davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

I recently submitted a dispute to Experian via certified mail with return receipt # XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. XXXX. Concerning my consumer report being incorrectly frozen or incorrectly merged with that of another consumer by Experian. To date I continue to be prevented and Blocked from retrieving my personal credit reports from Experian via XXXX XXXX XXXX website. As this is not an isolated issue. I have complained to CFPB and had this issue escalated to XXXX XXXX XXXX. which operates XXXXXXXX XXXX XXXX. Experian is one of three co-founders of XXXX. Which makes it legally Experians responsibility to assure that consumer credit reports are being released with the utmost accuracy. If not, this is a direct violation of the FCRA Act. 

I submitted a complaint to XXXX XXXX XXXX via CFPB website XX/XX/XXXX. To make it aware that I was being blocked from retrieving a free copy of my consumer credit reports. Which are my rights according to the FCRA Act and federally mandated. To date XXXX XXXX XXXX has failed to correct the issue. I am still being blocked from accessing my consumer credit reports. Which is a blatant violation of FCRA Act. 
FCRA Act section 15 U.S.C. 1681e ( b ) mandates that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If these procedures are not followed, it is a violation. The FCRA requires that the credit reporting industry implement procedures and systems to promote accurate credit reporting. On numerous occasions the consumer has made Experian aware of this issue and requested it to be corrected to no avail. Despite actual knowledge of my credit file being mixed possibly with that of another consumer and or inaccurate. Experian has failed to correct and continues to illegally block me from my consumer reports. Which means Experian could be guilty of readily selling false information to third parties. As I have no way of retrieving, reviewing for errors, and disputing inaccurate information. 

Experian responded to my certified dispute letter via an email. Experian inaccurately claimed that the dispute letter was not from me directly. Which is incorrect and a usual stall tactic that Experian uses to prevent consumers from adequately challenge errors on their credit reports.
Consumer complaint received 2024-02-23
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (CA)

NetSpend is refusing to correctly designate a dispute issue and using the incorrect dispute reason to deny processing my claim. 

A merchant agreed to cancel a pending swiped credit transaction in the amount of {$230.00} but NetSpend was preventing it. The transaction posted and the merchant attempted a refund NetSpend wouldn't process it. 

I filed a prompt complaint with voicemail and documentary evidence. 

NetSpend alleges the issue is a dispute between me and the merchant but the merchant and I agree we are both on the same page I requested a cancellation of a pending ( later posted ) transaction and the merchant attempted multiple times but NetSpend failed to uphold its obligations.
Consumer complaint received 2024-02-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (IL)

I petitioned for Firstmark Services to stop making harassing calls to me for over a year. I asked that they make notes, to my account, on several occasions. Each time, the representative said they would. The calls continued, followed up by emails, as I wouldnt answer. During this time, they called daily. I finally got fed up and responded to one of the follow up emails to which the representative said Since you have requested to stop calls, I will use this email as proof of a cease and desist. I will submit a request to get your account suppressed to stop the phone calls. 

The calls have stopped. 

So what is the complaint? This company continues to give misinformation. Continues to show lack of training and consistency across staff. After a year of requesting the same thing ( to which I looped into my initial complaint and received the following response : Contact Attempts Based on our commitment to serve you, we think its important to offer assistance when your account becomes past due for payment. In addition to your monthly billing statement, we call both you and your cosigners, [ I am redacting their names ], once your account reaches four days past due. Resolving your past due balance will prevent additional calls, referral to debt collector, and continued delinquency, which may be reflected in the loan data we furnish to the consumer reporting agencies for both you and your cosigners. ) I may not receive a response, as they threatened to stop responding on my second complaint, but I hope that this assists the next person in the steps to take to stop the harassment.
Consumer complaint received 2024-02-23
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (LA)

I asked to obtain a copy of the signed lease. The information was used without my knowledge. I was not given proof of the debt to send to an attorney to dispute or find out what steps I could take to remove the debt. I called mutiple days to ask for the information and no one replied.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Prosper Marketplace, Inc. (ME)

XX/XX/year> after a dispute on charges and payment I closed the account. 
XX/XX/year> I called the company to attempt to get the final balance due on the account, my customer number, and the correct mailing address to send payment via my bank 's bill pay. The first rep I spoke with was not able to tell me my account number or the address. The second rep was not able to tell me the account number either. I was told to send and reference the last XXXX digits on my card. 
XX/XX/year> I initiated a payment using my bank 's bill pay system to send Prosper a check in the amount of {$2000.00}, per my bank check should arrive to Prosper by XX/XX/year>. 
XX/XX/year> I initiated a payment in the amount of {$260.00} which per my bank was set to arrive to Prosper by XX/XX/year>. 
*Both checks were mailed to the address provided in their emails of Prosper XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/year> contacted Prosper to try to verify my payment was received, that they have sent the final statement I was promised, and to confirm my balance is still accurate. Representative kept interrupting me by saying " yeah '' " Uh huh '' " ok ''. Advised I will reach out daily until I can confirm the payment has been received and I already filed a complaint with the BBB as I am sincerely worried they will try to cause delays that will result in more monies owed to them. 

