davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (WA)

Beginning in XXXX, I entered inro a lease with GM Financial for a XXXX XXXX XXXX. In XXXX Covid hit the US and I started having difficulty making my payments of approx. {$590.00} monthly. I got GM to work with me to try to resolve the problem, and an individual named XXXX XXXX began wo work with us ( my wife. GM continously threatened me with repossession or charge-off of the vehicle. We are both senior citizens with health issues. The car is all we have for medical, food, pharmacy etc. Our family ( XXXX sons ) is assisting us with the payments, but they too have responsibilities. They wanted {$1100.00} by XX/XX/XXXX or there will be a charge-off. They simply stopped trying to help once they felt no one was " watching '' them. XXXX XXXX states to my wife since she did not contact her during the month of XXXX, there would be a charge off. We didn't call and there would be a charge off? We are both ill and our income has dwindled since XXXX. By no means are we trying to avoid payment. Our previous record with GM Financial can attest to that ( from XXXX until XXXX ). All we want is time to respond with the required payments, and stop threatening me with reposession or charge off. I am sure they will come back with the record of payment or some such thing, but we were very good customers with GM and we are not asking for a hand out, but a hand up. Can you please help? This is an urgent matter ; we want to work this out, and we don't want our car repossessed. We are so close to the end of the contract, and we want this to work. HELP! 
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Consumer complaint received 2022-09-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (GA)

After careful review of my credit reports from XXXX, XXXX XXXX and XXXX, I noticed the following accounts being reported : Medical Data Systems I- XX/XX/XXXX {$650.00} Medical Data Systems XXXX XX/XX/XXXX {$470.00} Medical Data Systems XXXX XX/XX/XXXX {$2400.00} Medical Data Systems XXXX XX/XX/XXXX {$500.00} I have not received any goods and services from this company, nor have I ever done any business with the company. I am unsure how Medical Data Systems illegally obtained any of my personal identifying information. With my limited knowledge of the law, I do know that a contract or some sort of signed agreement between myself and Medical Data Systems would make me legally bound to pay this debt they claim I owe. I am very sure that I have never provided neither a digital nor a wet signature of my personal information to this company on any agreement. 

With that being said, had Medical Data Systems 1 sent a debt validation notice to me as they are legally required to do so, then I would have been able to rightfully dispute these erroneous accounts before they unlawfully caused harm to my consumer reports. Hence, I am requesting that this company provide proof of delivery/receipt that they have sent me a debt validation notice. I have never received any written nor verbal communication as directed via the Fair Credit Reporting Act Law allowing me the proper opportunities to dispute this invalidated debt.
Consumer complaint received 2017-08-11
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. (GA)

I had disbelief when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX*********** I was never late 30 days in the month of XX/XX/XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Consumer complaint received 2017-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (MO)

I reporting  Caine & Weiner  in regards to an account listed as  XXXX   XXXX   XXXX  in the amount of {$170.00}. This debt does not belong to me. I have disputed with the original creditor as well as the  Credit  collector agency. I am requesting that upon receipt of this complaint that the debt be resolved as it does not belong to me. If this information is incorrectly reported to the credit bureaus I will file a compliant with the BBB against the company and creditor.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

For how long am I going to suffer from this account that was reported and I did not authorize of? I've been struggling on getting new loans because regardless of how many applications I try, I get rejected. I have sent complaints previously and all your company did was verify - not doing any action against this inaccurate account.
Consumer complaint received 2022-08-31
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act XXXXXXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2017-08-10
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: Experian Information Solutions Inc. (OH)

this issue concerns all three reporting credit bureaus I firm believer that the credit bureaus share information not only about your credit history and behavior but also about your race. beginning back in XX/XX/XXXX I began to rebuild and repair my credit I have worked very hard at this and I have been able to break XXXX on my credit score. as soon as I get as high as XXXX or XXXX one of the three credit bureaus will place something on my credit report that drives my score back to the XXXX to XXXX range and 9 times out of 10 it is in accurate or being reported incorrectly example one of the three will take inserts from my bankruptcy filed in XX/XX/XXXX put on credit report Experian just happen put XXXX XXXX on as charge off late 90 days + they did correct it after I contacted them. but this hurt my score but this the type of issues that I have to keep dealing with. I feel that this is very unfair treatment and design to keep your credit score from breaking that XXXX score as a small XXXX XXXX this practice greatly inhibits my ability to grow I can not obtain line of credit that I need to move forward. and I have lost out on opportunity 's that come my way I pray to god that can be fixed and this behavior by three reporting agency addressed and fixed.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (WI)

