davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA (NC)

I am writing to formally request the repair of my credit score considering XXXX XXXX XXXX XXXX  settlement and to explain why the circumstances surrounding this settlement should not negatively impact my credit score by American Education Services. I was a student at XXXX  XXXX XXXX XXXX XXXX and a victim of institutional fraud. This fraud not only affected my education but also led to substantial financial harm. As a result, my federal loans were discharged under the Borrower 's Defense to Repayment in XX/XX/XXXX as part of XXXX XXXXXXXX XXXX XXXX  settlement. 
XXXX  XXXX XXXX XXXX case is a class-action lawsuit that was initially filed in XX/XX/XXXX against the U.S. Department of Education . The plaintiffs in this case were student borrowers who alleged that the Department unlawfully delayed or denied the processing of Borrower Defense to Repayment claims. These claims were filed by students, like myself, who were defrauded by their educational institutions, particularly for-profit colleges like XXXX XXXX XXXX XXXX XXXX . In XX/XX/XXXX, a settlement was approved, which mandated the discharge of federal student loans for approximately 200,000 borrowers who attended specific institutions determined to have engaged in substantial misconduct. As part of this settlement, borrowers also received refunds for any payments made on the discharged loans and credit repair for negative reporting related to these loans. Given these circumstances, the negative reporting by AES is not only inaccurate but also unjust. This inaccurate reporting has unfairly damaged my credit score immensely and does not account for my diligent efforts to manage my financial obligation, making it more challenging for me to secure employment, housing, and other financial opportunities during a time when I am already vulnerable. In addition, fails to acknowledge the fraudulent nature of the loans, which has been legally recognized by the U.S. Department of Education.

Despite my efforts to manage my financial obligations responsibly, including making timely payments and seeking a modification when I became unemployed, my request for payment modification was denied. Instead of receiving the necessary support, I was penalized with negative reporting on my credit report. I am humbly requesting that this information be taken into consideration and that the negative entries related to these loans be removed from my credit report. Enclosed, please find the necessary documentation, which includes evidence of my loan discharge of my federal loans from the U.S. Department of Education and the terms of XXXX XXXX XXXX XXXX  settlement. I humbly request that an update of my credit report reflect this situation accurately and make the necessary adjustments to improve my credit score. Your prompt attention to this matter is greatly appreciated, and I look forward to your positive response.
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Account XXXX XXXX XXXX XXXX I notified Experian on XX/XX/year> there are errors on my credit report. the errors have not been corrected. Based on 15 USC 1681 XXXX, the information on my credit report must be 100 % accurate ( see attachments ). My Experian report highest has the account status paid, XXXX is reporting paid, XXXX is reporting derogatory.
Consumer complaint received 2024-06-24
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NC)

I received XXXX {$100.00} Amex XXXX XXXX in the mail for a total of {$600.00}. Attached is a copy of the email confirmation and shipping information, and a photo of the card numbers. They arrived in the mail XX/XX/2024. I attempted to use these cards at multiple online and in person retailers including XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX always for less than {$100.00} in purchases but the transaction has been declined every single time for every single card. I have checked the balance on each card via the website ( AmexXXXX ) and each balance is still {$100.00}. I can not find a way to spend my money on these cards. Upon looking online for advice, many people have reported having this problem in the last year. 

I submitted a CFPB complaint a couple weeks ago. The company reached out and left me a voicemail with a number to call back to resolve the complaint if I can provide further info ( the numbers to the AMEX XXXX XXXX ). I've called and left voicemails 3 times and have had no response. The issue has been marked " Resolved '' in the CFPB portal but nothing has been resolved so I'm submitting another complaint and including a picture of the actual cards this time.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-03
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. (KY)

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-04
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I needed to dispute a collection so I went to their website, but I kept getting errors. So I called their call center and I realized that they hired a company and they have no access to fix any problem. They are there to just answer the phone. They can't talk to anyone who fixes the website or investigates a dispute. 
A collection agency that held my account said, they updated my information on the XXXX of XXXX, XXXX, but when I called XXXX, an agent from XXXX  said, my collection agency didn't update my information. I don't know who is lying and who is telling the truth. 
Also, I don't understand the system and why millions of us rely on them for investigation and decisions. If people pay off their debt, it should be all over without any hassle. But because there are credit bureaus, people have to wait for a second opinion for no reason. 

