davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: BHA Services (CA)

I was contacted by BHA the purchaser of a debt from XXXX XXXX. We are happy to pay the matter. They sent an email with a link that is requesting far more information than the credit card. 
I advised the company the link was not working and then was told it would be fixed in a week. 
As of yesterday, I started to be called a harassed by XXXX and XXXX regarding teh very matter indicating the only way to pay is I must provide all my personal information. 
As I advised them I am happy to pay the matter at the specified amount of XXXX in receiving that I would be given a settled in full letter. They insisted they needed all my information and kept calling me while I was at work. This morning call took the cake I called to try to get some real details and then was asked really sketchy questions. What do I do for work. Why do I do that work etc. CFPB can you contact this company have them to be forth right with providing the proper tools to care for this matter. And or look into there practices of and tactics as there should some sort of investigation done in this matter. 


see the email see the link that is shady Name : Original Creditor : XXXX XXXX Our Account # : Original Account # : Payment ID : Total Balance : {$2200.00} Dear Mr.Mrs., In an effort to liquidate the balance of the above-mentioned account, we have been authorized to offer you a settlement in the amount of {$1700.00}. The settlement is to be paid in one payment no later than XX/XX/2023. 

You can pay online at www.bhabillpay.com ( using the payment id listed above ) or you can give us a call at XXXX and one of our Professional Account Managers will be happy to assist you. 

We do not charge any payment processing fees & All Settlements are updated as Paid in Full. 

Upon successful receipt of funds, this office will submit a closing report to our client for credit reporting purposes. This offer will become NULL & VOID if not paid on or before the due dates above. 

BHA Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is an attempt to collect a debt, any information obtained will be used for that purpose. 


This is a communication from a debt collector in an attempt to collect a debt. Any information obtained will be used for that purpose.
Consumer complaint received 2024-03-20
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. (SC)

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 XXXX out of XXXX 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 : XXXX XXXX || Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXXXXXX XXXX || Account # : XXXX - XXXX XXXX XXXX  || Account # : XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I recently received a copy of my credit report and found that Experian is illegally reporting incorrect information about me. The following alleged account is listed as a collection with a PAST DUE balance of {$820.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX This is a violation of FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed.

I demand you remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of the credit report showing your compliance with all FCRA and Metro 2 Reporting requirements. 

With Great Sincerity, XXXX XXXX
Consumer complaint received 2023-04-23
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. (MI)

I asked the credit bureau to do a verification of everything on my credit report.And they did they stated everything was accurate. 
I did a thorough search of my own. There are inaccuracies after the credit bureau verification. 
In accordance with the Fair Credit Reporting act the following accounts have violated my rights Name of account XXXX XXXX XXXX XXXX XXXX VALIDATE ACCOUNT Name of account XXXX XXXX XXXX XXXX XXXX  VALIDATE ACCOUNT Name of account XXXX XXXX XXXX XXXXXXXX VALIDATE ACCOUNT Name of account XXXX XXXX XXXX XXXXXXXX VALIDATE ACCOUNT Name of account XXXX  XXXX BANKRUPTCY ACCOUNT # XXXX 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 consumer reporting agency can not furnish an 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 that antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency. 
If the person knows or have reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-07-20
Product: Credit reporting, credit repair services, 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. (FL)

I have sent in a ID THEFT Report and they placed a fraud alert on my report, but, their are inquiries on my report that I did NOT authorize. 

<br>XXXX XXXX XXXX XX/XX/2018<br> <br>XXXX XXXX XXXX XX/XX/2018<br> <br>XXXX XXXX XX/XX/2018<br><br> These inquires need to be deleted from my credit reports as soon as possible
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-03-20
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)

Despite numerous written requests, the unauthenticated accounts listed below persist on my credit report, contravening federal law. The XXXX Credit Bureaus have neglected to adhere to the Fair Credit Reporting Act, 15 U.S. Code 1681i, within the stipulated timeframe, persisting in reporting unverified information. Considering all my efforts to resolve this matter directly with the creditor, this now amounts to deliberate negligence and non-compliance with federal regulations. I urge you to completely remove the following accounts from my credit reports. 
XXXX XXXX XXXX XXXX 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 2023-04-23
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: Credit Fresh Holdings Inc (FL)

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, XXXXCREDFRSH, 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 an account without my written instructions.

