BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-21
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Getting the loan

Complaint:
I when and apply for a personal loan on XX/XX/XXXX got a proof for {$500.00}. On XX/XX/XXXX I was making {$2000.00} per month and I was refinancing my car making payments of {$360.00} my remaining loan was at {$12000.00} that was the only thing that I hade on my credit. On XX/XX/XXXX I when and apply for a loan the same amount and did not got qualify. I toll them to check the application because the person that I was talking to did not know what he was doing. I stars to explaining them that I am making more money today then before and my credit on XX/XX/XXXX was at XXXX fico and now is at XXXX fico my car loan is at {$7500.00} that means that XXXX less then before. I have a credit car from XXXX  XXXX my balance now is at {$50.00} and my credit is for {$500.00} I have never miss payment from credit card there are always on time. Now I am making around {$1700.00} more that is {$3700.00} per month and my bills remand the same. The loan that a took from them I never miss payments and my payments there were always on time plus I received a offer from them because I finish paying my first loan gave them reservation number that came with the offer that was going to expires on XX/XX/XXXX. They did not do nothing to fix the problem and its affecting me I can not ask for another loan for 90 days days

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I received a debt collection letter from XXXX XXXX firm dated XXXX/XXXX/XXXX stating that this was attempt to collect a debt, and that I had 30 days to respond to their notice, so I responded to their debt collection letter with my letter dated XXXX/XXXX/XXXX, asking for the requested items of validation and verification according to what their noticed stated, what I received was not verification, I received a letter stating that Law firm received my letter and that they would send it to U.S Bank, as of today no response or answer to my validation letter, I have tried to communicate to the attorney office to no avail.

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 2020-12-08
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XX/XX/2018 I moved into a new residence and XXXX XXXX XXXX assigned a land line phone number to my house phone. The home phone number was recycled by XXXX XXXX XXXX. As a result for two years, I have been getting daily phone calls from Receivable Performances Management ( calling from XXXX ) a debt collection company stating that they are recording the calls and want to speak to XXXX XXXX. I neither know nor have ever known any person with the name of XXXX XXXX. On many occasions, I have told this to the debt collection company, requested that they do not call my land line and let them know that XXXX XXXX XXXX gave me a recycled phone number in 2018. The behavior of Receivable Performances Management, XXXX. exceeds the ordinary negligence standards and borders on gross negligence or criminal behavior. This is evidenced in their use of federal phone communication lines to intentionally ignore the information I give them, to deny my requests to cease calls and to continue to harass me and stalk me by making Pdaily phone calls demanding that they speak to 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 2017-12-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Chase Purchased my home for {$500.00} well below market value after they forced a foreclosure on it. They respond with answers that have nothing to do with the facts which will be proven in court THIS IS STRAIGHT FORWARD THEY AVOID THIS IN EVERY OTHER COMPLAINT THAT THEY COLLUDED WITH THE REFEREE TO PURCHASE MY HOME FOR {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Their investigation did not fix an error on your report

Complaint:
wrote two letters to this company last XX/XX/XXXXand again last XXXX XXXX, 2017 to dispute incorrect and inaccurate information on my credit report. They are claiming that they did their investigation but there incorrect and inaccurate pieces of information are still on my credit report. They are reporting unverifiable information from my credit report and it has been more than 30 days and no lawful action has been taken. I have enumerated all the items and what 's making these items incorrect and inaccurate on those two letters. Today, I am writing them another letter which is attached to this complaint.

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 2019-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The following inquiries done by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, were not authorized.. I have never been contacted by this company either which leads me to believe that is all some sort of error. Please look into this matter for me and delete this information or provide me with documentation that proves this inquiry was authorized or delete 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 2017-09-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Another Fraudulent Wells Fargo Practice Home Mortgages ( Misapplication of Loan Pre-payments ) My wife and I have a home mortgage with Wells Fargo ( origination XXXX XXXX ). During XXXX we began making additional payments to build equity and, hopefully, payoff the mortgage before the end of the stated term. We communicated our intent for additional payments to be applied to principal. Indeed, Wells Fargo appropriately applied our additional payments to principal until XX/XX/XXXX. 

