davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
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)

Subject : Comprehensive Grievance Regarding XXXX XXXX 's Misreporting and Failure to Provide Required Documentation Dear CFPB, I am writing to file a comprehensive grievance against XXXX XXXX concerning multiple issues related to the reporting of my account and their failure to provide required documentation. Despite repeated attempts to resolve these matters directly with XXXX XXXX as well as XXXX, Experian, XXXX and the credit bureaus, I have encountered significant obstacles in rectifying the following issues : 1. Incorrect Reporting of Last Payment Date : Despite providing evidence of the accurate last payment date, XXXX XXXX and the credit bureau continues to report an incorrect date, resulting in adverse effects on my credit profile. 

2. Misreporting of Charged-off Status as Bad Debt : XXXX XXXX has inaccurately marked the account as charged off as bad debt without providing me with a proper profit and loss write-off statement. This misreporting has further exacerbated the negative impact on my creditworthiness. 

XXXX. Failure to Provide Form 1099-C for Forgiven Debt : Despite the forgiveness or cancellation of a significant amount of debt, I have not received a Form 1099-C from XXXX XXXX as required by law. This omission has left me uncertain about the tax implications of the forgiven debt and has hindered my ability to fulfill my tax obligations accurately. 

These issues collectively demonstrate a pattern of misconduct and negligence on the part of XXXX XXXX, which has caused undue harm and distress to me as a consumer. I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into these matters and take appropriate action to ensure compliance with relevant laws and regulations. 

Thank you for your attention to this matter. I look forward to a swift resolution and the restoration of accuracy and fairness in the reporting of my account. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

My vehicle loan account is being reported inaccurate by all 3 credit bureaus. The information is different across all 3 credit bureaus. I asked for this to be investigated and corrected but have not gotten any results or proof of an investigation.
Consumer complaint received 2024-05-22
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC. (MI)

I was told to go on this site by a Midland Credit Management authoritative, someone used my information to purchase things in my name at a store called XXXX now there saying I owe a huge payment that I absolutely didn't make They're saying I owe XXXX on XX/XX/2016
Consumer complaint received 2024-05-23
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. (NJ)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-05-22
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-23
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. (KY)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but XXXX account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-06-26
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (OH)

NEW YORK HIGHER EDUCATION SERVICE XXXX : Notice for # XXXX Proof of Claim Account : XXXX XXXX # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. 
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of  other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection 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 BETWEEN XXXX XXXX # XXXX and NEW YORK HIGHER EDUCATION SERVICE
Consumer complaint received 2023-03-26
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. (NC)

I have previously disputed these claims in which they were removed from my credit report. 
Complaint XXXX removed XX/XX/2022 XXXX removed XX/XX/2022 XXXX removed XX/XX/2022 These accounts are back on my credit file and the credit reporting companies are refusing to delete them back off. They are misusing my credit and ruining my credit reputation. In accordance with the fair credit reporting act have violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I deposited {$1700.00} in cash at ATM machine from Bank of America. The machine took the money and started counting and all of the sudden stopped the screen when Black in the machine completely stopped there was no noise and no action on the screen. I never had this happened before, I waited after a minute or two I dont know how long the screen started to show some letters and names like labels of the company think like that. Eventually, the machine started making noise again like it was processing something. The screen came on the Bank of America screen, and it gave me my debit card back, I was able to log out and I went back in to see if the transaction went through to my amazement there was no money in the account except for a - {$20.00} balanced. I tried to talk to the bankers inside the office and nobody opened. Eventually employee came out that was leaving for work and I explained the situation he looked at the machine, but he said he couldnt do anything because it was a temporary assignment. This happen on XX/XX/XXXX between XXXX and XXXXXXXX XXXX. This happened at XXXX XXXX XXXX XXXX, XXXX. Boa Claim # XXXX.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. So please have these accounts UPDATED : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-05-28
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

My username and password did not work and the phone number in Experian 's system is outdated so it couldn't be used as an alternative means access. I sent them all of the information that their website said was needed to resolve this and 3 months later, have not heard from them.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING COLLECTIONS XXXX XXXX XXXX, XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form XXXX from CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THIS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT XXXX AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE XXXX BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2024-05-23
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. (CT)

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2024-05-23
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. (NC)

