davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Goal Structured Solutions, LLC (FL)

Subject : Request for Relief for Private Student Loans Used to Attend XXXX XXXX XXXX I am writing to bring to your attention the financial challenges I am facing as a borrower who attended XXXX XXXX XXXX. Like many others, I relied on both federal and private student loans to finance my education at the institution.

Currently, I am diligently repaying my private loans through Launch, but I am encountering significant difficulty due to the terms of the loan. My lender, XXXX XXXX XXXX XXXX, has imposed a high interest rate, rendering my monthly payments unmanageableespecially since I lost my job in XXXX. 

I am reaching out to urge you to consider extending student loan relief to borrowers who, like me, used private loans to attend XXXX XXXX XXXX between XX/XX/XXXX, and XX/XX/XXXX. The Department of Education recently announced federal loan forgiveness for borrowers from this period, citing XXXX XXXX XXXX  misrepresentation of job prospects. 

It is reasonable to infer that similar misrepresentations may have affected students who relied on private loans. As a result, many of us are now grappling with significant debt for an education that may not have met the promises made to us, leading to undue financial hardship.

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) consider providing relief for private loans used to attend XXXX XXXX XXXX  during the same period covered by the federal loan forgiveness program ( XXXX ). 

Thank you for your time and consideration of this matter. Your support in addressing the challenges faced by borrowers like myself would be immensely appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-30
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. (AZ)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (FL)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports : XXXX  - {$700.00}, {$500.00} XXXX XXXX XXXX {$260.00}, {$6700.00} XXXX - {$150.00} XXXX - {$0.00} XXXX XXXX - {$690.00}
Consumer complaint received 2023-12-02
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. (OH)

XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX ( DELETE ASAP ) XXXX XXXX  XXXX XXXX XXXX DELETE ASAP ) XXXX XXXX XXXX XXXX XXXX ( DELETE ASAP ) I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. I explained in my letter that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent account XXXX XXXX XXXX XXXX XXXX XXXX ( DELETE ASAP ) XXXX XXXX  XXXX XXXX XXXX DELETE ASAP ) XXXX XXXX XXXX XXXX XXXX ( DELETE ASAP ) As you are obligated to do in accordance with the Fair DebtCollection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.
Consumer complaint received 2023-12-06
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. 

Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX  Account XXXX : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WSFS FINANCIAL CORPORATION (PA)

Discovering that WSFS has deceitfully opened an account in my name, now reflected on my credit report, is disconcerting. This deceptive act not only compromises my financial integrity but also poses a threat to my creditworthiness and overall financial well-being. It's crucial to take immediate action to address this situation, safeguarding my reputation and ensuring that I am not held accountable for any unauthorized transactions or debts associated with this fraudulent account.
Consumer complaint received 2023-09-22
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. (GA)

On XX/XX/2023, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that the account XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX You have validated inaccurate information and this account is hereby disputed. 
The information on this account being furnished on my consumer report is inaccurate. 15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-12-06
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NY)

I reset my password over the weekend and since then I have had my password reset several times on Monday and Tuesday. 

I am concerned because I have had issues in the past and this particular credit card is out of Ohio. 

The main credit card closed and I have no one to reach out to. 

XXXX Commenity Bank Additionally, the company was made aware of an address change and the company did not correct this for 9 months. This person at the old address could be using the information to obtain my login.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-12-01
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: Experian Information Solutions Inc. (IN)

These inquiries do not belong to me, Please remove all the hard inquiries for me. 

Unauthorized fraudulent Inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NC)

On XX/XX/XXXX AMERICAN EXPRESS denied me an an extension of my own credit after accepting the terms and condition of the application/agreement ( No. XXXX ) in Good Faith based on factors that are illegal, unethical and misleading. I received a response on XX/XX/XXXX, from XXXX XXXX, stating that my XXXX score was the determining factor in regards to the denial. The decision to decline evidences a violation of Regulation B of The Equal Credit Opportunity Act and Securities Fraud. To increase funding AMERICAN EXPRESS transferred my application to third parties that compensated them which means they received benefits, see : pg. S-27 of there Prospectus Supplement dated XXXX XXXX, XXXX. It is unlawful and unethical for AMERICAN EXPRESS to discriminate against an applicant, with respect to any aspect of a credit transaction because of my Good Faith effort, exercised by right under 15 USC 1691 ( a ) ( 3 ). AMERICAN EXPRESS 'shall ' not engage in financial transactions using non-public Government information or allow improper use of such information to further any private interest. AMERICAN EXPRESS used my social security number to retrieve a XXXX score that has NO LAW to support there decision. this act to do so is a deceptive practice and data-privacy violation, that negatively affects my economic security. The acts of force made by AMERICAN EXPRESS means that AMERICAN EXPRESS didn't exercise there grave responsibility. The application/instrument was transferred for a promise of performance, to the extent the promise has been performed, see : UCC 3-203 and UCC 3-303 ( a ) ( 1 ) / AMERICAN EXPRESS sold the application/instrument/asset to the Underwriters, the Underwriters became the holder in Due Course, without notice that the instrument contains an unauthorized signature.
Consumer complaint received 2024-05-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Driveway Finance Corporation (MI)

I have requested that we start the arbitration process. Yet, The Driveway Finance Corporation is refusing my request. Ive informed both the dealership and the finance company of the fraudulent activity on my contract. However, neither entity has responded to my grievances. I have also submitted documentation to the finance to begin the rescission process, yet the have not responded. I feel like Im being lied to and held accountable for a fraudulent loan that no one want to discuss.
Consumer complaint received 2023-12-01
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. (CA)

I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate information continues to do harm to my credit.Please remove the inaccurate adresses, fraudulent account and the inquiries.
Consumer complaint received 2024-05-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

The account message appears as if it was a settlement. The car was totaled and the insurance had XXXX. Therefore the balance was paid in full and I had never been late on my payments. This is fraudulent information that Credit Acceptance is reporting and they have been sued for this illegal practice already.
Consumer complaint received 2024-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (NJ)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this actually an account that belongs to me. I have not received any requested documents. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2022-11-03
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. (GA)

The account status is reporting different with all 3 bureaus.

The number of months is reporting different with all 3 bureaus.

The payment status is reporting different with all 3 bureaus.

The last reporting date is reporting different with all 3 bureaus.

The last date active is reporting different with all 3 bureaus.
Consumer complaint received 2023-11-09
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)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

When I reviewed my credit report, I discovered that the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$7900.00}
Consumer complaint received 2024-05-13
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NC)

XXXX XXXX XXXX XXXX XXXX Account type Collection 2NATIONAL CREDIT SYSTEMS Account number XXXX XXXXAccount name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 permission 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse items shall be other than records of convictions of crime 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,