However, in XXXX XXXX, for some mysterious reason, Wells Fargo applied our additional payment to the XXXX XXXX principal and interest payment ( i.e., a pre-payment of the following months mortgage payment ). Wells Fargo failed to notify us of this change in method of applying additional payments. Wells Fargo representatives indicate that the reason the payment was not applied to principal was because we did not provide specific instructions for that payment to Wells Fargo. This explanation was shamelessly provided notwithstanding the fact that previous payments were appropriately applied without specific instructions. Wells Fargos explanation is even more unbelievable when you consider the fact that we made our regularly scheduled payment in the following month ( in XXXX XXXX ). At that point, it was obvious that our intent was NOT to pre-pay the XXXX XXXX mortgage principal/interest amounts. 

Note : We pay our mortgage electronically ( like most people ) so we do not provide instructions for each individual payment. However, we previously communicated to Wells Fargo that any additional payments should be applied to principle. 

Wells Fargo has repeated this practice on several occasions over the life of the loan. As a result, my current loan balance ( as of XXXX XXXX, XXXX ) is overstated by approximately {$2400.00}. 

When brought to their attention, Wells Fargos attempt to correct these errors generally result in additional errors ( e.g., late fees charged to my account when payments were reversed in the system, etc. ). In fact, Well Fargo representatives recently tried to discourage me from pursuing this claim indicating that payments will need to be reversed all the way back to XXXX, which will increase the chance of more errors. I couldnt help but think : Did they really just say that? 

I believe this is just another common tactic that Wells Fargo uses to covertly steal their customers money. The representatives at Wells Fargo that I 've been dealing with have been very respectful and appear to be genuinely interested in addressing my concerns. However, it is obvious that they are operating under Corporate mandated directives that restrict their ability to do the right thing, which is not that surprising given what we now know about the culture at Wells Fargo.

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 2019-08-14
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: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2012. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: CITIBANK, N.A.
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2020 I disputed the XX/XX/2020 charge from XXXX XXXX for {$620.00}. On XX/XX/2020 I had a guaranteed reservation with the merchant. However, upon arrival to pick up a vehicle the merchant was sold out and only had premium upgrades available for rent. I spoke with XXXX Customer Service on XX/XX/2020, XX/XX/2020, and XX/XX/2020 who informed me I should not be charged an upgrade fee at all as my reservation was guaranteed and as a XXXX XXXX  member, I am guaranteed a choice of almost every vehicle on the lot under their XXXX XXXX XXXX program. The exception being the premium vehicle upgrades which should cost me at most an additional {$25.00}. However, I should have not had even been charged an upgrade fee as my reservation was guaranteed and they were required to provide a vehicle. Regardless, rather than being charged the {$49.00} + {$25.00} upgrade fee at most, XXXX charged me {$620.00}. This represents a significant overcharge from the contracted rates guaranteed at the time of rental. I provided Citi all the documentation needed, a signed explanation of the dispute, the original reservation, documented evidence the upgrade cost should have been at most {$25.00}, as well as proof of my XXXXXXXX XXXX  XXXX XXXX. I also provided Citi with a copy of the Mastercard Chargeback guide which all conditions needed to validate this dispute where met. 

Rather than process the dispute as required under the FCBPA, Citi sent me a letter dated a month prior to the dispute even being submitted closing the dispute. Upon contacting CITI on XX/XX/2020, and escalating my call to a manager Citi representatives claimed they had no dispute rights for this charge and there was nothing they could do, in opposition to the Chargeback guidelines provided by MasterCard. This represents a clear violation of FCBPA.

