BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-14
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I will try to remember as much as possible. 
In XX/XX/XXXX. I got a loan from oportun for {$500.00}. I was very happy to pay the loan back because it would help my credit. 

Within the month of XXXX, XXXX, XXXX, XXXX, XXXX and XXXX I have been having financial difficulty because I needed repairs done to my car every month back 2 back. 

I have called oportun every month to inform them that I'm having car problems and as soon as I stop having car problems I will start to make my monthly payments. 

Oportun did not care about my money situation at all and oportun has stopped me from making monthly payments because they asked me if I have a lawyer and I said yes I do have a lawyer. Therefore Oportun has stated to me that because I have a lawyer they can not allow me to make payments until they speak to my lawyer. ( I am supposed to have a lawyer, I am a united states citizen, and by oportun locking my account to not make payments it against my Constitutional Rights! 

I called oportun this month XX/XX/XXXX and oportun told me that if I say that I will not sue them they will put me back on a payment plan. 
I told oportun that I will not sue them and oportun still said that they cant allow me to make payments. 

Oportun is full of lies and deception. 
1st Oportun told me that if I say that I will not sue them I can continue to make payments.

2nd then oportun told me that they cant let me make payments until they talk to my lawyer.

Which one is it? 

Oportun is a deceptive company who is only out to destroy people credit and they wont wouldnt allow me to change my billing date and oportun charges us people like me on ssi of which I only get paid once a month with 2 payments a month which is unlawful against the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Experian Information Solutions Inc.
State: VA
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:
I have disputed this account several times and the credit bureaus aren't abiding by the Fair Credit Reporting Act rules. Payments on my XXXX account were never late. It's impossible to go from current to 90 days late in less than a month. Yet they're continuing to report false information on my credit report. Experian and XXXX  needs to update my payment history correctly as never late and on time for XXXX and 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 2015-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card
Issue: Billing disputes

Complaint:
My credit card payment with Capital One is due on the XXXX of each month. While having this card, I 've paid it off XXXX and I 've made all payments before the due date. This month ( XXXX ) I called the credit card company and made the payment from my checking account with a representative. I was informed that my payment was late because of their XXXX cut-off time to receive payments. My problem with this matter is the fact that the credit card company received the funds from my account on the XXXX, they will not post it until the XXXX or XXXX before XXXX. How is it legal for a company to receive the funds for an account and withhold posting to that account?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My information was leaked during a data breach sometime last year. I received a call from what I thought was USAA to tell me that my account was in jeopardy and they read my information to me exactly ( full card #, full account #, etc ) and told me they needed me to verify a pin code. The short version is this was a phishing scam using information. The scammers made many international money transfers, one after another, over a period of a few weeks. I didn't notice because it was small amounts until one large one went through. I disputed these with the bank, who sided with me on 1 transaction, and declined me on the others. The merchant sent a copy of an -old- drivers license, and a selfie of an individual who is not me, obviously information obtained from the data breach. For many months I have been dealing with identity theft, with people obtaining employment as me, opening XXXX accounts as me, applying for credit cards and loans, etc. A nightmare. 

USAA ruled against me and held me responsible for the illegal transactions and theft. I submitted a police report, an identity theft report, and they still sided against me. They took my account negative {$2900.00} from theft and fraudulent transactions. I contacted the CEO 's office executive communications line, who said they would begin a new investigation. The account was then charged off, and deleted costing me my direct employment account and a bank account I've had for years. 

They failed to keep my account open and failed to protect me from fraudulent transactions and failed to live up to their member agreement not holding me liable. 
I was then sent out to collections for the amount of the theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX.have all violated my 609 rights by reporting incorrect information to XXXX  regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 


My personal information on my credit report is inaccurate as well. I have requested to have my addresses, telephone number, and names corrected on my report this is a violation on my consumer protection rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Have contacted Capital One Bank about getting a letter stating the account under XXXX appearing on my XXXX report. Those not appear in there record under my name and social. they also refusing to go on XXXX way with XXXX to clear this off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I filed a complaint ( Case # XXXX ) against American Education Services last year for not working with me on my private student loans. Now I 'm in an even worse position due to the same problem. XXXX of my loans have gone into default. This company is terrible at coming up with a solution for account holders to pay. I 've called several times and been dismissed by customer service reps and supervisors saying there 's nothing they can do. They forwarded my accounts to a collection agency ( XXXX ) that lied to me on three occasions saying that if I made a {$500.00} payment that they could negotiate a lower rate for me. Never happened! I am about to be a mother in XXXX and my employer brought the loan default to my attention. I 'm in a position where my loans can be garnished. I 'm disgusted with this company and in need of a resolution. I ca n't even refinance my loans due to these companies destroying my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: CITIBANK, N.A.
State: TX
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 made a payment to CITI of {$30.00} on XX/XX/2019 and another of {$50.00} on XX/XX/2019 and was never given credit for them. I provided my bank statement and also the tracer numbers from my XXXX account 3 times and they still say they did not receive it. They then told me they sent the {$80.00} back to my bank, but there is no record of that happening. I have closed the account and still get late fees and the {$80.00} added to my statement.