This is a fraudulent account ; I did not open account with this company.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2023-02-21
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AES/PHEAA (TX)

I co-signed for a school loan and the person stated that shes going through a bankruptcy. I am showing 2 loans for this person on my credit report when I just signed for one {$10000.00} loan. I have sent letters to Navient and have explained to them that shes no longer taking my calls & she goes on cruises which she shows on XXXX. The credit company says they cant contact her and keep sending me emails for her address. I dont have her new address and neither do I have her phone number. They should be able to contact her where shes employed. The credit company continues to call several times a day.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-10-27
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: EQUIFAX, INC. (NJ)

I urgently and respectfully request that the Credit Bureaus remove these fraudulent inquiries from my credit file, in strict accordance with FCRA section 605b, which mandates Credit Reporting Agencies to promptly eliminate any inquiries listed on an identity theft report. I have diligently included these inquiries in my IDENTITY THEFT REPORT XXXX XXXXXXXX, which I am resubmitting with this formal complaint. In anticipation of an update to my credit report within the next 15 days, I kindly request the immediate removal of the following 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
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

This letter serves as a formal notice and demand for immediate action regarding multiple inaccuracies on my credit report, which you have negligently allowed to tarnish my financial reputation. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), I am exercising my right to challenge and demand the correction of these inaccuracies posthaste. I XXXX XXXX XXXX have listed below the Accounts that are being challenged XXXX CARD which was an account that was never approved of.
Consumer complaint received 2018-08-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CO)

On XX/XX/XXXX, Paypal took {$280.00} from my Paypal account and they can not explain why. I have called 16 times and asked for managers and supervisors over the past month and get different answers each time I call. They are trying to link it to a XXXX  XXXX, XXXX XXXX, who reserved our house back in XX/XX/XXXX. She paid a deposit on my Paypal account with a XXXX XXXX Credit Card in XX/XX/XXXX. Then she cancelled a few months later. We were out of the country at the time and could not refund her from my Paypal account because there were no funds in it at the time ; so we refunded her through my husband 's Paypal account ( XXXX XXXX ). When XXXX  didn't get her refund right away, she filed a dispute with XXXX XXXX, but then got the funds in a few days and cancelled the dispute the next day. Nearly 4 weeks after my husband paid her, Paypal took the funds from my account and told me they put it in XXXX 's Paypal account. For several weeks she looked for the credit and it never came. We have been in constant contact with her regarding this issue and she is also quite frustrated with Paypal who gives her different stories every time she calls too. She stated and proved to us and Paypal by sending a screen shot of her account that she never received the funds from Paypal. Also she sent to them and us proof that she got the refund from my husbands Paypal account and was not owed any money any longer. Then on XX/XX/XXXX, Paypal told XXXX  they sent the funds to her credit card by a " forced refund '' and that it would show up on her credit card statement by XX/XX/XXXX. It never did show up on her statement. Meanwhile Paypal told me they were " holding '' the funds to see what XXXX XXXX  would do with the dispute. XXXX sent them documentation proof that XXXX had cancelled the dispute. Each time one of us tries to refer to the others Paypal account, Paypal tell us they can not discuss anything with her or us since the other party is not on the phone and they keep telling me the same that they could not discuss anything since XXXX or my husband was on the phone and told him the same when he called about his payment to XXXX. 

Now, XX/XX/XXXX, Paypal claims that XXXX took the money from them because of the dispute and that they took it from me to recover their funds and told me to dispute it with my husband 's bank since he paid her from Paypal through his credit union. The credit union is confused and will not refund my husband because Paypal owes us the money. 