Previously I established an investigation of some accounts with erroneous information and after reviewing your response I perceived that some accounts are still incorrect, with a verified status. Please repair the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I look forward to receiving an updated copy of my credit report reflecting the correct information. I would appreciate it if you would take action on this matter as soon as possible. Thank you in advance.
Consumer complaint received 2024-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: VYSTAR CREDIT UNION (NC)

I have lived in XXXX for over a year now ( XX/XX/XXXX ) and have applied for a mortgage thru XXXX XXXX XXXXXXXX and when they pulled my credit report, my name still shows on the mortgage note on my former house in XXXX and Vystar Credit Union holds the note. 
I was divorced per the attached marital settlement agreement - dated XX/XX/XXXX and completed the Quit Claim Deed recorded on XX/XX/XXXX. Per the XXXX- it states that " The parties agree to divide 50/50 payment of the mortgages and all other expenses relative to the property until entry of the XXXX. After entry of the XXXX husband shall pay the mortgages and all other expenses relative to the property without contribution from wife. Wife agrees to vacate the premises within thirty ( 30 ) days of entry of the XXXX. '' Our joint savings and checking accounts were closed per the XXXX. Both my ex-husband and I reached out to Vystar Credit Union with the XXXX and Quit Claim Deed and evidence that he has solely been paying the mortgage. And the Bank and I reached out to Vystar as well on a conference call, and Vystar said that in order to get my name removed, that my ex-husband would have to refinance the remaining loan balance ( Approx. XXXX ). Given the credit union 's charter in state of XXXX and their mission statement - " We exist to improve the lives of our members and the places we call home. We offer better banking products and personalized service to help our members reach their financial goals. '' I find this practice by Vystar to be not fair, nor transparent or responsible lending. This practice is deceitful and harmful to not recognize State of XXXX court approved legal documents to remove my name from the note.I also uploaded my lease in XXXX that further shows that I no longer reside in XXXX. I would appreciate any assistance as this is preventing my ability to purchase a townhouse in XXXX as well as causing alot of un-necessary mental and emotional stress on me. Further- I think if you reached out, you would find many others who have also been negatively impacted by their discietful and dishonest lending practices. Thanks.
Consumer complaint received 2024-05-22
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 am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC (TN)

Received a statement on XX/XX/year> that indicated a zero-dollar balance at that time. Looked at the account yesterday online and it showed I need to back pay for the last 2 months. Also, will have another payment coming up end of next week. I do not believe this is a fair billing practice under The Tennessee Consumer Protection Act. I have generously sent in a payment already but would like a review of my account and the recent statements sent. It is unjust to send a statement that shows XXXX dollar minimum due XX/XX/year>. Then look online to see I owe XXXX immediately along with an addition payment next week of XXXX.
Consumer complaint received 2024-05-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: United Shore Financial Services, LLC (AZ)

Hello, I was offered a temporary/trial modification with my current mortgage company on XX/XX/2024. I received a letter in their portal congratulating me.Letting me know all they needed to do was reach out to them and verbally let them know I accepted it, and make a XXXX, XXXX and XXXX payment and there were no other conditions on the letter. Once I made all three payments, I would be put into a permanent modification. 
On XX/XX/2024 I received another letter in the portal asking for additional documentation. I reached out to loss mitigation and was told to ignore the letter from the XXXX. It mustve been sent out by mistake because my trial/modification was already approved on the XXXX. I asked the loss mitigation team member to please reach out to the underwriter and then confirm and call me back, I never heard back from that team member. Assuming everything was fine I sent out the payment in the middle of XXXX and then we started receiving automated phone calls, letting me know to reach out to lost mitigation because other items were needed. every time I would reach out, XXXX times total, I was told the same thing nothing is needed. Then I received a live call on XXXX XXXX letting me know if I did not upload those documents or send them via email. They would cancel my modification and I have until the XXXX to send them out, which is also stated in the letter that I received on XX/XX/XXXX stating it is due on the XXXX but I was told to ignore it multiple times. So I proceeded to email the documents and I have receipts showing they were received on XXXX XXXX and then on XXXX XXXX, I went ahead and upload them into the portal knowing that I had until XX/XX/XXXX for documents to be received. Today I reached out to confirm they had received them and was told sorry we canceled your temporary trial.. They also they also confirmed they received my {$5000.00} check and would not be applying it to the XXXX payment. Instead they would apply it to other fees and past due item. I was clearly excepted for the trial. With no conditions on XXXX XXXX. See attached Sorry, talk text