BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-01
Company: NORTHWEST BANCSHARES INC
State: MO
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:
Bank will not refund all funds stolen from account, due to identity theft/fraud. 
My father past away in XX/XX/XXXX, when I went through his bank statements, I found someone had stolen his debit card info. and had been making a lot of red flag purchases, such as XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX My father never charged anything from online sites, since he had no home computer, also his account history for years showed no such purchases. Bank Fraud started in XX/XX/XXXX to XX/XX/XXXX. {$34000.00} was cleaned out of the account. Bank stated will only refund first XXXX from the time fraud started ( which is wrong ). Bank security system did not catch Red Flag irregularities as it should have and if it did, then it should have frozen the debit card. My cousin banks with same bank and if she makes irregular charges, the bank freezes her debit card service. 
I reported theft to Police Department and gave a copy to the Bank, since I had to wait 6 months for courts to make me Executor to my fathers WILL, I was not able to talk to bank and make out Police Report until XX/XX/XXXX. 
XXXX and XXXX who I spoke to at bank admitted that there security system failed. They made comments at XXXXon XX/XX/XXXX. I have spoken to XXXX at the Bank on XX/XX/XXXX and XXXX, XXXX, she stated to me what the Fraud department told her and that if I wanted to file a complaint, she would have Fraud Department call me sometime between XXXX XXXX XXXX, I was in line with other complaints, this is way to long to receive a call, Also from talking to XXXX XXXX it does not seem Bank will reimburse all funds, due to there incompetence. 
Bank is Northwest Bank, XXXX XXXX XXXX, XXXX NY XXXX Ph : XXXX XXXX Police Department Complaint Number 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 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I AM A VICTIM OF IDENTITY THEFT DUE TO XXXX  CREDIT BREECH. THIS ACCOUNT IS FRAUDULENT. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX Total balance : {$10000.00}

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 2017-08-10
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: Account status incorrect

Complaint:
This account was very past due for quite sometime due to loss of income. I started making multiple payments per month starting in XX/XX/XXXX to resolve balance. I disputed the total balance because it was still reporting late and as if I was n't making payments. Company updated saying information was accurate and actually increased the balance due after updating a couple of the posted payments which was incorrect. I then re-disputed with credit bureaus with dates payments were made and amounts. As of XX/XX/XXXX the account was paid in full. Today I received an update to my second dispute as the company stating accurate info ... Open {$550.00} past due as of XX/XX/XXXX and now 180 days or more past due.

