davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/19 I complained that transunion sent a credit report with name but someone elses info, and this person had filed banruptcy. I notified them and they explained that my file was not merged- but then A freeze, fraud alert and extended fraud alert placed without my consent. The freeze they placed was a military freeze- which as a XXXX yr old woman who has not ever been in the military is bizarre- I feel this is a retaliation due to me exposing them of their carelessness of my report. They refused to remove, I have sent in my drivers license and social security card and my ID is the real ID with star. as of this complaint it still is there, And I dont have a pin to remove, they wont remove and I am furious that my credit file is a mess, and I cant even go online because its locked.
Consumer complaint received 2019-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

Experian is currently in violation for reporting multiple inaccuarte inquiries on my consumer credit report. Please see attachments for details. 

XXXX bank card- as it appears on my Experian credit report. XXXX is currently being reporting without permissible cause as required by law. As a result, Experian is in violation and must be immediately removed. 

XXXX XXXX XXXX-as it appears on my Experian credit report. XXXX  XXXX XXXX is currently being reported without permissible cause as required by law. As a result, Experian is in violation and must be deleted effective immediately. 

XXXX- As it appears on my Experian credit report. XXXX- is currently being reported without permissible cause as required by law. As a result, Experian is in violation and must be removed effective immediately. 

XXXX as it appears on my Experian credit report. XXXX is currently being reported without permissible cause as required by law. As a result, Experian is in violation and must be removed effective immediately.
Consumer complaint received 2019-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (NJ)

A XXXX XXXX debt for {$110.00} was discharged under my bankruptcy in XX/XX/2016. Its been re aged and put back on my Experian Credit report as a charge off but in collections.
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NJ)

Experian Credit Monitoring ( formerly XXXX XXXX XXXX.XXXX ) I have been trying to cancel my account for over a year. I can not get through to them and they keep charging my credit card XXXX per month. They are supposed to be a credit monitoring company that helps people. No the XXXX XXXX
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Sir I am unable to remove court information about complaints/court records that are not mine and are over 10-yrs old from my credit report. I was never convicted for these offense and they are harming me from getting security clearances. I need some hewlp to remove these court records from my background. I am also not the one that these offeses were charged. I live in Texas not in Illinois and not in Nevada. 

# XXXX XXXX XXXX XX/XX/1996 # XXXX I requested updates to my credit file and filed a dispute but have not been able to get these records removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX, XXXX XXXX : @ XXXX
Consumer complaint received 2019-12-08
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (FL)

COMENITYCB/XXXX  is a chargeoff account that as already been sold but is still reporting late payments along with XXXX XXXX. so that's a double reporting on one account which is a violation and after disputing this inaccurate information both comenity, and XXXX  says the account is verified. how can an account be verified but still reporting inaccurate information.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I received a letter from the Department of Education on XX/XX/2022 stating that the department is discharging my loans without requiring me to file an application because of the persuasive and widespread nature of school 's behavior and under borrower dese regulations ( 34 C.F.R. 685.206 and/or 685.222 ). XXXX XXXX has been inaccurately reporting student loans balances to the 3 credit bureaus ' ( Experian, XXXX XXXX, and XXXX XXXX frequently. I contacted XXXX XXXX by email and phone call on XX/XX/2022, XX/XX/2022 and XX/XX/2022. The student loans with XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX student loans were discharged based on a letter from the U.S. Department of Education XXXX XX/XX/2022 stating that the Department is discharging my loans without requiring I file an application because of the per. 685.206 and / or 685.222 ). I contacted XXXX XXXX verbally and they explained that it is discharged and they will remove it from the XXXX credit agencies. I sent copies of this letter to the email address for Nel net ( XXXX ). I received no responses by email, but it was conformed during phone call with XXXX XXXX that they received my letter each time. I have tried to dispute and XXXX XXXX still keeps reporting inaccurate balances effecting my credit information to all 3 credit agencies. I will attach letter with emails. I am requesting that both item on my 3 credit reports be reported according to federal laws in regards to accurate information. I owe no balance with XXXX XXXX and I have no negative history. I am requesting that this be removed from Experian, XXXX, and XXXX.
Consumer complaint received 2019-12-08
Product: Credit reporting, credit repair services, 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. (FL)

Message sent Experian : On Thursday XX/XX/XXXX, I tried to get a copy of my free credit report due to financial dispute I am have with a business. After going through the log-in process, your computer would kick me out of the system. I called several times and was unable to contact anyone to resolve this problem. Instead all I got was menu options which none of them providing a option to talk to a representative. I tried again today XX/XX/XXXX and it would say my username and password were incorrect. So I requested my username, and it said it was forwarded to an e-mail address which I do not own. I hope your computer system has not been compromised and my financial information has been given to an authorized individual. I also trying calling both Thursday and today. Unable to talk to representative. For being an organization which monitoring people 's credit information, you do a lousy job. I really wonder if a real person works there. I need to get this problem fix, call me a ( XXXX ) XXXX. XXXX XXXX
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MA)

There are XXXX disputes open Where this company states theyll give a temporary credit while theyre researching and when it comes right down to it they dont credit you or they do and take it back and say they are still researching it. 

