davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (KS)

On XX/XX/2018 I applied for a load with cashnet in the amount of XXXX My first payment was XXXX which was made on XX/XX/2018. I jus found out today that the payemnt went only to fees and intrest. Nor they have notifed me that my next payment is going to be XXXX whicj is XXXX dollars above my last payment. Nowhere in their aggeement was there anything that indicated that this was not a standard loan with set payments over a certain amount of time. They informed ne today that I was being chagred XXXX dollars in intest alone. I am on a fixed income and had I known that this was not a loan with set payments over a certain amount of time I would not have applied. They only offered assistnce if a payment was declined by my bank and would charge me XXXX t XXXX extra a month to do so. I have teir to contact them to see if they can help with the high payments that they are now tring to charge me but all I get is I'm sorry.
Consumer complaint received 2022-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Solutions LLC (GA)

I keep getting phone calls regarding a XXXX XXXX and his debts. I am not XXXX XXXX and to my knowledge he died in 2016. I do not know XXXX XXXX or his family, yet his creditors continue to harass me. The most recent was from Debt Solutions in XXXX XXXX, AZ.
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX DOB XXXX SS XXXX I would like to order a Full and Complete Copy of my XXXX XXXX, XXXX  analyst Full report, and a full copy of my XXXX report. I am having issues with unknown addresses and information that keeps reappearing on my file or incorrect information the is reoccurring that is reporting from various/different databases. I would like an up-to-date copy for my own personal review. This will allow me the opportunity to address any errors and make the needed adjustments.
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY (NC)

My name is XXXX XXXX. My number is XXXX. My social number:XXXX. I applied american express platinum credit card back to XX/XX/XXXX. 
According to the offer terms : I will be given XXXX membership reward pts after spending XXXX dollars in the first 3 months. 
I did spend XXXX dollars within 90 days. Later on, I returned an item to XXXX and amex said this is not part of qualifying purchase. So I am not eligible to get the welcome bonus. 
According to the offer terms, the return items will be
Consumer complaint received 2019-06-15
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. (TX)

XXXX has refused to remove XXXX XXXX XXXX from my credit file. The card was included in my Bankruptcy and although I have disputed it with the company it still remains on my credit report. 

XXXX as refused to remove a XXXX XXXX Credit Card from my credit file. I have disputed the card with the credit bureau, however they refuse to remove it. I filed for bankruptcy in XXXX and the account was showing opened in XXXX. The card was also not in my name, I was an authorized user so I did not incur the debt.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Date opened XXXX XXXX for amount of {$520.00} XXXX XXXX XXXX. I would like this closed account removed. 
XXXX XXXX XXXX for XXXX open XX/XX/2017. I would like this closed account removed. 
XXXX XXXX  XXXX Opened XXXX XXXX for {$84.00}. I would like this collection removed.
Consumer complaint received 2019-06-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC (CT)

I am without a phone and unable to call BMWF regarding my account, I believe this was stated in prior complaints. As stated by their rep in a prior reply, I messaged BMWF about my account and payment arrangement which is an amount of XXXX paid on XX/XX/XXXX, another payment on the following Monday the XXXX. I received an email from a XXXX with an attachment to it, a letter requesting me to call BMWF about my account. Again, I do not have a phone but will reply here, I need to update my arrangement to include the the amount of XXXX to be paid on XX/XX/XXXX. I have an insurance payment due on the XXXX as well, this is the best I can do.. Please allow me more time before possible repossession
Consumer complaint received 2023-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

FDCPA 807 and 812 This company is In Direct violation. They have not provided anything that I signed with them a contract agreement a full account number or anything I asked for. Also I could not even open that PDF. If I do t get answers this will no go away it will get escalated. CFPB aid suppose to be there for the consumer there is no way this could be closed without me viewing any documents or explanation. I can not open the pdf to see what was said please resend so I can view what is there. 
The explanation pdf was a link to nothing I have proof they never responded with any information that was pertains to this compliant and CFPB is letting them get away with Fraud.
Consumer complaint received 2019-06-14
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: EQUIFAX, INC. (TX)

Equifax has refused to remove XXXX XXXX XXXX  from my credit file. The card was included in my Bankruptcy and although I have disputed it with the company it still remains on my credit report. 

