BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-21
Company: BARCLAYS BANK DELAWARE
State: OK
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:
I contacted Barclay around the first of XX/XX/XXXX because I was charged {$99.00} annual fee. The promotional offer was {$0.00} intro annual fee for the first year, then {$99.00}. 

Since this time, they have not removed the {$99.00} annual fee. The account was opened in XX/XX/2019. Today, XX/XX/2019, I spoke with XXXX who told me there was no " {$0.00} intro annual fee for the first year ''. I explained to him that I had the brochure in my hand and that it was advertised both on the brochure & on the XXXX XXXX flight that it was {$0.00} intro annual fee for the first year, then {$99.00} ''. He explained that there were several promotions and this was not one of them. I asked to speak with his supervisor to which he told me that they would " tell me the same thing. '' He then proceeded to tell me that the " NO ANNUAL FEE '' was effective for " XX/XX/XXXX '' only. NO WHERE on the brochure does it say that. It says to sign up before XX/XX/2019. 

I explained AGAIN that the REASON I signed up & the reason given to me by the flight attendants & brochure were for the following : 1 ) {$0.00} intro annual fee for the first year, then {$99.00}, 2 ) 60,000 XXXX XXXX XXXX Bonus Miles, 3 )  {$99.00} companion flight certificate, 4 ) {$25.00} back on in flight Wi-Fi purchases, 5 ) 25 % inflight savings, 6 ) Preferred boarding & free 1st checked bag, 7 ) Earn 2x XXXX miles for every {$1.00} spent on AA purchases, and 8 ) Earn 1x XXXX miles for every {$1.00} spent on all other purchases, 9 ) I would receive 500 bonus miles since I was a first-time applicant. All of this if I signed up before XX/XX/2019 ; which I DID! ( and all I needed to do to make this happen was simply to make 1 purchase! " Even if was a pack of gum '' as explained by the flight attendants. ) This is nothing but a racket and terribly disappointing by a major Airline who has chosen to partner with such a terrible financial institute. I want a refund for my {$99.00} that they charged me!

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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
TransUnion 's page for credit freeze has been down or non-functional since the XXXX hack last week. There has been no response from the company. As of now, it is not possible to freeze credit with TransUnion. 

https : //freeze.transunion.com/index.jsp

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 2022-06-14
Company: EQUIFAX, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: LEXISNEXIS
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have looked into my record online - I had asked for transcripts of the information from the insurance company that made fictional claims against me, and this has impacted me in such a negative way that it is impacting my quality of life. There is a company called lexis Nexis I've never heard of them- but I know that the information which is on my Vehicle Insurance history is false. It needs to be removed from my records that were falsified by XXXX XXXX XXXX about claims that I stated incorrect dates or made a fraudulent claim in which I had requested the voice recording and logs of the calls that took place between me and their company which they failed to provide such proof of the conversation happening between myself and XXXX  XXXX XXXX. I had asked them to remove these remarks from my insurance history, but they have failed to remove them. I ask that all negative remarks from XXXX XXXX XXXX and Incidents that were never made with them be removed from my insurance history records immediately. I am unsure of several remarks on my file which I do not know what they are. Please be careful when doing business with XXXX XXXX XXXX  they will drop you if you make a claim and don't want to pay it out or they will try to make you " say things '' so they do not have to cover the " claim '' and they will accuse you of making fraudulent claims - I dropped them when they tried to do this with me and went with a new insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A short sale was approved on XX/XX/XXXX by SLS Servicing LLC. The second mortgagee, XXXX XXXX, approved the amount they will receive on XX/XX/XXXX. SLS Servicing required the short sale to close on or before XX/XX/XXXX or the short sale agreement was voided. The problem is that the earliest date that the Chapter XXXX bankruptcy judge set for the review is XX/XX/XXXX. This action is putting me at risk of losing the buyer of my home. I am concerned over SLS Servicing looking for a reason to just foreclose on my home. SLS recently denied an extension of the closing date. They stated that the appraisal, that was performed on XX/XX/XXXX expires on XX/XX/XXXX. Before the court date. They are incorrect. It is standard in the mortgage industry that an appraisal valuation is good for 6 months. That would be until XX/XX/XXXX. Every request to extend and try to work this out is denied by SLS Servicing. They are causing a lot of unneeded stress on me and my family.

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 2018-11-23
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
XXXX, Equifax and XXXX are all reporting Bankruptcies twice on all 3 of my Credit Reports. 