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 2017-09-11
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I can not access my credit report because it is confusing me with my twin brother. XXXX, experian, and XXXX have not helped me at all.

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 2018-06-03
Company: TD BANK US HOLDING COMPANY
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: Card was charged for something you did not purchase with the card

Complaint:
My Td bank debit card was charged for Unauthorized items. 

{$22.00} on XX/XX/XXXX XXXX  {$130.00} {$210.00}. On XX/XX/XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I can not access my credit report because it is confusing me with my twin brother. XXXX, XXXX, and equifax have not helped me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, my cell phone was hacked and money was taken out of my account about a XXXX dollars. I disputed it the very next day. But my dispute was denied because it happened on my own device and on my own Wi-Fi. But I had reported that my divorce was hacked. They will do nothing more. I had called XXXX. They had me down load an app which apparently gave them access to my device and my Wi-Fi. I thought there were laws protecting consumers from this kind of fraud. It was PNC Bank. I did not willingly send anyone this money and I never thought XXXX knew what sell was. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX, my ex-wife opened a Capital One credit card as a joint account wherein I had no information. She has defaulted on this account and Capitol One has been placing negative information on my report even though I have never received information in the mail or otherwise over these 20+ years. It was in the summer of XXXX when I was brought in on the program with Capitol One in which they state I owe the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX, XXXX at XXXX, I received a suspicious email that was stated as sent from Shellpoint Mortgage Servicing, the company about which we filed complaints # XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. The email was directing me to an unfamiliar website to download files that were supposed to be sent to me from SMS and a deadline retrieval date of XXXX XXXX, XXXX was given. On the side of caution, I did not open the email due to cyber security concerns. On XXXX/XXXX/XXXX at XXXX, I sent an email to XXXX, the person assigned by SMS to our loan account, informing him about my concerns and asking him to contact me for verification of the suspicious email which I forwarded to him. On XXXX XXXX, XXXX, I called to speak with XXXX but was told by a representative that he had not come into the office as yet since he was located in Texas. I told her about the email and she put me on hold to check for any mailing on our account. When she returned she said that saw no email being sent and that their only mode of communication with borrowers is by telephone and postal mail. I called on XXXX XXXX, XXXX to speak with XXXX and I again told that he was not available. My call on this date was about the suspicious email and a letter dated XXXX XXXX, XXXX that I had received form SMS. In regards to the suspicious email, the SMS representative I spoke with told me that it was not sent from SMS because their mode of communication is either telephone or postal mail. I asked the representative why was I receiving a letter asking for the same information that was sent in late XXXX and early XXXX, XXXX. I also told him that on XXXX/XXXX/XXXX XXXX called and told me that no more documents were needed and our file had been submitted to underwriting. But a few days later an SMS representative asked me to send some additional documents which I sent on XXXX/XXXX/XXXX. The SMS representative confirmed that they had received all the documents and that I should ignore the SMS XXXX/XXXX/XXXX letter because our file is now in underwriting. I have two concerns ( 1 ) that to date I have not received a call from XXXX XXXX confirming what the two SMS representatives have told me regarding that I should ignore the SMS XXXX/XXXX/XXXX and the suspicious email and ( 2 ) to avoid any chance of Shellpoint Mortgage Servicing reporting that we ignored loan modification communication as was reported by the previous servicer XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
A time line is attached. My mother applied for a HELOC in the est. amount of {$38000.00} in  XX/XX/XXXX  and suffered a   XXXX    XXXX  in  XX/XX/XXXX ,   XXXX   XXXX   XXXX   XXXX  . She was a   XXXX   XXXX   XXXX   having  XXXX  three times a week and struggled from the time she  XXXX  - in and out of the hospital,  XXXX ,   XXXX   XXXX   XXXX  , admitted into  XXXX ,   XXXX   XXXX   XXXX  , and all along, she tried to rebound, but did not until she passed away in  XX/XX/XXXX . While enduring the instances mentioned, my father was also struggling with the after effects of   XXXX    XXXX  and  XXXX , later passing away in  XX/XX/XXXX . Neither my father nor I realized that personal fraud was occurring in my mother 's Bank of America account until  XX/XX/XXXX  or  XX/XX/XXXX . My father noticed that something was wrong and asked me to find out who the strangers were listed in the account. I followed his direction and went to the bank and the manager spent the time to review the account and discovered that people were stealing funds. She gave me the necessary paperwork to complete while in the bank and with her assistance, the account was closed. There is no conceivable why that my mother could spend that amount of money during the time she applied for the funds, enduring her   XXXX   and until her passing. As did my father with his separate bank account that he held at another banking institution, my mother always managed her finances. Along this time, she was receiving her annuity from her previous employer,  XXXX   XXXX . Time and time again, I have filed reports with the bank with no resolutions and it does not settle well to pay back money when it was stolen.

