BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-18
Company: VW Credit
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
A previous complaint has been filed with regard to our paying off our car loan with Volkswagen Credit. The complaint number is XXXX. We received a check via XXXX XXXX on XX/XX/XXXX for the car payment they took from our account, a month after the loan was paid off. 

Due to Volkswagen Credit 's error going back to XXXX with not updating our record to show that our car loan was paid off on XX/XX/XXXX ( we have the pay-off letter from Volkswagen Credit with this date ), our refund for our extended warranty coverage from XXXX XXXX was mailed on XX/XX/XXXX to Volkswagen Credit as it appeared we still owed money to Volkswagen Credit. On XX/XX/XXXX, we initially contacted VW Credit asking about the warranty refund, and we were immediately told we needed to contact the dealership. The representative did not check our account to see they had the money since XX/XX/XXXX. VW Credit said that we needed to call the dealership, which we did. On XX/XX/XXXX, the dealership informed us that the check was mailed to VW on XX/XX/XXXX, and not to us because of VW 's incorrect records. We called VW again on XX/XX/XXXX, and was told our request to get the check would be expedited. Later that day, we learned through a voicemail that expedited means they will USPS mail out a check on XX/XX/XXXX. On XX/XX/XXXX, we called VW Credit again and said we don't believe that it is unacceptable that " expedited '' means another 10 day wait until the check is mailed out, especially considering today 's USPS service level ( evidenced by a check being mailed out by the dealership on XX/XX/XXXX and not posted until XX/XX/XXXX ). 

This check would have come directly to us if VW Credit 's processes worked. Now they tell us their process is to wait until XX/XX/XXXX to even mail us a check. Their broken process is the reason we are waiting for our money. VW Credit should never even have processed the warranty refund check in the first place once they realized nothing was owed on our account. Since they did process it, they should expedite a check to us via XXXX XXXX as soon as the check has cleared the bank, and the check they say they posted on XX/XX/XXXX will clear much sooner than XX/XX/XXXX. Again, they explained this is their process. Their process is so broken. No customer should have to wait for over a month ( XX/XX/XXXX to whenever we receive the check ) for money that should have been mailed directly to us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
I paid Capital One credit card services on XX/XX/2018. I have 2 credit cards with the company. I paid the payment through the on-line payment method. The payments went through but then my bank returned the payments which were {$100.00} to the card ending in XXXX and {$180.00} with the card ending in XXXX. I called my bank to verify my funds and they said it was an error on their part. I then called Capital One on XX/XX/2018 and made a phone payment with the representative. I had verified that I had enough in my account before I made this call. The representative took both payments over the phone. I then found out that he switched the payments and placed them on the wrong cards. Then, Capital One took out an additional {$100.00} when I did not authorize the payment once I called and had the phone payments already taken out. 

This made my bank account go haywire! Now it looks as if I had not made the payments. The funds were available and that is why I made sure that when I called that they were applied to my credit cards. When I called to see what was the problem the representative said she had to verify my account. I told her that I did not need to verify my account because it is the account that I have been using and it is a viable account. My card that ends in XXXX is now over the limit {$380.00} which is absolutely absurd!!! It is not my fault that Capital One took out too many payments that were not authorized! I am tired of going back and forth with Capital One. I am sure other customers have the constant problems that I have. I think that I will begin some sort of boycott with Capital One and their wayward practices!!!! Also in the near future, the representatives and supervisors need more training on how to approach someone that is upset about their account!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: State Collection Service, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am in the beginning of a mortgage re-fi. I mailed a dispute letter to clear up several inaccurate items on my credit XX/XX/2019. 

Then this mysterious collection appears on my credit? I was never, ever notified by mail about this medical issue from State Collection Service. I mailed both dispute letters to all CRAs and a direct debt validation letter to State Collection on XX/XX/2019. 

The debt was validated on XXXX, deleted off XXXX, I do not believe it was ever reported on XXXX. Yet, the direct furnisher letter was never answered? 

I believe from my credit reading that validating a CRA dispute is a violation until the direct furnisher letter has been verified and a response has been mailed to the person disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Commonwealth Financial Systems, Inc.
State: TX
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:
HERE WE GO AGAIN. 

THIS COLLECTION SINCE XX/XX/XXXX POPPED UP ON MY CREDIT REPORT AND MY ATTORNEY AND MYSELF FILED A COMPLAINT BACK IN XX/XX/XXXX AND HAD THEM REMOVED. NOW IT SEEMS NEW DEBT REPT : TOOK IT OVER>>> AGAIN THIS IS NOT MINE AND I HAVE NEVER VISIT XXXX XXXX XXXX  IN MY LIFE!!!!!!!! 

WE WILL BE FILING A COMPLAINT WITH XXXX  AND FTCC AS WELL WE WILL BE REQUESTING PROPER IDENTIFICATION AND DOCS TO WHOM THIS DEBT BELONGS TO AGAIN ALONG WITH A LAWSUIT. 


