BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-30
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company ( CMRE ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. XXXX XXXX, XXXX, XXXX XXXX. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Texas this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Texas. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Texas Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA. 


Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : house of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
American Express reduced the credit limit on one of my credit card accounts which is XXXX XXXX from {$20000.00} to {$4400.00} for no obvious reason. Please note that I just paid them {$15000.00} no too long ago. In addition, I have never missed a single payment across my three accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I started my auto loan with Santander in XXXX of XXXX. Ive been a victim of predatory lending. I was told my loan was only a 4 year agreement with a {$2000.00} down payment and the internet rate seems to be much more than what I agreed on.Most payments are only going towards the interest and other fees. The loan started at XXXX with a payment of {$300.00} a month ... several of which I payed double and as of XXXX I will still owe them over 8k

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX dated XXXX/XXXX/XXXX, file number XXXX, letter states that I 'D Theft Afidavit from Police Report, and does not meet their standards as a valid Identity Theft Report. XXXX XXXX and XXXX, accept the information as well as resolved the issue, why would XXXX XXXX have a different standard, and not except the same information that has been approved and processed by other CRA 's

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 2021-09-01
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: Investigation took more than 30 days

Complaint:
I have an entry on my credit file which doesn't belong to me with Equifax for a closed account with an actual payment of {$3200.00}, opened on XX/XX/XXXX being reported by Missouri Higher Educ Loan Auth on XX/XX/XXXX ( account number XXXX ). I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or Missouri Higher Educ Loan Auth addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and Missouri Higher Educ Loan Auth has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Experian Information Solutions Inc.
State: NJ
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX****, XXXX XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX** XXXX ( Original Creditor : XXXX XXXX ) XXXX****,  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX** XXXX XXXX****, XXXX XXXX****, XXXX XXXX**** and 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 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX XXXX****, US DEP ED XXXX****, US DEP ED XXXX****, XXXX XXXX XXXX****, XXXX XXXX****, US DEP ED XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX**** , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX**** , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ) XXXX**** , XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX**** XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX****, XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX** XXXX ( Original Creditor : XXXX XXXX XXXX XXXX****, XXXX XXXX****, XXXX   XXXX****, XXXX XXXX**** and 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 2019-10-26
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Approx. One Month Ago I Received Several Letters Stating That I Have To Send Cominety Bank Copies Of My I.D., Proving Who I Am. Meantime All My Accounts With This Bank Are On Hold. I Reply, Did Everything They Requested. On XX/XX/XXXX I Received Several Letters Stating That All My Accounts Have Been Re-Opened. Try ed To Use One Of There Cards And Found Out That They Were Not Re-opened. I Called The Bank Asking What Is Going On?. The Person I Spoke With ( can ; t Remember The Name ) Told Me That The Credit Bureau Has Sent Them A Email Telling Them To Close All My Accounts.I Have Approx. 10 Accounts ( credit Cards ) With Them. All In Good Standing Never Late. For Them To Close That Many Accounts Is Really Going To Lower My Credit Score Significantly, Of No Fault Of My Own. Why Did They Give Me The Credit In The First Place?. I Have Been Working Very Hard On Building My Credit Got It From The Low 500s To 665 In One Year Very Proud Of That. And Know Have Them Come Along And LIE To Me Telling Me The Credit Bureau Is Telling Them To Close My Accounts They Don't Have The Right Or The Power To Do That. Last Time I Spoke To The Bank Was On The XX/XX/2019. They Said They Have Sent Again Letters, I Should Get Them In About 10 Days. I Cant Wait For Them To Report I Have 10 Closed Accounts It Will Kill All I Have Worked So Hard To For. It Just Doesn't Seem Right.I Am Not But Hurt That They Closed The Accounts, But Don't Report All Closed. This Will Damage My Good Standing Regarding My Credit. Please Help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
In XX/XX/XXXX, I paid off my Capital One Credit Card, the account was set on Auto Pay prior to the payoff. There has been no purchases since the payoff. In XX/XX/XXXX, Capital One charged their annual fee to my card and instead of the autopay noticing that a new charge had appeared and making the monthly payment, Capital One removed the autopay at some point and no payment was made. I was accessed a late payment fee of {$25.00} and interest. Another month passed and another late fee of {$38.00} and interest was accessed all unbeknownst to me. The only reason I was made aware was because my credit score dropped significantly ( 88 points ). I can only assume that this is a way for Capital One to exploit their customers instead of protect them. They should have never removed the auto pay. The chat attached shows that they claimed I was never on auto pay yet my statement prior ( also attached ) to the payoff shows that I was. I have paid the membership due in full as of XX/XX/XXXX. I want all late payments and accrued interest to be removed from my account. I want any derogatory marks including the late history to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: FREEDOM FINANCIAL NETWORK
State: NC
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:
Negotiated debt with " Freedom Debt Relief " " XXXX XXXX '', same company via XXXX  XXXX XXXX. Original debt with FDR was XXXX, settled for XXXX. XXXX settled this account for a fee of XXXX. Payments of XXXX per month to XXXX were to be divided between FDR and XXXX untill fees were payed in full to XXXX. At that time all payments of XXXX per month would be forwarded to FDR until the XXXX was payed. In short FDR is knowingly reporting an incorrect balance of almost XXXX to multiple credit bureaus. I did make several reports via XXXX, XXXX XXXX etc. Reports were denied due to FDR certifying that amounts were correct. Even called FDR to rectify XX/XX/XXXX @ XXXX XXXX. They proclaimed that the balance wouldn't change untill the full balance, settled amount was paid in full. They acknowledge that the balance was only XXXX and refused to accurately report this to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There is an item on my personal credit report from a Debt Collector who purchased the debt from XXXX XXXX, which was a debt for a company of which I was a the majority shareholder. I did not personally apply for the card it was a corporate debt. The statements where sent to the company address and for more than 8 years the company made all payments on the account using a corporate bank account. The company XXXX XXXX, In filed Chapter XXXX in the Virginia XXXX XXXX Court. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed XXXX/XXXX/XXXX Case Closed by court XXXX/XXXX/XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX bank XXXX XXXX. 
Open Date XXXX XXXX, XXXX Balance {$21000.00} Collection Debt {$21000.00} The Debt was discharged in bankruptcy court. 
I have filed XXXX disputes which Experian. I have asked the company to send me documentation which proves I am responsible. XXXX XXXX. told me the information had previously been mailed two years ago from XXXX XXXX. I asked XXXX XXXX XXXX. via telephone more than 1 year ago for the documents and they never sent them. I asked again today for the documents and they told me as long as I was disputing the claim they would not speak with me. She told me unless I would remove my dispute they would not discuss the matter. I sent the following email XXXX XXXX and the company failed to respond. 

