davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (OK)

We were unaware that our credit card had a balance. They first called on XX/XX/XXXX. I told them I was unaware of this debit. 

They called again the next day. We told them to stop calling we will pay it. 

Everyday they call up to 6 times a day. We finally called then on Friday XX/XX/XXXX and told then again to stop calling. They said their system is automated and can not stop. 

Again today XX/XX/XXXX they have called 7 times and we again told them to stop calling. 

They are harassing us daily, multiple times a day call all numbers even ones that was not listed on the account which they acquired some other way. 

These numbers are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

They won't stop harassing us Zales credit through XXXX XXXX
Consumer complaint received 2019-04-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: IQOR US INC (KY)

They tried to say I owed on a student loan but I disagreed with the amount owed. They tried to set up payment arraignments and the manager ( XXXX  ) tried to accuse me of not wanting to the pay the bill. I explained that was not the case, I would just like to know what I'm paying for. He said they would put me on a payment plan if I had 2 references that did not live with me. I couldn't provide that information because I didn't have anyone 's information. I contacted an attorney to help me set up payment arraignments. After setting up payment arraignments they decided to garnish my wages. On top of garnishing my wages they took out an additional {$160.00} on XX/XX/19. I do not feel like this is a authentic company, not to mention I have had my identity stolen on several occasions. The company said they were with Allied Interstate LLC when they told me they were going to have to garnish my wages, then when I get the wage garnishment it says it's from the Commonwealth of Kentucky, Finance and Administration Cabinet, Kentucky Higher Education Assistance Authority.
Consumer complaint received 2019-04-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

I was very far behind on my mortgage because my husband was unemployed for 10 months a couple of years ago. He was older so it was difficult getting a new job, he has one now. Our loan was sold by XXXX XXXX to Specialized Loan Servicing effective XX/XX/XXXX. In XXXX, I received default notices and intent to foreclose. I called XXXX and asked to pay ALL OF MY PAST FEES and did that at that time. I also paid thru XX/XX/XXXX and was current. After that they added additional late fees, two of them were waived. However, they have kept on a {$15.00} " property inspection '' fee that they say was incurred on XX/XX/XXXX. No one came to inspect my property and my loan was current. Now they will not waive this additional fee and I feel this is not fair since I am current on this loan. I specifically asked to pay everything I was behind on and did in XXXX. Now they seem to be using this as an excuse to extract additional fees from me and I don't think that is fair. They are impossible to reach by phone and it takes them every bit of 30 days to respond to me which I find completely onerous. 
Thank you.
Consumer complaint received 2019-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Creditors Bureau Associates (GA)

On XX/XX/XXXX I received a letter from Credit Bureau Associates of Georgia ( CBA ) dated XXXX XX/XX/XXXX. This was for a medical service for XX/XX/XXXX. The letter states to notify the office within 30 days ( XX/XX/XXXX ) to dispute the validity of this debt of {$110.00}. 

That same day after receiving the letter from CBA I paid the original creditor the {$110.00} and received a receipt from the original creditor were I received medical service in XXXX. That same day XX/XX/XXXX, I write a letter to CBA stating the debt was paid to the original creditor and I attached a receipt of payment. I then state to please respond within 10 business days to request that the debt was settled with the original creditor. 

A month goes by and I received a letter from CBA on XXXX XX/XX/XXXX dated XXXX XX/XX/XXXX. The letter states that I still owe the debt and returned my original letters back to me including the receipt. CBA also included in my letter an original receipt of payment from the original creditor showing that they I the patient paid the original creditor on XXXX XXXX the {$110.00} which was highlighted by CBA. 


Since CBA has the receipt from the medical billing department that I satisfied the payment with the original creditor, why would CBA still send me a letter stating I currently owe {$110.00}? 


