BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-17
Company: BARCLAYS BANK DELAWARE
State: NE
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:
Last XXXX ( 2019 ) I flew from XXXX to Texas on Frontier. The stewardess made an announcement regarding the Frontier credit card. She promised a certain amount of bonus miles as well as promising that the annual fee of {$79.00} would be credited back to the account if a certain amount were charged to the card within ( I think ) the first 30 days. She passed out the applications, I verified with her the promotional agreement re bonus miles and fee. I received the card and used it immediately, satisfying the terms she stipulated. 

When I received my first statement, my charges AND the annual fee were pending. I called Barclays who claimed to know NOTHING about such a deal. The representative I spoke with suggested I wait until the next statement to see if the annual fee were credited back to me then. It wasnt. So I called again only to be told they couldn't do anything for me, that it was Frontier 's responsibility. At one point I was told that if I had only called within 60 days, they could have closed the account and refunded the annual fee. My original call was within 60 days. I paid off my charges and the interest on said charges, contacted Barclay again to close my account and notify them that I was disputing the annual fee only to receive a statement the following month with a late fee. Once a dispute is made to an account, it is standard procedure to freeze the balance there and send a report to the credit-reporting agency of delinquency. So I contacted them again. Their plan is to continue to add a late fee each month. 

I also called Frontier customer who referred the situation back to Barclays because  they were the bank. They intimated/stated that I had misunderstood the stewardess. I am neither unintelligent nor hard of hearing. Besides, I verified that specific information with the stewardess before disembarking. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX Acct. # XXXX XXXX XXXX XXXX SS # ending in 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 2022-07-11
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:
15 U.S.C 1681 section 602 A. States I have the right to privacy XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX

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 2022-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My ID has been stolen more than once in the last couple of years but recently I have been Contacted about this problem by an arbitrator stating that I have a credit card open in my name and its not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: Seterus, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am in the process of purchasing a home, and during the loan approval process have reached out to my prior mortgage company, Seterus Inc., to gather necessary documentation. Specifically I need a payment history for the past 12 months, along with a coy of modification paperwork for the modification done XX/XX/2015. I have spoken with them on 3 separate occasions, and have yet to receive the requested information. My earnest money of {$1000.00} is now at risk and I am also at risk of losing the homebuying opportunity. They refuse to let me speak with a manager after multiple requests s well. Also, every time I call they give various reasons as to why the former request was not processed, stating the prior rep did not process correctly. I now have only 10 days left and am seeking escalated assistance in getting this resolved so that I do n't lose my home buying opportunity and all of the funds invested to date. I am requesting your kind assistance. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Dispute filed I've emailed and went into the branch several times. No one has helped I have several other items that won't load to the portal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
theres a inquiry for XXXX XXXX on my credit report, i did not authorize the use of my social security to this company nor I interested in this company.

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 2017-01-25
Company: DISCOVER BANK
State: MN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I would Like to file a complaint on Discover card my son had opened up a credit card in my name Once I found out that a card was open up in my name filed a police report with my local police I did n't send the copy of the report to Discover due to the fact that I went ahead and Paid the card Office. Now Discover card is refusing to removed the Negative information from each of my credit File after sending them a copy of my police report. per the FDCPA / FCRA Consumer protection I feel that Discover card is in full violation of the federal Law I will be hiring XXXX Law Firm for Legal action if this matter is resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In XXXX, I was saddled with debt that included unsecured credit card debt, auto loans, open revolving accounts. 

From XX/XX/XXXX until now, I have faithfully retired all of the credit card debt except one, paid off an automobile, paid down the second car to {$2000.00}, and continued to pay EVERY debt on time-EVERY debt paid on time. 

However, instead of a steady improving credit score, my credit scores constantly go up and down even when there is zero change in debt load and all payments required are paid on time. 

From the credit reporting agencies, I receive daily requests advising me to apply for unsecured credit cards as a way to improve my credit scores-the polar opposite of what I want to do-acquire more debt. 

This is really a consumer nightmare : to work feverishly to improve credit scores only to receive up and down scores that are inexplicable. 

With a credit reporting system that hustles for credit card companies and does not reward debt reduction and on time payments-repeatedly, a consumer does not stand a chance. I am trying to qualify for a mortgage and for some reason unknown to me, my credit scores are not improving. Why? 

Please investigate and note my payment history since XXXX until now and tell me why my credit scores do not reflect my on-time payments and debt reduction.