XXXX is reporting 2 Bankruptcies dated : XX/XX/XXXX and XX/XX/XXXX. 

Equifax is reporting 2 Bankruptcies dated : XX/XX/XXXX and XX/XX/XXXX. 

XXXX is reporting 2 Bankruptcies dated : XX/XX/XXXX and XX/XX/XXXX. 

However, I have tried to dispute these inaccuracies with all 3 Credit Reporting Agencie : XXXX, Equifax and XXXX. However, they have yet to MASK these items, from my Credit Reports.

However, on XX/XX/XXXX after I disputed these inaccuracies with XXXX, Equifax and XXXX. XXXX  and Equifax REMOVED the Bankruptcies, from my Credit Report, but then ADDED them right back on my Credit Report the SAME EXACT day! I have also attached proof of this with this complaint.

I have also contacted the Federal State Bankruptcy Court that responded back to me via signed letter stating, That they do NOT REPORT any Bankruptcies to any of the 3 Credit Reporting agencies. I have attached this letter, from the Federal State Bankruptcy Court to this complaint.

I am requesting that ALL 3 Credit Reporting Agencies : XXXX, Equifax and XXXX  IMMEDIATELY REMOVE ALL of these Bankruptcies, from my Credit Reports. Because ALL 3 Credit Reporting Agencies are in violation, of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: AMERICAN EXPRESS COMPANY
State: LA
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 was charged an annual fee on this card on XX/XX/18 in the amount of {$190.00} for a XXXX Platinum card. 

I found out about this and down graded the card to a no fee card. In the past the credit card companies have refunded the annual fee en toto and downgraded the card within 2-3 days There were no charges or benefits of the platinum card during the two day interval. 

I have been informed by Amex that they will hold the refund for 45 days, and then only remit a pro-rated amount, i.e. $ XXXX/365 days * 45 days. This is the case even though there are no other parties or disputes to resolve, so a refund could still be given in 48 hours. Also they are charging for the benefits of platinum, that I as a customer can not avail myself of. 

In addition, they claim since they say they read a disclaimer that they have a right to break from customary dealings and hold the float and XXXX out a prorated fee on a card I can't utilize. 

I think this runs afoul of consumer protections. The only support at Amex were offshore agents who have little familiarity, and stressed the disclaimer. 

Please spread the word about this nefarious practice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XXXX reported that I paid my car loan late in XX/XX/2018 which is inaccurate. XXXX XXXX XXXX offered its customers Disaster relief for the Hurricane and I was granted relief. I made my payment on the date they informed me to start paying my loan again and they incorrectly reported me for late payment to the 3 credit bureaus. I want this removed 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 2022-06-14
Company: Experian Information Solutions 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 submitted a theft affidavit and police report in regards to fraudulent accounts and the accounts were not removed and blocked. I did this on more than one occasion. This is a violation of the FCRA. 

THE ACCOUNTS ARE : XXXX XXXX  XXXX XXXX  MY ADDRESS IS INCORRECT. IT SHOULD BE XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX AS MY ID SHOWS 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 non-monetary relief
Consumer complaint received 2022-06-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On Thursday, XX/XX/XXXX, I received XXXX emails from Wells Fargo which I immediately reported as spam and deleted. I did not open these emails. The next day, on Friday, XX/XX/2022 I received an actual plastic debit card from Wells Fargo bank with what I would consider " normal '' paperwork for activating a credit or debit card. I do not have an account with Wells Fargo and this debit card was completely unsolicited. I did not activate it but instead looked up Wells Fargo online and called an " Account Management '' number for Debit and Credit cards. As a result of this conversation, I was given a claim number, XXXX and told to contact the FTC and the police. I was also told that Wells Fargo would contact me again via email. They have not. 

On Monday, XX/XX/2022 I received a letter from Wells Fargo dated XX/XX/2022, several days before all the above. The subject of the memo is : Closure of your deposit accounts : Account number : XXXX. This letter went on to say that they reviewed my account and decided to close it because it had been " compromised or impacted by potential identity theft. '' I agree that it is identity theft but it was Wells Fargo who committed the identity theft! 

Please note also that this letter used an old address " XXXX XXXX XXXX XXXX '' and I have not lived in the " rear '' address for over 13 years. My current address is XXXX XXXX XXXX. 

THIS MUST STOP. This is the 2nd time in less than six months where I have been the victim of a similar scam. Please see my previous complaint XXXX. 

I am not uploading files at this time but would be happy to do so at your request.