I then call the original creditor at XXXX and ask to speak with the billing department. I then explain the situation and she states that she will call them to settle the confusion as she showed that I paid the account on XXXX XXXX on her end. She then tells me that she would call me back once CBA has confirmation from the billing department that the account is settled with the original creditor. She later calls me back and states the account is settled with CBA as they now know my account was paid with the billing department of the original creditor.

Today I check my credit reports and CBA placed a {$110.00} paid account on my credit report XX/XX/XXXXFrom the original letter that was sent from CBA the 30 day notification was not honored as I paid the original creditor and mailed receipt of payment to CBA.
Consumer complaint received 2019-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After reviewing a copy of my annual credit report, I have identified an inaccurate item that was placed on my report. I have made a payment towards the disputed account and as agreed the amount that is shown represents the payment which settled this account in its entirety. For your convenience, I have attached receipts that show proof of payment made towards the account that confirms the agreement. Promptly re-investigate the account and have the inaccurate entry remove from my credit file. Your company will agree to remove the present entry from my credit report to exhibit Paid satisfactory. Additionally, other entries such as, late payments or charge off should be purged from my credit files.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (RI)

I have been disputing with experian two accounts that are reporting on my credit report negatively and that do not belong to me. They are the only bureau that has not removed this information and refuses to let me dispute it anymore. Also, they have multiple wrong addresses on my reports that they will not correct. The latest completed disputes were XX/XX/2019 and XX/XX/2019 with no changes.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

My compliant is against all 3 Credit bureaus, Experian, XXXX   and XXXX. They are all reporting 4 accounts that had fraud charges. The accounts are the following : XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance : {$0.00}, XXXX XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance : {$0.00} XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance {$0.00}. XXXX XXXX Account : XXXX date open : XX/XX/XXXX, balance {$0.00}. All of these accounts were victim of fraud charges therefore they incur to late payments. Send the required notice to all businesses that supplied this information. The FACRA requires you to block the fraudulent information from my credit report resulting from FRADULENT CHARGES within 4 business days and to promptly notify the business that sent you that information. I already tried contacting the companies individually but had no positive answer. I have enclosed a copy of my Identity Theft Report, please send me a letter after you have Removed this information from my credit report and sent notice to the businesses involved.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My compliant is against all 3 Credit bureaus, XXXX, Transunion and XXXX. They are all reporting 4 accounts that had fraud charges. The accounts are the following : XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance : {$0.00}, XXXX XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance : {$0.00} XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance {$0.00}. XXXX XXXX/XXXX Account : XXXX date open : XX/XX/XXXX, balance {$0.00}. All of these accounts were victim of fraud charges therefore they incur to late payments. Send the required notice to all businesses that supplied this information. The FACRA requires you to block the fraudulent information from my credit report resulting from FRADULENT CHARGES within 4 business days and to promptly notify the business that sent you that information. I already tried contacting the companies individually but had no positive answer. I have enclosed a copy of my Identity Theft Report, please send me a letter after you have Removed this information from my credit report and sent notice to the businesses involved.
Consumer complaint received 2019-02-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Webcollex, LLC (GA)

I have never signed a contract or entered into a legal agreement with your company or firm. No information has been sent to me and nothing has been proven that neither the information you many have or the debt belongs to XXXX XXXX. Your company has engaged in collection activity prior to validating a debt and has not submitted any documentation to support your claim. This is to serve as your legal notice under federal law ( The Fair Debt Collection Practices Act ) to cease all communication with me in reference to the account above. I do not have an account with your company nor have I ever has an account with any company you claim to represent. Remove this account upon receipt or I will file suite against officers of your company and your company within 5 days.
Consumer complaint received 2023-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

I am writing to formally complain about an ongoing issue I am facing with Credit Collections Service, a collections agency, and XXXX and XXXX, two of the major credit reporting agencies. I have been diligently trying to resolve this matter, but have encountered significant difficulties, and I hope the Consumer Financial Protection Bureau can assist in resolving this issue. 