I also have asked multiple times for copies of all my billing statements since access to the app and this information is stopped when the consumer chooses to cancel the card. 

I must encourage others to please, avoid Prosper ... this is a nightmare. I have worked hard to improve my credit and their customer service and practices are not consumer friendly.
Consumer complaint received 2024-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I RECEIVED A DEMAND LETTER ON/ABOUT XX/XX/year>XXXX, TO WHICH I MADE A PAYMENT ; I CHECKED BACK TO VERIFY ANY CHANGES THRU XXXX & XXXX, BUT ALL WAS OK, AS I PLANNED ON MAKING XXXX OR XXXX PAYMENTS BEFORE XXXX I CHECKED SPS WEBSITE TODAY XXXX XX/XX/year>, TO FIND XXXX DOCUMENTS MAILED, ON REQUESTING EARLY INTERVENTION XX/XX/year> FOLLOWED ANOTHER XX/XX/year>, REFERING TO FORCELOUSE. 

THERE WAS BUT XXXX BETWEEN THE LETTERS, AND NOTE I HAVENT ACTUALLY RECEIVED EITHER? 

I CONTACTED SPS TO BE TOLD OF ONLY 2 ALTERNATIVES : REPAY OR REINSTATE AND EACH IS PENDING APPROVAL AND I CAN NOT MAKE ANY PAYMENTS!
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (DE)

Dear Sir/Madam, I am writing to file a formal complaint against Discover Financial Services regarding their refusal to honor my opt-out request dated XX/XX/2024, pursuant to 15 USC 6802. 

On XX/XX/2024, I submitted a written request to Discover Financial Services to opt-out of information sharing practices as allowed under 15 USC 6802. Despite my explicit request and the legal obligation under the aforementioned statute, Discover Financial Services has failed to honor my request. Despite multiple attempts to rectify the situation through direct communication with Discover 's customer service representatives, the issue remains unresolved. 

Discover Financial Services ' failure to honor my opt-out request is not only a violation of my privacy rights but also a breach of federal law. I have made every effort to resolve this matter directly with Discover, but their unwillingness to comply with federal regulations necessitates the intervention of the Consumer Financial Protection Bureau. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate actions to ensure Discover Financial Services complies with federal law and honors my opt-out request in accordance with 15 USC 6802. 

Please find enclosed copies of relevant correspondence and documentation supporting my complaint. 

Thank you for your attention to this matter.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: I.C. System, Inc. (CA)

I.C. System,INC.
XXXX XXXX XXXX XXXX XXXX  MN
XXXX XXXX  
I C SYSTEM INC IS REPORTING TO XXXX,XXXX AND XXXX THAT I HAVE ACCOUNT UNPAID , COLLECTION FOR XXXX   

THIS IS NOT ME AND THEY HAVE NOT TRIED TO CONTACT ME BY MAIL OR PHONE WHICH HAS ME THINKING THEY DO NOT HAVE MY PHONE NUMBER OR ADDRESS 
I STRONGLY FEEL THAT THIS IS BEEN FALSELY REPORTED 

THEY ARE FRAUDULENTLY REPORTING TRYING TO COLLECT THIS AMOUNT
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torres Credit Services, Inc. (CA)

I received a letter on XX/XX/XXXX from Torres Credit Services Inc. stating that I owe {$25.00} to XXXX XXXX XXXX I left a voicemail for Torres Credit yesterday, XX/XX/XXXX, in the afternoon and received a call back this morning, XX/XX/XXXX, around XXXX PST. On the call, I requested an explanation of the {$25.00} I allegedly owe. The man on the phone told me that XXXX billed me a meter reading bill at the end of my time at my last apartment. However, when I call XXXX and tried to enter the account number that Torres Credit listed as my XXXX account number on their letter, XXXX phone support says its not a valid account number. When I log into my real XXXX account, it says I am all caught up on my bill payments ( Status : Finaled in green means I have no outstanding payments with XXXX ). Therefore, I believe Torres Credit Services Inc. is trying to fraudulently collect {$25.00} from me.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/2022 Balance : {$15000.00} and XXXX XXXX XXXX Date Opened : XX/XX/2022 Balance : {$15000.00}
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation (SC)

