BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX I HAVE NOTIFIED THEM ON NUMEROUS OCCASIONS THAT THESE ARE NOT MY ACCOUNTS I EVEN SENT MY FTC AND A NOTARIZED AFFIDAVIT TO VERIFY THAT MY PROOF OF IDENTITY AND THAT THESE ARE ERRONEOUS CHARGES THEY ARE TRYING TO CONTINUE DEFAMING MY CHARACTER FOR I HAVE BEEN VIOLATED AND THE LAWS AS WELL THEY STATE IN REMARKS ON REPORTING AGENCIES THAT IT MEETS THE FCRA GUIDE LINES BUT WILL NOT PROVIDE VALID INFORMATION AS TO HOW THEY ARE VALIDATING THEIR INFORMATION THEY CANT POSSIBLY HONESTLY INVESTIGATING COMPLETELY BECAUSE THEY WOULD SEE THAT THIS ERRONEOUS INFORMATION WAS NOT ME AND IT NEEDS TO BE REMOVED/DELETED IMMEDIATELY INSTEAD OF JUST CONTINUING TO TAKE THE EASY WAY OUT AND VALIDATE THE DEBT AND MAKE MY LIFE HARD WHILE I'M TRYING TO CLOSE ON A HOME FOR MY FAMILY INVESTIGATE, SEE THAT ITS NOT MY DEBT, AND DELETE IT. PLEASE I DON'T UNDERSTAND YOU ALL PAY PENNIES ON A DOLLAR FOR A DEBT THAT I DON'T HAVE ANY INFORMATION ON THE ORIGINAL CREDITOR EVEN SENT ME A RESPONSE THAT THEY DIDN'T VALIDATE THE DEBT WAS MINE AND THEY HAVE NO INFORMATION ON THE ACCOUNT SO WHY CONTINUE TO DRAG THIS OUT AND MAKE ME TO CONTINUE TO TELL MY KIDS DISAPPOINTING NEWS THAT WE CANT MOVE INTO OUR FOREVER HOME BECAUSE OF XXXX COLLECTORS I'M ON FIXED INCOME AND TOTALLY XXXX  WITH XXXX  CHILDREN JUST TRYING TO MAKE IT BUT I DON'T KNOW WHAT YOU ALL WANT FROM ME YOU ALL MAKE MY HEALTH WORSE WITH ALL THIS STRESS. WE FINALLY GET TO A PLACE WHERE WE CAN GET SOME HELP TO CLOSE ON OUR HOME AND THEN BOOM XXXX  COLLECTION IS STOPPING US. THIS IS CRAZY ESPECIALLY WHEN ITS ERRONEOUS INFORMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Since XX/XX/2022 I have send letters disputing my credit report through XXXX, XXXX and TransUnion with my driver license, social security card and utility bills as attachments. The only letter I received from then is a letter asking me for additional info ( social security card, Driver license, and utility bill ) which has been sent every time I send a new dispute letters, They are playing around, and waist my time. 
I asked them to provide information regarding your method of validation, as well as who and how the account dispute was reported as accurate, then you should delete it. 
They have ignore my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I am disputing this Santander account. 
due to so much inaccurate information. 
Reporting date " last active '' with XXXX XX/XX/2018 but tho other two bureaus are reporting XX/XX/2018 and XX/XX/2018 I am aware that Santander were in trouble with the CFPB for predatory lending I am a victim here and the exact same thing is happening to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a dispute with American Express nearly 9 months ago, regarding an unjust charge of {$8000.00} for a product that was never delivered. According to their contract, I should not be held responsible for charges if products are not received. However, not only did I not receive a refund for the {$8000.00}, but they also allowed the company to tack on an additional {$1000.00}. This situation has not only incurred further interest charges, but I've been tirelessly calling about it for the past 9 months. Each time, I'm put on hold for hours and promised assistance that never materializes. Just two days ago, I called again, and suddenly, " their systems were down. '' I was assured a callback within 24 hours, which, unsurprisingly, never happened. This ordeal feels like a huge scam, and I strongly advise against using this card. I demand a refund of my money!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-12
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage payment is {$2400.00}. It includes a {$160.00} MI payment. The MI amount will never fluctuate. My account is not impounded for taxes or insurance. Every month I pay {$2500.00} which calculates to {$70.00} in principal reduction. Repeatedly,  Cardinal Financial  applies the {$70.00} to my escrow account. I have called them and sent them messages through their message center. They have corrected the problem but they have not back dated my payments. As you know, on a mortgage, interest compounds daily. If my payments are never applied on the date in which they are originally received and my principal reduction funds are not posted when received, over the course of my 30 year mortgage  Cardinal Financial  would have stolen money from me by way of charging/collecting interest they have not earned. A very clear UDAAP violation. Please help me in resolving this problem. Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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:
I need this to be reviewed because it is not mine and it hurts my credit history I want it to be deleted FST XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: CMG MORTGAGE, INC
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX we made a payment to CMA Financial using our bank account information over the phone. We do not know if an error is made on CMA, banking, or on entry of numbers but we were not notified by email or phone. The website reflected successful payment made initially so there was no reason to believe the payment did not go through. We did not receive a letter until XX/XX/XXXX when we received two separate letters, one that showed that payment was on time and another that said that payment had been reversed. The communication on this issue was done very poorly and contributed to a late payment notation on our credit report. We talked to a Level 3 manager who basically did not acknowledge the lack of communication and just kept saying it was our fault and nothing could be done. He was frequently impatient and showed no sympathy. He refused to give us higher level contact by email, insisted it had to be done over the phone. The payment was made after we received notification and we are asking that back credit be give and the credit notation about 30 days late be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: IL
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:
Since XX/XX/2022 I have send letters disputing my credit report through Experian, XXXX and XXXX with my driver license, social security card and utility bills as attachments. The only letter I received from then is a letter asking me for additional info ( social security card, Driver license, and utility bill ) which has been sent every time I send a new dispute letters, They are playing around, and waist my time. 
I asked them to provide information regarding your method of validation, as well as who and how the account dispute was reported as accurate, then you should delete it. 
They have ignore my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I have an account with us auto servicing for my XXXX XXXX XXXX, I bought this car on XX/XX/XXXX and paying XXXX every 2 weeks, It shows I currently owe {$14000.00} on this car, the value of this car is only around {$4500.00}. I'm considered upside with my car payments when I was trying to trade it in for something more up to date. I signed up for gap insurance and extended warranty as well. Just recently I was told that the extended warranty policy doesn't even exist but it's an extra fee on my loan. I want to be released from this high car loan so I can get another car more reliable, my check engine light keeps coming on and the car ran hot on me one day after work. I can't call them to see about getting it repaired since the company is now closed and transferred over to Westlake profolio LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice of d ebt ( File No.  :  XXXX  ; Acco unt No.  :  XXXX  ; Amount : {$1200.00} ) from  Rausch , Sturm , Israel , Emerson & Hornik LLC (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   ,  WI  XXXX  ) in  XXXX   XXXX . On  XXXX   XXXX ,  XXXX , I sent a letter certified, return receipt requested  (   USPS Tracking No.   XXXX  ), disputing the validity of the claim and requested verification of the alleged debt. The letter was received on Rausch on  XXXX   XXXX ,  XXXX . I never received any response.     On  XXXX   XXXX ,  XXXX , Rausch filed a small claims action against me in  XXXX   XXXX , WI  (   XXXX   ). I  appeared in court on  XXXX   XXXX ,  XXXX  and again disputed the validity of the claims and requested verification of the alleged debt. I have appeared in court  three tim es to date and  Rausch  still has not provided the requested verification ( they have provided an account statement for an account I have never had, and for which I have provided proof that it does not match the account I had with the company ). I am now required to appear in court yet a fourth time.     This action was taken in violation of the FDC PA Sec. 809 ( b ) as Rausch was notified in writing within the thirty-day period described in subsection 809 ( a ) that the debt, or any portion thereof, is disputed, and the debt collector failed to obtain or provide  verification of the debt to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
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: Their investigation did not fix an error on your report