Equifax as refused to remove a XXXX XXXX Credit Card from my credit file. I have disputed the card with the credit bureau, however they refuse to remove it. I filed for bankruptcy in XXXX and the account was showing opened in XXXX. The card was also not in my name, I was an authorized user so I did not incur the debt.
Consumer complaint received 2019-06-14
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. (SC)

I have contacted Experian, XXXX and XXXX about a home loan that is reporting 30 days late on my report. I have sent in proof that the home sold in XX/XX/2017 which is the month XXXX is reporting it to be late. I have been going through this for well over a yr now. I spoke with them on today and I was told that XXXX stated that the information is true even though I submitted proof when the home sold and I was told anyone can create a document on their computer and they are not going to remove it. I was told that they are certified to tell the truth and I am not therefore they must believe what the company say.
Consumer complaint received 2019-06-15
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)

Intent to file lawsuit, No validation of debt. 
Validation letter sent to : XXXX XXXX XXXX XXXX Account # : XXXX & # XXXX To whom it may concern : Please be advised I have reported " validation '' ( not verification ) of an item reported to you by the above original creditor/collection agency. I have received the response that does not indicate or prove : 1. I had this service 2. What services I am being charge for. 3. What the cost of each services I am being charged for. 
Furthermore, ( XXXX XXXX XXXX XXXX ) did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I AM PROCEEDING WITH LEGAL ACTION AS PRESCRIBED BY LAW AGAINST THE ABOVE-NAMED ORIGINAL CREDITOR/COLLECTION AGENCY. SHOULD THIS ITEM NOT BE DELETED WITHIN THE REQUIRED TIME ALLOWED BY LAW I WILL SEEK EVERY LEGAL REMEDY AVAILABLE TO ME AND FILE SUIT AGAINST THE CREDIT BUREAU RESPONSIBLE FOR REPORTING THIS VIOLATION. I urge you to take this extremely serious as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely, XXXX XXXX XXXX I ask the help of CFPB I have put much effort for months now and time to get this resolve please me as XXXX has also sent a notice that they will no longer investigate my dispute and has closed my dispute without providing any documents to me that I have requested, I'm afraid the bureau is not investigating properly into this matter. Nor has XXXX XXXX provided me with nothing. I have done my part as a consumer, how is it a dispute has been closed when I have submitted a complaint and the above agency has sent a response that they would investigate, and XXXX instead closed my dispute. How is this possible? Enclose CFPB I have attached a copy of letter sent to the creditor with the date XX/XX/2019, no response was received instead I have been receiving bills from the above creditor ( note this is NOT show validation a statement with a bill of debt ), since XXXX XXXX has stated this account has been verified. How is this possible if the creditor has not even show me nothing? I have attached a response from XXXX I have received about the complaint made through cfpb since XX/XX/2019 mind you first initial attempt to contact this company was since XXXX its XX/XX/2019 and nothing has been receive almost 3 months, also attach is the first letter sent to XXXX  ( HIPPA ) proof it was sent and receive by XXXX, also attach is second letter and final letter I have sent to XXXX ( HIPPA ) yesterday on XX/XX/2019. I will proceed with a law suit if these accounts are not removed, both Equifax and XXXX will be hearing from my lawyer if this is not resolve in a timely matter. Once XXXX is removed from my file I request XXXX  also request their account be remove from my all credit bureaus.
Consumer complaint received 2019-06-15
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: EQUIFAX, INC. (FL)

