On or around XXXX XXXX 2015, I called Capital One to close my Secured MasterCard account. The representative confirmed that this account would be closed and provided information with regard to receiving my security deposit. Instead of this, the representative closed my unsecured Visa account of which I was not aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Recently I contacted my credit card Capital One to find out how much the minimum amount was due for payment and was told that {$120.00} would suffice. Once I paid the bill a few weeks later I had a family emergency where my dogs XXXX was XXXX and we raced to the hospital to tend to him. At the time I needed gas so that I could return back with the family and I had my sister and my XXXX mother in the car with me. Over the internet the credit card indicated that I had monies available. To our shock and surprise, the card was declined because I later found out that there was a hold on the credit card. I can not explain the weight of how embarrassed and mortified I was in front of my family and the gas station attendant. Why would the Capital One website indicate that monies were available? To add insult to injury, the customer service representatives were clearly unfazed by my plea and situation. They were rude, unprofessional, abrupt and quickly disconnected the call. Prior to the disconnect, I was also told that I had to pay an additional {$75.00} with no explanation. At this point, the responses I received were callus, rude and abrupt. No one ever explained where this amount came from however when I checked back and got a supervisor I was told that I did n't owe {$75.00} because the money was waived for some odd reason. I am still unaware why I was charged initially and why it was waived. Maybe it waived due to the cruel and horrible treatment I received. To date, I needed the monies for food for my family since the amount available had changed from gas money to {$59.00} being available. Realizing that this company communicates one thing and is not always forthcoming, I decided to contact them before I embarrass myself it I used the card and it was declined. Now I am being told that I need to pay {$24.00} because when I previously paid {$120.00} I needed to pay {$140.00}. Why was n't this information made available to me previously? Why was I charged {$75.00} and then it was waived? Why does it say that I have available credit over the internet and phone line when the card has a freeze/hold on it? This company is unethical, unprofessional and constantly misinforming me regarding my bill. I have no idea what is going on and they need to stop. What 's in my wallet is nothing because I am constantly being mislead by a heartless company that refuses to make any exceptions to life 's situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Merchants Credit Corporation
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Made contact on XX/XX/XXXX by Phone ( XXXX ) XXXXLocal and ( XXXX ) XXXXFax. Also by email XXXX to Merchants Credit Association XXXX XXXX XXXX XXXX XXXX, WA USA XXXX with a copy of Dismissal without prejudice signed by a judge XX/XX/XXXX. The first representative stated it should be taken of asap, call back at XXXX. Return call, 2nd make representative stated he can't di anything he will leave a message for the case manager who I spoke to earlier. But he did confirm the receipts of the judge signed dismissal without prejudice. Make contact the next morning, when a female representative stated sharply that I still owe, so she will not remove it, and finally stated I had to call XXXX Write at XXXX the original owner, and very rudely concluded I can't help you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: WELLS FARGO & COMPANY
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I recently relocated to a new city/state and am in the process of buying a new home. I knew before applying for pre-approval that my credit scores needed to be in good standing before submitting an application. So I took a hit and took out some of my retirement savings and paid down most of my debt before applying. I used website like XXXX, XXXX, and XXXX to monitor my credit and make sure my scores were headed in the right direction. I pulled report from all three credit bureaus and saw that my scores were, XXXX, and XXXX. They all showed the same on all three websites. I even called XXXX, XXXX, and XXXX that those in fact were my scores. So I applied for pre-approval with Wells Fargo bank. They came back and told me that my score that they pulled showed my score at XXXX! Imagine my shock when seeing a XXXX point swing! So I called Wells Fargo and asked why such a huge discrepancy?? They said they had nothing to do with my credit pull and the report came from a company called XXXX. So I called XXXX, and they proceeded to tell me that the scores they provided came from the credit bureaus and I needed to call them. Zero help, from either place. All playing the blame game. So I called XXXX back and verified my score was in fact XXXX. I called wells Fargo again! No help, told me they had nothing to do with the numbers and did n't know what method was used to pull the scores that it was handled by XXXX! I called XXXX, again, and they told me their information came from the bureaus!! Not XXXX person could explain to me why there was a XXXX point difference in what I saw as my scores and what they saw as my scores! Not XXXX ounce of empathy or caring from any of them!! XXXX credit score barely qualifies for and FHA loan and means I 'll be stuck paying a PMI when I should n't have to. And these banks and companies could care less because they 're getting paid regardless! No one tries to help you and no one cares that you spent {$10000.00} of your retirement to put yourself in a good position for a loan only to be told your efforts mean nothing!!! This process needs to be fixed. We as taxpayers bailed these banks out and we are still treated like XXXX class citizens at best. It 's shameful, disrespectful and down right greedy.

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