BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-14
Company: VELO LAW OFFICE
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I previously owed a debt to why not lease it in the amount of {$990.00}. I paid said debt to another collection company on XX/XX/2018. I have all documentation to prove it. I provided Velo Law with said documentation twice over the last year and both times they blatantly told me that they dont care if it was already paid because its owed to the also.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Trans Union  are n't aware that you must enforce the permissible purpose provisions of the fair credit reporting act and see to me that the inclusion of these inquiries complies with this federal law or remove it.  <P/>  Tran uni on or the issues did not remove the inquiry and follow through with federal law.

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 2021-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted my credit card company to settle the debt that was owed. I was informed that my debt had been sold to XXXX XXXX XXXX and was provided a phone number of XXXX. I called and spoke with a woman with a foreign accent named " XXXX XXXX ''. I explained to her that my husband and I were in the process of obtaining a home equity loan to pay off our creditors, and that when I had previously spoken to my credit card company they were willing to settle the account for the amount of {$7500.00}. I explained that in the time that had passed that we received the letter from them and that our approval was given and our closing was scheduled, the credit card had sold the debt to them. I asked if they would be willing to accept the same offer that we were provided by the credit card company and that I hoped that they would because the loan acceptance was based on those figures. She said that she could not accept {$7500.00}, but would accept {$7700.00}. I said that would be great, and I would like to accept that offer. I asked if she would please send a settlement letter and she agreed that she would. I waited the whole day before calling back because I did not receive the letter. I called back at XXXX and was assured that I would receive a letter. I received an email with a link to click on that took me to their website. I logged in with my account information and saw that there was a " custom offer ''. I clicked the link, but it would not allow me to accept the offer. I have called back and spoke with at least three other people ( including a manager ) who are unwilling to generate a letter for me. How is that they have offered this amount to me to settle, but will not generate a letter stating such? The only thing that my online account states now is that I have made a payment arrangement in that amount, but it does not indicate that the account will be paid in full upon paying it. What is to keep them from coming after me for the difference after I pay them? They have not provided me with a statement to their figure that they said they would accept as payment in full. I know that they are capable of doing this because I have another account with them in which they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I send XXXX XXXX, XXXX XXXX and Experian a letter disputing the validity of the Bankruptcy and Child Support on my credit Report, XXXX XXXX respond with a letter stating " we have Deleted information '', XXXX in Violation with FCRA stating " verify and accurate '' Bankruptcy only without stating Child Support validation and they not stating what was the method they used to verified neither, XXXX and Experian in violation with FCRA they never answer. I went back to Experian, XXXX and XXXX on XXXX XXXX sent a letter showed them the deleted Bankruptcy and child support and also showing them the inaccurately and inconsistency they have in the report and informing them that they could not reveal how they truly verified this item it need to be deleted according to FCRA, they once again refused to deleted this item which is imploding in my ability to purchase a home and causing me to pay thousands of interest every year. this items need to be deleted from my credit report if it can not be verified within 30 Days.

