davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (AL)

Been paying this company  2 payments every 2  weeks. They was only surposed to get 1 payment a month but taking out 2 every 2 w eeks. On   XX/XX/XXXX he y took out {$450.00} and they {$390.00} on the same da y. CNUSA has  put a lot of inturst on it at 29.999 %. I ca n't pay my regarler bills because of this.
Consumer complaint received 2022-11-02
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. (IA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am currently looking to purchase a car and my credit report is reporting a numerous amount of inaccuracies. Hard inquires as well as an auto loan that has been paid in full. I am very concerned consumer and want only true information about me reporting. Please removed this inaccurate information as you are in violation. 15 U.S.C 1681
Consumer complaint received 2023-04-14
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-18
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. (IA)

UNAUTHORIZED INQUIRIES : 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 {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} XXXXXXXX XXXX U S DEPT OF EDXXXX XXXX XXXXXXXX XXXX {$1900.00} XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX {$29000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX  Also please immediately remove the unknown names and unknown addresses that I listed on my FTC identity theft report that I have attached... Thank you
Consumer complaint received 2018-03-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Item is suppose to be removed from my credit report if I paid in full by a certain date. Which I paid in full before the date!
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-07-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (VA)

I noticed a collection on my credit report that I was not aware of and don't believe is mine as i have no outstanding debts with anyone including the company the collection company is attempting to collect the debt for, Charter Communications. 

I attempted to contact the Collection Company, Amsher Collections and asked them to validate the debt and asking them to prove the debt belongs to me. I asked to verify the personal information on the account, asked them to send me a contract, statements or documentation from Charter Communications with my name or address on it that shows what the charges are for. 

I sent letters to Amsher on XX/XX/2023 and got no response so, I sent another letter XX/XX/2023 and again got no response so, I sent a third letter on XX/XX/2023 asking them why they have not responded and for the third time got no response. 

I've also attempted to dispute the collection account with the three credit reporting agencies beginning on XX/XX/2023 and agin on XX/XX/2023 and currently with disputes that were sent XX/XX/2023. The problem is the credit reporting agencies will not respond to my disputes either! 

I read on the CFPB website that the collection company and the credit reporting agencies are supposed to respond within 30 days of a dispute but I have yet to get a response from any of them. 

After doing some research I read that the credit reporting agencies are no longer required to respond to consumers about disputes on their credit reports, is this true? How can these private companies not be held accountable for misinformation they are reporting? 

This misinformation is hurting my credit and my financial stability and the fact that they don't comply with Federal Laws that are supposed to protect consumers is frustrating.
Consumer complaint received 2023-08-14
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. (MD)

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.
Consumer complaint received 2021-03-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NJ)

An incorrect amount was submitted by XXXX XXXX to a collection agency " TRANSWORLD SYSTEM '' when I called the collection agency they did not have an right answer for me so I got connected with XXXX  via my insurance rep. But XXXX also couldn't provide me an explanation why my balance were higher than insurance determined amount. See Attached letter that was faxed to XXXX along with the EOB from insurance which shows the actual amount that I should be responsible. I had lab work done on XX/XX/2020 after insurance payment/determination I was responsible for {$4.00} but XXXX sent incorrect amount of {$170.00} to the collection agency. Collection agency never sent me a notice/letter out to pay for or settle it. I faxed all the papers to XXXX on XXXX XXXX but did not receive any reply yet.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

As a previous claim was made, and closed by the Bank of America, I specifically asked them to reopen my claim. There is a fraudulent tool that calls people using the id of any institution, and my call came from BOA. I never had a XXXX account and the man named XXXX XXXX BOA explained someone was trying to withdraw {$890.00}. Of course, we believed him, and using the same verification of id by asking us to repeat the XXXX digit code sent to our cell phone, we repeated it to him. He then proceeded to open a XXXX account, and transfer the money out of our account. Not until the next day when we went to our local bank did we find out BOA had not called us. This is completely unacceptable to us. We are honest long time BOA customers, and feel they should have some type of protection for us. Please research this again since we could sure use the {$890.00}
Consumer complaint received 2023-08-14
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. (MD)

