davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (LA)

PayPal account : XXXX You guys took all the money from my account. I have contacted my lawyer and we will sue you guys. You guys will lose more in court that refunding all my money back. I need my money back immediately. I waited the 180 days and 2 days before the 180 days you guys took all the money from my account.
Consumer complaint received 2018-12-12
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: Bread Financial Holdings, Inc. (AZ)

Original complaint : " I have reached out to XXXX XXXX/ XXXX over 4 times now regarding my credit card account. Twice they have told me they would remove these late payments on my credit reports. Months went by and still nothing. I called again another other two times and was transferred to another department and then subsequently hung up on while waiting. They are showing 4 late payments ( XXXX, XXXX, XXXX, XX/XX/2017 ) which is 100 % incorrect. I set up a payment plan with XXXX in XXXX and the lady with whom I spoke to informed me I would have ZERO late payments on my credit report. Despite having this confirmed, I still kept receiving payment deliquencies on my credit report from this company even though I was making payments on time in my payment plan. I need these removed as these are not incorrect, but are seriously hurting me financially. I have been a loyal customer to XXXX for several years and want to be treated better than this. " XXXX XXXX XXXX XXXX ( representing XXXX in the consumer complaints dept ) stated that I did not pay the correct amounts past due. However, the amount I paid were the amount STATED as due on my account " viewed online ''. The paper statement was correct but the online amount due WAS NOT CORRECT ... I paid what I was asked to pay.
Consumer complaint received 2022-11-26
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. (AL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$6800.00}
Consumer complaint received 2024-05-08
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (AL)

As a former student of the long gone for profit-XXXX XXXX XXXX XXXX XXXX , a branch of the now ENTIRELY CLOSED, XXXX XXXX systems , I personally held/hold damaging loans from this lender to attend this now closed school.And have in good faith, attempted to manage said loans Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, ( your School Here ). 
As a matter of fact, The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 
Because of the numerous claims of fraud and misconduct perpetrated by The XXXX XXXX, the Biden administration has just announced a blanket discharge for anyone enrolled at The XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 
My Federal loans in the amount of ( Your amount here ) were discharged and my credit repaired. 
I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. 
These private loans with a high risk of default were part of a package deal offered to " for profit online schools '', but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. 
I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools.

After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? 
Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? 
Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. 


Link to Senator Warrens Letter : XXXX XXXX XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX
Consumer complaint received 2022-12-05
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. (TX)

XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-04-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (WI)

Credit report goes down every time you apply, really! 
XXXX XXXX XXXX XXXX send all thier junk advertisement to me in mail. Then I apply, they deny, was going to transfer balance from XXXX  cause of thier XXXX ups. Mostly caused by in my opinion by staff reductions.they didn't allocate my payments as I wanted, now last month they did but still not for month before. The bank spent lots of money trying to get me tp apply for thier credit card. So why deny and reduce my credit score, big old scooge for sure like XXXX XXXX! Stay away from XXXX XXXX, know first hand they are deceiving and dirty! 
Get that hard check off my record by XXXX  XXXX XXXX. 

Then amazon credit application denied by chase. Already have card with chase.

Site said, get XXXX dollars from Amazon and 12 months free payment plan with azmazon card. Got denied by chase. So Now I put it under my XXXX XXXX. The purchase. 
In XXXX, I will transfer XXXX  balance to XXXXr. Those applications should not bring my score down, its a gimmick by card companies and banks. Get that credit denial off my record, it was better deal, free XXXX dollars and no interest payment plan. Big business advertisement. We get punished? What's wrong with the America. Get chase credit check off my record! Chase represenative told me go to credit bureau, ok, so I did!
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BSI Financial Holdings, Inc. (FL)