On the first amount of XXXX the item was returned to the original sender and they have the tracking that proves it. Yet they still are supposedly giving the company time to respond? When I have an issue with XXXX XXXX and they SEE that something was delivered back to the original sender they give a permanent credit XXXX they know I just showed them it was delivered and was returned to the sender. 

The one with XXXX is ridiculous. They know they do a XXXX day trial I ended the XXXX day trial the day I got the app so if XXXX looks into my XXXX ID which they would know they would see it was cancelled the same day the trial started - Ill attach what that app shows ( that Amount was XXXX for a year The last dispute I didnt get the dash cam in the box I got a second suction cup no dash cam and was told it was human error and yet have I seen a dash cam yet discover hasnt done anything on these. Ill just start using my other cards as I can see this particular company you can show them all the proof in the world and they dont care.
Consumer complaint received 2019-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequoia Financial Services (CA)

Sequoia Financial Svs. continues to report inaccurate information to XXXX  and XXXX. They CLAIM that all information is properly reported to credit bureaus in compliance with the FCRA and FDCPA and that accounts were validated. I continue to challenge the accuracy, compliance and reportability of alleged medical debts. The truth of the matter is that information sent by Sequioa DO NOT validate 2 collection medical accounts that they continue to report to credit bureaus. Billing statements they sent that supposedly document 2 collection accounts on alleged XXXX medical debts ( dated XX/XX/XXXX and XX/XX/XXXX ) refer to XXXX medical services paid for by my medical insurance. ONE documentation that Sequioa sent dated XX/XX/XXXX bearing an e-digital signature that they claim is my signature do not validate alleged medicate debt dated XX/XX/XXXX because such digital signature is not mine. I do not consent to e-digital or automated verification since in this information age, it is easy to create a false billing statement and documentation. The actual documentation, a copy of which goes to the patient, DID NOT BEAR my signature. I have requested copies of evidence bearing my signature. They have failed to furnish. Failed to provide any documentation for alleged medical debt of XX/XX/XXXX bearing my signature and failed to provide proof that they own the debt. In fact, medical account indicates a zero balance. Thus, such information should not be reported to credit bureaus, and therefore Sequioa is in violation of the FCRA, FDCPA, and the Rosenthal FDCPA Civil Code 1788.13.f. Also, according to the RFDCPA Civil Code 1788.13.e,  Sequioa is in violation of this law by adding interest charges to the alleged debts which is an unfair and deceptive practice. In addition, Sequioa sent me a bill to pay alleged debts although statute of limitations for ANY CONSUMER LIABILITY has long passed. Because of the age of alleged debts ( 6 years, 4 months ), by law, in 8 months, alleged debts can no longer be reported to credit bureaus, and credit bureaus can not report in credit file. 

I wrote Sequioa Financial Svcs a second time requesting documentation bearing my actual signature and to RECORD the dispute with credit bureaus while they have the 30-day grace period to respond per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). I formally request that this inaccurate information be  immediately deleted from my account credit file and all credit bureaus. I have kept record of their actions, including their Method of Verification. They have failed to comply with the law and as such Failure to respond satisfactorily within 30 days of receipt of the letters sent may result in a small claims action against Sequoia Financial Svcs, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Violations of the FCRA and RFDCPA.
Consumer complaint received 2020-02-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management repeatedly called me before XXXX. Call me on Sundays and on holidays. Received 3 calls on XX/XX/XXXX. XXXX, XXXX and XXXX. Called me on Sunday XX/XX/XXXX at XXXX which violates FDCPA rules. Called me on Monday XX/XX/XXXX at XXXX which was a Federal holiday and violates FDCPA rules. I have told them to stop calling and they hang up on me. They call 1-3 times a day, everyday.
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (AP)

I am currently XXXX XXXX military and have been since XXXX. I contacted American Express about my account back in XXXX after completing boot camp to inquire/apply for SCRA Relief benefits to my account which was jointly owned between my wife and I since 2018. My wife is the primary account holder and I am the secondary. The representative I had spoken to said that under the SCRA my annual membership fee would be waived and that American Express goes above and beyond for the SCRA 's cap of 6 % interest and charges 0 % interest while the member is XXXX XXXX and up to 180 days past the service member 's discharge date. 