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.
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (FL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-08-14
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)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-03-05
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: American Collections Enterprise, Inc. (MD)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX Collection Agency Name : AMERICAN COLLECTIONS E Collection Agency Address : XXXX XXXX XXXX XXXX XXXX VA XXXX Collection Agency Phone number ( XXXX ) XXXX Date : XX/XX/XXXX Re : Acct # XXXX To Whom It May Concern : This letter is being sent to you in response to your recent letter. 
This is not a refusal to pay, but a notice that your claim is disputed. Under the Fait Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX XXXX XXXX 
Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPPA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 
I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/ or complaints with the OCR on your HIPPA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and the State Bar associations for violations of the FDCPA, FCRA XXXX and Federal and State statutes on illegal collection activities on any account that may be time barred as well as in violation of Maryland medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages. 
Sincerely XXXX XXXX
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (CA)

I am writing to lodge a formal complaint against General Motors Financial in relation to a matter concerning my account # XXXX, initiated approximately between XXXX of XXXX and present day of XXXX. Specifically, I requested a Debt Validation of said account and subsequently received a communication containing a list of transactions associated with the account. Regrettably, despite statutory mandates outlined within the Fair Debt Collection Practices Act ( 15 USC 1601 - 1693 ), I did not receive the complete array of disclosures, service agreements, and signed instruments pertinent to the purported debt, nor was a signed copy of the promissory note provided. 

I have diligently pursued resolution of this matter through direct communication with representatives of XXXX XXXX XXXX, including engagements with the company that the vehicle was purchased from ( XXXX XXXX ). However, notwithstanding these efforts, I have been informed that the promissory note remains unattainable. It is imperative to note that pursuant to pertinent legal statutes, particularly the Bill of Exchange Act and Negotiable Instrument Act, the conversion of the promissory note into a negotiable instrument would signify satisfaction of the alleged obligation. 

Furthermore, a review of my credit report reveals that the purported debt has been charged off. In light of this, I am compelled to inquire as to the absence of any documentation, specifically a copy of the 1099-C form, indicating the discharge of indebtedness filed with the Internal Revenue Service ( IRS ) and the said vehicle was repossessed at the beginning of XXXX year of XXXX without responding to the Debt Validation letter sent around XXXX of XXXX. 

The actions, or lack thereof, undertaken by General Motors Financial have resulted in considerable uncertainty and distress. It is my firm belief that such conduct may contravene provisions established within various consumer protection statutes, warranting regulatory scrutiny and intervention. 

In light of the foregoing, I respectfully request that the Consumer Financial Protection Bureau undertake a thorough investigation into the practices of General Motors Financial with regard to this matter. Additionally, I seek redress commensurate with any identified breaches of consumer protection statutes, as well as clarification and resolution of the outstanding issues surrounding my account.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I was issued a refund by XXXX XXXX on XX/XX/2022, for {$280.00}. This refund was issued to a closed business checking account. The refund was processed successfully. I contacted Bank of America so they could issue the refund via Check. They stated they hadn't gotten the funds even though I confirmed the refund was successfully processed by the merchant.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX I activated my NEW BOF A EDD CARD and I have had to call the card 8 times to unlock it in 4 days. On XX/XX/XXXX I was denied authorization to access koney or the card due to faulty fraud system. Am being told Im not authenticating myself however I was just successfully authenticated not even XXXX hours ago.
Consumer complaint received 2023-07-09
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)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

On XXXX, I checked my credit report to find several discrepancies, inaccurate information, and unverified accounts on all 3 of my credit bureau reports. I sent in dispute letters to each bureau, that specified which accounts were inaccurate, and asked for them to VERIFY or DELETE each account. By law they have 30 days to respond or verify and only XXXX has responded. I am asking that you have Equifax and also XXXX DELETE all of my disputed accounts, and also fine these companies for reporting false credit information. XXXX did respond but they have not actually verified any of the accounts with signatures or original documents, therefor the disputed accounts should be removed from their credit report as well. I will attach each complaint letter I sent to each bureau with dates, as well as my receipt from the post office that shows proof that each bureau has had a copy of their respective letters for over 30 days. 

Thank You
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-14
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. (NY)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.