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 2017-05-20
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I AM REQUESTING A FULL INVESTIGATION IN REGARDS TO MY LATE MOTHER. BEGINNING AROU ND 2004. THE FINANCIAL INSTITUTION I WISH TO BE APART OF THIS INVESTIGATION.I AM LOOKING FOR ANSWERS REGARDING THE SAVINGS, CHECKING, CD, SALE OF PROPERTY, PENSIONS DEPOSIT. DUE TO THE FACT MY MOTHER RESID E WITH HER  SON.HER LAST  SPOKEN WORDS MY SON STOLE ( ALL OF MY MONEY ). SO AS HER DAUGHTER, AND PRIMARY CAREGIVER TO HER END I AM GOING TO PURSUE THIS  MATTER.WHAT  HAPPEN TO HER FUNDS!!!!!!??????????????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX AND EXPERIAN VIOLATED MY CONSUMER RIGHTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: The CMI Group, Inc.
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Item is from a dispute with XXXX XXXX XXXX and was originally placed on my credit by XXXX XXXX in XXXX. It has now been placed on my credit by XXXX different credit collection agencies in the past 11 months. XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX and by XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX on XXXX XXXX, XXXX. 

My husband passed away XXXX XXXX, XXXX. In order to keep my home I desperately need to refinance. I ca n't do that if these collection agencies continue to place this old item onto my credit as if it 's something new!!! PLEASE PLEASE PLEASE make them remove this nonsense from my credit report and STOP!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-03
Company: Remitly, Inc.
State: NJ
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hi, i used REMITLY INC.to do a transfer from my chkng acct. Of XXXX into my wife 's XXXX 's acct of XXXX, i did the transaction on XX/XX/2016 @ XXXX and even paid for express service, then i got t msg frm then confirming t trnsctn at XXXX t same day, bt my wife havent received t $ XXXX she went to t her bnk, XXXX they told her they didnt know this company or deal with them bfr. I call Remitly n ask them abt it, XXXX they say they used the XXXX to do bussines with XXXX, thats why they didnt know abt them, bt again i call XXXX n ask abt Remitly, with t same answer ... they dnt know them!! T funny thing is that i call n complained to t " XXXX '', and they look for thos cmpany, n they are legal n yes, they do bussines in XXXX ... So I call Remitly again, n they insist XXXX is t XXXX doing somthg wrong XXXX not them, i ask for my $ $ back, n they said will take XXXX to return into my acct of XXXX. So u can imagine my frustration bcs that $ $ $ was to buy t gifts for my XXXX kids, Please help me to return my $ $ and clear out this dark bussines. Thnk u very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2019 my brother XXXX XXXX asked me to transfer XXXX to his cash app. He said he couldnt get the money from XXXX. He sent me XXXX through XXXX then I transferred it to my bank then used my cash app debit to attempt to send it to his cash app. The transaction failed and the app said I would get the money back on Wednesday ( XXXX XXXX ) however the money came back to my account at which time he requested the money back through XXXX so I sent him back to him. I'm afraid that some type of fraud may have happend.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: EQUIFAX, INC.
State: NY
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 items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: MARINER FINANCE, LLC
State: VA
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:
Dear Sirs : I opened a loan with Mariner Finance in or around XX/XX/XXXX. I made my payments on time until XX/XX/XXXX when i experienced some financial difficulty. I made up all payments for two months missed in XX/XX/XXXX, and I have not missed a payment since then. I have contacted my local Mariner Finance in  XXXX, VA due to the credit reporting error and they agree with me that it is incorrectly reporting to the credit bureaus or the credit bureaus are incorrectly reporting it. The local branch sent me the account ledger showing my payments have been posting correctly. I believe this is a violation of the FDCPA. The loan is reporting in collection and charged off as of today and has been reporting since last XX/XX/XXXX to be in collections. This is incorrect per the local branch and my evidence.

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