BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-02
Company: BARCLAYS BANK DELAWARE
State: TX
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 recently flew on XXXX XXXX and they were offering a special on the AAdvantage Aviator Mastercard that included XXXX airline miles and waiving of the {$95.00} annual fee for the first year. 

I took the brochure from the flight attendant but didn't want to complete the application ( including my social security number ) and hand it back to the flight attendant so I went online at home and processed my application on their website which showed the same offer. The offer did not require the application to be completed on the plane and I confirmed that with the flight attendant. 

I received my card in the mail today and gained online access to my account. It immediately showed an annual fee of {$99.00} ( higher than the {$95.00} advertised ). I called Barclays to request removal of the fee ( per the offer I was given ) and they told me that I was not eligible to have the fee waived since I had not returned my application to the flight attendant. 

I explained that I was concerned about identify theft and didn't feel comfortable sharing a document with my social security number with the flight attendant and was told that was the only way to receive the offer. 

To summarize, Barclays AAdvantage Aviator Mastercard 's offer to waive the ( now increased ) {$99.00} annual fee is only available if you are willing to share a document with all your personal information with a flight attendant on an XXXX XXXX flight.

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 2020-02-03
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a buyer willing to pay the bank {$990000.00} and payoff {$300000.00} in violation and bank is refusing to accept. My credit will be ruined and I will never be able to buy a house if a foreclosure is reported on this property

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: EQUIFAX, INC.
State: GA
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 disputed Credit 1 XXXX XXXX  XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX  On XX/XX/21, XX/XX/21, XX/XX/21. Eventhough I have proof that they have ignored my inaccuracies turning them into violation. They have failed to properly investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: PA
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:
XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX Balance : {$6100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$84.00} EQUIFAX : XXXX XXXX Balance : {$5700.00} XXXX XXXX Balance : {$6100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$80.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$84.00} XXXX : XXXX XXXX Balance XXXX {$6100.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$80.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$84.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: SYNCHRONY FINANCIAL
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021 XXXX XXXX XXXX was told by a physician at XXXX that the poor circulation in my legs was something that they'd be able to help me with for XXXX which was only supposed to be a consultation. And after doing an ultrasound with my Neurologist whom confirmed that i would need surgery and if i had elected to go through with surgery I would have to have XXXX immediately afterwards. I was told by the Neurologist that XXXX couldn't fix the blockage that was creating the poor circulation in my legs and XXXX also charged me in total XXXX and they did absolutely nothing for 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 2017-04-12
Company: Rosebud Economic Development Corporation
State: MD
Product: Payday loan
Issue: Can't contact lender

Complaint:
I have 2 means of contacting this lender : " Rosebud Lending BHL d/b/a First Pay Loans '' via : Telephone : ( XXXX ) and Email : XXXX. 
When I contact via phone, the call does 3 rings then drops. When I contact via email, no response. When I look on my bank statement, the company does not have a phone number, but goes by the name " XXXX ''. There is no other means of contact.

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 2022-07-19
Company: Experian Information Solutions Inc.
State: NY
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:
It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. XXXX XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research accounts I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled 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 non-monetary relief
Consumer complaint received 2022-07-19
Company: Security Credit Services, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not owe the collection agency anything I sent proof of this and they ignored it I couldnt find everything but what I can find so far it proves that the information is incorrect the amount that there saying is incorrect the original number was XXXX even though I cant find all of my statements the ones I found was over XXXX there saying I owe them XXXX and I only paid XXXX so basically there making up things and its unfair that they know its incorrect and they still will not fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: AMERICAN EXPRESS COMPANY
State: CA
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 am asking for your help in both clarifying what American Express ( and other credit card companies ) can and can not do, and, I am asking how to initiate changing the regulations if in fact they are legally entitled to do what they say they can and are doing. 

I have been an American Express card holder since XXXX. 

Frequently, I travel internationally teaching so I typically pay a couple of thousand dollars more than my balance in advance, before I leave - to cover charges when Im away. 