Intent to file lawsuit, No validation of debt. 
Validation letter sent to : XXXX XXXX XXXX XXXX Account # : XXXX & # XXXX To whom it may concern : Please be advised I have reported " validation '' ( not verification ) of an item reported to you by the above original creditor/collection agency. I have received the response that does not indicate or prove : 1. I had this service 2. What services I am being charge for. 3.  What the cost of each services I am being charged for. 
Furthermore, ( XXXX XXXX XXXX XXXX ) did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I AM PROCEEDING WITH LEGAL ACTION AS PRESCRIBED BY LAW AGAINST THE ABOVE-NAMED ORIGINAL CREDITOR/COLLECTION AGENCY. SHOULD THIS ITEM NOT BE DELETED WITHIN THE REQUIRED TIME ALLOWED BY LAW I WILL SEEK EVERY LEGAL REMEDY AVAILABLE TO ME AND FILE SUIT AGAINST THE CREDIT BUREAU RESPONSIBLE FOR REPORTING THIS VIOLATION. I urge you to take this extremely serious as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely, XXXX XXXX XXXX I ask the help of CFPB I have put much effort for months now and time to get this resolve please me as Equifax has also sent a notice that they will no longer investigate my dispute and has closed my dispute without providing any documents to me that I have requested, I'm afraid the bureau is not investigating properly into this matter. Nor has XXXX XXXX provided me with nothing. I have done my part as a consumer, how is it a dispute has been closed when I have submitted a complaint and the above agency has sent a response that they would investigate, and Equifax instead closed my dispute. How is this possible? Enclose CFPB I have attached a copy of letter sent to the creditor with the date XX/XX/2019, no response was received instead I have been receiving bills from the above creditor ( note this is NOT show validation a statement with a bill of debt ), since XXXX Equifax has stated this account has been verified. How is this possible if the creditor has not even show me nothing? I have attached a response from XXXX I have received about the complaint made through cfpb since XX/XX/2019 mind you first initial attempt to contact this company was since XXXX its XX/XX/2019 and nothing has been receive almost 3 months, also attach is the first letter sent to Equifax ( HIPPA ) proof it was sent and receive by Equifax, also attach is second letter and final letter I have sent to Equifax ( HIPPA ) yesterday on XX/XX/2019. I will proceed with a law suit if these accounts are not removed, both Equifax and XXXX will be hearing from my lawyer if this is not resolve in a timely matter. Once XXXX is removed from my file I request XXXX also request their account be remove from my all credit bureaus.
Consumer complaint received 2019-06-15
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)

We have repeatly requested from Experian, XXXX  and XXXX to provide written verification of the items that they are reporting on my credit report. By law they must verify information they post. I have asked over and over again for any contract or document bearing my signature be forwarded to me and they have failed to do so for at least the last 6 month. 

Harmed by their willful neglect of the law. they have failed to send me what I repeatly asked for. 



Payments to harmed consumers Congress has authorized the CFPB to take legal action against companies and people that violate federal consumer financial law.

When the Bureau enforces the law, it or a court may order the violator to take action to remedy the harm it caused consumers. This can include requiring the person or company to compensate its victims for this harm. This compensation is generally called redress. In some cases, when the available redress is insufficient to fully compensate consumers for the harm they have suffered, the Bureau may compensate victims from the Bureaus Civil Penalty Fund. The money in the Civil Penalty Fund comes from penalties that the Bureau obtains in enforcement actions against entities and individuals who have violated the law. 


We have repeatly requested from Experian, XXXX and XXXX  to provide written verification of the items that they are reporting on my credit report. By law they must verify information they post. I have asked over and over again for any contract or document bearing my signature be forwarded to me and they have failed to do so for at least the last 6 month.
Consumer complaint received 2019-06-15
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: Account Resolution Corporation (MO)

