davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

On XX/XX/2021 I sent a letter regarding multiple attempts to dispute inaccuracies being furnished on my credit report by XXXX XXXX. I asked that Experian verify the accuracy of the disputed account because all they keep doing is saying that " the account was verified without providing actual proof of said documentation to prove otherwise. '' I asked that they, Experian, provide me with a copy of the verifiable proof that they have on file within 30 days and if they don't then they have to delete it per the FCRA 15 U.S.C. 1681i.

They never sent me anything and stated that the account was verified and accurate under the dispute on my report.
Consumer complaint received 2021-11-03
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: Bread Financial Holdings, Inc. (NV)

According to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give any consumer reporting agency permissible purpose or written instruction to furnish any reports on my behalf. The fact that CB/VICSCRT is reporting to my consumer report is a violation of 15 USC 1681 ( a ) ( 2 ).
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Yes I contacted capital one about getting few payments deferred. Would nit work with me during corona viruses. I'm also on XXXX too. Plus have XXXX too. Going thru hardship. Need help.
Consumer complaint received 2024-02-20
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. (MS)

XXXX, EQUIFAX, and XXXX are in violation of my consumer rights by reporting several charge offs that are over the amount of {$600.00}. These debts are now lawfully classified as Certificates of Indebtedness which makes this income to me. Income is to not be reported and is a violation of my privacy pursuant to the Privacy ACT of 1974. 

In its broadest sense, a 1099-C is an information tax return that banks, credit unions and other commercial lenders must provide debtors after an identifiable event causes the creditor to have to discharge an indebtedness of at least {$600.00}. The identifiable events that require a creditor to issue a 1099-C include any discharge, cancellation or extinguishment of a debt that occurs by reason of ( A ) bankruptcy ; ( B ) receivership, foreclosure, or similar proceeding ; ( C ) the expiration of the statute of limitations for collection of the debt ; ( D ) the election of foreclosure remedies by a creditor ; ( E ) pursuant to a probate or similar proceeding ; ( F ) a settlement for less than the full amount owed; or ( G ) the application of a defined policy of the creditor, to discontinue collection activity and discharge debt. See Tres. Reg. 1.6050P-1 ( b ) ( 2 ) ( i ).

Lenders that charge off a debt trigger issuance of the 1099-C when their defined policy leads the lender to discontinue collection activity and discharge a debt. A lenders defined policy includes both written policies and established business practices. See Tres. Reg. 1.6050P-1 ( b ) ( 2 ) ( iii ). An example of an established business practice includes discontinuing collection activity and abandoning debts upon expiration of a particular non-payment period. Id. 

They are unlawfully reporting the following accounts : XXXX XXXX- {$1500.00} - XXXX XXXX - {$6200.00} -XXXX XXXX XXXX- {$3400.00} All of these amounts are clearly over {$600.00}. 

Pursuant to the laws outlined in the FCRA XXXX, EQUIFAX, and XXXX are supposed to validate and verify that all information is 100 % correct before reporting any information on my consumer report.
Consumer complaint received 2020-12-08
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. (TN)

Received a call from an Experian Representative on XX/XX/2020, stating that although they obtain third party information they do not actually verify whether or not that information is correct prior to it being put on consumers credit reports. The representative stated to me that they do not know how XXXX verifies their information. So, why is information obtained from third party vendors allowed to be put on consumers credit reports without proper verification? Which lets me know that they never actually verified the bankruptcy that I am disputing prior to me opening a dispute about. The only way that I know they verified the bankruptcy afterwards was because the representative called the court while I was on the phone. Experian failed to do their due diligence initially in making sure that this public record was mine. The source who they say they verify through ( XXXX XXXX has deleted this information from their records, so should Experian. Otherwise the information that they send to consumers IS A LIE. They do not verify and information with XXXX, they just put it on your credit report whether or not its is valid, which is a violation of the FCRA. 

This company violated my rights as a consumer by calling the courts to verify my bankruptcy. THIS IS AN ILLEGAL ACTION. Since the credit bureaus are not public entities they are not allowed to call the credit bureaus to obtain that sort of information. The credit reporting agencies are not allowed to check XX/XX/XXXX or contact the courts to verify bankruptcies. Therefore, Experian has committed an illegal act and I am considering litigation for violation of my rights as a consumer. 

Your method of verification for the above mentioned bankruptcy can not be verified, since XXXX was unable to verify it and subsequently deleted it. I demand that this public record be removed from my credit file IMMEDIATELY or there will be further legal action taken. 

