BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-26
Company: OPORTUN FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have a loan with a company called Oportun. 

They do not provide ANY statements and/or information AFTER you sign for the loan. You can not access online how your payment is applied to your account. 

I have

two other personal loans, and BOTH of them reflect every charge, and every payment online. I can not get any statement from Oportun in writing or online, and two months ago they reported me as being late {$18.00} on my credit report - yet I h
ad no letter from them informing me of this in advance - clearly I would have rectified that!!! 

Also, I accidentally said yes keep my bank card as the default payment, and it gives you no option online to UNDO that!!!! Their service and structure is basically in XXXX, and their " shell company '' is addressed in California. 

Frankly, I do not think this company should be allowed to do business in the United States. On their web page - it says that you can pay by your bank account, and that does not work, and also the site says that is is secure - but there is no https in front of their web address. 

If I try to call to get any help - I can very rarely get ANYONE that speaks English as their native language. To date - I have not received ANY account statements ; any online account information that covers payments, interest, late charges, and during the COVID-19 issues - their words over the phone were VERY confusing, and not VERY helpful at ALL. 

And to even reach a person there - it's many numbers and steps, and you are basically sent to XXXX! 

I will NEVER borrow from this company again, but I feel as a United States Citizen - I AM ENTITLED TO MY ACCOUNT INFORMATION!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a XXXX account reporting on TransUnion and XXXX that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.

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 2021-11-27
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
US Bank took over the CD 's I had with XXXX XXXX XXXX. When 5 of the 10 CD 's matured on XXXX XXXX, 2021, I called US bank and told them I was calling about the matured CD 's. After they told me the going interest rate, I told them to send me the CD 's. Not only were the matured CD 's sent to me, but also the 5 unmatured CD 's. When I received the checks that had not matured, I immediately called and asked what could be done. I was told to not cash the checks, but to return them to the Customer Care Unit at the following address : US Bank 24 Hour Banking, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I was also told to include a note requesting the CD 's be reopened ( which I did ) and they would reopen the CD 's retroactive to the date closed. I started having conversations with XXXX XXXX XXXX phone number XXXX ) from the Customer Care Unit on XX/XX/2021. To make a long story short, she has since told me the XXXX 's should be able to be reopened ; on XX/XX/2021, she verified the checks had been received ; and on XXXX XXXX, 2021 she told me her manager ( who I later was told, by another US Bank person, was XXXX XXXX -- phone number XXXX ) was personally working on it and I should hear from her within a few days. Since XXXX XXXX, 2021, I have called XXXX 7 more times and her manager XXXX ( starting XXXX XXXX, 2021 ) 3 times asking each of them to call me and neither will return my calls. I have also called US Bank since I am not having my calls returned and gotten different representatives. One representative ( on XX/XX/XXXX ) emailed XXXX asking her to call me and another one ( on XX/XX/XXXX ) said they talked with XXXX, who told the representative to tell me she would call me in about 45 minutes, which she never did. On XX/XX/2021, which was the last time I called XXXX, I left a message telling her I was losing my patience and would have to try something else to get a response. On XX/XX/XXXX, I again called XXXX and left a message saying that since it doesn't seem they will be able to reopen the CD, I wanted to know what I needed to do to get my money back. I still have not received a call.

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 2018-10-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2018, the debt collection company known as Portfolio Recovery Associates based out of XXXX XXXX, Nevada spoke with a relative of mine on the telephone about a debt under my name that had been sold to their company for recovery. This relative brought this information up to me this morning, and even quoted the dollar amount owed, and told me the agent asked how she would like to pay today, as if she were me. I have not given anyone authorization to speak with anyone or on behalf of me about any debts under my name. I myself have never spoken to this company about any debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00} {$7700.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2023-06-16
Company: EQUIFAX, INC.
State: IL
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal is closing a dispute in the merchants favor despite no response from the merchant to Paypal and proof provided by me - from the merchant - that the product wasnt sent and Im promised a refund. Are bots controlling paypals dispute process? Attached is the exchange : Case closed Case ID : XXXX The outcome of the case was not in your favor. 

Case details Dispute Reason Item not as described Case Status Closed Case Resolution Decided in seller 's favour Seller information XXXX XXXX XXXX Transaction amount {$100.00} USD Transaction ID XXXX Shipping address XXXX XXXX XXXX XXXX XXXX, NJ XXXX United States Invoice ID XXXX Date reported XX/XX/2020 Your notes I paid for FOUR of ( 2 pack ) XXXX  XXXX, 3lbs Beach Sand for Ages 3 and Up ( Packaging My Vary ) ... So I was supposed to receive 8 packages of the XXXX XXXX. Ive only received four single packages. 
File XXXX Additional info Item issues Missing Parts Refund requested {$27.00} USD Item description https : XXXX Your responses Date added XX/XX/2020 Your notes Reference # : XXXX Response email ( XX/XX/2020 XXXX XXXX  ) Hi XXXX, A great day for you XXXX, I thank you for contacting XXXX  My name is XXXX, for me it will be a great honor to assist with your request. 
Please accept my sincerest apologies, as this is certainly not the level of delivery service we would like to provide to our Customers. 

