BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
Company: Army and Air Force Exchange Service
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I XXXX from the military in XXXX and moved out of state. I updated all my address information because it was demanded by the military that i do so. Fast forward to XXXX I get a letter from XXXX on behalf of AAFES that i owe {$19000.00}. i have no idea what this debt is from. When i was going through my exit clearing the military i was required to get clearing papers from AAFES and other Base agencies so that i may retire and i did. Now after 8 years i get this letter. They claim that they had an old address and that it was my responsibility to let them know about the address change... but i had no idea who they were so how could i have known. also when AAFES cleared me i thought i was good to go. They have collected my tax returns and now they want to take any money i have. i have contacted them several times to get them to stop but they dont stop and they charge extremely high interest rates. i will never be able to pay that amount. i dont owe that money!!!

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 2023-03-08
Company: Experian Information Solutions Inc.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/AIDV Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 antedates 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 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 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Have written to Transunion, XXXX  and XXXX  3 times in regards to XXXX  XXXX BANK XXXX ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX  nor XXXX. IN regards to XXXX  XXXX BANK, above, this item was responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT was HIS responsibility as he was fully responsible for my debts until final divorce, which was XX/XX/XXXX, ( proof attached ). I was unfairly sent to collection since I was not employed nor am I currently working. This account was sent to collection about spring of XX/XX/XXXXand Divorce was XX/XX/XXXX, which means it was responsibility of ( ex ) husband. ACCOUNT WAS CLOSED XX/XX/XXXX. I would request this be DELETED from my credit report as it is INACCURATE

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 2018-09-09
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XX/XX/18. i filed a dispute with XXXX XXXX XXXX for {$810.00} charge on my account. The bank granted provisional credit but did not restore my credit limit. I sent numerous emails bank and forth trying to get the credit limit restored. The bank representatives have refused to correct credit limit. 

I obtained the credit slip and emailed to XXXX XXXX.   XXXX XXXX  completed dispute onXX/XX/18. 

XX/XX/18- I talked to XXXX an account manager. He told me  dispute was closed on XX/XX/18 and credit limit should systematical update on XX/XX/18. Payments or credits may take up to seven business days to process even though payments and credits are posted online. He refused to correct credit limit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage lender is grossly overcharging me for my property taxes and escrow. 

I have contacted them numerous times, and provided property tax bills from the city I live in that indicate they are overcharging and they have responded exclusively with form letters. Each letter also states they intend to overpay again at the next quarter. 

They have issued one refund for funds but did not adjust my actual escrow payment despite the account having well over a years worth of property taxes in it, even though I have only had the mortgage for 2 years. 

I have been unable to speak to anyone and have gotten nothing but form letters back. 

Most recently they overpaid by {$730.00} and when confronted sent the same form letter they always send and stated they intend to further overpay by XXXX in XXXX. 

The city will not issue refunds without proof of payment so this money essentially disappears unless they request a refund, and they do not seem to even understand there is a problem.

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 2020-04-06
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: Account status incorrect

Complaint:
XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: AES/PHEAA
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am seeking student loan forgiveness through the Public Service Loan Forgiveness ( PSLF ) federal loan program. I began working in public service in XX/XX/XXXX. I have made the payment every month since that date. I have had multiple issues with XXXX XXXX ( now XXXX ) and FedLoan regarding the calculation of my payments toward loan forgiveness. According to the law, I should be eligible for loan forgiveness after 120 on time payments which would be in XX/XX/XXXX. FedLoan has said I will not be eligible for forgiveness until XX/XX/XXXX. FedLoan contests the payments I have made stating that XXXX XXXX records indicate that I did not have a bill that month, or that the payment was XXXX XXXX off! I use autopay so this can not be the case! I've never manually entered the payment amount. Additionally, I have 2 loans and over 10 of the contested payments were included for one loan but not for the other. I have called XXXX XXXX and XXXX multiple times to try to obtain the records of my loan payments to no avail. I have contacted FedLoan multiple times. FedLoan responds that they will request a " manual recount '' of the payments I have made, but does not provide any documentation that this is being done. I have contested the payment amounts with FedLoan since XXXX. 
I am a first generation college student. I had to finance my education with student loans. I went into public service after graduation because of the PSLF program. I make my payments on time and want every payment to count. Any assistance you can provide in this matter would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: OPTUM BANK, INC.
State: CT
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I had an HSA ( Health Spending Account ) in XXXX. As XXXX approached the end, I contacted Optum Bank to ask when my access and ability to charge medical costs to the card. I was told that I would have no access to the account since I had to use all of the funds I contributed to it no later than XX/XX/XXXX In the first quarter of XXXX, it turned out that the account was still active and could be used to pay for medical costs. 