COMMONWEALTH FINANCIAL XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$690.00} {$690.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: ERC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing this complaint to remove 3 inaccurate and fraudulent accounts from my credit report in the amount of {$220.00}, {$130.00}, and {$120.00}. Enhanced Recovery Company LLC continues to report false and unverifiable debts to the Credit Bureaus. This company continues to violate the FCRA AND FDCPA laws and regulations. Enhanced Recovery failed to contact me about the supposed debts before placing it on my credit report. I have NEVER done any business with this company. I have not requested, received, accepted or utilized any goods, tasks, or services with them. I have no contract with Enhanced Recovery Company, verbally, written, expressed, or implied. Through certified mail, I have repeatedly requested chain of custody. This company has failed to provide me with an original contract bearing my signature with specific dates, as well as proof of their authority in this matter. Enhanced Recovery has failed to provide ANY documents proving that this debt is within statue of limitations. They have failed to provide all purported assignments, sales, and/or transfers of the alleged account and debt in question, a verified itemized statements of all services, money, property, or insurance. In summary, Enhanced Recovery Company has failed to provide all documents that they intend to rely upon as proof should this action end up in a court of competent jurisdiction. They havent provided EVIDENCE to prove this accounts accuracy. I ask that they close the account, remove the item from my credit reports, and do not resell it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I received two overdraft fees on transactions that did not overdraft my account. I show on my account that these transactions did not overdraft my account. In their ridiculous ploy to steal money it even shows on my account history that other transactions posted after the two in question that were not assessed an overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX-XXXX-18 Credit inquiry from an unknown and unauthorized credit with no number from where to reach them. 
Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX Their number is conveniently incorrect and not working! 

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 2018-01-30
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I talked to a CSR around XX/XX/XXXX about spreading my payment out over a year because I needed to do major repair on my car and the rep and I kinda went back and forth about how to handle making the payment I wanted to be sure that I won't be reported late and she did let me know it wasnt in the contract to do that what she could do is allow me to spread the payment but what she didnt warn me of that my payment would be reported late every month until I paid all the money I owed, so 4 months later and I'm still being reported late. I made the last payment on XX/XX/XXXX that made me current on all payments and then on XX/XX/XXXX I received a notice from  XXXX saying I was 30 days late again I really need this to be resolved I'm also in the process of buying a home so your help is greatly needed and I have proof of all payments and, I also need to make it clear that up until this time I've never missed a payment and if I had known that it would be reported late I would have agreed to this atrocity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I noticed my credit card was not working so i called chase and they said the account has been closed but they could not tell me why. I tried calling a few times but got nowhere. I just received a letter saying they are closing both credit cards with them as well as my checking and savings account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This debt was incurred due to fraudulent charges, which according to XXXX XXXX Zero Liability policy I am not liable. Change the balance and status for legal accuracy. Otherwise, remove ASAP. 
CAPITAL ONE BANK USA ***** Opened XXXX. XXXX, XXXX XXXX {$460.00} XXXX Charge Off CAPITAL ONE ***** Opened XXXX. XXXX, XXXX Balance {$460.00} // Charge Off CAPITAL ONE BANK USA XXXX Opened XXXX XXXX, XXXX Balance {$670.00} // Charge Off CAPITAL ONE ***** Opened XXXX XXXX, XXXX Balance {$670.00} // Charge Off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Chime Financial Inc
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
My car was broken into and my purse stolen while in a kayaking trip. My credit cards were used by whomever stole my purse. Immediately upon discovering the theft, I filed a report with the XXXX XXXX XXXX, reported it to my bank, and cancelled stolen cards. The bank only refunded one of the fraudulent charges and claim their investigation proved they were not fraudulent. I asked for copies of the investigation which said the card was not in my possession but since I was in the vicinity, I made the charges. It wouldve been physically impossible for me to travel to the places the cards were used and then back to the canyon to report it in that timeframe. The bank still refuses to reverse the fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: JPMORGAN CHASE & CO.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had an auto loan with Chase Auto Finance since XX/XX/XXXX and have never had a late payment until XX/XX/XXXX. 
I was XXXX overseas for most of XX/XX/XXXX and didn't always have access to the internet or phone service. 
In XX/XX/XXXX, someone got into my main bank ( XXXX XXXX ) account and illegally transferred a large sum of money to another account. XXXX XXXX closed all of my accounts and gave me new ones overnight. 
I had auto-pay set up with Chase. When I had a chance, I updated Chase payment details to charge my new XXXX XXXX account. I must not have set it up correctly, which is my fault, but it ended up in a missed payment for XX/XX/XXXX. 
When I realized my mistake, I sent the current and missed payment which were received on XX/XX/XXXX. 
I found out the one-month missed payment had went to the credit bureau and turned my FICO credit score from XXXX to XXXX. I didn't know there was anything I could do. 
I recently learned I could try reaching out to Chase to have them remove the late payment. 
On XX/XX/XXXX, I called Chase and reached their credit department. I spoke with a female name " XXXX ''. I explained that I was XXXX last year and didn't always have internet/phone access and that I would like to know the process for getting a late payment removed from my credit report. She responded that she will not remit late payments. I asked if the credit bureau or any other third parties would be able to help and she did not know, but restated that she won't remit a late payment. I asked if there's anyone in management I could speak with to see what my options are and she said she will not transfer me to a manager and nobody in her department will remove late payments. 
In short, it was my fault for messing up the auto-pay after getting my new XXXX XXXX account. However, I was never unable or unwilling to send my loan payments to Chase, and given the circumstance I was in last year, I believe it is unreasonable to not work with me on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
TransUnion Credit Reporting Agency continues to lower my credit score whenever I make a car payment or pay off a loan ahead of time, which is unfair. I sent hard-copy letters to TransUnion in XXXX, PA twice now ( on XX/XX/2020 and XX/XX/2020 ) but TransUnion continues to lower my score. I pay my bills on time and am actually ahead on payments, so my score should be going up instead of down. They also lowered my score by using a credit inquiry from a company that said their checking my score would not hurt my credit score. TransUnion did this same thing in the past and lowered my score by a point or two and then they remove it and allow the score to go up by a point. This is very frustrating and to my knowledge, against the law since they are not reporting fairly. They did this after my first complaint letter where I sent copies to the Federal Trade Commission asking for their help to get this resolved. Is TransUnion upset that I brought their faulty practices to the attention of a government agency and they are punishing me by continuing to reflect false credit information and a bad score???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Bread Financial Holdings, Inc.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXXXXXX XXXX has called multiple In Laws of mine multiple times and disclosing my personal information such as amount owed, etc. The last phone call they made was XX/XX/2018 to my husband in which he was given personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Arbor Professional Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I decided to check my credit on XXXX XXXX. Imagine my surprise when my XXXX  score showed in the low 600 's due to a medical collection in the amount of {$110.00}. 

