davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Business & Professional Collection Service Inc (NV)

These debts are noncollectable, they advised me they are beyond statute of limitations. These accounts with B & P are noncollectable according to them. They have ceased all collection activity but still call.     Collection activity includes reporting the bureaus. Since this is no longer collectible or active, this account must be removed. All collection activity must cease including reporting to the bureaus. If not I am entitled under the law to {$1000.00} per violation.     The accounts in reference a re B &  P collections  XXXX   XXXX   B & P c ollections  XXXX   XXXX    XXXX    ( 2 a ccounts )  B & P  collections   XXXX   XXXX   XXXX   Since these are  medical collections  as well I am reminding you of the HIPPA laws. It is a violation to report which doctor ive seen.   The Standards for Privacy of Individually Identifiable Health Information ( Privacy Rule ) establishes, for the first time, a set of national standards for the protection of certain health information. T he U.S . Departmen t o  f Health and Human Services ( HHS ) is sued the Privacy Rule to implement the requirement of the Health Insurance Portability and Accountability Act of  1996 ( HIPAA ) .1  The Privacy Rule standards address the use and disclosure of individuals health informationcalled protected health information by organizations subject to the Privacy Rule called covered entities, as well as standards for individuals ' privacy rights to understand and control how their health information is used. Withi n HHS, the Office for Civil Rights  ( OCR ) has responsibility for implementing and enforcing the Privacy Rule with respect to voluntary compliance activities and civil money penalties.  <P/> A major goal of th e Privacy Rule is  to assure that individuals health information is properly protected while allowing the flow of health information needed to provide and promote high quality health care and to protect the public 's health and well being. The  Rule  strikes a balance that permits important uses of information, while protecting the privacy of people who seek care and healing. Given that the health care marketplace is diverse, the  Rule  is designed to be flexible and comprehensive to cover the variety of uses and disclosures that need to be addressed.  <P/> This is a summary of key elements of the  Privacy Rule  and not a complete or comprehensive guide to compliance. Entities regulated by the Rule are obligated to comply with all of its applicable requirements and should not rely on this summary as a source of legal information or advice. To make it easier for entities to review the complete requirements of the  Rule , provisions of the Rule referenced in this summary are cited in the end notes. Visit our  Privacy Rule se ction to view the entire Rule, and for other additional helpful information about how th e Rule app lies. In the event of a conflict between this summary and t he Rule, the Rule go verns.
Consumer complaint received 2018-03-22
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. (CA)

Dear Transunion LLC, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX XXXX (XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Accounts : XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$500.00} XXXX  XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX  XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-10-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CT)