In XXXX, I decided to look through my American Express statements after returning home from XXXX and discovered that I was still being charged the original interest rate which was above the cap of 6 % that SCRA is supposed to provide. I called into AMEX on XXXX and the representative I talked to confirmed my account had SCRA benefits applied and opened a case to find out why the interest rate was still being charged and to request all interest charges to be credited back to my account that were incorrectly billed. We were told the investigation would take up to 60 days. We followed up at the end of XXXX to find out that there had not been any activity on our case at all. The representative stated they would escalate the case. My wife and I followed up again several times in XXXX to finally be told that our case had been denied. I called back after coming home from a detachment in XXXX and they stated that I was not enrolled in SCRA and they would have to open a new case to re-apply SCRA Relief onto my account and we would receive a follow-up call in 14 business days. My wife called in tonight XXXX ( we live in XXXX ), to find out the case was closed ( we have never received any sort of follow-up or communication from AMEX, we always have to call in and incur international calling charges because we are stationed in XXXX ) XXXX The representative stated that the case was closed because they could not find and record of me in the government system they used to verify service members. I called back after my wife got off the phone to see if they ran my SSN or my wife 's and the representative stated that he thought my wife 's, but couldn't confirm. I asked if I could send in a copy of my XXXX XXXX orders, and the representative stated that I could not. He re-opened what would now be the 5th or 6th case on my account. We have been working on this issue for 5 months now without any type of resolution, and we are still incurring interest charges. If needed, I can submit a copy of my orders with this complaint.
Consumer complaint received 2019-12-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX  did finally contact me, but if of course they were not accepting responsibility They stated that the credit bureau is the culprit. I m sure if this is correct or not I am sick of the entire ordeal. I received a copy of my credit report and the same reporting!
Consumer complaint received 2022-01-04
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SIMM Associates, Inc. (VA)

This submission is NOT from a third party. I, XXXX XXXX XXXX XXXX the natural person, consumer, & agent is currently being suppressed by not being able to exercise my rights as a federally protected consumer. On XXXX I sent out a Debt Validation letter along with a cease & desist with requested information via certified mail to SIMM ASSOCIATES INC. for debt validation purposes. Im not asking for verification of an alleged debt, Im requesting information to validate the alleged debt. I gave them 30 days upon receipt to investigate information & send requested information. They received my request on XXXX. They are now 30+ Days late. They have repeatedly harassed me with communication in the past without proper validation. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Can I get some assistance with this issue? Thanks. I will attach attachments
Consumer complaint received 2019-12-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

Moved out of an apartment XX/XX/2019. Charged a cleaning fee of {$170.00} by the complex. Provided written proof that the apartment was professionally cleaned. Never received a written notice from the collection agency. Received a copy of what is claimed to be owed from the agency after filing a complaint with the credit bureaus XX/XX/2019. The claim was placed on my credit report XX/XX/2019 without any written notice. Wrote a certified letter with the proof that the money owed is invalid XX/XX/2019. Have received no response after 30 days and no action has been done to correct the situation. 

Company : Genesis XXXX XXXX XXXX XXXX, WA XXXX XXXX
Consumer complaint received 2019-12-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (CA)

I am writing on behalf of my father who does not speak English. He was tricked into filling his information on this site that made it look like a loan application that he expected to follow the natural approval process followed by disclosure of rates etc. There was no declaration on interest rate or anything, not even a declaration that money will automatically be deposited. After he hit apply, he did not get any email of agreement or approval. He later found out more than a month after that this site withdrew {$380.00} from his account twice within a month. He was not aware that they deposited {$600.00} without any notification and started withdrawing money as payments. The APR rate they are charging him is 863.95 % which was never ever disclosed anywhere in the application process. This site is clearly a scam that is deceiving people and they are now sending collection notices as we stopped bank payments and asked the company to clear this loan but they are not co-operating.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc. (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I demand that you send me copies of the documents you used to verify the following accounts listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
Consumer complaint received 2019-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BBVA FINANCIAL CORPORATION (VA)

After several disputes with BBVA Compass and bureaus, finally it was clear there was a late paytment that became a charge off. I paid this late paytment as soon I found out and tried to clarify if there was mine. BBVA provided the requested information, and there was a late paytment that I found out too late, but it was paid in full.

For some reason, XXXX and XXXX are showing a 'remark' or 'comment' where you can read settle less that full balance or paid for less than full balance.

In previous disputes with XXXX and XXXX it is clear it was paid in full, and BBVA Compass confirmed time ago by phone, they sent this comment by error, and they sent againg the information assuring it was paid in full after charge off.
Consumer complaint received 2019-07-31
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc. (FL)

Everyday for the past 2 weeks I receive a call from a fake phone number with the same area code as me and they are looking for my daughter in law. Everyday I explain she can not be reached at this number and they continue to call everyday. They always say, ok, we will note it in the file clearly there is no noting going on. I am at work when they call and can not always take a msg. The number they gave me to give to my daughter in law is XXXX Credit Corp. Solutions