In order to assist you properly allow me to offer you refund for your missing items 4, allow me to kindly explain you, I can process a refund for 2 items ( 2 x 2 units = 4 items ).

Your refund will go back to the original form of payment method within 5 business days. 
Im very sorry for this inconvenience. Allow me to kindly inform you, I'm not allowed to process a replacement due to these items are out of stock at this moment. 
If you agree with this procedure, please be kind to let me know. 

I will be pending on your kind you response. 

Regards Sincerely, XXXX XXXX XXXX customer care. 
XXXX, XXXX  File Re : [ EXT : Fwd : Some items have shipped : XXXX XXXX, 3lbs Beach ... ] .pdf Your conversation with the seller You I paid for FOUR of ( 2 pack ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Packaging My Vary ) ... So I was supposed to receive 8 packages of the XXXX XXXX. Ive only received four single packages. 
XX/XX/2020 at XXXX XXXX PDT

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 2020-05-26
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00} {$7700.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-07-13
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted Mercantile and asked for them to validate debt via mail and I have not received a debt validation. I would like for Mercantile to send me the breakdown of the balance in full, signed credit receipts and every transaction immediately. According to the Fair Credit Reporting Act I'm allowed to request for this information and I would like to have it in my mail box asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I want {$1000.00} please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. 
This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. 

Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector * Show me your license numbers and registered agent. 

I would like to inform you that in case your agency has reported invalidated account information to any of the 3 main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: PNC Bank N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I called PNC bank dispute department XX/XX/XXXX. I was ask 10 verification unnecessarily. 
This man was XXXX  and out of his XXXX XXXX XXXX mind. 

On XX/XX/XXXX there was a charge on my account for a purchase I didn't make or authorize. I called the merchant and they e-mailed me a return label. I sent it back but I have not received the credit or refund back to my account. 

XXXX {$95.00} ON XX/XX/XXXX NOT MY TRANSACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of 2019, a drainage issue caused water damage to the apartment I'm renting. 

By May, my landlord 's insurance provider, XXXX  XXXX XXXX ( XXXX ), resolved the issue and claimed my wife is liable and therefore responsible to pay for the full cost of the damage. 

By XXXX, I had requested both an itemized list of charges and a copy of the insurance policy from XXXX and ultimately disputed the liability claim and subsequent debt collection attempt by XXXX that amounted to about {$15000.00} dollars. 

Months later, in XXXX, I received a call from a debt collector named XXXX XXXX representing Sequoia Financial Services ( SFS ) ( presumably representing XXXX  ). 

By XXXX, I repeated my request for a copy of the insurance policy, this time to my landlord directly. She said she would speak to her broker and I never heard back from either of them. My landlady also informed me at that time that XXXX had tripled her premium causing her to search for new providers. 

In response to multiple calls and letters from SFS, and in good faith, I responded to SFS by sending a written letter via certified mail asking for the following : 1. an explanation as to why we owe the debt a. this included a request for documents including but not limited to the XXXX policy that covers my landlord 's property 2. how much they intend to collect and how they came up with the amount to collect a. this included a request for an explanation of how the debt was created as well as an explanation of how any interest, fees, or any other charges are permitted by law. 

Months later, rather than making an effort to explain the burden of debt in a written response, they decided to call me in what I can only imagine is an effort to further intimidate me and convince me to pay them in full, with interest and without question. 

XXXX couldn't get what they wanted, so they asked XXXX to bully me  and when the front line case worker ( XXXX XXXX ) couldn't handle my request for information, it was escalated to a manager named XXXX who called me and gave rise to this complaint. 

I have responded with a voicemail message reiterating my request for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have contacted USAA and with no resolution. I have also filed a previous complaint with CFPB and in return, USAA continues to call me 3-4 times a day harassing me with voicemails. I have spoke to several representatives from USAA and again, with no resolution, they keep telling me that theres nothing they can do, but yet continue to harass me several times a day with phone calls and voicemails. When I spoke with them, all they did was look for reasons to disregard the financial issues that took place, as well as the worldwide pandemic ( COVID-19 ) that also caused so many people to lose their jobs, including myself. Their complete disregard for these matters and continuance of trying to collect payments is inexcusable. Not only do they harass me with their phone calls, but the damage to my credit report is irreversible, the damage has been done, and further action needs to be taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
UNVERIFIED ACCOUNT. Per CRSA enacted, XXXX implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.

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 2019-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have so many hard inquiries from fraud stuff I know for fact I never applied for I need help getting them 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