On XX/XX/2023, I made a payment directly to XXXX ( instead of the collections agency ) for an outstanding balance, as confirmed by my bank statement and receipt. This payment was intended to settle the debt in question with the company itself, not the collection agency. I have retained all relevant payment records as proof of this transaction. XXXX  assured me this would be removed from hands, and it has not. 

Despite making this payment and having the necessary documentation, I was shocked to discover that XXXX XXXX continues to report this debt on my XXXX credit report. This has adversely affected my credit score and financial standing, making it difficult for me to access financial products and services. 

I want to emphasize that I have taken the necessary steps to dispute this inaccurate information with XXXX and XXXX. I submitted a dispute through the XXXX and XXXX website, attaching all relevant documents, including proof of payment and a letter explaining the situation. However, I have not received any resolution or acknowledgment of my dispute from XXXX and XXXX, they both keep verifying the debt. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter and intervenes on my behalf to ensure the accurate reporting of my credit information. I believe that the continued reporting of this debt is in direct violation of my consumer rights under the Fair Credit Reporting Act. 

I appreciate your prompt attention to this matter and your assistance in resolving this dispute.
Consumer complaint received 2018-07-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CT)

Sadly my complaint has expanded fifteen years and every time I apply for refinancing and am denied I get to relive the humiliation resulting from the bullying practices of XXXX XXXX XXXX/American Home Mortgage. 
XX/XX/XXXX : " I am pleased to advise you that your request for a loan modification has been approved ... '' Really? After bullying us into a modification with threats of losing our home it took 3 months of not allowing us to pay on our mortgage you approve us for 11.25 % and a higher monthly payment! When I phoned to express my grave concerns, '' Mam, you really don't have any other options ... '' XXXX : Again, due to financial hardship we were left with no other option but to modify again at an outrageous rate. Again, getting nowhere with the company I reached out to the Attorney General. 
XX/XX/XXXX- sent a letter to XXXX XXXX-CT Attorney General- he responded to no avail. Got the run around and told mortgage companies were allowed charge those interest rates ... etc ... .but does that make it right? They threaten to take away your home unless you modify! That is bullying!!!! 
XXXX Sent another letter of disgust hoping for some retribution-no luck with the organizations referred to. 
XXXX Sent a letter to XXXX-CT Attorney General and was referred to Making Homes Affordable program but we did not qualify. 
XXXX Trying to refinance only to yet again be told we don't qualify and that we have been paying thousands of dollars per month to barely move forward on our loan amount that is {$100000.00} more than we paid for it in XXXX!!!!!! We work hard to provide for our family, we have never asked for a handout yet mortgage companies are allowed to take advantage and the consumer literally has not protection against these bullies. 
Thank you for taking the time to hear my complaint and I'm not anticipating any outcome in my favor but I feel if I don't continue to express my disgust with the whole process then I remain the victim.
Consumer complaint received 2023-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TO WHOM THIS MAY CONCERN, my name is XXXX XXXX XXXX, and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without my consent. I am requesting that the following information be removed from my reports immediately. The accounts I request to be removed are listed in this file and my statement below. 
Accounts to be removed : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-27
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 ()

Good day, I'm having problem with my paypal account saying : You can no longer do business with Paypal. 

This was happened XX/XX/2023 the amount was on hold on my account is XXXX USD. 

While i'm busy on my business i received the email from the company that i'm no longer do business and any services from them. I'm using this paypal to accept the payments from my customers. 

My business was stop since this is happened. 

