BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I used a 3rd party vendor to purchase an airline ticket XXXX XXXX XXXX XXXX on XXXX XXXX. As soon as the confirmation came back I noticed they changed the travel date. They said the search criteria automatically switches to booking to get the cheaper price. This is certainly a bait and switch. I immediately called back and explained what happened They processed my refund. The email confirming listed {$120.00}, the credit card charge was {$94.00} and the refund confirmation was {$120.00} and I have confirmation of the refund via email but it never hit my card. They even agreed to credit me more than what I paid. I was required to stay on the phone with the representative until I received the email. I received the email and had to give the sales person the code in order to cancel the reservation. Which I did. I had verbal confirmation that it was canceled and an email. Next, I decided to call XXXX XXXX to re-book instead of using the third party. When I re-booked the flight directly with the airline ( 5 minutes later ), they confirmed that no reservation was in their system and that they had not received payment from the third party so I went ahead and booked the ticket. I received my credit card statement with both charges. I disputed the charge with my credit card company. i have called 13 times and sent in emails with my documentation. As of this date I have only received a letter saying the card was used " in person '' which is impossible. They implied that it was a swipe and it was not. The last representative told me the letter was automatically generated and was a mistake. I have called so many times and I just want my lousy credit. They are terrible and I have been a member for 30 years. They need to be reprimanded for not following their contract.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-15
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I settled a collection with DIVERSIFIED CONSULTANTS INC. At the time of payment, the representative agreed to " Pay to remove from credit ''. I have disputed this with the credit bureaus, but DIVERSIFIED CONSULTANTS INC continues to report it. I believe this is unfair since I agreed to pay for them to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband and I contacted USAA on XXXX/XXXX/XX/XX/2015 to apply for a VA Mortgage Loan. After a series of long hold and providing information to the representative. We were advised that we were not approved at this time for a mortgage loan and that we would receive a letter in the mail to explain, in detail, why we were not approved. After a week had gone by, I contacted the company to find out if the letter had been sent, they advised " system had not generated the letter yet ''. Again after 3 weeks, I still had not received a letter and I contacted the company to find out why. I asked to speak to a manager and the representative proceeded to advised me that she could help and that we were not approved because my husband 's credit score was below XXXX. I do believe discussing credit scores and denial reasons over the phone is a violation. I still have yet to receive a letter of explanation even though it has been well over a month since applying for the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time and I have derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2022-07-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
In according with Fair Credit Report Act reporting Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights to privacy 15 U.S.C 1681 section 602 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 2019-12-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have an account with Wells Fargo bank here in XXXX Georgia I was contacted and told that I had made a reservation for the XXXX  XXXX  in XXXX Georgia which I did not and I reported it to my bank my bank accused me of making this transaction which I did not because when they call the XXXX  XXXX  whoever made this reservation use my address my credentials and my bank took those monies out of my account and did not put them back when I travel to XXXX I didn't even use my Wells Fargo card my bank has have not yet put my bet money back into my account they even took extra money out of my account because there was a overdrawn back in XXXX of another XXXX    another XXXX  XXXX  it all adds up to two   hundred and something dollars but they have yet to put those monies back into my account I did not make any reservation with the XXXX XXXX of XXXX Georgia when I stayed in XXXX Georgia I stay at the XXXX   XXXX XXXX on XXXX  XXXX XXXX and I provided them with that information my name is XXXX XXXX XXXX XXXX my phone number is 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 2016-02-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
USAA has been intentionally deceiving consumers with their website and mobile app. They set up a draft from an account which was supposed to be changed ages ago and never was. They intentionally left the draft in place and did not switch to my new bank. It creates the look that the loan was being paid but it was not. The loan amount reverses the charge and creates both a late fee and a penalty in an account that is supposed to be dead. This is to the amount of $ XXXX/month extra!! The mobile app is set up in such a confusing manner that I did not see this until I really started to investigate on the computer. Their mobile app also does not function. There are error codes ( I have screen shots ) that do not allow payment at times. This is also intentional and designed to layer their pockets at the cost of the consumer. These complaints are with the home loans as well as the auto lending and are all over the web and their own site.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company Convergent is engaging in unethical and bad faith practices. I made a payment arrangement on XX/XX/XXXX or XXXX and paid XXXX dollars and told them within two weeks -I still owed XXXX dollars. I got multiple letters from them during this two week time frame The one in front of me said I owed XXXX ( incorrect amount dated XXXX after we made payment arrangement and I had already mad a payment ). We had settled for approx XXXX dollars. My second and final payment was to be on XX/XX/XXXX. They turned in my info to the credit bureau XX/XX/XXXX. I paid the rest of the settlement yesterday on XX/XX/XXXX. XXXX XXXX XXXX got info from XXXX XXXX that an account was added. Convergent turned it in before my last and final payment of XXXX dollars. They reported it to the bureau with the amount of XXXX. It is already paid off. The company did not allow the arrangement to be completed before reporting. It should be removed.