I have proof that they have removed other consumers bankruptcy after having XXXX remove the bankruptcy from their system and I have proof to show it and I will be using it in my litigation proceedings against Experian for their illegal activities if they do no remove this bankruptcy immediately.
Consumer complaint received 2016-07-04
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PLATINUM HOME MORTGAGE CORPORATION (MO)

1. Loan is still not closed after 7 months. 
2. Operations Manager made several attempts to make our insurance company insure for the full amount of the loan and not just the dwelling as allowed by law. 
3. Calls and emails being sent to us after XXXX requesting that we need to sign the paperwork immediately. 
4. XXXX closing dates have been set up and we are still not closed. 
5.Repeated attempts to get us to sign documents indicating a 10 % interest rate instead of 4.5 %. 
6. Verbal statements as follows : " Just sign the paperwork. I swear XXXX that we will change it back to 4.5 %. 
7. Numerous delays due to their own negligence and errors.
Consumer complaint received 2023-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (MD)

Navient calls every morning at around XXXX XXXXXXXX. With the previous calls I have requested that they send me everything in writing on. I believe Thursday, XX/XX/XXXX I returned a call with them and requested that they adhere to my request for them to provide everything in mail. On Saturday, XX/XX/XXXX I received a call from Navient ignoring my request. I requested a supervisor, but was told no supervisor was available until Monday
Consumer complaint received 2021-11-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

On XXXX of 2020, I reached out to XXXX regarding my credit card ending in XXXX & made a payment over the phone. At the time my account was a few days past due ( but less than 30 days ) so I incurred a late fee, which they were nice enough waive. I inquired if they offered a hardship program, they offered a 3 month deferred plan which I accepted. A few weeks later, I got an alert from a credit monitoring service ( XXXX ) notifying me of a late payment reported on XXXX of 2020 by XXXX. I called them immediately and disputed the late payment, they told me it was a mistake & it would be removed. Till this day when I call they agree to the situation but can not send me a letter to the removal of the late payment. I was enrolled in a hardship program with them that was 3 months long. All these conversations were on a recorded line. I don't understand why all the trouble. My credit since then has dropped and it has been difficult to obtain a mortgage. Pleae help me remove this late payment. Other than this I have exceptionable payment history and would like it to reflect as much. 
Thanks XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-20
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: EQUIFAX, INC. (TX)

Billing errors were on my report. I was never late on any of my accounts. You can not report inaccurate information this a violation FDCPA false misreporting please update account to current and paid as agreed on time. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. This is foXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX of 2020, I reached out to XXXX regarding my credit card ending in XXXX & made a payment over the phone. At the time my account was a few days past due ( but less than 30 days ) so I incurred a late fee, which they were nice enough waive. I inquired if they offered a hardship program, they offered a 3 month deferred plan which I accepted. A few weeks later, I got an alert from a credit monitoring service ( Transunion ) notifying me of a late payment reported on XXXX of 2020 by XXXX. I called them immediately and disputed the late payment, they told me it was a mistake & it would be removed. Till this day when I call they agree to the situation but can not send me a letter to the removal of the late payment. I was enrolled in a hardship program with them that was 3 months long. All these conversations were on a recorded line. I don't understand why all the trouble. My credit since then has dropped and it has been difficult to obtain a mortgage. Pleae help me remove this late payment. Other than this I have exceptionable payment history and would like it to reflect as much. 
Thanks XXXX XXXX
Consumer complaint received 2024-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

Get those unauthorized accounts off my credit report now! Other bureaus fixed it, so can you. Stop messing with my credit delete those accounts immediately, or face legal action. I won't tolerate your delay in fixing this act now! XXXX XXXX Opened Date XX/XX/2013 XXXX {$0.00}. Please DELETE.
Consumer complaint received 2023-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

I C systems is attempting to collect on a medical debt they erroneously acquired by XXXX XXXX XXXX XXXX NC, LLC but has refused to provide me with any documentation or proof of service. Before it was erroneously sent to collections, a false claim was generated for services which did not take place. The erroneous claim was also sent to my primary insurer, who partially paid for services that were not rendered and were submitted fraudulently. XXXX XXXX was attempting to bill for services that did not take place, successfully billed my primary insurance anyway, and then sold a fraudulent debt to IC Systems. There was no service and therefor no bill could have been generated without committing insurance fraud. This has been an ongoing problem with surprise billing, balance billing and insurance fraud in North Carolina, specifically with XXXX XXXX XXXX XXXX NC, LLC when they provide services through XXXX XXXX facilities. Additionally, XXXX XXXX XXXX, LLC did not contact me before selling this to collections, so I had no opportunity to correct the situation at the time of error on their part. I have requested itemized statements from both IC Systems and XXXX XXXX XXXX XXXX and they have refused to provide them unless I mail a letter requesting it. I have sent two letter to the address provided and both have been returned to sender as undeliverable.
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (OH)