I feel like I get treated no better than those who don't pay their debt at all. My credit is going to be still bad for a long time no matter whether I paid or not just because the credit bureaus dont allow me to upload my document and they will go through their own investigation. 

When what kind of investigation takes XXXX days? They are not investigating something extreme cases. They just call the collection agency and ask if the balance has been paid or not. 

I wanted to talk with a supervisor or XXXX. The agent said, the supervisor will call me back so I waited all day doing nothing. There was no call. 

I feel like there is no way to dispute my collection after I paid {$XXXX}. They say I can mail my letter from my collection agency but what if it gets lost? And we live in XXXX and everyone has a phone. If I sent an email to them, it's almost instant. For some reason, they won't let me email my letter.
Consumer complaint received 2024-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BANK OF AMERICA, XXXX XXXX, XXXX CARD, XXXX XXXX, XXXX XXXX XXXX, and XXXX put negative information about me to the credit bureaus. These companies are attempting to collect a debt on the basis of XXXX. These companies breach of fiduciary duties, failure of consideration, misrepresentation of material fact, unjust enrichment, no loan or consideration was given. I understand that you shouldn't put any information on my credit file unless I authorized. Provide me with strict proof section 609 ( a ) ( 1 ) ( A ) I authorized this account such as signed applications and contract in wet signature showing, invoice accordance with Bills of Exchange Act 1882 and the actual accounting shows a loss. Provide proof claim with evidence you have legal and lawful authority with to collect. Failure to substantiate the claim, please settle account immediately. I'm challenging this account with these credit card companies. I will further pursue all of my legal remedy without further notice to credit card companies. Please Close and Delete these accounts immediately. Cease and desist ALL collection Activities. Account fraudulently opened in my name with XXXX XXXX XXXX is debt collector Under the FDCPA, a debt collector is someone or business who regularly collects debts owed to others which triggered liability under Sections 15 U.S. Code 1692e - False or misleading representations and multiple violations of Federal Debt Collection Practices Act ( FDC PA ). debt. A debt collector does not have the right to communicate without a prior written consent period. 1 ) 15 U.S. Code 1692b. 15 U.S. Code 1692e. False or misleading representations. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 15 U.S. Code 1692 B ( 2 ) not state that such consumer owes any debt ;. 15 U.S. Code 1692 A 5. 15 U.S. Code 1692d. A debt collector does not have the right to communicate without a prior written consent period. VIOLATIONS, my CONSUMER RIGHTS TO PRIVACY.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (FL)

BANK XXXX XXXX, XXXX XXXX, JPMCB CARD, XXXX XXXX, XXXX XXXX XXXX, and XXXX put negative information about me to the credit bureaus. These companies are attempting to collect a debt on the basis of XXXX. These companies breach of fiduciary duties, failure of consideration, misrepresentation of material fact, unjust enrichment, no loan or consideration was given. I understand that you shouldn't put any information on my credit file unless I authorized. Provide me with strict proof section 609 ( a ) ( 1 ) ( A ) I authorized this account such as signed applications and contract in wet signature showing, invoice accordance with Bills of Exchange Act 1882 and the actual accounting shows a loss. Provide proof claim with evidence you have legal and lawful authority with to collect. Failure to substantiate the claim, please settle account immediately. I'm challenging this account with these credit card companies. I will further pursue all of my legal remedy without further notice to credit card companies. Please Close and Delete these accounts immediately. Cease and desist ALL collection Activities. Account fraudulently opened in my name with XXXX XXXX XXXX is debt collector Under the FDCPA, a debt collector is someone or business who regularly collects debts owed to others which triggered liability under Sections 15 U.S. Code 1692e - False or misleading representations and multiple violations of Federal Debt Collection Practices Act ( FDC PA ). debt. A debt collector does not have the right to communicate without a prior written consent period. 1 ) 15 U.S. Code 1692b. 15 U.S. Code 1692e. False or misleading representations. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 15 U.S. Code 1692 B ( 2 ) not state that such consumer owes any debt ;. 15 U.S. Code 1692 A 5. 15 U.S. Code 1692d. A debt collector does not have the right to communicate without a prior written consent period. VIOLATIONS, my CONSUMER RIGHTS TO PRIVACY.
Consumer complaint received 2023-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation (CO)

Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XX/XX/2022 {$6500.00}
Consumer complaint received 2024-07-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (FL)

Please accept this written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve Carvana breach of contract, violations of Truth in Lending Act ( TILA ), fraud, misrepresentation, tender of payment obligation, unjust enrichment. Carvana breached a contractual promise to loan and deliver the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX VIN : XXXX, on XX/XX/XXXX, from XXXX XXXX. This Letter of Intent to Sue serves as a formal and FINAL notice of our intent to file a lawsuit against CARVANA, LLC and XXXX XXXX. I completed the process from Carvana to buy a XXXX XXXX XXXX XXXX XXXX XXXX and paid {$38000.00} downpayment with added fees {$1500.00} for shipping of my new XXXX XXXX XXXX. Carvana cancelled my order and did not deliver the XXXX XXXX XXXX XXXX XXXX XXXX, and won't refund/Reimburse my money back. Carvana just kept my money, no car, no delivery, no follow up. Usually that's called stealing and is a crime. Attached, signed contract showing downpayment. This Letter of Intent to Sue serves as a formal notice of our intent to file a lawsuit against Carvana LLC and XXXX XXXX in federal court for breach of contract security agreement, Failure of consideration, violations of Racketeering, GAAP Fraud, security fraud, negligent and Civil liability for willful noncompliance with the law.
Consumer complaint received 2024-07-07
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. (FL)

Experian, XXXX and XXXX failure to provide me with verifiable proof required to post the accounts listed below proves that it does not exist and is therefore Unverified. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616, Section 617, False derogatory and defamation of character. If the UNVERIFIED items listed below are not deleted within XXXX business days. Copies of this Affidavit of Identity theft report FTC Fraud report, Consumer Financial Protection Bureau complaint and etc letters as well as copies of written letters sent to Experian, XXXX and XXXX previously will also become part of a formal complaint to the Federal Trade Commission and also shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. XXXX Delete the fraudulent accounts. Despite all my documents and written requests, the unverified fraudulent items listed below still remain on my credit report in violation of Federal Law. In the results of Experian, XXXX and XXXX investigations, Experian, XXXX and XXXX stated in writing that you Verified that these items are being reported correctly? Who verified these accounts? How did they verify them? You still have not provided me with the name of the individual, business address, and telephone number of the person or business contacted during the re-investigation. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it. Furthermore, Experian, XXXX and XXXX have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - Experian, XXXX and XXXX are required to ... promptly DELETE all information which can not be verified.
Consumer complaint received 2024-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I do not recognize this inquiries and i ask to be removed and the bureaus did not do what i ask im providing a identity theft report attach to this im requesting them to be. Remove they are inaccurate and not mine
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

Take action on your PayPal account ( XXXX XXXX XXXX XXXXXXXX ) on XXXX XXXX i recieved an email from paypal stating that my paypal account is currently limited i took action and responded submitting everything they requested for review and they restored my account. Then on XX/XX/XXXX i recieved an email saying i can no longer use Paypal XXXXXXXX XXXX XXXX XXXXXXXX had my paypal account since XXXX and i always follows the rules and regulations to my knowledge in fact i mostly used it for purchases on XXXX XXXX never used my paypal to do anything out the way i dont under why my account was limited