On XX/XX/2018, Paypal refuses to refund the money they took out of my Paypal account and I see no recourse for getting my money back. I have done research on the internet and found hundreds of similar and worse stories about Paypal. Seems no one is really regulating them.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

i sent the CRA 's a letter disputing the inaccurate and incomplete information they are reporting on my credit report, per 15 usc 1681eb and 15 usc 1681i5, the accounts have inaccurate account numbers, high balances, payment history. I am requesting that the inaccurate and incomplete items be delete.

the inaccurate and incomplete information be delete from my consumer report 15 usc 1681e ( 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. also 15 usc 1681i5 ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX. I recently checked Experian, XXXX and XXXX credit reports and I found out billing errors that clearly violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error )
Consumer complaint received 2018-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

there some miss management on my loan, my loan was, with XXXX XXXX, then XXXX XXXX, and then, GMAC, then Owen loan servicing now. i have try to get help and all they are doing is working to take my home. i file a complaint with XXXX XXXX office here in XXXX and at that point they being trying take my home, i also went to a hub Offfices and they Still refuse me help FOR MODIFICATION, i put in for the hard hit and the refuse that. at this point in and very thing i put in for they deny for help, i am XXXX  and can not work and the refuse Everything to help me on my house, THEY TOLD HARD HIT, THEY WOULD NOT TAKE THE MONEY OR I DIDNOT QUALIFY, FOR ANYTHING THAT WILL HELP ME, TO SAVE MY HOME, I HAVE FILE CHAPTER XXXX, SO THEY WOULD NOT TAKE MY HOME, AS, I AM XXXX., I FILL DISCRIMINATE ON., MY LAWYER GAVE A CONSENT TO WORK WITH ME AND THE HUD COUNSELOR AND VERY TIME SHE OR I CALL THEY SAY THEY CAN NOT TALK TO COUNSELOR, OR ME, I JUST HAD TO FAX THIS PAPER AGAIN TODAY XXXX, WHEN IT WAS ALREADY FAX 'S OVER ABOUT TO MONTHS AGO.
Consumer complaint received 2024-03-20
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. (WA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-02-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: LendingPoint Holdings LLC (CA)

I want your office to send my complaint number XXXX XXXX for Lending Point XXXX XXXX XX/XX/2023 because after I filed this complaint, LendingPoint keep calling and emailing me to pay {$2000.00} loan which's fake, I did not recognized and consented, they forged my signature ( I always signed my name with my middle initial ). 
False statements representation trying to collect money, I don't know and don't have loans with XXXX XXXX Bank and XXXX XXXX, I only have one loan with XXXX XXXX Mortgage for my house. You can check it with the Credit bureau. 
LendingPoint LLC reported me to the credit bureau and damaged my credit. 
On XXXX, 2023 I paid the {$2000.00} plus {$370.00} interest because they will accrue interest if I don't pay it now, this is a fraud, I want my money back. If you need more information please let me know. ( Please see attached copy of document I sent with my original complaint ).
Consumer complaint received 2018-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NY)

I made a purchase from XXXX for {$1800.00} on Friday XX/XX/XXXX Selected to pay with my XXXX card Once selected there were 3 types of payment available to select 1 ) 5 % rebate 2 )  Special Financing ( interest free for period 6, 12 & 24 months ) if paid within period 3 ) 24 Equal monthly payments ( See Document # 1 ) The transaction was accepted and instead of being charged 1/24th on the total transaction ( XXXX ) my XXXX card was charged the entire amount of {$1800.00} putting my card {$1000.00} in the red ( See document # 2 ) On Saturday XX/XX/XXXX I called XXXX to find out what is going on and was transferred to XXXX XXXX and I was repeatedly transferred back an fourth between XXXX and XXXX XXXX. No one including managers from both XXXX & XXXX XXXX were not able to tell me the difference between option 2 & 3. This is clearly a case of deceptive business practices and deceptive financial advertising. Buyers be aware that when making a large purchase on XXXX and when you choose to use your XXXX XXXX card to pay and choose the 24 EQUAL MONTHLY PAYMENTS OPTION be prepared for your XXXX card to be charged the FULL AMOUNT of the transaction instead of the first payment of 24 payment like the option states.. XXXX XXXX is clearly attempting to deceive the consumer and try to hide it with equating both options 2 & 3 as the same!! Lastly I would like to note that all the reps I spoke to, including managers, at XXXX XXXX did not want to hear or listen to anything I or the XXXX supervisor had to say trying to get to the bottom of this issue with 3 way phone conversations we had on Saturday XX/XX/XXXX. All XXXX reps including supervisors were clueless and kept referring me back to XXXX XXXX putting me on and endless nightmare merry-go-round of finger pointing without any resolution. I spent 4-5 hours on XX/XX/XXXX & XX/XX/XXXX trying to resolve this issue with no results!!