BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-05-12
Company: Army and Air Force Exchange Service
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
This is in reference to my Military Star Card, Acct # ending XXXX XXXX, this Card is only for individual who can us the Post Exchange and Commissary on Military Bases. I not only concerned for myself but other Military Personnel and their FAMILIES. I was told the rate can go up every month along with the Federal Reserve, that can create financial hardships. This feels like an attack. My balance is very high but I have an excellent payment history. I have already sent an email to the Company, I will attach a copy and the response. They have replied very confusing, so I called was given and explanation from a Customer Service Representative that was not what was written in the email. I have called them 3 times to the best of my knowledge and have been given several different explanations. My INTEREST RATE continues to climb for the last four months, why? 

Here is the Breakdown : XXXX XXXX XXXX payment {$110.00}, XXXX XXXX payment {$120.00}, XXXX XXXX XXXX payment {$170.00} and XXXX 14.99 % payment {$180.00} I am very willing to pay FAIR DEBT, this card has been a big help to the Military Communities, it has provided food for me and many times, and shelter, traveling expenses, I pray that continues, thank you for what you do for Military Families and XXXX Bless. 

Note : I am having problems sending my XXXX but i will call for help tomorrow, your currently closed.

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 2022-12-31
Company: Experian Information Solutions Inc.
State: WA
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: Problem with product or service terms changing

Complaint:
I signed up for Experian boost. Gave my bank and acct number and they raised my score to XXXX from XXXX. 
I pay my bills no problems. 
When I switched banks the other day. Experian dropped my score back to XXXX beacuse I unlinked my bank. 
If a credit like Experian can hike your credit just like that and then lower it on a whim. 
Who gives them the right to mess with my score to play XXXX. 
My score was raised due to me paying my cell phone monthly then I unlink my bank it lowered. This practice is unethical and illegal and proves that they can decide who's credit is good or not.

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 2022-12-29
Company: Maximus Education, LLC dba Aidvantage
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My loan was transferred from my XXXX  to Aidvantage in XXXX, they said account access would occur in XXXX, but they still are unable to find my account. I applied for a refund under CARES with my XXXX  for {$10000.00} before they transferred, but it appears they will not have my account information to reapply for the refund under Aidvantage before the XX/XX/22 deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX accordance with the Fair Credit Reporting act XXXX  account # XXXX, XXXX XXXX  account # 's XXXX, account number XXXX, account # XXXX, account number XXXX, XXXX XXXX account number XXXX, has violated my rights. 

XXXX accordance with Fair Credit Reporting Act, XXXX XXXX account # 's XXXX, XXXX, XXXX, XXXX XXXX account # 's XXXX, XXXX XXXX account XXXX XXXX, XXXX. XXXX account # 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 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 2022-12-29
Company: Experian Information Solutions Inc.
State: MD
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-31
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
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 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 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 2018-07-18
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX continues to report the status of my account incorrectly after months of my asking them to correct. In fact, they have now started reporting the status more incorrectly. Please see the attached letter on XX/XX/XXXX and XX/XX/XXXX to XXXX. 

Thank You!! 

XXXX XXXX XXXX /Users/XXXX/Documents/XXXX : XXXX Pay Off.doc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Bank of America fraudulently opened a Savings account in my name, then charged my credit card for direct deposit / check cash advances which get deducted from my credit card to this fake Savings account that I never opened. 

XXXX. I have been maintaining a XXXX balance on my Bank of America credit card XXXX. On XX/XX/2023 I received a letter of a passed due payment of {$3300.00} XXXX. Since I could not locate the card right away because I have not been using the card I decided to just pay {$300.00} on the card and also get the card canceled and asked that Bank of America me a complete statement for this credit card XXXX. That's when I came to find out that a different account named " XXXX XXXX Banking '' type account has been opened without my knowledge XXXX. Come to find out that even the {$300.00} i just paid is actually showing up on this " XXXX XXXX Banking '' as deposit but not to my credit card XXXX. Bank of America has been routinely depositing money from my credit card to this " XXXX XXXX Banking '' that I never opened XXXX. I have been on the phone with Bank of America for hours and hours and all they did was to opened a fraud case which they just closed and claimed that there was no fraud and insisted that I owe them the said amount