Complaint:
I submitted a complaint and Equifax accused me a of being a credit repair company, as stated before I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX  The Trans uinion.com  website or Trans uinion Credit reporting Service, 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 602 A. States a consumer reporting aenc can not fumish an account with out my written Consent. I never open an account with the XXXX XXXX nor did I give them the ok to report on my credit.

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 2023-04-10
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Trident Asset Management, L.L.C.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to contact the debt collector to ask questions the number is not in service, I have tried checking the account online and it says I dont have an account with them. I have never had power through XXXX XXXX. From the research I did online XXXXXXXX XXXX  is known for scams and the recently filed for bankruptcy. I was very shocked to see this collection on my report. I have tried to dispute the charge with XXXX  and XXXX XXXX XXXXm waiting back to hear about that. However, this is definitely a fraudulent abd I want it off my account. 
The account was opened on XX/XX/2022, amount : {$150.00}, Trident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: MA
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:
On XX/XX/XXXX, I contacted Experian about the following incorrect information on my credit report. To this date, they have not responded. 


You are reporting the XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$8700.00} ) account incorrectly. I disagree with the Balance of {$8700.00} as I remember the amount to be lower. I ask you to delete the information regarding the Past Due amount, which shouldn't be reported because this account is closed and charged-off. Since my credit score depends on the changes applied to my accounts, I ask you to mark this account as disputed so that it does not influence my credit score. 
The information on the XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4800.00} ) account is inaccurate and is causing significant harm to my credit reputation. The XXXX of {$4800.00} that you provide for this account doesnt correspond to the lower amount that I remember. I ask your agency to revise the Past Due information because it is inaccurate to present a Past Due amount for a closed account that was charged-off. This account has likely caused my credit score to drop. Given this, I need to reach an agreement with my creditor regarding the incorrect data. I ask your agency to mark this account as disputed because I do not want my credit score to get even lower. 
The XXXXXXXX XXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$710.00} ) account is reported inaccurately. The Balance amount of {$710.00} is inflated and inaccurate. I do not recognize this amount and I believe I owe a lower amount. The Past Due amount stated by your agency for this account proves that you did not report this account accurately. This account was closed and charged-off. Accordingly, the Past Due amount should not be stated. I intend to contact the creditor directly to attempt to correct the distorted information. I ask your agency to mark this account as disputed until we find a solution to this problem. 
The information indicated on the XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$33.00} ) account is imprecise. The Balance of {$33.00} that you state for this account is higher than the amount that I remember. You should remove the amount indicated in the Past Due section because this account has a closed and charged-off status. I plan to have a conversation with the creditor of this account to clarify all of the reported data. Until the appropriate corrections are made, please mark this account as disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!

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 2023-09-09
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have two gift cards. One for {$100.00} and one for {$750.00}. These are American express E gift cards. When I first began using the gift cards I was able to shop anywhere that took American express ( as advertised ). Then the card stopped working, I called customer service and they informed me the card was active and still had over {$750.00} on it and I should keep trying. I couldn't use the card at XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX or even the local store. Even places that once accepted the card no longer work it is showing up as declined. I have called customer service back and I just get transferred until they hang up on me. Its a scam and they robbed me out of hundreds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Hard inquiries that I did not apply for from XXXX different credit card companies 1 ) XXXX XXXX XXXX XXXX XXXX XXXX 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 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 explanation
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Dear equifax, I am writing to dispute the following information that appears on my equifax report from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX an XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proog is demonstrated per U.S. code 15 U.S.C s 1681 et seq.section 604 fair credit reporting act Once you have fullfilled my request, mail me an updated credit reportreflecting these changes. 
XXXX XXXX

Company response to consumer: Closed with explanation