I disputed collections account from Account Resolutions with all 3 Bureaus and the accounts removed from two of the three Bureaus but left 10 on XX/XX/XXXX. Most of the 10 accounts have duplicate account numbers with different amounts attached or incomplete account numbers 1.  XXXX datedXX/XX/2013for {$140.00} 2.XX/XX/XXXX datedXX/XX/2013 for {$54.00} 3. XXXX dated XX/XX/2014 for {$100.00} 4. XXXX dated XX/XX/2015 for {$90.00} 5. XXXX dated XX/XX/XXXX for {$57.00} 6. XXXX dated XX/XX/2015 for {$120.00} 7. XXXX dated XX/XX/2016 for {$100.00} 8.  XXXX dated XX/XX/XXXX for {$69.00} 9. XXXX dated XX/XX/XXXX  for {$69.00} 10. XXXX dated XX/XX/2017 for {$120.00}
Consumer complaint received 2019-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Somehow I'm reporting as an authorized user on accounts unknown to me nor do I know who added me. Please remove me from these accounts immediately. I'm asking that these accounts to be blocked from my credit files. 

1 ) XXXX XXXX {$14000.00} 2 ) XXXX XXXX {$4500.00} 3 )  XXXX XXXX {$4600.00} 4 ) XXXX XXXX XXXX XXXX I'm disputing this account as well XXXX XXXX XXXX, please remove
Consumer complaint received 2024-02-10
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. (FL)

I hope this letter finds you well. I am writing to express my dissatisfaction and frustration regarding the ongoing issue with my open account at your bank. Despite my previous attempts to rectify the situation, it appears that the matter remains unresolved. I initially brought the matter to your attention through. At that time, I explained the circumstances surrounding the late opening of my account and requested prompt assistance in resolving the issue. However, to my dismay, the matter persists. I understand that mistakes can happen, and I appreciate your efforts in addressing the issue after my initial complaint. Unfortunately, the situation has not been rectified, and it is causing me considerable inconvenience. As a valued customer, I expected a more expedient resolution to such a matter. I kindly request that you investigate this issue promptly and provide me with a detailed explanation of the reasons behind the continued delay. Additionally, I would appreciate a clear timeline for when this matter will be fully resolved. I believe that transparency and communication are crucial in maintaining a positive customer-bank relationship. If necessary, I am willing to provide any documentation or information that may assist in expediting the resolution process. I trust that Credit Bureaus values its customers and will take the necessary steps to rectify this matter promptly. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX Balance : {$120.00}.
Consumer complaint received 2019-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (VA)

IC collection company drop 30 points in my credit report for a debt not owned from me, they not want to shoe me the contact I call them so many times to fix the problem and remove the collection from my credit repot and they dont give any answer. Please some body have to do something to this abusers.
Consumer complaint received 2023-07-18
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. (FL)

I, XXXX XXXX, I was denied a product due to a extended Fraud alert on my consumer credit report. I did NOT ever request an extended fraud alert or ANY other fraud and/or alerts to be on my credit report
Consumer complaint received 2018-02-22
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: EQUIFAX, INC. (OK)

In XX/XX/XXXX I became aware of possible compromises to my credit report. I ran the usual inquiries to the 3 agencies. 2 of which i encountered problems accessing my free credit report due to false info existing on them. I had to fax in personal information to both agencies to receive my free report via US mail. One company has followed through, and i was able to access my report. Equifax however has failed  to comply. I faxed all information requested on XX/XX/XXXX to phone number XXXX. I still have not received anything by mail. I try to access my report online, and none of the wrong information has been corrected so I am still unable to do so. Today, XX/XX/XXXX, I attempted to call again, and i was told the systems are being updated, and to call back later. This is what they tell me every time I call or after over 2 hours of waiting I simply give up because I have other things I have to do.I travel year round so finding the time to get these issues fixed is a monumental task.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (GA)

Nelnet keeps listing my account as having past due payments. When I paid, they didnt credit the account. I disputed 3 transactions and the bank returned my money. Account was once again showing past due, even though Nelnet is supposed to write off this amount due to the XXXX vs XXXX class action settlement and return all the money paid. I once again paid to avoid any issues while they work out the settlement process of returning money and discharging the debt, but once again they did not credit my account, even though the money was pulled out from my checking account.