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 2023-01-31
Company: Albert Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
On XX/XX/XXXX I reached out to XXXX through their customer service email. I wanted to know how I could get cash back through their debit card. 
The bank replied the same day and stated that " You can still use a Cash Back even without having your direct deposit to XXXX or getting a Genius subscription. '' As XXXX explicitly stated that I should be able to get cashback regardless of any paid subscription I signed up on the XX/XX/XXXX based on this ground. Had this cashback feature not available to me I would not have enrolled. 

But it turned out that it was false advertising. I wrote to XXXX to tell them on XX/XX/XXXX and XX/XX/XXXX. They did not answer anything relevant out of saying they " apologize for the confusion this has caused [ me ] '' on XX/XX/XXXX by email.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Southwest Credit Systems, L.P.
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is a collection account appearing on my XXXX credit report that the reporting agency ( Southwest Credit Systems ) has acknowledged to me is fraudulent and should not be associated with me. 

An earlier problem that I encountered in my attempt to resolve this issue was previously submitted to CFPB under Case Number XXXX. At that time, I was having problems getting XXXX to provide " a description of the procedure used to determine the accuracy and completeness of the information. '' As a result of that previous case number, I did receive that information. 

I then contacted Southwest Credit Systems, the company that was reporting this collection account to XXXX, to find out why they had this erroneous information on file. A summary of the interactions I had with Southwest can be found in the attached SWC Group Dispute Letter.docx file. Note that it was established in my first call to Southwest that this was a fraudulent charge and that I then spent the next few days fruitlessly trying to complete their process to finish resolving this issue. When it became clear that phone calls were not going to resolve anything with them, I sent the referenced letter. I did receive one callback ( finally ) from Southwest on XXXX XXXX ; I was not home at the time, but returned the call at XXXX XXXX. ( ET ) that day, once again leaving a message with all of my contact numbers and imploring them to please call be back. As of today, XXXX XXXX, I have not had any further contact from them. 

Because Southwest is behaving in a negligent manner by not resolving this issue, this erroneous information continues to appear on my XXXX credit report, as re-confirmed by XXXX as a result of the complaint I filed with CFPB as Case Number XXXX. 

At this point, I feel like I have done everything I can to make this right with both Southwest and XXXX, but somehow it 's just not getting through, and would appreciate any assistance that CFPB could provide to get Southwest to close out this issue and alert XXXX that this should not be on my credit report. The bottom line here is that Southwest knows that this is a fraudulent charge ( as detailed in the SWC Group Dispute Letter ) and despite my making every effort to work with them to get their information corrected ( also detailed in the SWC Group Dispute letter ) they are not getting this taken care of. 

I know that this is a small matter in the grand scheme of things, but I take pride in the fact that I have a good clean credit report with no issues. The fact that there is an issue on it that does not belong to me and is n't getting corrected, despite my having spent far more time on this than I should have to, is extremely annoying given that I am the person who potentially suffers as a result, not whoever it was that made the mistake in the first place.