I recently submitted claim # XXXX, which was closed back in XXXX of 2022. The complaint was issued as NC Financial had not responded to my correspndence over a long period of time. As of today, the balance due for my loan, account # XXXX, is still incorrect. The balance has been at {$2900.00} for some time, and I am requesting that the balance due be updated every 30 days until paid in full.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2017-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Collections U.S.A., L.L.C. (FL)

I have asked over and over for verification of debt and all accuracies of it several times and i have yet to receive verifications ... this is reporting on all 3 credit bureaus and i Have askes for it to be removed months ago and its still there despite my multiple requests and complaints ... i have no knowledge of this collection i have written company certified also over month n half ago still no responses
Consumer complaint received 2022-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Department of edXXXX XXXX ACCT # XXXX, XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXXXXXX XXXX XXXX  ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Had a check deposit in my account and its been frozen for over a month now almost 2 and Ive done everything on my end and have even had people call and verify. My funds need to be available now its getting to be XXXX  XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2017-08-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (NY)

I received a {$50.00} prepaid Visa card ( managed through myprepaidcenter.com ) as a gift. I received the card in XX/XX/XXXX and the card 's expiration date was XXXX. I called MyPrePaid 's visa line to request a new card or receive a check, but I was told that they could only issue a new card and it would cost {$15.00}. The card states " funds to not expire, '' suggesting that I should have access to all my funds. Moreover, I discovered that they have been charging me a " Post-Expiration Monthly Account Management Fee '' of {$3.00} without alerting me of this since XXXX. This is highly predatory. As I understand it, according to the CFPB website, I am not allowed to be charged a fee ( Link : https : //www.consumerfinance.govXXXX ). Is what they 're doing illegal? Can you help me?
Consumer complaint received 2022-08-31
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 
# XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (AZ)

XX/XX/2022 deposited by phone a check that i've got from my prior employer, by XX/XX/2022 my bank account got.frozzen and been trying to fix this situation because i don't have any access to my money, been talking two both parties every single day, several times.a day, the bank hold.me always on hold.for a long periods of time and always come with the same story that they can not fix my account because the check they had gave me is counterfeit and they can't do anything untill the check is clear, that i have to.talk.wirh my prior employee. Been contacting my prior employee and they tell me t hat the problem is the bank because in there side shows that the check was allready clarified and the money was taken from there account. Been.callingmy bank every day several times day and don't get nothing resolved, they got me back and forth for.10 days now and no one.wants to do anything to fix it, my bills a pile up, have to be asking people for food and i can't handle this any more, need help please!!!
Consumer complaint received 2022-08-31
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

After requesting my credit report I found information has been furnished on the consumer report that caused discrimination against me, ruined my reputation, and caused harm to me and my family by not being able to get a better car and home due to this information on my consumer report. 

No one asked for my consent to report these accounts to my credit file, which is a clear violation of my rights according to 15 USC 1681b ( 2 ). 

Also the inquiries on my credit file again I didnt consent to them nor did I benefit from these inquiries. 

I have not been treated fair and equitably by the credit reporting agencies and there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
Consumer complaint received 2022-08-31
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: Experian Information Solutions Inc. (MD)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting AcXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-25
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I have XXXX accounts with Midland Funding. I have  requested debt verification more than one time and this company has not provided me that information. It has been more than 80 days and no information has been provided to me from this company. I 'm requesting that since this company has failed to provide me with information, that this account be deleted from my credit report.
Consumer complaint received 2017-08-09
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. (IL)

On several occasions I have disputed inquiries on my credit report that I did not authorize and they do not belong to me. I have a fraud alert on my file due to someone else applying for credit and using my social to obtain credit. Experian has refused to delete or investigate the unauthorized inquiries. Per the FCRA a consumer has the right to dispute inaccurate or unauthorized information reflected on their credit file. The below inquiries are related to fraud and need to be removed. CERTIFIED CREDIT REPORT-, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX The above inquiries need to be removed. I have contacted the companies and they have no record or application that belongs to me so they are not able to assist in removing these inquiries.
Consumer complaint received 2022-08-31
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: Experian Information Solutions Inc. (GA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

In Accordance with the Fair Credit Reporting Act XXXX XXXX credit card Has violated my rights by putting late payment status on my credit report 15 U.S.C 1682 section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A Creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-01
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: EQUIFAX, INC. (TX)

After reviewing my credit report I noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. Equifax assumed this role without permission not only that They did not have my consent. They did not respect my right to privacy which is under 15 USC 1681 a number 4. They did not exercise your grave responsibility, they were unfair, they were partial. They never had a permissible purpose Under 1681 b number 2, I never instructed them to furnish a report and I never consented to the report in the first place.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.