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: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have attempted to file this claim directly with the organization involved, Kohl 's, but they have refused to take action. I was coerced under false pretenses to sign up for a Kohl 's charge card. A sales associate came around while standing in line and asked if I would like to sign up for a Kohl 's charge to receive XXXX % off. I was aware of the Kohl 's policy regarding certain exceptions about items. I inquired with the associate if there were any exceptions regarding this item, she informed me that there were not. Immediately after, I inquired if I signed up and was approved for this card if I would be able to use a personal credit card other than the card I was approved for. They acknowledged that I was able to do this. I was walked over to a separate register and applied for the card and was approved. She rang up the item and the discount did not apply. She said that was her mistake and acknowledged I asked if there were any exceptions and that a manager would very easily be able to correct this problem. After approximately XXXX minutes, an assistant store manager arrived and advised that this was an exception and I would not be able to honor the discount. He was informed by the employee that this was promised to me and he continued to advise he would not honor it. I also informed him that I was told I could put this on my personal credit card. At this point he went off the deep end and became extremely aggressive and began yelling at me. I told him that as my credit was already run and it would affect my credit score so I would like XXXX of XXXX resolutions, either remove the credit check from my credit history and charge me the full price, or authorize the discount and let me use my personal credit card as promised. The store manager ( named XXXX ), refused to do either of this and began yelling. He told me that I had XXXX of XXXX options, either be forcibly removed from the store by security or put the item on my Kohl 's charge card with a discount. Intimidated and scared, I agreed to put it on my Kohl 's charge card under duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019 I sent a final letter to the Credit Bureaus discussing an issue with my consumer credit report. I explained that I have sent multiple letters regarding the furnishing of my personal credit file. In the letter, I stated the following : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I also requested verification via a signed application or contract with said companies and have not received anything to verify that I authorized the release of my personal credit file to these companies. To date, I have not received any verification documentation of any kind to resolve this matter nor has the item been deleted. My next step will be small claims court if this matter is not resolved. I have studied the law and noted that in order for an account to continue reporting on my file, it must be accurate and verifiable. Neither of which are the case regarding this account. I received a letter on XX/XX/2019 stating that they have verified the inquiries. Due to the number of inquiries, I am attaching the documentation sent to each company regarding the request for deletion. I have attached copies of the certified receipt and I appreciate your assistance with resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: EQUIFAX, INC.
State: MN
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 have previously disputed with XXXX, XXXX and Equifax on XXXX/XXXX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: BB&T CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
HI MY NAME XXXX XXXX XXXX XXXX IM BANKING WITH BB & T BANK FOR OVER 2 YRS I DEPOSIT CHECK TO MY ACCOUNT MY EMPLOYER CHECK I DEPOSIT THIS CHECK TO MY ACCOUNT REGULAR BASES NEVER RETURNED ACCIDENT HAPPENED ON XX/XX/XXXX WHEN I DEPOSIT CHECK EVENING THE NEXT DAY THEY PUT HOLD ON THE CHECK UNTILXX/XX/XXXX I WENT TO THE BANK ASK FOR HELP TO RELEASE THE FUND THE BANKER ANSWER WAS YOU HAVE TO HAVE SIMILAR AMOUNT OF THE MONEY SHE SAID SORRY WE CANT HELP YOU AND ON THE XX/XX/XXXXTHE FUND WAS NOT AVAILABLE I CONTACT THE BANK AGAIN THEY SAID NOTHING WAS PROCESSED FRIDAY AGAIN SORRY WE CANT HELP YOU AND TODAY XX/XX/XXXX THE BANK CHARGE ME WITH XXXX DOLLAR OVERDRAFT FEE CONTACT THE BANK ASKING WHY YOU CHARGING ME OVERDRAFT FEE THE ANSWER IS YOU FUND WAS NOT AVAILABLE ON THEXX/XX/XXXXI 'M SEEKING JUSTICE FROM YOU TO HELP TO GET MY {$72.00} FROM BB  & T

