davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-11
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: Experian Information Solutions Inc. (OH)

my rights have been violated, i sent in a request about what i saw on my consumer report and adv them to correct and provided the laws violated because this is not fair and right. They failed to respond fair and correct. now im reporting it this. i sent certified mail, here is a tracking number XXXX and i have the receipts. 

They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : i did not use in manner which is fair and equitable to the consumer in reporting negative allegations without written permission. a consumer reporting agency can not furnish an account without my written instructions.

According to : 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.

Remember, the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

please audit these companies and correct my report as this is harming my chahracter.
Consumer complaint received 2018-03-07
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: EQUIFAX, INC. (GA)

I submitted a letter in regards to items on my credit report that was not accurate. 

There are 2 address that are not mine and was notified they were on the black market by XXXX Please remove the following addresses : 1. XXXX XXXX XXXX XXXX, XXXX, GA XXXX The following inquiries I did not authorize : 1. XXXX/XXXX. XX/XX/XXXX 2. XXXX XXXX XXXX, XXXX. XX/XX/XXXX 3. XXXX XXXX. XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX Please remove the following account thats not mine : 1. XXXX XXXX XX/XX/XXXX The following account came back as not mind on my other Bureaus but is listed on this one, please delete this account which is not mine, XXXX XXXX XX/XX/XXXX. 

Please make the following corrections to my credit report. 
Thanks in advance
Consumer complaint received 2023-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 XXXXDEPT OF ED # XXXX, XXXX XXXX XXXXXXXXDEPT OF ED # XXXX, XXXX XXXX XXXX/DEPT OF ED # XXXX, XXXX XXXX, # XXXX, XXXXDEPT OF ED # XXXX, XXXXDEPT OF ED # XXXX, XXXXDEPT OF 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 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 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 2023-06-22
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. (VA)

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 XXXX XXXX is 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 2022-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Financial Guardian, Inc. (CA)

I received a fraudulent debt collection letter from XXXX XXXX, owner of Merchants Financial Guardian , Inc. ( XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX / XXXX XXXX XXXX, XXXX, CA XXXX / ( XXXX ) XXXX. XXXX XXXX apparently found my address online and assumed I was the " XXXX XXXX '' who used to work for the debtor 's company : XXXX XXXX XXXX XXXX ( There are approx. XXXX " XXXX XXXX '' in XXXX California and I believe this collector has send all of them the same letter- which is illegal ). This is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits a debt collector from informing third parties of a consumers debt. I have worked for the XXXX XXXX XXXX XXXX as a XXXX XXXX for the past XXXX XXXX and have never worked for XXXX XXXX XXXX XXXX. I researched the debtors corporation and there is an agent for service in XXXX XXXX. The creditor is XXXX XXXX XXXX XXXX XXXX, and I have never heard of this corporation either. The collections letter is demanding I pay {$55000.00}. I am sending a letter to XXXX XXXX, the debt collector, informing him of his mistake - by certified mail to both his physical address and his post office box. I discovered by my research that the owner of the debtors corporation ( XXXX XXXX XXXX XXXX ), XXXX XXXX, is deceased and his widow received the same collections letter. I spoke to XXXX XXXX XXXX and she confirmed that a " XXXX XXXX '' used to work for her deceased husband but that HE doesn't owe this debt. In fact, the XXXX XXXX didn't believe SHE owes this debt either. I have checked with XXXX, XXXX, and XXXX and XXXX XXXX has not taken any action against my credit report... yet. I want XXXX XXXX to be aware of his violations and that he be held to account for his actions. He clearly doesn't understand how to LEGALLY collect debts. 

XXXX XXXX of Merchants Financial Guardian , Inc. has violated the following sections of the Fair Debt Collection Practices Act : 15 USC 1692b 804 ( 2 ) ; 15 USC 1692c 805 ( a ) ( b ) ; 15 USC 1692e 807 ( 5 )
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (SC)

I opened a new XXXX XXXX XXXX American Express credit card on XX/XX/XXXX. The credit card Account is ending in XXXX. XXXX offered a 0 % introductory APR on my initial purchase of a XXXX XXXX XXXX package that was made on XX/XX/XXXX. The 0 % APR offer expires in XXXX, XXXX. On XX/XX/XXXX, I was billed the annual fee for the new card of {$250.00}. I was fully aware of this fee. This was not a purchase, but a fee for using the card. 