XXXXXXXXXXXX XXXX XXXX at XXXX XXXX To XXXXXXXXXXXX XXXXXXXXXXXX Message body You are Reporting a Debt on my Credit Report which was associated which a XXXX XXXX which I was a XXXX Declared Bankruptcy. I have repeatedly told you via telephone that this debt is not mine personally. I filed a dispute with Experian more than 30 days ago and you have failed to respond.You have as required by law failed to Validate the Debt and as required by law must remove the debt from my credit reports immediately. 

I made you aware this debt was reported in error more than 1 year ago. I will file a formal complaint with the office of the Virginia XXXX if the debt is not removed in 5 business days. 

Please see the attached Filing Information Below to confirm the Company Filed XXXX XXXX. 


XXXX XXXX XXXX XXXX Virginia XXXX XXXX XXXX XXXX/XXXX/XXXX PORTFOLIO RECOVERY XXXX XXXX Original Creditor XXXX XXXX bank XXXX XXXX. 
Open Date XXXX XXXX, XXXX Balance {$21000.00} Collection Debt {$21000.00} XXXX XXXX XXXX I ca n't prove I do n't owe something because they refuse to provide any documentation proving I am responsible. I paid for a subscription to Experian and have disputed this item and asked for Experian to ask XXXX XXXX for the documents and they told me they can not require a company providing them with information to provide proof.

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 2022-05-05
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Tried to file dispute with XXXX, XXXX and Equifax for incorrect payment history on XXXX account XXXX XXXX, their online system did not allow me to file dispute. I am within my rights pursuant to FCA to file dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Tried to file dispute with XXXX, TransUnion and XXXX for incorrect payment history on XXXX account XXXX XXXX, their online system did not allow me to file dispute. I am within my rights pursuant to FCA to file dispute.

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 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

US DEP ED XXXX {$41000.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$0.00} XXXX XXXX {$820.00} XXXX XXXX-XXXX {$410.00} XXXXXXXX XXXX-XXXX {$1200.00} XXXX XXXX-XXXX {$400.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$150.00} XXXX XXXX   XXXX {$1200.00} XXXX XXXX   XXXX {$400.00} XXXX XXXX   XXXX {$410.00} XXXX XXXX   XXXX {$720.00} XXXX XXXX   XXXX {$740.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$350.00} XXXX   XXXX {$1200.00} XXXX/XXXX XXXX {$450.00} XXXX XXXX {$820.00} XXXX XXXX-XXXX {$720.00} XXXX   XXXX-XXXX {$890.00} XXXX XXXX XXXX {$600.00} XXXX XXXX-XXXX {$450.00} XXXX XXXX {$750.00} XXXX XXXX XXXX {$67.00} XXXX XXXX {$300.00} XXXX XXXX {$300.00} DPT TREASURY XXXX {$56.00}

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 explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: NY
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:
credit bureaus are reporting bankruptcy on my credit report without any proof that it belongs to me. i ask for verification and they refuse to provide any.

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