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 2019-08-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following companies ran unauthorized credit inquiries on my credit report. Please remove as these are suspicious to me : XXXX XXXX XXXX XXXX and 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 2020-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I ( XXXX XXXX ) closed my Kohl 's account in XX/XX/XXXX. At the beginning of XX/XX/XXXX, I called Kohl 's to pay off my credit card and close the credit card. I was told by the representative how much my current balance was. I informed the representative I was unable to pay it in one payment. The representative said that was fine and the balance and any charges could be paid over time. The representative asked when I could make payments and I stated XX/XX/XXXX and XX/XX/XXXX. The representative stated that I needed to pay {$180.00} on XX/XX/XXXX and {$110.00} on XX/XX/XXXX in order to completely pay off my balance and any charges and to close my account. I agreed to these terms and made two payments : one on XX/XX/XXXX for {$180.00} and the other on XX/XX/XXXX for {$110.00}. Per the discussion with the representative this should have covered any and all charges and closed my account. I checked my credit report recently and realized that Kohl 's had reported that my credit account was 30 days late this past spring. In addition, I reviewed my account on Kohl 's and found that a refund for 'late charges ' and 'merchandise ' was issued on XX/XX/XXXX. 

I am requesting to have my credit report updated to have the 30 day delinquency removed and the effective closing date adjusted to XX/XX/XXXX. I closed and paid off the account in full in XXXX based on the amount given to me by the representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: SYNCHRONY FINANCIAL
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX  paypaland paypalcreditareall  diffetent. Now during this covid 19virus XXXX  is doing things like closing a claim then if not making money they charge you rigjt away. I am talking qbout prople that are XXXX and XXXX loves it because with being able to talk to paypal before desicions are mafe they just puro charges at you and lie. They use their power to just charge whatever happens. Ihave 2 cases and 1was closed and i have the emails dhowing itgor XXXXdollars thrn yhesecond is for XXXX dollars that the mail was returned t a pffice building. They want there money and told me the post ofgice gcoud handle it. How opposto office going yo hanfle ypur jobs and thry dont respond. XXXX andbpsypal need to be dhut down begore they ruin there businesd.

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 2019-08-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Please reverse the late payments reported on the following accounts : XXXX/XXXX   XXXX and XXXX  XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
was contacted in XXXX by Radius Global Solutions LLC re : a very old alleged debt originating from XXXX owed by my husband, XXXX XXXX. I informed XXXX XXXX that my husband was deceased as of XXXX and she responded that I was a co-maker on the debt. I agreed to make 3 payments of {$120.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX so she set up an auto pay from my checking account. The sum of these payments she stated were a reduced offer to settle for {$370.00}. She stated the amount owing is {$1200.00} but the XXXX payments would satisfy the collection. The {$120.00} was withdrawn on XX/XX/XXXX. However, a letter from Radius dated XX/XX/XXXX was addressed to XXXX an confirming the monies would be debited to the account on XX/XX/XXXX. I read the letter after XX/XX/XXXX. It then struck me I had no proof I was a co-maker on this debt and further the letter was addressed to my deceased husband although I had related he was deceased. I called XXXX at Radius on XX/XX/XXXX asking for proof to confirm I was a co-maker. She stated it was impossible to get me that information document and that all she had was electronic detail. I asked her to send me a letter with documentation and she again argued it was impossible. I then advised her I was withdrawing my permission and authorization for any further payments. 

At the time of his death, my husband and I were not living together.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Experian Information Solutions Inc.
State: TN
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX Account Number {$8500.00} XX/XX/2012 Date Opened Please remove off all 3 credit reports according to Law after 7 years account 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 non-monetary relief
Consumer complaint received 2017-09-19
Company: Bronstein & Weiss Arbitration
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have received numerous voice mails from Weiss and associates telling me that my financial institutions have been contacted and all of my assets will be frozen in the next 72 hours.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
PORTFOLIO RECOVERY ASSOC is reporting a debt that i do not owe ... and they are not lawfully permitted to collect any money from me? ( 1 ) Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission. ( 2 ) Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-22
Company: Exeter Finance Corp.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I do not recall authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: CULLEN/FROST BANKERS, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I have tried to dispute 3 accounts on my credit report for fraudulent activity and my dispute has been denied even though I have submitted a police report to the during the dispute stating that my credit cards were stolen and charged before I could cancel them. It is for XXXX XXXX and frost bank. The third one was for a loan taken out in my name that was also fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
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 {$470.00}, {$0.00}, {$450.00}, {$470.00}.

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 ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 

4. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -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