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 2015-08-27
Company: Armed Forces Loans of Nevada Inc.
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a loan with a company Called Armed Forces Loans of XXXX. I was active duty military at the time and I was in need of a loan due to unexpected expenses. I received an approval through Armed Forces Loans of XXXX. At the time I was just excited to get approved for the funds that I need, but as time went on I realized I was in a much better situation without the funds from this company than before I made contact with this company. 

I was charged interest rates upwards of 34 % which I know now is not allowed for XXXX military members for an interest rate to be so high it should be maxed at 6 % ( due to laws such as the SCRA etc. ), this interest rate is also not allowed for the state of XXXX Residents. I was also not aware that this company may not even be allowed to lend to Maryland residents due to not being licensed in the state or not following the XXXX interest rate guidelines. 

This company has left countless remarks on my credit report in order to get this debt collected and it has become very damaging to my credit profile. I am willing to take full responsibility for the debt and I would like to get this account settled but only if this is indeed legal account ( loan ). 
I would like to request the company send me : A copy of my full account statement ( Loan Amount and Terms ( signed by me ) to include interest and fees ) which have never been provided by the company and are not available on my online account. 
Also I request the company send me their License information that grants them authority to lend in the State of XXXX and or to XXXX Residents. 
Any other relevant documentation to prove this company has the ability to lend to myself. 

While this process is ongoing I would like Armed Forces Loans to remove all account information ( collection accounts, derogatory remarks etc. ) and to cease collection attempts. 
It has been brought to my attention that I may be a victim of deceptive lending or predatory lending and if this is the case due to what has been listed above then this account should become void. It makes this very suspicious when they do not want to reveal original documents or provide certain proofs that are required by law. 

Upon the Company receiving this complaint I wish that if I am wrong about any of the above mentioned that they will not show any type of retaliation efforts and cause more damage to my credit than they already are. I am just a concerned consumer that wishes to verify my rights. 

I do not wish for Armed Forces Loan to contact me until they can provide what was listed about as I do not want to be put in a more stressful situation than this already is.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I am being charged almost {$10.00} a month for life insurance credit protection through Best Buy/Citibank credit card. I never signed up for this service. The company will not remove any charges even though I have asked them for proof that I consented. In addition, I 've never been given any sort of paperwork or any details on exactly what this product is. The monthly fee is XXXX of my payment every month. Because of this fee I 've barely paid down my balance, it 's just a continuing cycle.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-25
Company: Experian Information Solutions Inc.
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:
I HAVE CONTACTED EXPERIAN MULTIPLE TIMES AND THEY HAVE FAILED TO INVESTIGATE MY DISPUTES. IVE PERSONALLY WENT TO A NOTARY AND NOTARIZED ALL MY PAPERWORK LETTING EXPERIAN KNOW THAT I AM THE PERSON DISPUTING THESE FRAUD ACCOUNTS ON MY CONSUMER REPORT! THEY HAVE FAILED TO UPHOLD THE CONSUMER LAW! EXPERIAN IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ). EXPERIAN HAS NO PERMISSION TO REPORT ANYTHING USING MY INFO WITHOUT MY WRITTEN CONSENT PURSUANT TO 15 USC 1681B. THEY HAVE BROKE THE FEDERAL CONSUMER LAW!

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 2022-02-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I owned a best buy credit card - I have been a best buy credit card holder for the past 5 years and I only have used the card at the store. 

I noticed charges on the card that I have never made to the Citibank. 

All the transaction on the account have been made in New York. I have not made those transaction I live and reside in Florida. 

Can someone please assist 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 monetary relief
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX Acct. # XXXX. 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which aggregates the report by more than seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
here is an additional to my other case  XXXX . I received this letter yesterday from bank of America. They are doing exactly what they did to me the previous time so they wont give me the modification. Bank of America are a bunch of lairs and I am so sick of they saying I did n't follow up with their paper work. I submitted everything they requested  within 24hrs and I have the faxed confirmation to prove it.