Last month, I realized that the full turnaround from " the account is closed '' was worse than I had thought when I realized that Optum bank was charging monthly fees on the card at {$2.00} a month. 
To reiterate, the bank went from your account is closed and you can not use it to the bank themselves using it to get fees. I find this to be harmful to the consumer especially when it is a card intended to be used for medical expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Maury Cobb, Attorney at Law, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
prior to XX/XX/2018 i had recieved several robo calls from XXXX XXXX then from maury cobb law office. finally after 5/6 times of telling maury cobb not to call me the calls stopped. i did not give them permission to call my cell phone. i did not give permission for XXXX XXXX nor XXXX XXXX to give my personal information to personnel i do not know. 

XXXX did not tell me they were putting the alleged debt on my credit report. i disputed the debt and it was not removed. 

Prior to XX/XX/2018, representatives from maury cobb law office has threathen to sue, garnish wages and bank account. 

prior to XX/XX/2018 i tried to make payment to maury cobb but they wanted to charge me a XXXX fee for using my credit card. i called yesterday and made a payment under the condition the collection will be removed from my credit report. the maury cobb representative stated the collection will be removed.. he said i had to call XXXX XXXX XXXX XXXX said they will report to the credit bureas but collection will remain. maury cobb said collection will be taken off. i told XXXX i only made payment as a condition of removal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I filed a complaint on XX/XX/XXXX. 
OMB # XXXX Equifax responded and stated that they investigated and XXXX XXXX XXXX  confirmed the DOFD of XX/XX/XXXX is correct. 

Now my XXXX  XXXX account on Equifax has a Date of Last Activity as : XX/XX/XXXX I spoke with a supervisor about this and she confirmed that with Equifax it's a DOLA/DOFD. They are the same thing. 

I told her XXXX  XXXX reported a Date of Last Payment as XXXX XXXX to XXXX  and XXXX. 
She finally admitted that the Date of Last Payment on Equifax is alsoXX/XX/2013 with a DOFD of XX/XX/XXXX. 
I told her federal law states the XXXX is 30 days after last payment, not 60 days. 
I asked why Equifax has XX/XX/XXXX as DOFD and she said, " I can't tell you that. '' I informed her that Equifax was on record with the Consumer Finance Protection Bureau stating the DOFD is XX/XX/XXXX. 
She said there was nothing she could do. 
Someone is trying to keep this account on my credit report longer. This account was illegally re-aged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX and i am a laid off roofer of 26 years and due to the weather in the NE i have had no work. I am about to be homeless and my bills are not paid. I need immediate relief. US bank has my unemployment monies from the last 2 months and my family and i need thus money to survive. On or around XX/XX/XXXX I had changed my home address and my debit card from US Bank was frozen. i have made several attempts including reaching out to my PA state representative XXXX XXXX since the deposits are from PA unemployment and have gotten nowhere. The fact that there are no US bank offices in PA, NJ, NY, Delaware the surrounding states made it impossible to actual go there and straighten this out. On XX/XX/XXXX I finally got through to someone and sent them a picture of my ID and mug shot as requested. I was told it would take 2 days. I am besides myself I have not be able to access my money to support my family nor buy food. After 4 hours today on XXXX i was told that the information i had sent them was blurred and not acceptable. They did not try to reach out to tell me that the information was not legible. i received that information from 2 very non caring individuals one of which was a supervisor named XXXX ( she would not give me her last name ). She had no compassion for my issue and the only relief she offered was to resend the information and wait,. You will notice that US bank 's website does not offer any phone number to speak to anyone therefore the only number i had was the number on the card in which i have spent countless hours waiting to speak to someone only to get disconnected The people at US bank should be held accountable for their actions as they simply do not care if my family eats and she refused to escalate the matter. I am tired of the run around i need my unemployment monies now. Please help

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN XXXX XXXX anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletions listed 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 2023-07-10
Company: Experian Information Solutions Inc.
State: RI
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:
i contacted this agency in XXXX the information is inaccurate. i have never given anyone my permission or consent to report my private information. as a consumer i demand all information on my report be eliminated as the law protects me from this fraudulent reporting. and you know what i am referring to.my credit has dropped. due to several inaccurate reporting and never have you verified by law my credit or the third parties reporting, stop and desist. take all information off my credit inquiries i do not recognized how is it possible i reached out to you and told you what was going on and you have done nothing you are in violation of several laws as a consumer you are violating my rights i do not want anything reported as you can not and do report accurately. 
stop clear up this file

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 2023-03-08
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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