This year ( as for many years before ) I called Amex in late XXXX ( around XX/XX/XXXX ) as I was soon going to make a {$33000.00} charge at a hotel as the balance due for our conference and wanted to make sure they would honor the charge. Knowing I was out of the country ( XXXX ) they made no mention that my due date for my current balance of {$2400.00} was in around eight or nine days and if I was late, an interest charge of 29.99 % would be applied to this new large charge of {$33000.00} even though it was not late. 

It seems my Amex was due onXX/XX/XXXX and as I did not pay it, I got an email a couple of days later ( already back in the US but not home ) that I was overdue. I called Amex when I saw they were charging me an outrageous 29.99 % on my overdue balance. I asked them to waive the penalty and the interest. Then, to add insult to injury, they charged that interest rate of roughly 29.99 % on the {$33000.00} hotel charge made onXX/XX/XXXX which was not late it was not even due yet ( they charged {$460.00} interest ). 

So, on a balance where {$2400.00} overdue and a new charge of {$33000.00} which was was only around 13 days old and NOT late - they charged the entire amount ( approximately {$36000.00} ) at 30 %. I paid my balance in full online ( around {$36000.00} ) onXX/XX/XXXX. 

When I called Amex to ask to have this penalty and interest waived as it was wrong and I have been card holder for 50 years, they refused. I wrote to XXXX XXXX XXXX, the CEO and was contacted by a representative of the Executive offices ( XXXX ) and told that was something about the trailing interest on the residual balance which allows them to charge on interest on new charges - if there is a balance overdue. This makes no sense - and if it is legal - it is still wrong. 

I am asking you to clarify if Amex is allowed to do this and if so, what has to happen for that part of the regulatory system to change. This is unconscionable and just wrong. 

Please clarify and advise. 

Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: LA
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:
It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; US SM BUS ADMIN ODA - Inquiry Date : XX/XX/2020 ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX  XXXX, LA XXXX ; XXXX - Inquiry Date : XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX - Inquiry Date : XX/XX/2020

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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This unconfirmed account listed below continues to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and TransUnion Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: PA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX* Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2017-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to fix an error that is reporitng on my credit since I started repairing my credit in XXXX  2017. I have sent numerous letters, faxes, certified letters, phone calls, etc to Transunion to correct this. I recently filed a dispute back in XXXX and they removed one of the inaccurate collections, but failed to remove the other from the same company. Transunion has yet to notify me of who they spoke with to verify that this information is accurate. I have also reached out to the collection agency to rectify this situation, but they refuse to respond to my request. The only thing I need is for Transunion to update and correct my credit report b/c it 's affecting my ability to obtain credit. Thank you! 

The collection reporting is XXXX XXXX XXXX  {$1500.00} Attached you will find the letter that was sent to 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 2017-09-01
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I tried to refinance our mortgage to get a fixed rate. I found out we have a balloon mortgage on a forty- three year note.
I did not even know we had a 43 year note. I also do n't unstated a balloon payment or escrow etc. we never signed anything.
We can not refinance because my credit score. I did not sign any documents approving a 43 year note. I have lived in my house for 27 years. I am so doubt when it comes to escrow etc. my balance has gotten out of hand and we will never pay it off. 

I just want someone to get the papers you are suppose to have with a mortgage company and review them. At one point they were charging a XXXX a day late fees. You can talk to them because they are so rude I desperate need help. Seems like there is no help for people with illegal mortgages. I do n't know who to turn too. I am retired and on XXXX and have a hard time u derstanding all this. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: LA
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:
It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; US SM BUS ADMIN ODA - Inquiry Date : XX/XX/2020 ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX  XXXX, LA XXXX ; XXXX - Inquiry Date : XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX - Inquiry Date : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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 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 2022-07-19
Company: Experian Information Solutions Inc.
State: LA
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:
It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00}

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 non-monetary relief
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: LA
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$9900.00}

Company response to consumer: Closed with explanation