After much solicitation from PennyMac, I decided to initiate a refinance on my home, which they were currently servicing the mortgage for. The initial individual that I worked with was XXXX XXXX, she was wonderful ; polite, engaged, great phone etiquette, great follow up, and simply made me feel like this is a company I want to be in business with. As soon as she handed me off to XXXX XXXX, the issues started. Perhaps to no fault of his own, but his lack of follow up made the situation 10 times worse. I was the one that had to call over and over and over to get an update, I would leave messages and send emails and not even a courtesy email back. All my paper work was submitted in order, my appraisal came back even higher that what we needed, my credit was where it needed to be, my reserve funds were where they needed to be, everything was in perfect order to close my loan. They denied me because I had some mail going to my mothers house, which is not wrong in any way shape or form. They never asked for a letter of explanation, they never asked for a copy of my license, never put a call to me. If I did not call over and over, no one would have even told me. I asked for a manager and was lied to about it being escalated to someone who was not even there for days. I offered to provide my birth certificate and proof my parents owned the house, I sent the letter they never asked for, I sent the copy of my license they never asked for. To this day no one in management has called me back. The items I provided should have been requested from me, I work in the same industry and know that my file has been mishandled and as a client I have not been given the service I deserve.
Consumer complaint received 2015-10-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I found inaccurate information on my credit report and set my disputes in to all XXXX major credit bureaus. With my letter I included my ID, SSN and proof of address. The date of the bill was for XX/XX/XXXX. My dispute was dated for XX/XX/XXXX ; I had not received my bill for XX/XX/XXXX yet. In the response that was received by TransUnion, it states that my bill is unacceptable. In the list of what pieces to send TransUnion, it states : ID, SSN and proof of address. That is exactly what I had sent. It is my belief that this is only a stall tactic, which is a violation of my right to dispute inaccurate account pursuant to the FCRA. The bureaus are known for this and although it may work with someone else, I know what I am doing and will not allow for this to happen. I am uploading all of the documents that I originally sent to them and will include this complaint with my letter I am sending to TransUnion tomorrow. I expect for TransUnion to process my disputes according to my rights afforded to me under the FCRA.
Consumer complaint received 2022-07-20
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2017-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I live in California, where XXXX and Paid Family Leave is contracted through Bank of America. We receive a debit card that can be set up to receive the payments and directly deposit them into our personal bank accounts. The State of California deposited my final 2 payments onto my Bank of America debit card, but only one of the payments was deposited into my bank account. When I called Bank of America ( XX/XX/17 ) to clarify why they had n't deposited the other {$3200.00} into my bank account, I was told by a representative that I had exceeded the amount that can be transferred in a 7 day period. I then asked if there was anything I needed to do in order to move the remaining balance over and was told that the remainder would automatically be moved over in 7 days. I clarified that there was NOTHING that I needed to do in order to move this money over and was told that there was not. After 11 days, the money still had n't been moved over. I called Bank of America ( XX/XX/17 ) and was told by a different representative that the money was still in my Bank of America account and would not be transferred automatically- rather, it had to be done manually. I asked for clarification and was told that the system does not check for remaining balances that need to be moved over- it only triggers the system to move it over when it is deposited into the account. The only reason I knew that there was a remaining balance is because I was personally keeping track of how much money I was owed through PFL. Otherwise, the money ( over {$3000.00} ) would remain within Bank of America rather than being transferred to my bank account.
<P/>
When I told my husband what happened, he checked his Bank of America account ( he is on PFL for XXXX leave ) and had almost {$2000.00} in his account that similarly had to be transferred manually. He would n't have kn
own to transfer this unless he had called to find out his balance.
Consumer complaint received 2020-09-11
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. (NC)

XXXX  XXXX CLOSED MY ACCOUNT 2 MONTHS AGO. PAID BALANCE IN FULL. 

XXXX XXXX IS NOT ONLY REPORTING A {$140.00} BALANCE TO MY CREDIT REPORT/ 'S BUT IT IS ALSO SHOWING UP ON THE SAME CREDIT REPORT/ 'S THAT I AM NOW 30 DAYS LATE ON MAKING A PAYMENT TO THEM ON A CLOSED ACCOUNT//? ''A CLOSED ACCOUNT '' XXXX  XXXX STATED TO ME THAT IF I DO NOT PAY OFF THE ''INACCURATE BALANCE OF {$140.00} TO THEM. XXXX  XXXX STATED TO ME VIA PHONE THAT WE WILL CONTINUE PINGING YOUR CREDIT IN EXAMPLE ... 30 DAYS LATE..60 DAYS LATE..90 DAYS LATE ETC ... PLEASE HELP ME WITH THIS MATTER. THE ACCOUNT IS CLOSED ... I PAYED IT IN FULL ... I WISH TO NO LONGER DO BUSINESS WITH XXXX  XXXX ... I NEED THIS COMPANY TO STOP! THEY ARE DESTROYING MY CREDIT AS I DO NOT HAVE A MONEY TREE TO SHELL OUT CASH TO THIS COMPANY IN ORDER TO STOP THEIR UNLAWFUL REPORTING TO THE CREDIT AGENCIES IN TERMS OF THE WRONG AMOUNT I DO NOT OWE THEM AND THAT THEY WILL CONTINUE AS IF IT'S A REVOLVING ACOUNT//?? THE ACCOUNT IS CLOSED//THAT WOULD BE A COLLECTION AND OR DEBT OF SUCH A BALANCE NOT A REOCCURRING 30 DAYS..60 DAYS..LATE ETC ... ' '' 'PLEASE HELP '' 'TECHNICALLY THAT IM PRETTY SURE IS EXTORTION WHILE NOT ONLY BEING UNETHICAL BUT IS UNLAWFUL. 