I am writing to file a formal complaint regarding a collection accountS labeled XXXX/BRIDGECREST XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2023-03-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (FL)

Automated robocalls to my cell phone on XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XXXX all voicemails This company claims they partner with XXXX Hospitals in Florida At the time of calls from XXXX XXXX we had XXXX XXXX XXXX, NOTHING, No outstanding debt with XXXX Hospitals, their XXXX or their ripoff vendors XXXX XXXX has never provided any service to us When I finally had enough I called XXXX XXXX back, I had to provide all my information. This sounded to me like a scam, they wanted full name, XXXX XXXX I'm not giving that over the phone to someone who identifies themselves as only XXXX XXXX XXXX. I asked for last name, employee ids... no, they don't do that. 

I gave them a chance to proceed. I asked that they give me three birth dates of my wife 's date of birth, and if one of them is correct I will identify it and we can proceed They said they don't do that To me they were phishing for information from me and this was a scam They would not tell me what the alleged debt is for, how much etc Looking at all the reviews online, I did a wise thing. I am not alone. 
Looking at their robo call fines I did the right thing They said their calls are recorded. Good for you. Listen to mine that saw right through your scam. 

I have no files to upload as all medical bills have been paid. You should ask XXXX XXXX and XXXX XXXX to show why they are harassing me
Consumer complaint received 2024-02-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc (CA)

I was not informed by the XXXX  provider attempting to collect debt that my insurance had not paid, despite their alleged submission for payment. The amount the debt collector is demanding, {$2600.00}, differs from what the XXXX office employee had previously stated I owed, which was {$960.00}. Despite promising to get back to me, the XXXX  office has failed to do so. The debt collectors have been incessantly calling my wife 's cell phone without leaving a voicemail. After receiving numerous calls, I called back and discovered that I am responsible for the debt. However, I was never informed by the XXXX  provider that I owed anything. Each time I went in for dental work, they informed me of the portion that my insurance covered and what I was required to pay. I always paid my portion before the work was done. It is unethical for them to continue calling me in for XXXX XXXX if I owed them money. They made me believe that my insurance was covering their portion of the bill, but now it turns out that they kept that information from me, resulting in an increased bill.In addition, the debt collectors claimed to have mailed a letter to us, but it was sent to an address that we haven't lived in for almost seven years. Documents sent to me do not match and or are not complete. Also, the XXXX  care provider sharing my info is a violation of HIPAA.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I looked at my credit report today on XX/XX/2024 and noticed that some things were not accurate pertaining to my XXXX XXXX account, including : Original Creditor, Status, Status Updated, Balance Updated, Past Due Amount, and Payment History Check attachments below. 

XXXX XXXX is not reporting complete and accurate information to all XXXX of the credit bureaus.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my concern regarding inaccurate information on my credit report. After a thorough review, I noticed several late payment entries that I believe are incorrect. Over a month ago, I sent correspondence disputing these entries and requesting validation, but unfortunately, I have not received a response or satisfactory resolution.
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (MN)

Received an email from XXXX XXXX saying there was an approval for a credit card on XX/XX/year>. I did not make any inquiries for a new card. I called to let them know fraud. I asked where the mailing address was for it and they did not give me that information which was extremely not helpful.
Consumer complaint received 2024-02-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN HONDA FINANCE CORP (FL)

My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. I did not give consent to these accounts Or permissible purpose. I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 
DELETE THESE ACCOUNTS : Original creditor : XXXX XXXX XXXX XXXX Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX XXXX Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX Account number : XXXX Please remove account. 
XXXX XXXX : XXXX Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Please remove account. 
Original Creditor : XXXX Account Number : XXXX Please Remove account. 
Original Creditor : XXXX XXXX XXXX Account Number : XXXX Please remove account. 


UPDATE FOLLOWING ACCOUNTS TO ZERO DAYS, PAID ON TIME, PAID IN FULL as there was a billing error.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

This account was opened closed & reopen. Thats a violation & have late payment history not correct & last reported last active this account is not correct but this account was closed how they reopened it cause there just re-aging the account proof in pdf. There comment of dispute in progress not on file thats a violation & its been over 30 days. PDF for proof
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Summit A*R, Inc. (FL)

I sent in the XXXX  equipment almost a month ago but they haven't removed it from my account neither will they tell me if they received when i have proof the equipment was sent from XXXX  XXXX i paid for the next day shipping. the company in incredibly hard to get to and even harder to talk to some one. when i call im hung up on or no one knows how to help. this is not fair i do not owe them anything and they still have debt on the credit report which is false information. below i sent the pdf copy lable with the tracking number as proof.