XXXX, XXXX. 
To Whom it my Concern. 
At XXXX XXXX XXXX  XXXX XXXX XXXX with residency at XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Driver license XXXX XXXX XXXX XXXX XXXX Florida State. 
To be on my situation is necessary to count with your valuable help in order to communicate the mortgage company as soon as possible in regard the negligence they been acting in my reputation and negative report on my credit. 
My mortgage payment was in default since XX/XX/XXXX, at that time I was assigned to be working outside the country.The mortgage was sold to XXXX XXXX and the Automated payment was not transferred to them, and I was not aware of it until they send a sherif notice and my neighbor communicated with me.As soon as I knew it I came to the country and I paid all late payments and fees that the new mortgaged company requested me, and not matter that they reported me and after many requested from me through a good will letter to them to deleted it, it had not been posible. 
What happened in this case my old mortgage company XXXX XXXX, XXXX obligation # XXXX sold this loan to BSI Financial Services without transferred the Automated payment that it was previously settled with them so it was to confused, till BSI started legal action in this regard. 
On my side I took the corrected action contacting BSI, at the same time with their Law Firm in order to put my loan currently, paying legal fees and interest due to the late payments. 
Now BSI sold my loan again, XXXX XXXX loan # XXXX at this time I was notified with time to comply with this obligation. My loan at this time is agehad on payments till this coming XXXX. 
BSI Financial Services has been so neglected in regard with negative report to a different credit report agencies, in my many calls I been requested to take out this negative action on my credit report, but up to this date the negative report still. 
Please help me out in this matter, the problem still going on, I need help my sister with my good credit in order to get a loan to buy her house for your help and understanding in this matter I express my thanks. 
Please request BSI Financial Services to send a physical report saying my name is free and clear for any negative report or obligations with that institution.But it needs to be deleted from my report because if not I can not to do any finantial negotiation. 

XXXX XXXX XXXX Electronically signed
Consumer complaint received 2022-11-26
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)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00}
Consumer complaint received 2023-08-14
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. (NJ)

Violated the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they have on file for the account listed. Invalidated information by XXXX was not removed which constitute fraud under both Federal and State Laws. Due to this fact, negative mark are found on any of my credit reports.

Violation of the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) Violation of the Fair Debt Collection Practices Act 15 USC 1692g
Consumer complaint received 2023-08-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TN)

XXXX XXXX XXXX d/b/a brand Mr.Cooper sent house insurance check XXXX XXXX XXXX XXXX XXXX late in XX/XX/2023 instead of XX/XX/2023 and sent me a XXXX check I sent XXXX check back to Mr.Cooper WAS NOT put back in my escrow account now wanting to raise my house payment for lack of funds in escrow account they can't count add or subtract a first grater can figure this out grown adults can't fact
Consumer complaint received 2022-12-05
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO. (OH)

An oversite occurred on XX/XX/XXXX, when I logged into my Ford Motor Credit account to make a payment of {$680.00} on account # XXXX. The wrong payment amount filled in was incorrect, the amount auto-filled in was {$630.00}, which was an accidental error that I did not realize at the time. This error resulted in Ford hitting my account as a XXXX late payment. When I discovered the error I made the correct, however, I still received a late payment on my consumer report. 

This was an oversight and error, not intentional. I have had multiple leased vehicles through Ford Motor Credit and I have never been late with my payment history with my ten-plus year relationship with Ford credit XXXX The error back in XX/XX/XXXX, was a {$50.00} dollar difference/oversight. 

I received a letter from Ford Credit 's credit dispute analyst named XXXX, dated XX/XX/XXXX, in his response he claims " the full payment must be received, or an extension requested and processed before the payment is XXXX days past due. '' I didn't discover the error had occurred in time to meet the timeframe described in his letter. 