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 2020-12-01
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage loan had been with XXXX, however as you know they went our of business and our loan was transferred to XXXX/LoanCare. This transfer ocurred in XX/XX/XXXX as my memory recollects. I am a XXXX military Veteran and never expected for this to happen to us. On our original loan with XXXX XXXX, Az originator of the loan we did not include escrow as part of our terms as we put down 30 %. In XX/XX/XXXX when our loan transferred to LoanCare they started adding the property taxes to our monthly payment and we were not aware of this and we continued to give the regularly monthly payment of {$580.00} -- - causing us to be counted as late due to the incomplete amount of the now payment of {$640.00}. LoanCare increased our payment by {$52.00} for the monthly property taxes. In addition this now has been reported to the credit bureaus giving us a negative report and reporting us as being late. On XX/XX/XXXX we sent in an amount of {$1500.00} that we did not know what it was for, however Loancare told us we needed to send that in to keep our account current. Then on XX/XX/XXXX we were told we needed to send another {$1300.00} to cover 3 payments. I am not sure what all of this needed to happen but I would like to know where all this money has gone and for what? 
This is not fair. We have always understood that the terms of the loan can not change once the loan is closed. We need this to be fixed and corrected. Although, I do have to say, we have been giving the payment of {$640.00} which includes the property taxes. 
Thank you for your help on assisting us to get the issue corrected as far as the late reporting on our 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 2020-12-01
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Balance {$240.00} XXXX-Balance {$730.00} XXXX XXXX-Balance {$20000.00} FXXXX XXXX-Balance {$360.00} FST XXXX-Balance {$130.00} XXXX-Balance {$470.00} XXXXBalance {$0.00} XXXX XXXX XXXX {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXBalance {$130.00} XXXX XXXX XXXXBalance {$12000.00} XXXX-Balance {$0.00} XXXX  XXXX XXXX-Balance {$0.00} XXXX XXXX FXXXX-Balance {$2400.00} XXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: SLM CORPORATION
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I took out loans from Sallie Mae over the course of my time in college ( XXXX ). The loans totaled {$98000.00}. I've paid over {$46000.00} so far, and my current amount due is over {$110000.00}. Looking at these numbers alone is enough to show that Sallie Mae is a predatory lender. They've lied to me on multiple occasions, even denying a phone conversation occurred in which they told me the amount I would be paying per month would be roughly {$600.00} cheaper than it actually was. Sallie Mae has a history of giving out subprime predatory loans. This is nothing new, and at this point I refuse to negotiate with the company unless they're going to wipe my loans clear. THEY are supposedly the loan-giving experts that gave out bad ( subprime ) loans that they had no reasonable expectation of having paid back. But it's all about profit through exploitation for Sallie Mae, and it's disgusting how this is being ignored by the CT AG and the CFPB. I've submitted this claim several times, even linking the exact sections of the legal code that would absolve me of future payments due to an undue hardship on my co-signer and I. Why would I spend MORE money on a lawyer to prove a point I'm capable of proving on my own? The numbers alone prove that predatory/subprime lending occurred. Sallie Mae can expect me to stop paying 100 % on my loans, and if they wish to waste more money taking me to court, so be it. Good luck taking the nothing I have and garnishing my wages. If that happens, I'd simply stop working so there's no wages to garnish. I look forward to the company 's nonsense response that shows they haven't understood a single point I've made. To make my point clear once more, Sallie Mae is a predatory lender who gives out subprime loans for the purpose of making a profit by destroying an entire generation 's hope for financial independence. I'm saying 'no more ' whether the CFPB, court system, or Sallie Mae accepts it. Nobody can force me to do anything, and I'll make sure that if I go down for this, I'm taking Sallie Mae with me. Garnish my wages, I'll refuse to work, and I'll spend every day going to college campuses diverting people from Sallie Mae by simply telling the truth. If you think I'll let you get away with destroying my future, I'll make sure to divert millions from your greedy, slimy, predatory hands.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
An continuance of fraudulent attempts of hard-pull inquiries of 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 2017-08-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had a fight with Chase Credit Card on a business card that I was not responsible for as I was a XXXX XXXX in the XXXX XXXX I left. We went round and round. They could not provide a written contract that I was responsible for the credit card. I think it may have been the business agent at Chase that did it. After a long fight I was able to get them to discharge the debt, but they still refuse to take it off my personnel credit report. On top of that even though I have an excellent credit score at XXXX. Chase is denying me credit cards that are attached to other companies, such as XXXX XXXX etc. Based on a lie of delinquency and derogatory relationship with the bank. Our relationship has definitely been rocky but I have never been delinquent on any of my credit card or mortgage payments. Even the mortgage payment I have is with Chase. I think they put me on some kind of secret Black List because in the explanations I have given to other credits etc I excused them of being like XXXX XXXX and opening business credit cards without letting the person know. I have attached their letter of denial and my letter of explanation of the business credit card issue. If you need additional documentation of information please contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
more than 4 months i received collection form Equifax regarding my previous renter with collector company named XXXX XXXX for amount of {$1300.00} but i have 2 judgements against this i called Equifax and start dispute more than 7 times but no responds from them so i need to remove this collection from this company in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: EQUIFAX, INC.
State: AR
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX {$3100.00} XXXX XXXX {$810.00} XXXX XXXX XXXX {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: CONTRACT CALLERS 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 status incorrect

Complaint:
On XX/XX/XXXX I was notified by my mortgage broker that a collection item was placed on my credit report. I contacted the collection agency, Contract Callers to resolve this matter. They stated that they are pursuing me for past balance owed for an old utility bill that I owe to XXXX XXXX XXXX XXXX XXXX. I was never informed of any outstanding bill owed. In XXXX I relocated from XXXX to XXXX, GA and during the relocation, I was advised of this charge. Nonetheless, I paid the amount owed to the collection agency but the collection agency refuses to remove the item on my credit report. Furthermore, I spoke with XXXX XXXX XXXX XXXX XXXX and they stated they will contact the collection agency to have this erroneous profile removed from credit report immediately.