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 2020-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH TRANSUNION XX/XX/2020 AND XX/XX/2020 THEY FAILED TO REPLY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2016 I attended court with XXXX XXXX XXXX XXXX was dismissed. The amount of XXXX was paid by check. This was the final amount to be paid. The case was dismissed XX/XX/2016. 1 year later the account was sent to collections stating I owe XXXX. Over the past two years I have made several attempts to have this debt removed from my credit. I called the creditor and informed them that this is not my debt and they still would not remove it. They gave me a account number that I do not recognize. When I told them this they told me that the case was mine and that the money was due in the amount of 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 2021-12-10
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I purchased an order of floor tile from XXXX XXXX XXXX. On XX/XX/XXXX the tile was delivered to my home. The driver said he could only off load the tile which was in boxes on wooden pallets onto the street. He had no way to move the pallets onto my driveway or put them into my garage. I refused delivery of the tile. The pallets of tile remained on the truck and he drove away. I never accepted the merchandise. On XX/XX/XXXX I was given a provisional credit after I filed a dispute on XX/XX/XXXX, see attached. On XX/XX/XXXX the credit was reversed. I never received a letter stating that they had reversed the credit. I never received a letter explaining their reasons for denying my dispute. I received nothing until I received an email stating my payment was due. This charge is in dispute I should not be billed for a charge that is being disputed. I sent a letter XX/XX/XXXX, see attached asking that the dispute be reopened. I have received nothing from Comenity Bank. They are still sending me emails stating that my payment is due. This dispute must be resolved in my favor as I never accepted delivery of the merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Optimum Outcomes, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company sent me a collections notice. I requested debt validation. Company failed to provide ANY validation yet have continued to attempt to collect this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Square Inc
State: HI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was XXXX on the XXXX the people who did it used my face to unlock my phone than proceed to drain my bank account. Cash app  completely didn't care that I was XXXX  and XXXX  and that their app was used to do it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, at XXXX XXXX  I received a phone call from XXXX which is a Chase Service Department number. The man who called me advised me that my debit card had been hacked, for the fourth time this year. He knew all of my information, new and old address, email, phone number, and he even knew that I had just gotten a new debit card recently. He asked for my pin, which I gave because I have had to provide my pin to Chase many times in the past and thought this was protocol. He then sent me two confirmation numbers via text and requested I read them back to him to confirm my account. I later found out that those confirmation numbers were used to open a digital wallet with my debit card number, ( I did not give this person my debit card number, he found that out somehow himself ). As soon as I got off the phone with this supposed Chase employee, an ATM withdrawal from my Checking was made in Georgia. I then called that exact same number back, was on hold for an hour, was supposed to be transfered to a specialist and got disconnected. The next day I woke up to many charges made in Georgia, mind you I live in XXXX, OH. I spent approixmately 11 hours on hold, was disconnected many times, before finally a day later I was able to file a claim. No one from Chase instructed me how to lock my account and my account was never flagged even the charges were made one after the other. I ended up with - {$900.00} in my account. Chase reimbursed me a week later, only to reverse the reimbursements two weeks after that without notifying me that the claim had been finished and they decided to deny my claim. I ended up having to re open my claim 3 times, I provided them with as much information as I possibly could. I faxed over my phone log and text log to show that this person called me. Basically Chase determined that since this person had my pin, it was not fradulent and refuse to do any more. I would like this looked into and would like to be fully reimbursed so I can close my Chase account. This is the fourth time my account has been hacked, so clearly Chase has a severe security issue. Below are all the fradulent charges made : XX/XX/XXXX : ATM Withdrawal - {$100.00} XX/XX/XXXX : XXXX XXXX {$200.00} XX/XX/XXXX : XXXX XXXX {$180.00} XX/XX/XXXX : XXXX XXXX {$160.00} XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX {$39.00} XX/XX/XXXX : Online Transfer from Savings to Checking - {$340.00} XX/XX/XXXX : XXXX XXXX {$100.00} XX/XX/XXXX : XXXX XXXX {$100.00} XX/XX/XXXX : XXXX XXXX {$100.00} XX/XX/XXXX : XXXX XXXX {$100.00} XX/XX/XXXX : XXXX XXXX {$100.00} XX/XX/XXXX : XXXX XXXX {$100.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We feel that we are being treated un fair and that there are deceptive practices happening with the 1st and 2nd lien holders of our mortgage. Both the 1st and 2nd lien holders know that we have a solid sales contract to sell our property but due to the fact of being behind of on our mortgage they are threatening and forcing us to pay unnecessary attorneys fees by sending our loans to foreclosure. Despite following all of their rules and requests they are still stating that the sales contract   that is currently in escrow is of little meaning and that we will need to pay these attorney fees. Shame on you Wells Fargo  and  XXXX  for taking the little guy out even though they have worked their hardest to pay their obligation in full back to 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 2017-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We purchased a vehicle in   XXXX   XXXX  . The dealer put us with  Capital One Auto  loans. Being that I all ready had credit cards with  Capital One I tried to set up   and on line account and was not able too. I made my payments on this account over the telephone. In   XXXX   XXXX   I made a payment on a weekend within the 30 day grace period. The system did n't recognize the payment until Monday which was   XXXX   XXXX  .  Capital One preceded to give me a 30 day late. At the time there was no warning about payments not being recognized until the following business day. When I called them, they could not find me in the system. Turns out they had my date of birth incorrect and that is why I cou ld never pay on line.   Even though they had incorrect information on me which was no fault of my own and there was no warning about payments going over to the next business day,  Capital One  would not remove the 30 days late on my report. This reporting at the time caused a nearly  XXXX  point drop in my credit scores and affected my well being both mentally and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Lending Club Corp
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LendingClub account XXXX. LendingClub has violated pursuant to section 623 ( a ) ( 3 ) the FCRA requirements by not putting the required notice of dispute in comments after 30 days of the first dispute. This account has be re-aged. Re-aging account is a violation of the FCRA. I have disputed this inaccurate and illegal account multiple times over the past serval months and none of the credit reports had the required notice of dispute in the comments section. Not putting the notice of dispute in the comments is a violation of the Fair Credit Reporting Act requirements by LendingClub. LendingClub has multiple other FCRA violations on this account. LendingClub has re-aged this account violation of the FCRA requirements. LendingClub is reporting a 60 month term on a charge off account violation of the FCRA requirements. LendingClub is reporting a high balance on a charge off account violation of the FCRA requirements. 