I called the collection agency - XXXX XXXX XXXX XXXX - on the credit report and asked them if I paid the debt, would they give me a letter stating that the debt had been paid and be deleted from my credit report? They refused, telling me that they would only give me a receipt. No guarantee of reporting back to the credit bureaus that the debt had even been paid. 

I then asked them when they received this debt, as I never received a notification of any kind, in writing or a phone call, to notify me. Again, they refused to answer. 

I have had this happen twice before with medical co-pays, and the collection agency either called me or sent me a letter allowing me to pay the debt before it was reported. 

XXXX XXXX XXXX XXXX is a terrible agency, since they will not provide documentation of any sort showing that a debt has been paid to allow the consumer the chance to correct it with the bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My identity was stolen in XXXX XXXX XXXX after purchasing a car. My information was used to set up a checking account and a credit card with USSA in XXXX. I have called numerous times to close the accounts and have spent hours on the phone. I have enlisted professional fraud services ( ie XXXX and XXXX XXXX XXXX ) to assist in this. They tried to convince me to keep the credit card since it would damage my credit if I closed it and just transfer the information to me. They have yet to close the checking account after the several calls I have made and the promise every time to close the account. I am told every time that the account will be closed in 5-7 days, and to call back. It is never closed. They opened this account AFTER I reported the credit card as fraudulent and was assured precautions would be taken to make sure no access to my information or accounts would happen. 
The account representatives have given out my personal information, and the information of the people who stole my identity. They are not safe with personal information or fraud services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: Law Office of Steven A. Booska
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Date XX/XX/XXXX. Amount XXXX. This debt is a collection company Steven A Booska Attorney at law, the debt is for a federal student loan, which is in for bearance with a server XXXX, the 2nd account is a personal loan with XXXX XXXX XXXX, that has been discharge under bankruptcy in XX/XX/XXXX I have sent all documentation to this collection, company, they have refused to except any of the documents, they keep sending, letters that are not appropriate and harass and using threating tactics, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: OneMain Finance Corporation
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
My payment came due on XX/XX/2021, on XX/XX/2021 I was contacted by XXXX main the agent calling ( a woman XXXX said if I scheduled my payment on line or over the phone with her I would not be contacted again. After I got off the phone with the lady I went on the website and scheduled my payment for XXXX for {$330.00} which is the amount showing past due their website. On XXXX XXXX main called my cell phone at XXXX pm and XXXX pm according to their records, they didn't leave a message and then called my employer at XXXX pm on XXXX. When I received the message from my employer I returned the call to XXXX main and after being transfer once I spoke to XXXX. I advised XXXX when I completed the loan application I requested to not be contacted at work, as this isn't allowed and against company policy. I was assured during the loan process they would not contact my employer. XXXX then explained they were calling because a late fee would be assessed on XXXX bringing my past due amount to {$350.00}, I had only scheduled a payment for {$330.00} as that is what the lady advised I needed to pay back on XXXX when I set up the arrangement for the past due amount. I advised XXXX he cant contact me at my place of employment and inquired as to why they were calling when I had a payment already scheduled to come out of my account on XXXX, at which time he advised because as of XXXX the amount would be {$350.00} ( includes a late fee ) vs the {$330.00} that I was originally told to pay. I don't understand why they are calling me to collect a late fee that hasn't even posted to my account yet, especially when I communicated to them and had a payment schedule on line already to take care of the past due balance.

Company response to consumer: Closed with explanation