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 2020-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Case Number : XXXX Amount : {$94.00}, this is a response rebuttal to the letter issued by Capital One on XX/XX/2020, additional supporting is not included as it is not applicable based on what was requested in the letter. Capital One did not adjudicate my billing dispute properly, placed order with merchant, it was for a delivery of food, it is well known through a simple XXXX search that merchant treats the delivery drivers horribly, thus, leading to delivery drivers rushing in an attempt to make a living. As mentioned, in my original dispute submission, delivery driver XXXX XXXX was rushing and dropped the open bag of food on the outside sidewalk. The cheap flimsy containers opened up on the ground. Therefore, the delivery driver took the entire order back with him and advised me that he would cancel the order in the system. It is obvious that as a customer, I followed through and received verbal confirmation from the delivery driver who " represents the merchant ''. Obviously, the delivery driver isn't able to give me any type of a cancellation receipt as the merchant doesn't supply the delivery drivers with this and nor do they require it from the delivery drivers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
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 paid

Complaint:
Responded to Portfolio Recovery Associates mail offer that if I pay a certain amount for a collections account, then theyll have the account be considered settled in full with the three credit reporting agencies, however, they did not meet their end of the agreement and the account shows on my credit reports as settled for less than the full amount not settled in full as promised. I will not speak to any of their rude employees who proceeded to harass me to pay more money even though the account should already be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/19, I applied for the Capital One SavorOne credit card. Their website specifically stated that new cardholders would " earn a one-time {$150.00} cash bonus once you spend {$500.00} on purchases within the first 3 months from account opening ''. I have never had this product before with Capital One and this promised bonus was a major reason I applied for this card. I have had other product lines with Capital One. 

I met the spend threshold during my XXXX statement and did not receive the bonus on my following statement. I decided to wait to see if it would take time to post. However, as of this week, my bonus still wasn't received. I called into the customer service number on the back of my card and they said they didn't see a record of the sign up bonus. 

I then decided to reach out to Capital One 's Executive Office, advising that the frontline CSR was unable to assist. They advised that their spend offer was not open to applicants with existing Capital One accounts. However, that language was not used on their website, nor was that restriction clearly noted. 

While they claim that this restriction is listed in their disclosures, the information accessible on their page is purposefully misleading. They also had no such restrictions in the past regarding bonuses, so they did not have a precedent to deny a bonus to applicants with other Capital One products.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: WELLS FARGO & COMPANY
State: CA
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:
I purchased furniture using my Wels Fargo credit card. The furniture was delivered in horrible shape and asked Wells Fargo to hold off on payment until the issue was resolved with the furniture store. They agreed to do this. 

The furniture store ( XXXX XXXX ) sent Wells Fargo a fraudulent delivery receipt that they claimed I had signed. It was not my signature, that has been verified by Wells Fargo as not mine. 

I want an answer from Wells Fargo why fraud is O.K. at their bank. They stated they did a thorough investigation into this matter ... .they did nothing as all their facts are incorrect. I never signed a delivery receipt, I was not offered a refund ; just a store credit and I never cancelled or claimed to cancel the order. XXXX XXXX  does have a guarantee that all their furniture will be delivered without any factory defects, which Wells Fargo and XXXX XXXX seem to have overlooked. 

As for Wells Fargo THOROUGH investigation ... try again!

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 2020-12-01
Company: Experian Information Solutions Inc.
State: NV
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 submitted a dispute to all 3 credit bureaus ( Experian, XX/XX/XXXX and XX/XX/XXXX XXXX on XXXX via USPS certified mail. Unfortunately, as of today I have not received any response from Experian or XX/XX/XXXX. 
I know that Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a full re-investigation within 30-45 days. 
On top of the stress that COVID-19 has caused me personally, I am truly distressed about my credit and the lack of assistance that the credit bureaus are offering. 
I would like to know the following information : 1. Did Experian and XX/XX/XXXX receive my reinvestigation request/dispute letters on the date provided by USPS? 
2. If so, why have I not heard back from them? 
3. If my dispute was not received, then who has all of my account information and copies of my personal documents that was sent certified to the credit bureau?

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 2018-03-04
Company: Experian Information Solutions 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:
experian keep reporting wrong information on my report i have contacted them many times about XXXX XXXX  XXXX acct # XXXX this account has been paid in full with no balance but they keep showing a balance and saying its been certified by the company as accurate which i know experian is not telling the true because the company gave me a letter to send to them and they yet still say the information is accurate also acct # XXXX with XXXX XXXX XXXX is close and they still showing balance when i dispute items on my experian report they always say the item have been certified as accurate they are not checking the information to see is it accurate or not i am tired of fighting with them about putting miss leading information on my report i have support ducments

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