Company response to consumer: Closed
Consumer complaint received 2021-04-02
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This appears to be a resuraction of Claim # XXXX dated XX/XX/XXXX for XXXX XXXX XXXX It involves {$30.00} claimed by XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX acknowledged debt was not owed and cancelled claim. XXXX XXXX XXXX internet was canc elled XX/XX/XXXX and {$30.00} paid XXXX XXXX XXXX wants full bill paid even though XX/XX/XXXX of {$60.00} total even through services were not used. 
XXXX XXXX XXXX just farmed claim out to another agency XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MS XXXX Phone XXXX On XX/XX/XXXX I spoke by phone with a XXXX at XXXX at XXXX XXXX I asked for copies of ALL paperwork relating to claim She said she had NONE It is their Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am definitely not ok with this decision as longtime customer and the way I was treated from the beginning was absolutely not kind. Also the fact I was told on Wednesday night my account would remain open if I could bring current. Your one representative treated me so unkind as I spoke to 5 total one being in executive branch. I was also told several different things from different reps and believe that reopening my account should be honored. I plan to continue to take steps and definitely voice how I was treated. You do not treat longtime customers. I guess because I am not a wealthy XXXX  vase doesnt value its customers. I am a mom struggling as is after Covid getting back on feet and live paycheck to paycheck so I guess doesnt meet your standards. I deposited something believeing the person who gave me so instead of punishing them you make my life harder. All of my XXXX  accounts which money has tried to pull my sons XXXX  and everything else in our lives is tied to this account and I just believe in common decency and this is not. I understand you have the right to close and what I read. I also XXXX XXXX XXXX XXXX so I definitely know how it works and maybe you need to train your customer service on all ends to be kind and if they something honor it. I definitely made above and beyond every effort since Wednesday when speaking to representative on phone yo bring my account current to remain open as promised. You rejected my deposits Friday XXXX so then I was advised by an incredibly helpful branch manager to hold off and the XXXX. I made to deposits yesterday and one today XXXX. All rejected so this is absurd. I am not trying to be difficult or unkind myself but after how I was treated I definitely plan in filing a more formal complaint. I do not agree and would appreciate your reopening my account. I am doing this alone and its not easy. How about lifting your customers up and having my back and not pushing me down or making things harder especially for customers 10 plus years. I dont deposit bad checks and never would. I trusted the person who gave it to me and now my life is turned upside down and I am punished. All they got hit with was probably a fee. I am sorry honestly if this is how you choose to treat customers I should want to bank with you but after working for you I also know your better than this and hoping you do bette. 
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
As Dated XX/XX/2022, I, XXXX XXXX has come to the understanding that Sequium Asset Solutions , LLC engaged in activity to bring defamation towards my character and extortionate means towards my credit reputation. ( See attachment. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

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 XXXXXXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 non-monetary relief
Consumer complaint received 2022-04-22
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had an account with US Bank XXXX XXXX, which allows me to redeem points into airline travel credit. On XX/XX/XXXX, I redeemed a flight with my daughter for a college visit with my points from XXXX to XXXX on XX/XX/XXXX. I received a travel confirmation ( see attached ). Later in XXXX, I closed my credit card account. 

Five days before the trip, I received a call from the credit card 's travel agency, stating that the trip was overbooked and was not able to be ticketed. They asked me to call them back to rebook. 

When I called them back, they said that they could not do anything until they can verify the credit card, and transferred me over to the credit card department. The credit card department of US Bank then told me that the account was closed, but they would talk with the Travel Rewards department to help me. The credit card department then informed me that the Travel Rewards department could not do anything and the trip would be forfeited, even though they were the ones that called me to inform me that the committed trip could not be ticketed. 

Essentially, they sent me an email confirmation of the ticket booking, but did not actually book the ticket. Then when the ticket could not be booked five days before the travel was to occur, they cancelled my trip and refused to give me credit for the redemption. Each department, within the same company, used the other as the scapegoat. 

The reference number for the call with US Bank is XXXX. 

Now I have lost the value of the two tickets from XXXX to XXXX XXXX XXXX, and will have to purchase two tickets with 3 days notice, which I'm sure will be very expensive. I'd like US Bank to at least refund me the value of these new tickets, or at least the value of the original tickets, which were about {$250.00} each.

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 2022-12-31
Company: Exeter Finance Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XX/XX/2022 I refinanced car loan I had with Exeter through my bank. When I first got vehicle I was told my interest rate was under 20 percent and found out when I made first payment it was over so I refinanced through my bank six months after paying Exeter because my credit rate was good enough to get a loan through my bank for 10 percent less. While at my bank my banker obtained payoff amount for Exeter and we sent a check for that amount. Now Exeter refuses to give my bank the title and they cashed the check and still say I owe them money. Six months later and no title and so now my bank shot my interest rate up 8 percent and XXXX  is reporting my loan is late. I paid off the vehicle!

Company response to consumer: Closed with explanation