THANK YOU
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

I filed for chapter  XXXX  bankruptcy on  XXXX   XXXX  o f 2017. I filed jointly with my spouse. The bankruptcy was discharged o n  XXXX   XXXX  of  2017 . The bankruptcy is still not showing on my credit report with any of the  XXXX  bureaus. It does n't even show that I filed at all. It is already showing on my husbands that it was discharged. I contacted  XXXX , Experian, and   XXXX   on  XXXX   XXXX  to see why it still have n't reported it. They all tell me, it 's nothing they can do because that are just a monitoring agency. They have n't given me any resources or any other response besides there is nothing they can do since it 's not reporting. I called again on  XXXX   XXXX  once it was  discharged  and was told the same thing. I know the bureaus received the notice because again, they are reporting the accurate information on my credit file. I was told there was no reason to send the documents, because they ca n't correct my credit file because they only do " credit monitoring ''.
Consumer complaint received 2017-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Skagit Bonded Collectors, LLC (WA)

I was given an exact amount for medical service that was quoted over the phone. Prior to the appointment with the doctor I paid for entire visit. After the visit they tried to charge extra without any explanation. There were no tests or special treatment during the visit. When I talked to the accounts receivable department the lady agreed that I should not have been charged. When I called after they filed delinquent payments, another lady said she puts everything into collections and I was too late in calling her. I do not owe this unjust and made up charge.
Consumer complaint received 2020-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over four months I have not received a response yet or an update to my credit report. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SVB FINANCIAL GROUP (CA)

SVB XXXX offers a 3 % money market account on their website : https : //www.svb.com/startup-banking-edge/ # I have tried several times to contact the bank, via email and telephone. 
SVB XXXX has replied indicating " Unfortunately, we would not be able to extend our banking services ... '' This is deceptive advertising. SVB XXXX is conducting a fraudulent advertising campaign that is illegal and should be stopped from conducting those practices. 

I hereby submit my formal complaint against SVB XXXX for falsely advertising returns that are non-existent from my knowledge and wish to bring this to the CFPB office for review and determination of penalty ( s ). 

Electronically Signed, XXXX XXXX XXXX
Consumer complaint received 2019-10-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Clear Start Today (NJ)

On XX/XX/2019, I spoke with XXXX from Clear Start Today - XXXX x XXXX. She explained that the best program to consolidate my loans would be to pay {$240.00} x 4 months to lower my monthly payments for {$140.00} / month for 240 months and for one interest rate. I thought this money would go towards my student loan payments not a fee to consolidate my loans. I gave my XXXX card over the phone to make the first payment and then set up monthly payments going forward for the XXXX of each month- 3 payments have been processed. I e-signed a document for the client agreement on XX/XX/XXXX and proof of income was sent on XX/XX/2019. On XXXX XXXX, I got an email about an FSA ID that was created. On XX/XX/2019 I received an email and phone call on the XXXX stating my payment was declined and confirmed payment over the phone again using my XXXX card for the third payment. I was told this program was specific for my federal loans however I was notified by my loan provider that starting XX/XX/2019 my private loans were put into forbearance and that my auto deposit from my bank account was stopped however I never authorized this information.
Consumer complaint received 2019-02-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (GA)

Payments to loan are not being properly applied to interest and principal. There will be months were {$0.00} are applied to principal and after an entire year of payments the over all principal only went down {$200.00}. When I contacted the lender about ways reduce the interest the only offered a 0.25 % reduction for auto debits which I signed up for. The next month, the payment remained unchanged as the variable interest on the loan increased again to around 8.5 % I make regular payments to this loan and I just want to find a way to get out from underneath it quicker.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (FL)

I have sent numberous request for my credit reports, from all three bureaus, XXXX EQUIFAX, AND XXXX, and have received no reports. I have disputed items on my credit reports to all three bureaus and i have not received any reports, I have provided them with copies of my drivers license, and social security card and I have not gotten a response.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

In XXXX I contacted this company and the representative in my state of Massachusetts, they told me that this account was closed and that they did not have this account in their records, I have called them and they say that the account does not appear. I am looking in my report that since XX/XX/XXXX they have not updated the information in my credit report and this account appears as an open account and this account was closed. 

It says that it has 7 late payments, but they have not updated the status since XX/XX/XXXX, which is false and affects my credit reputation. Since if what they say is true, there must have been more than 30 late payments. This account has false and inaccurate information because it also has an amount that does not correspond to it and the other Bureaus have only two late payments!! 

XXXX XXXX XXXX XXXX Highest balance {$1700.00} This account does not even have the balance with which it was opened, it has a lot of incorrect information.