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This XXXX account does not belong to me. This account belong to my ex partner, this was a business loan that he opened, I was the owner of the company, however, I never personally sign a guarantee for this account. All of the sudden, after he defaulted, this account appeared on my credit report. In the past, Experian removed the account, but it was then reported on the report without prior notice. According to the FCRA, FACTA, they were supposed to send me a 5 day notice reinserting the account, however that was never sent. As I was in the process of purchasing my home, this account appeared again, and I was declined for the home loan. This account has cost me suffer, and a lot of money, knowing that it is not mine. In addition to that, section 623 of the FCRA requires the CRAs and furnisher, to reporting accurate information, this account is definitely not accurate, the dates dont match up, and the balance is also incorrect. I dont know what else to do, please help me remove this account from my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for a Capital One secured card in 2014, which is advertised as a way to rebuild credit. I was approved with a deposit that I was told that I would get back after showing good usage of the card. I was even told that my card could be upgraded. However, though I 've never been late on a payment, when I attempted to get my deposit back, I was told I had to close the card. Capital One has even increased the credit limit on my card without an additional deposit and without me asking. 
Capital One can not advertise a card as helping to rebuild credit and promising people to get their deposits back when you have to close the card ( hurting your credit ) in order to get your deposit back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
a yes I have filed a complaint with the FCC and transunion sent back saying they did not get enough info to solved my disputes -- could you let them know I am speaking about the collection of XXXX XXXX I was so sure all you had to do is what collection did you take off in XXXX XXXX and then put it back on in XXXX XXXX and yes I did filed a complaint in XXXX and the complaint was about the collection and why do you have to contact them when you were the one who removed it again do I have to wait another 7 years

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 2020-06-20
Company: WELLS FARGO & COMPANY
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Ive already try to bring some understanding to the misleading Pharmice do you get your do you look like a bank that gives you the impression that theyre protecting your money at the same time they give you options of ways you can send money and I feel a deception because you think if youre working within the confinement I bet anything use fraudulent activity once the money leaves your account but in this case and XXXX will never receive and for this reason I can probably should account for that I wont purchase something from XXXX and XXXX could not get my money But while in the bank while with XXXX XXXX the subject came up about fraudulent activity that took place with XXXX and XXXX and I told to tell her that I could get my money back this was months later and they asked me if I could use my debit card they were able to give me my money back so why is Wells Fargo not being held with liable especially during this time where people are being laid off and money is important to XXXX the government is sending out trillions of dollars to help people this was my own money that I used and was taken why Is there not being more done this is a commonsense situation are use what was available through the bank via the bank with my bank card and the money was taken and not returned thank you XXXX XXXX XXXX please escalate this to another department that can handle this also I do have photographs of the texts and if needed the amount of two transfers and also the wire transfer with the routing number and account number at the bank house office if you need it please let me know because I dont know how to upload this with the system that Im on thank 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 2020-01-07
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: Information belongs to someone else

Complaint:
I got a copy of my credit report today XX/XX/2020 because I applied for a loan and I did not get approved because there are two accounts in negative standing and many inquiries that were not made by me. I did not give anyone permission to open these accounts in my name ; I do not have any written/verbal contracts with any of those companies nor did I allow any of those companies to run my credit. I did not benefit anything from any of these items reflecting badly on my credit and I have already filed a police report in hopes of getting this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo has closed my new checking account after 11 transactions citing the relationship is no longer " mutually '' beneficial. They refuse to provide any additional information and I only learned that they are planning to close the account on XX/XX/2022 by calling in after noticing that my credit card had also been closed ( and that was marked on my account when I logged in ).

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 2022-01-21
Company: Nelnet, Inc.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Nelnet has unfairly reported to my credit bureau that my student loans are defaulted and have missed payments when i am supposed to be protected by Biden 's student loan pause. I have received many phone calls from them stating that first I did not have a federal student loan and then when i informed then that it was a federal loan they then stated that my loans were too old to be covered under the student loan pause. I did try to work the person who called me but they told me to do my own research because i was wrong and then hung on me. 
I believe that they have now turned my account over to a collection agency and have placed damaging remarks on my credit report.

Company response to consumer: Closed with explanation