I have been trying unsuccessfully for over a week to obtain the payoff amount for my mortgage I have with planet home lending to no avail. I have submitted proper request and called them today to be treated rudely and talked down to. I have never missed or been late on any payments. Was told my information was inaccurate only to be reviewed by a supervisor and he seemed it was correct still no assistance.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have repeatedly informed you about inaccuracies on my credit report, yet I continue to be ignored by both you and the credit reporting agencies. This ongoing disregard is causing me unnecessary stress. I will be forwarding a copy of this to the Consumer Financial Protection Bureau ( CFPB ) XXXX and consulting an XXXX about my XXXX options as well.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Equifax is obligated by the FCRA to report accurate accounting, consumer has advised that the closed XXXX XXXX Account # XXXX had XXXX  days according to Law to remove this derogatory item. This Consumer is now requesting EQUIFAX to provide the documentation used to determine that account was validated by the creditor, EQUIFAX has XXXX  days to provide me with the name of the person spoken to, documentation used, signed application with consumer XXXX XXXX signature. The Consumer is not asking for an XXXX report if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the XXXX to follow certain rules. EQUIFAX XXXX file number. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX I will be filing form XXXX XXXX XXXX forms to audit consumers account. Equifax is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (KY)

In XXXX of XXXX, I got a new USBank Kroger card. The first day I used it once and then when I tried to use it a second time, the fraud department called and put me on hold for more than 45 minutes. By the time they answered, I was driving and unable to receive a text message, so they reported the card as being used fraudulently. They did not tell me this, and I spent more than 6 hours on the phone over the next several days trying to resolve the issue. I was billed for the first charge, so they clearly know it wasnt fraud, but they still shut down my card. I was very inconvenienced, my credit was affected, I wasted many hours, and I was treated very poorly by the staff.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

On Thursday, XX/XX/2023, I deposited a check from my employer in the amount of {$910.00} via Chime 's mobile app. I've done this many times previously, and have never had an issue with getting access to my funds. 

However, the app estimated that Chime wouldn't release the funds until Thursday, XX/XX/2023. After spending over two hours on the phone with CSRs who could barely speak and understand XXXX ( having XXXX is fine, except in matters of understanding your customers ), I was told that I could transfer my money to a questionable check cashing app, or transfer it to another financial institution. Should I take the second option, I was told that I could expect a " chargeback '' from Chime for the full amount. 

My issue is that none of the CSRs or the supervisors I spoke to would make any amount of the funds available, despite having the abilty to do so. When one of them confirmed that the check was still processing, I asked to cancel the deposit. Upon my asking, this supervisor suddenly saw that the check had been accepted, and the deposit couldn't be canceled. Despite this change in the check 's status, she couldn't give me a date on which I could expect to receive my money. 

To be clear, Chime has previously processed checks from this issuer on my behalf in the past without a problem,, so I don't understand the issue now. I also don't understand why I was given evasive answers. 

I shouldn't have to wait days to access what is rightfully mine, and certainly not without an adequate explanation as to why I have to wait at all. I don't know what to make of the questionable and possibly illegal suggestions one supervisor gave me.
Consumer complaint received 2024-02-20
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. (FL)

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 XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  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 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (LA)

I have reached out to BMW Financial services multiple times to explain that they are reporting late payments incorrectly on my report. Even though I have requested information on the dates that I paid versus the dates that they received payment, they continue to inconsistently report the late payments across the 3 bureaus.
Consumer complaint received 2021-10-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: California Business Bureau, Inc. (CA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Continued reporting of this account is a violation of the HIPPA Privacy Rule. The XXXX XXXX XXXX has no business purpose to continue reporting my private health information. I tried contacting the XXXX XXXX XXXX to provide proof of their HIPPA clearance, the name of the bureau 's registered agent, and license information. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Please remove this immediately.
Consumer complaint received 2020-11-20
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: CITIBANK, N.A. (TX)

On MXX/XX/2019, XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On MXX/XX/2019, XXXX add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2019, MACYS/DSNB add a hard inquiriy on my credit report per XXXX.