Since the fee was billed after the promotional purchase, I am being billed a monthly interest charge on the {$250.00} annual fee. This interest charge was not disclosed by XXXX or by American Express at the time the application was submitted. The only way to avoid paying interest on the annual fee is to pay off the initial purchase of the vacation package. In essence, this completely nullifies the 0 % interest offer. This is misleading by American Express and XXXX. 

I feel that this monthly interest charge is fraudulent and that American Express should credit my account for all interest charges related to the annual fee. 

On my billing statement, American Express is calling the charge " XXXX XXXX on XXXX ''. My complaint is that the fee is NOT a purchase, but a fee that they impose on card users. Therefore, I should not be charged interest every month, until the initial purchase is paid off. My initial payment was for {$260.00} on XX/XX/XXXX which does cover the annual fee. 

I have been charged {$12.00} in interest since XXXX, XXXX. 

I have contacted American Express ( XXXX ) on XX/XX/XXXX and spoke with XXXX. He opened a case # XXXX. I did not hear back from them. I called them again on XX/XX/XXXX and spoke with XXXX. She told me that the case is closed and we have to pay the interest. Those are the rules. I asked to speak to a supervisor, but the supervisor was " busy ''. XXXX finally issued me credit for 1 month ( {$3.00} ), but was not clear on whether all interest charges would be waived. 

My issue is that I should not be charged interest on the annual fee, since it is not a purchase. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (WA)

On XX/XX/2017 I contacted Experian Credit Reporting for the purpose of checking on my credit score. I was charged {$1.00} for this service but was still not able to obtain my score. Hidden in the small print is an agreement that if I did not contact them within 7 days to cancel my " membership '' I would be charged {$21.00} per month. I realize now that I should have read all of the small print. I believe their website is deceptive by not prominently displaying this information so that customers can easily read it. After discovering that my credit card has been charged {$21.00} for the past two months, I quickly contacted Experian and cancelled my " membership '' which I did n't want in the first place. I believe that they purposely make their website deceptive by offering a {$1.00} fee to rope unsuspecting people like me into a membership.
Consumer complaint received 2022-10-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Tesla, Inc. (CA)

I have car financed by Tesla finance, I was planning to pay off my car early so I make partial payment to lower the principal after I confirm with them, so I did pay {$41000.00} and I reserve and email saying the payment can not go to the principal and it will go for the monthly payment. 
I ask them to return my money back and they agree to return it back, it's been 2 month now and I still didn't get my money back and they keep taking interest on my payment, I contacted them no one answer the phone, I email them and they keep ignoring me they put me in really deep financial problem and I want my money back as soon as possible
Consumer complaint received 2024-04-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I went to pay my XXXX Mortgage Payment on XX/XX/XXXX within the 16 day grace period. I paid my mortgage using their system on XX/XX/XXXX and received confirmation code XXXX, indicating that there were no problems or errors. I additionally received a statement from PennyMac on XX/XX/XXXX that indicated that my payment had gone through and been credited to my account. I assumed my mortgage had been successfully paid, because I was given no other indication that it had not. On XX/XX/XXXX I received an alert from my credit monitoring agency that PennyMac had placed a 30 days late payment on my account. Upon learning this I called PennyMac and learned that there had been an error with my account number and the payment did not go through. I immediately made BOTH my XXXX and XXXX payment on the same day ( XX/XX/XXXX ) to bring my account current. I requested that PennyMac delete this 30 days late payment because it was due to an error and not negligence on my part to meet my fiduciary responsibilities. I have never been 30 days late on my mortgage before or after this incident. This is no indication of my willingness to meet my obligations. This is an error within PennyMac 's payment system. I was given confirmation on two separate occasions that my mortgage was paid. If there was an error with the account code the payment should not have been accepted by. the system. If I had received the error message I would have rectified the situation immediately instead I was falsely lead to believe that I paid my mortgage on time. Most payment systems will not allow a transaction to go through without the proper account information there is no reason why PennyMac does not have a payment system that is capable of the same thing. PennyMac claims that I was sent an email stating this, but I had not received it. I received many emails from them in XXXX, none of them stated that I was late. I am attaching my XXXX Statement and XXXX Statement, along with a printout of my email what they claim was a payment reminder sent around the time of the XXXX Incident. The only payment email I received was the monthly reminder that you can pay online, with no mention of an outstanding payment. How was I supposed to know from the attached email that my payment was rejected because of an error?
Consumer complaint received 2023-07-10
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. (CT)