Please help me resolve this problem.
Consumer complaint received 2023-01-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MA)

this is the Second time that I received a 1099-A for the illegal foreclosure sale on my home this second sale in 2021 auction, that JP Morgan Chase Bank , NA sent me see attached and at the Top it states that a copy of this illegal sale was furnished to the IRS. I just received from the IRS proof that Chase did NOT give the IRS a copy of this sale. I am asking the CFPB to have Chase rescind this illegal foreclosure sale. See attached the IRS transcript and the 1099-A stating at the top that a copy was furnished to the IRS when in fact it was NOT.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

Experian continues to report accounts that are the result of identity theft, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX These accounts were previously reporting on XXXX as well as XXXX however after providing both XXXX and XXXX documentation supporting the fact that these were opened due to Identity Theft these items have been removed and blocked from my credit report. I have informed Experian of this as well as the creditors, but all parties remain negligently non compliant. This is my 3rd time submitted a complaint with the cfpb to get experian to resolve this issue, however they continue to tell me the items will not be removed or blocked due to the items not meeting the criteria even though they are the result of identity theft. I have tried multiple times to explain this to them and they continue to force me to suffer through their automated dispute process and send generic responses or allow the creditors reporting this information to continue doing as well allowing them to update the account with snarky comments stating " Completed investigation of FCRA dispute - consumer disagrees '' when in fact they are not even investigating this and the only proof Ive been supplied by either company is a signature that does not look even remotely close to mine. Thier processes are automated and do not do their due diligence in investigating these matters. 

XXXX provided me this confirmation number for the removal and blocking of these accounts and I believe Experian should check with them to ensure they're following the same process*** The confirmation number for the removal of these accounts was XXXX
Consumer complaint received 2020-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

hi american express charged me money i did nat owe them, on XX/XX/XXXX i paid a bill then on XX/XX/XXXX i called them to pay the full amount then after they charged me XXXX dollars after i paid the full amount after XX/XX/XXXX with no proof of that new charge it was XXXX dollars on XX/XX/XXXX bill and the rest was intrest i just paid the amount on XX/XX/XXXX because they didint want to help me and they hang up charged me with out trying to confirm the closing of the account
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (TX)

For over the past many years. I Have been going by the book on hoe to go about ID-Theft/Data Breach, I am Now to a point where something needs to give, because now my XXXX XXXX XXXX daughter name is now coming to me in the mail ( NOT FAIR ), the first of the data breach letters. I want instant justification. I been looking sue Someone /Companies, I have done IDtheft.gov., I have made police reports. I am even willing to go in as my own lawyer as I do understand what is at hand here. I AM Unable to get anywhere or ahead or even get my business going due to all this credit report and false Information. It has now been 10 years dealing with this matter and on ways on how to come up in life.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am getting started on the home buying process. I have worked extremely hard getting my credit scores where they need to be. This week my Transunion credit score dropped close to XXXX points, putting me in the XXXX. They have told me the only change was a credit card purchase of less than {$100.00}. My XXXX, XXXX, and XXXX scores continue to increase. This drop has ruined my home buying process with no reasoning or offer to help find the issue. Transunion has been no help at all in finding a discrepancy.
Consumer complaint received 2022-12-29
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. (CO)

XXXX XXXX I sent a letter to Experian regarding 4 accounts they are reporting the payment status inaccurately.

Not Only did they NOT correct them but two other accounts not listed in the original investigation, they changed the payment status to a negative status with NO reason.

All SIX of these accounts are reporting a payment status that is reporting derogatory. a payment status is supposed to show the CURRENT payment status. 5 of these accounts are student loan accounts which should not be reporting any negative derogatory due to the covid 19 federal loan deferment. NOT TO MENTION THEY HAVEN'T BEEN LATE. the payment status should show PAID AS AGREED.

The Division of Child Support is also showing a payment status that is not accurate it needs to report the CURRENT payment status.

Ive included my original letter as well as all SIX of the accounts credit reports with their inaccurate information highlighted.

This is not only FCRA violation, but it is FEDERAL LAW TO NOT REPORT STUDENT LOANS DEROGATORY WHILE IN DEFERMENT.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

I have reached out by letter and phone to Experian to update personal information, and so far they have not complied, the address they have listed are old and out dated, and I fair my identity has been compromised because of it.