davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

Hello, American Express has charged me {$29.00} late fee ( XX/XX/2023 ) and {$28.00} interest fee ( XXXX XXXX 2023 ). 

I contacted amex through their XXXX app chat feature and asked why these charges were placed. They told me that I was late on a payment, saying the payment is due on the XXXX of the month. I told them that I paid on the XXXX through my amex app. I asked them to waive the fees, mentioning that this was my first time receiving interest and late fees after about 2 years of using their card. 

They submitted a form internally to waive the fee twice and told me my waiver application was rejected. 
I've asked them to tell me the mailing address for amex so that I can send them a letter for a formal inquiring ( know that by law there are required to provide a response ). They refused to give me an physical address.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (CA)

Before the covid repayment freeze ( and switching lenders to advantage ), the remaining principal was around XXXX XXXX Now the principal balance unaccountably shows as XXXX XXXX There appears to have been a mistake made at some point on the balance.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I was a victim of identity theft. I filed all the necessary documents with EXPERIAN to have these fraudulent accounts removed and they were however 1 reappeared ( XXXXXXXX XXXX  ). 15 USC 1681 C-2 states a block maybe rescinded or declined for 1 of 3 reasons 1 ) the blocked was placed in error 2 ) misrepresentation of material fact by the consumer relevenat to the the request to block 3 ) the consumer obtained goods services or money as a result of the block. EXPERIAN has acknowledged they received no documentation from the creditor rather the creditor just reinserted the account. The FCRA has said explicitly this is not sufficient. There needs to be an investigation to ensure completeness and accuracy. 15 USC 1681i states, a notice that if requested by the consumer a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency not later than 15 days
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NJ)

I gave them an application for credit and they took my information and did not return the credits or give me collateral. 

15 U.S. Code 1691 ( a ) - It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction This is also securities fraud because they are trading my note on the secondary market.

According to 12 USC 412 Application for notes ; collateral required Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application.
Consumer complaint received 2023-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2023-07-12
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. (NC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received two hard inquiries from Capital One... one was XX/XX/XXXX the other XX/XX/XXXX ... .I wish to have the XX/XX/2023 inquiry to be deleted..Thank you
Consumer complaint received 2023-10-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (WI)

Phoenix financial services started to repeatedly call and wouldn't state who they were over the phone, instead they hung up and called again, even after they were told not to call again. Somebody received a letter in the mail for me then I knew who the callers was, it had some random " debt owed '' from 4 years ago for {$5.00}, then sent another letter for {$44.00} both for a creditor I've never even heard of, date of service I never seen anyone on. The XXXX places I've been, I haven't owed anything to for over 7 years due to always having XXXX insurances and paying at the time of appointment, I regularly check the accounts too.
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SLM CORPORATION (GA)

Ive disputed this fraudulent loan for years now, the loan is reported on my credit report with my SSN # and address but is not in my name. Its in my Deceased fathers name who had already passed away when the fraudulent loan was taken out in his name.
Consumer complaint received 2021-04-27
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Account Control Technology, Inc. (AZ)

I've received a letter from Account Control Technology INC. who claims that XXXX has authorized my employer to resume garnishment of my wages for my Federal Student Loans. 
President Biden has extended the pause on Student Loan payments and collections activities until XXXX, XXXX. I've previously had no dealings with this company and I want to understand how they're able to commense collection on a debt that I've been paying through payroll garnishment by the dept of Education until the original pause in XXXX of XXXX. 
The copy of the letter I received was sent to my employer and is dated XX/XX/XXXX Please advise what recourse I have in this matter.
Consumer complaint received 2023-10-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (NC)

In XX/XX/XXXX, I purchased a used XXXX XXXX XXXX from US Auto Sales. I also purchased a service contract warranty. The car had significant failures and hidden damages that started to surface within a couple weeks. I contacted US Auto on several occasions to set up repairs and they refused to return my calls. I attempted to make repairs and that is when the warranty company told me US Auto Sales defaulted on their payments and they would no longer be covering warranties. US Auto charged me for a service I can not use and they sold me a lemon based on N.C. Lemon laws. Im requesting compensation, cancel of the loan and I turn over the vehicle, or payment for all repairs.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to CAPITAL ONE AUTO FINANCE. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within XXXX business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to this matter.
Consumer complaint received 2023-10-23
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: EQUIFAX, INC. (TX)

It should come naturally to understand the importance of an accurate credit report in one 's financial life. Finding errors in the credit report that conflict with one 's own financial records has therefore caused some concern. 

As a result, a request is made to correct these errors and update the credit record. A business such as yours is supposed to maintain strict standards of accuracy, and the records ought to accurately reflect your spending and saving patterns. 
I would appreciate a prompt response to this matter. It is hoped that quick action will be taken to correct these errors, considering the possible consequences. 