As a consumer, that has always had a good standing payment record with Ford Credit, it's very surprising that they seem to be unwilling to look at my good standing payment history, and realize this was a simple error that wasn't discovered in a timely manner.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX XXXX 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 2024-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I disagree with the account listed below which still appears on my chexsystems XXXX XXXXXXXX even after your investigation. i would like this item immediately re-investigated. the inaccuracies are highly injurious to my to my report Accordance with The Fair credit reporting Act Public law 91-506 Title VI Section 611, Subsection A-D Please provide the names and business addresses of each individual with whom you verified the above so that i may follow up. Please send me an updated copy of my chexsystems report after your reinvestigation
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

The accounts with XXXX was charged off in XXXX of XXXX forBalance {$1700.00} and the other for {$6200.00} XXXX credited my account as if I made a payment, which I never did after the account was closed. This led to the reopening the account and giving late payment as if the account is still active. I have two accounts with this lender and this was done on both accounts. Every month I get alerts saying I missed a payment on a closed accounts. The following laws were violated ; 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 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 2023-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

XX/XX/XXXX requests information about a unrecognized debt : On XX/XX/XXXX the information requesting proof of ownership and authorization that they were assigned this debt was not provided. I requested the information for the second time on XX/XX/XXXX by certified mail from : FAIR COLLECTION & OUTSOURCE This unrecognized debt is on all 3 credit bureaus. 
My information has been found on the dark web and I am not sure what happens when it appears on that website. 
The above information has been reported to the credit bureaus.
Consumer complaint received 2022-10-23
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: Experian Information Solutions Inc. (MD)

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 Number : XXXX, Account name : XXXX  XXXX, Account name : XXXX  XXXX XXXX  Account XXXX, Account name : XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # 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 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 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have written letters in great detail to Transunion on many occasions disputing the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; ; XXXX XXXX XXXX XXXX for XXXX XXXX or more of the following : 15 U.S. Code 1681i ; 15 U.S. Code 1681c2 ( a ) ; 15 U.S. Code 1681s2 ; 15 U.S. Code 1681a ( 2 ) ( i ) ; 15 U.S. Code 6801 ; 15 U.S. Code 6802. ( Including Transunion ). A representative of the CFPB responded to me in writing putting " VERIFIED AS REPORTED '' next to each item that I disputed, meanwhile NONE OF MY MATTERS WERE ADDRESSED! I would like to see the information that was allegedly provided to verify these accounts because I certainly informed you that I do not consent to E-Oscar. Please mail that information to me! Also regarding my previous complaint, why did no one address any of the violations? Why did no one address my right to privacy being violated? Why did no one address that I never opted into reporting? You do understand that no consent equals identity theft, right?! Why did no one address the fact that I requested original contracts and original disclosure forms that these companies allegedly have on file, and I never received them! Why did no one address that Transunion, XXXX, and XXXX are furnishing completely different information for the same accounts! How am I to believe anything that is being reported with zero proof?? Why are these companies reporting incomplete, inconsistent and inaccurate information!? How do I know the accuracy of the balances are correct? Why has no one sent me a full-accounting ledger for these accounts as I requested???? Nonetheless, I sat and waited 60 days for that extremely LAZY response above from the CFPB! YOU, the CFPB are the supervising authority over the CRA 's, yet, you are not enforcing any laws ; why is that??? To this day, none of the disputed companies provided me with ANY legal and irrefutable documents baring my unique signature. I have expressed that my right to privacy is being violated by multiple entities, and you, the CFPB, is not doing anything about it. I should not have to keep going through this! Federal law states that my consumer report is to be 100 % accurate and truthful, and it is NOT, AND IT HAS NOT BEEN!! Your blatant disregard for fairness, privacy, and accuracy is obvious! This is mere willful noncompliance! Congress states that the behavior I am experiencing by you impedes the banking system and undermines public trust. I have experienced tremendous mental anguish and injury due to these matters. Not only that, I have been unable to obtain new credit, and these matters have caused an extreme amount of difficulty for myself and my family. Please reinvestigate these matters. Again, I do not consent to E-Oscar.
Consumer complaint received 2023-01-04
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of 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. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$2700.00}