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 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I HAVE CONTACTED TRANSUNION MULTIPLE TIMES AND THEY HAVE FAILED TO INVESTIGATE MY DISPUTES. IVE PERSONALLY WENT TO A NOTARY AND NOTARIZED ALL MY PAPERWORK LETTING TRANSUNION KNOW THAT I AM THE PERSON DISPUTING THESE FRAUD ACCOUNTS ON MY CONSUMER REPORT! THEY HAVE FAILED TO UPHOLD THE CONSUMER LAW! TRANSUNION IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ). TRANSUNION HAS NO PERMISSION TO REPORT ANYTHING USING MY INFO WITHOUT MY WRITTEN CONSENT PURSUANT TO 15 USC 1681B. THEY HAVE BROKE THE FEDERAL CONSUMER LAW!

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 2022-07-06
Company: EQUIFAX, INC.
State: GA
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  the following account numbers indicated below have violated my rights to privacy, according to 15 USC 1681 Section 602A.

Furthermore, according to 15 USC 1681 Section 604A, Section 2. A consumer reporting agency can not furnish an account without any written instruction. 

Account # Original Creditor Original XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: TD BANK US HOLDING COMPANY
State: RI
Product: Credit card
Issue: Other fee

Complaint:
I purchased Groceries on a Target Red card in exchange for 5 % off in XXXX 2016 I received no bills from Target or reminders regarding payment-XX/XX/XXXX to XXXX as far as I can tell XXXX XXXX 2016 They started charging me late fees Original purchase was {$50.00} End of XXXX with late fees this was XXXX I got a letter by mail saying I was 56 days late with a Large late fee and Interest on a & lt ; {$50.00} purchase and they would not reverse it and reported it to credit bureau

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
I opened a Sears account a few years ago to reestablish my credit. I received a letter from them dated XXXX/XXXX/15 informing me that they were not renewing my account after the due date. In the letter it states twice in the letter information from my credit report. It states their decision was based on a credit system that assigned a numerical value to various item on your account and credit report. After providing the details with the credit bureau contact info it states, Please note, other than providing information, the reporting agency played no part in or decision, that is not true. I spoke with XXXX today who informed me that the did a soft inquiry on my account to review my credit. During the month of XXXX 2015 I had a XXXX balance. Sears and Citibank bank were not truthful in providing the reason as to why they were not renewing my card. If the credit bureau info was not a factor why was it on the letter twice? My credit history should not have been a determining factor with my Sears account. My history with Sears ONLY should have only been reviewed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: PNC Bank N.A.
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I stopped making payments on my private student loans because no one could give me the original contracts for the loans that showed the interest rates being charged. Various debt collectors sent letters over the years seeking varying amounts. One week before the six-year statute of limitations expired in my state,  XXXX  brought a lawsuit in state circuit court. The contract attached to the complaint said that a different state 's law governed the enforcement of the contract. That state has a four-year statute of limitations. The issue of whether  XXXX  filed a lawsuit after the expiration of the statute of limitations is currently pending before my state 's Supreme Court on interlocutory appeal. Another part of the interlocutory appeal is whether the mistakes on the summons result in a lack of personal jurisdiction.    XXXX  did not sue in its legal name, which is " The  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  '' It admitted that it did not own the loans that it sued upon. It also later admitted that it did not have the original contracts that it sued upon, which are necessary under the " best evidence rule '' at trial.  XXXX  claims to be a loan servicer and that    XXXX    other corporations own the loans. My credit report showed that a completely different corporation owned at least   XXXX   of the loans sued upon.  XXXX  did not include all   XXXX   loan account numbers in the complaint and refused to add the true owners of the loans as " necessary parties '' to the case.   In my state, a loan servicer that collects loans it does not own is operating as a " collection agency. '' A collection agency must be licensed in my state, and  XXXX  was not at the time of the lawsuit. In my state, a collection agency is not allowed to bring a lawsuit on behalf of a creditor or any other entity. I have alerted my state attorney general and the department of licensing. I am writing this to help anyone who has been sued by this corporation. State and federal consumer protection laws  may  help you file a counterclaim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was unable to use my debit card in the store as it kept saying my debit card was unavailable. I didnt receive a pin and the person kept telling me my debit card was fine as it was not. I was hung up on and had to call several times and to get help and was not. I couldnt even purchase groceries and had to use my non Truist bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
If you make your payment on line and it is the XXXX or after they charge a {$10.00} Rush fee - even though the payment is not delinquent ( assessed a late charge until the XXXX ) There is no way to pay your payment on line after the XXXX with paying this fee. Additionally, if you pay after the XXXX of the month they assess a late charge and the fee. I want my {$10.00} fees back.

Company response to consumer: Closed with explanation