I have attached a copy of the credit report as proof documentation directly from the credit showing the multiple FCRA violations, re-aging of account, no notice of dispute as required, Violations FCRA terms month on a charge off account and Violations FCRA reporting high balance on a charged off account. I am also attached a copy of the section 623 ( a ) ( 3 ) of the FCRA requirements for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capital One Credit Cards, This company says they help you with building your credit but they do not work with you to pay your bill, instead they hurry up and send your information to the credit bureau to damage your report.2013 they changed their name and relocated still attempting to charge fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Alliance One, Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Ref : XXXX Account # : XXXX I am an XXXX account holder. The debt that alliance one is trying to collect should have been immediately applied to my XXXX prepaid account, as my license plate is and has always been tied with my XXXX account. Not only that, but the transponder was on hand when I passed the toll ( so I am confused why it even went to alliance one ). 

My XXXX account # is : XXXX My XXXX transponder # is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: BBVA FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an online Money Market Account with BBVA on XX/XX/19 by electronic transfer from XXXX Money Market account for {$100000.00}. I did this because the interest rate was higher. Last week @ XX/XX/19 I planned to transfer funds to my Bank and got online to make the transfer. This is when I discovered I could not transfer more than {$5000.00} in one day and not more than {$10000.00} in a month. I contacted Customer service who told me it was a banking regulation. I checked the disclosure statement for the online Money Market account and there is no disclosure for these limits. I called back and asked to speak to a supervisor. The supervisor also told me this was their limit for electronic transfers. I told her I had other Money market accounts and they had no such limits. I requested to contact a Bank Officer. They told me they would forward my  concerns to the " out of footprint office ''. I asked for a phone number and was told they could not give that out. It would be 3-5 days before someone would contact me. The closest branch office was in XXXX, XXXX ( 3 hr drive ). I called that Branch and asked to speak to a Bank Officer. I spoke to XXXX who gave me the number and name of person in the Out of Footprint office. I left 2 voice mail mail calls to XXXX XXXX who never returned my calls. I finally spoke to XXXX in the out of footprint office who I told about the lack of disclosure and what I wanted was to transfer my funds back to XXXX XXXX. His suggestion was for me to open a checking account, buy checks which will take several days to obtain. 
I just want my funds sent back to XXXX where they came from. Had I known about the electronic transfer limit ( there is no disclosure of those limits ) I would not have opened this Money Market account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was trying to short sell my home. I called and asked about the process. The employees kept saying the lost paperwork, someone passed away so they had to start over again ( SEVERAL TIMES ). I was told I could NOT do a short sale I had to do a deed in lieu, however, I contacted my attorney and she told me that was n't true. She stated everyone has a right to first try to short sale my house. I went to meet a potential buyer and I was n't even late on my payment and the door knobs were already broken, so I couldl n't even get into the house. There was some property management company sign on my window. I was dealing with a realtor and he got so angry with  one of the  workers they were cursing at each other and she hung up in his face. Finally I had a buyer for the short sell and they told me well you only h ave 2 weeks  before your time runs out to do a short sale so we ca n't do this and told my realtor sorry we would n't be able to close in enough time so, the house went into foreclosure. I can have both realtors contact whomever needs to be spoken to. I also file a complaint on the website when this happened, but heard nothing back from anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I got a call on   XXXX   from a representative of  XXXX   XXXX ,  XXXX  saying that I was being taken to court and that they are sending court documents to the  XXXX   XXXX   XXXX  House to prepare to be sued. I do know that I did get a payday loan back in  XXXX  but had forgot about due to me losing my job and apartment. There was a mention of having copies of my  XXXX  's. I did not give any permission to that business for my financial records considering that I am a  XXXX  of United States military.The phone call came from  XXXX . I recorded the entire conversation and the mention of obtaining my  XXXX  's is in the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
All my credit inquiries are using an old physical address that I need to have changed to my po box as I am a XXXX XXXX XXXXXXXX veteran and can only utilize this po box at this time for the Safety of receiving future Credit card offers!

Company response to consumer: Closed with explanation