I reviewed my Consumer Report and noticed that I had one late payment on account that I was never late for and was on autopay for 5 yrs. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late for any payments for any of my accounts including ( XXXX XXXX XXXX ) Please investigate and provide a proof with statements. If proof can not be provided I demand this late payment to be updated on time as it should be as I was never late ( 5 yrs autopay ) Thank you
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Respected Sir/Madam I do have an personal bank account in XXXX XXXX XXXX XXXX till date. Recently in XXXX XXXX I have opened another personal bank account in Capital One bank. Since Capital one account is a new account and had no money in that so to save money in my new capital one personal bank account I had made a XXXX transaction of amount {$3500.00} from my XXXX XXXX account to Capital one on XX/XX/XXXX. I have received an email from XXXX XXXX on XXXX XXXX saying that {$3500.00} has been deposited into my capital one bank account. But when I checked my capital one bank account I did not find an amount {$3500.00} in my account and still today that amount has not reflected/deposited into my capital one bank account. I have immediately called XXXXXXXX XXXX and Capital one bank after observing that issue on XX/XX/XXXX but I didn't get any proper response from both banks. I have made so many calls and I explained them about the issue but any of those two bank representative responded properly. So immediately I booked an appointment to meet my XXXX XXXX XXXX about this issue. I have met him and explained everything about my situation and issue I am facing with. He checked and informed me that from their end its showing that amount has been deposited to capital one bank account.I have shown XXXX XXXX XXXXXXXX my capital bank account to confirm him that the amount is not their in my account and given all details he asked for. After looking into my capital one account he also recognized that amount is not deposited into my account. Even I have raised dispute with XXXXXXXX XXXX about Transaction made but that dispute has been canceled by XXXXXXXX XXXX and when I asked reason for Dispute Cancellation they informed that since from their end transaction is showing as deposited into capital one bank account so that they can not make any dispute. Even When I called capital bank none of the representatives/ manager responded properly since from XX/XX/XXXX to till date I am calling them but they didn't help me with anything.I shared them all the details they asked for like trace number, Transactions details and everything whatever they asked for and requested to raise a case but they didn't raised a case and lied to me saying that they have raised a case. Again I raised case and they repeated the same. When I asked on XX/XX/XXXX about case status they told me there is no case created and again I gave them all details to raise a case. But they are not serious about this issue and still I didnt received my amount of {$3500.00} into my account. It's already 3 months I waited on this issue but none of this both banks helped me. Both banks are responsible for my amount and I didnt get a proper help from them. I am in urgent need of money and I sincerely need your help on this as soon as possible. I hope at least I will get help from your end.
Consumer complaint received 2023-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (KY)

I have a loan servicer ( American Education Services ) that is trying to charge me {$130.00} a month starting in XX/XX/XXXX. My payment has always been under {$30.00} a month for the 10 plus years that I have been making payments on the interest for my student loans. I make only {$25000.00} a year at this time. I have another student loan that I will be paying on in the next couple of months and I am worried that I will be paying even more per month. I received some pension money ( lump sum ) from my former employer in XXXX, which was used to pay my car off and other debts. I still have credit card debt around {$8000.00} dollars and I help my mother pay for her medicines because they are higher now. I have a full-time job, but I am still struggling due to higher food and gas prices. I don't feel that AES is treating me fairly.
Consumer complaint received 2022-09-10
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. (NJ)

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX have violated my consumer rights. 

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

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-22
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)

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 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2022-10-27
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: Experian Information Solutions Inc. (MI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-04
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: LEXISNEXIS (IL)

accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

DEPT OF EDUCATIONXXXX : XXXX {$2100.00} DEPT OF EDUCATIONXXXX : XXXX {$4100.00} Thank you for responding to my previous complaint through the CFPB Complaint Portal. In your response, you have indicated that the inaccuracies have been verified by the furnisher. 

Upon further investigation of the accounts reporting on my credit report, I have found several inaccuracies in the payment history, balance updated date, and status not matching with XXXX which will be attached. I have submitted the same complaint to XXXX and they removed the accounts from my report because of the inaccuracies. This has given me the consumer more reasonable cause to believe that this information is inaccurate and according to 15 USC 1681s-2 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. 

At this time, I am requesting to have the late payments be removed indefinitely from my credit report and I would like an updated copy of my credit report sent to the address above once the late payments have been removed. I eagerly await your response!