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 2019-11-23
Company: Experian Information Solutions Inc.
State: AR
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:
Hello, The following account was never late. Please update or remove from my account. Thank you. 
XXXX Account # XXXX The following account is not mine. Please update or remove from my account. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX Ref # 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 2017-09-13
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My social security number was compromised in the recent Equifax security breach. I 've attempted to contact all three credit agencies to place a credit freeze on my accounts. XXXX was able to process my request over the phone. Equifax ( the company that allowed my information to be compromised ) was not able to complete a credit freeze via phone ; I called and the line went to a busy signal and disconnected 7 times before I gave up calling. XXXX was unable to process my request and said that I need to call back between XXXX and XXXX eastern time - this is very difficult for me, timing wise, and I 'm confused why I ca n't submit a credit freeze via an automated system. I do not choose to do business with any of these three agencies. My relationship with them is coerced and forced. Yet I can not even get them to place a freeze on my credit? When I have been made aware that my credit information has been compromised? How is this not criminal? It 's a XXXX joke and it needs to be fixed. If my information has been compromised ( along with another 139,999,999 people ), I need to be able to safely put a hold on all of my credit so that nobody who has criminally obtained my information can open any new credit and if 2 of the 3 agencies responsible for this are unable to complete my request via phone during normal business hours in my home state of Arizona then something needs to change. I also attempted to request my credit report online for all three of the agencies and NOT A SINGLE ONE was able to complete the request online. Are you XXXX kidding me? Not one of 3 agencies could provide me with the FEDERALLY MANDATED credit report I requested and only one of the 3 was able to put a credit freeze on my accounts, as a result of this verifiable security breach of Equifax. This is seriously embarrassing and needs to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: BARCLAYS BANK DELAWARE
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: Card was charged for something you did not purchase with the card

Complaint:
On my XX/XX/2018 bank statement i observed two unauthorized charges from XXXX Store ( {$920.00} and {$170.00} ) which as soon I noticed them I reported to the bank so they can investigate this matter.. The first time I contacted the bank they asked me a few questions and one of questions was if I had the card in my possession since I only use credit cards for emergencies I though the card was in my possession and my answer to their questions was YES, however ; after going through my Cards I realized that the card was not in my possession. 

A couple weeks later, I received a denial letter from the bank making me responsible for the charges although I explained to them that those charges were not made nor authorized by me. I contacted the bank and I explained to them that the card was not in my possession at the time the fraud took place however the bank insisted that I was responsible for those charges. 

As a consumer, it is my legal right to request evidence for the disputed purchases and a voucher with my signature is the only evidence that will make me liable for these charges if in fact I made these purchases. I have requested in many occasions to the bank to provide me with the vouches as I as I want to verify my signature but the bank has refused to provide me with such important piece of evidence. 

The bank is being bias and because I said by mistake that the card was in my possession when I filed my claim the fist time they are using that against me but they dont really have any evidence at all to prove that those charges were made by me. 

Technically speaking I should not pay for these charges however, currently I am paying for these fraudulent charges just to keep my credit in good standing. 

I need for the cfpb investigate this matter and to resolve it in a fair manner otherwise I will exercise my legal right. 

.

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: EQUIFAX, INC.
State: MI
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:
My personal information, including Name, Address, SSN, and other information was accessed through one of the major credit reporting firms ; Equifax.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover the breach via a major News Outlet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: AL
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 sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX , AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-14
Company: Early Warning Services, LLC
State: TX
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:
XXXX XXXX XXXX accused me of fraud and reported me to Early Warning in XX/XX/2020. I submitted a complaint to Early Warning advising the report was erroneous. On XX/XX/2020 I received a letter that Early Warning blocked the fraud being reported due to identity theft. On XX/XX/2020, Early Warning rescinded their findings and put the fraud back on my report advising that XXXX determined the fraud was correct. On XX/XX/2020 Early Warning applied the block and then XX/XX/2020 rescinded the block. I submitted reports to Early Warning and a letter from my attorney advising this was indeed identity theft but Early Warning is refusing to acknowledge my police reports, attorney letter, the complaint I sent to the Texas Attorney Generals office, and the letter I provided from XXXX indicating there was no fraud committed by me. Early Warning is unfairly penalizing me for something I didnt do. Ive keep all correspondence if more information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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 late payment on the dates below : XXXX days past due as of XX/XX/XXXX XXXX days past due as of XX/XX/XXXX XXXX days past due as of XX/XX/XXXXXXXX days past due as of XX/XX/XXXX Charge Off as of XX/XX/XXXX to XX/XX/XXXX 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