It is impossible to overstate how crucial accurate credit reporting is. Finding inaccuracies in the credit report is concerning because it is a crucial component of financial security. It raises questions regarding the stability of your services and your financial situation. The initial trust in your organization can be restored with a speedy resolution to this matter. 

We anticipate that this issue will receive prompt attention. In addition to being highly anticipated, a timely answer is also regarded as vitally important. You can rebuild confidence in your services and reinforce the legitimacy of your company by taking quick action to resolve this issue.
Consumer complaint received 2023-04-19
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: EQUIFAX, INC. (WA)

Greetings, Both my loans ( XXXX # : XXXX & XXXX # : XXXX ) were considered past due in XXXX despite the payment coming out of my account on the XXXX of XXXX for both loans. 

This has DESTROYED MY CREDIT without a fault on my own. I have been admitted to the XXXX XXXX XXXX program and need to take a loan for {$250000.00} and was denied because of this issue. Also, I am moving to California with my wife and daughter at the end of this month and won't be able to rent a home to live in with this issue at a high cost of living area ( XXXX XXXX ). I have had +12 years of on time 100 % payments before this issue and an almost XXXX credit for all these years. 

Few issues/notes here : The payments were withdrawn on the XXXX of XXXX versus the XXXX or before despite being on XXXX. Why were they not withdrawn on the XXXX? This is an issue from your end. PLEASE SEE ATTACHED. 
The payments for some reason got sent back to me after. Also, this is not my issue. If this is an overdraft issue, why would the money be withdrawn from my account in the first place? I also am a premier account holder with XXXX. 
The payments were made again on XXXX of XXXX. I also called and was told that the late fees were waived and that there will be no further issues, yet, this was sent to the bureas and DESTROYED MY CREDIT I am in no need for help paying for my mortgage, however, I have been sent multiple BLUE packets that went to the wrong address and took a while to get to me ( address is updated on the system ). 
I was not told that the 30 days count from the XXXX of the month rather than the XXXX. 
I have changed my auto pay date for the XXXX of each month to avoid this issue in the future all together. 

I have attached : XXXX bank transactions/date with regards to both mortgages. 
my credit reports over 12+ years The chart of the credit score and the huge loss I incurred XXXX XXXX XXXX admission letter loan for school program : rejection and reasons for rejection I look forward to your support with getting this taken care of. 

Thank you, XXXX
Consumer complaint received 2023-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LJ Ross Associates (MI)

This account is 6 years old. And I was not aware of this account cause I'm not no longer at this address. This is a old XXXX bill which I can still get service on. But by them keep reporting this on my credit report its keeping me homeless. Everytime I apply for a apartment they keep seeing this collection on my report and denied my rental application. I don't have no problem paying anything but I need it to go out of collections. This bill is from XXXX. And some creditors had bought my account and been reporting it since then. Been homeless since then. XXXX yrs going on XXXX now. They name is, LJ ROSS creditors.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

It's my understanding that according to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Would you mind verifying the documents? A few of the listed accounts seem to be incorrect, and it's causing me some distress.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-04-19
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Dear Experian, I am writing to request the removal of two missed payments from my credit report as per the rules of construction under 15 US Code 1681A Title Definitions.

I missed two payments on my [ XXXX Credit Card ]. As per the terms of the agreement, this missed payment was reported to the credit bureaus, affecting my credit score and making it difficult for me to obtain credit in the future.

However, I would like to draw your attention to the rules of construction under 15 US Code 1681A Title Definitions, which state that any information reported to the credit bureaus must be accurate, relevant, and substantiated. In the case of the missed payments.I believe that it does not meet these criteria, and as such, should be removed from my credit report. 

I would appreciate your prompt attention to this matter and your confirmation that the missed payment has been removed from my credit report. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX  Balance {$500.00} Balance updated XX/XX/2023 XXXX XXXX XXXX Balance {$140.00} Balance updated XX/XX/2023 my indentity was stolen from a wallet at airport XXXX years ago with my social security card, birth certificate and identification cards
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately, please removal all fraudulent inquires : 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 XX/XX/XXXX BANK OF AMERICA XX/XX/XXXX
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I keep receiving a bill from my XXXX account. The account is ending with XXXX. The current balance as of XX/XX/ is {$450.00} and minimum payment due is {$260.00}. I have no idea where it came from. XXXX XXXX XXXX keeps sending me a bill which I have not authorized and charging me an excessive amount of interest every month. This is not acceptable. It ruins my credit score. The transaction is a fraudulent activity done by someone else. I have not purchased any items using XXXX. Please contact the XXXXXXXX XXXX XXXX XXXXXXXX XXXX to fix this issue and recover my credit score as soon as possible. 

I am a person with higher education degree and certificate. I studied at XXXX XXXX and XXXXXXXX XXXX. I only pay for what I have purchased. Thank you for your help. 

Best, XXXX