davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp (TN)

1. In XX/XX/XXXX, I took out Loan Number One for {$23000.00} from Lending Club. 

2. In XX/XX/XXXX, I applied and received approval for Loan Number Two for {$14000.00}. It was my intention to use those funds to payoff Loan Number One because Loan Number Two had a better interest rate and a shorter term. 

3. On XX/XX/XXXX, I received a direct deposit from Lending Club for Loan Number Two in the amount of {$13000.00} which represented the {$14000.00} loan minus a {$840.00} origination fee. 

4. I logged into my Lending Club account to apply the {$13000.00} deposit from Loan Number Two to Loan Number One but the online portal would not accept payment due to what a Lending Club representative later told me was a " glitch in the system. '' 5. On XX/XX/XXXX or XXXX, XXXX I called Lending Club and told the representative the online payment portal would not accept my payment. I asked him if he could tell me the payoff for Loan Number One, and he informed me the payoff was {$14000.00}. I authorized him to withdraw {$14000.00} from my bank account on file with Lending Club to pay off Loan Number One.

6. The Lending Club representative applied the {$14000.00} to Loan Number Two, not Loan Number One as I had authorized. 

7. When I discovered the Lending Club representative 's error a day or XXXXwo later ( after logging into my Lending Club Portal ), I called Lending Club. They researched my call with that representative to verify their representative made a mistake. After doing so and finding their representative made a mistake, they said it would take 5 - 7 business days to get a refund to me. 

8. On XX/XX/XXXX, I received a {$160.00} refund from Lending Club. I should have received a refund for the entire origination fee of {$840.00}. 

9. On XX/XX/XXXX, I contacted Lending Club to inform them that I did not receive a full refund for my {$840.00} origination fee for Loan Number Two. They informed me that I received {$160.00}, and that was my refund. 

10. I believe I am entitled to a refund of my entire origination fee of {$840.00} because their representative made a mistake and took money from my linked account and applied it to the Loan Number Two without my authorization. Therefore, I did not get to use the funds for Loan Number Two for the purpose intended because Lending Club 's representative made a mistake. I should not have to pay an origination fee for their representative 's error of applying the funds to the wrong account and be out {$680.00} ( {$840.00} minus their {$160.00} refund ).
Consumer complaint received 2022-01-12
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: EQUIFAX, INC. (FL)

Over the last 3 years I have Dealing with Equifax regarding fraudulent information on my credit report. My credit report was duplicated, and they add lots of fraudulent information that did not belong to me. After several months fixing the problem of the duplicated report, they completed the process of separating the reports. On my report they pass many incorrect and fraudulent information from the removed report from other person. I have provided evidence of my identity of my address, police reports, etc. etc. more than 20 page of evidence and they refuse to remove the information after being provided with proof. When I call, they say its because of documentation or different excuses each time. They do not response to letter, we must spent 2 hours on the phone to talk to an agent, most of the time their system is down, or they agents hang up the phone. Also, when I disputed by fax they sent letters indicating the information was removed from the report, but they never do so and at the same time they send a second letter indicating they need additional information regarding identity. They Have from me my US passport, Drivers Lic. Concealed weapon lic, birth certificate, social security, and all the legal information needed including at least 4 address evidence on myt name. This has become a nightmare, and they do not work with customers, they do whatever they want, and each agent provides illegal information not supported by law on each call information like, Inquiries are not covered under the FCRA, we do not accept birth certificate, we do not have to remove the information after 30 days. Etc. etc. They are rude over the phone, 80 % of the calls are terminated by them when they see to many issues on the cases, or when its to early or 30 minutes before closing. 8 from 10 calls they do not have system available. Please do something Equifax is the worst company ever. And no body does anything with their illegal and ride practice.
Consumer complaint received 2022-02-17
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)

I was a victim of identity theft. I sent XXXX, TransUnion, and XXXX my FTC report on XX/XX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2022-01-11
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. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account deleted from my consumer report. 
XXXX XXXX XXXX XXXX with a balance of {$2100.00} XXXX XXXX XXXX XXXXXXXX Credit Card with account # XXXX with a balance of {$1300.00}. 
XXXX with a balance of {$1100.00} I demand the reporting company cease and desist pursuant to federal law. The reporting of these account ( s ) is/are violations of 15 USC 1692 c ( c ), The Fair Credit Reporting Act [ 15 USC 1692 c ( c ) ] ( c ) CEASING COMMUNICATIONIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

The reporting company is in violation of the federal law under the FCRA. The reporting company does not have permissible purpose to report the account information above pursuant to 15 USC 1681 b. I demand this account be deleted from my consumer report.
Consumer complaint received 2022-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account deleted from my consumer report. 
XXXX XXXX XXXX XXXX with a balance of {$2100.00} XXXX XXXX XXXX XXXXXXXX Credit Card with account # XXXX with a balance of {$1300.00}. 
XXXX with a balance of {$1100.00} I demand the reporting company cease and desist pursuant to federal law. The reporting of these account ( s ) is/are violations of 15 USC 1692 c ( c ), The Fair Credit Reporting Act [ 15 USC 1692 c ( c ) ] ( c ) CEASING COMMUNICATIONIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

The reporting company is in violation of the federal law under the FCRA. The reporting company does not have permissible purpose to report the account information above pursuant to 15 USC 1681 b. I demand this account be deleted from my consumer report.
Consumer complaint received 2022-03-30
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One CEO XXXX XXXX and agents has violated my rights as a consumer and the federal laws pursuant to 15 USC 1592h by ignoring my previous complaints about being in violation of the FDCPA and disregarding my request directing that all payments made on the credit account be mailed via check to the address on file. XXXX XXXX is in violation of the 18 USC 894. Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

Also, Capital One Bank CEO XXXX XXXX is in violation of 15 USC 892. Making extortionate extensions of credit ( a ) Whoever makes any extortionate extension of credit, or conspires to do so, shall be fined under this title or imprisoned not more than 20 years, or both.

Also, CEO XXXX XXXX is in violation of the truth in lending act which 15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term person means a natural person or an organization.

I am the natural person due credit on an open end credit plan ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.

I have the right per clause ( f ) to defer payment of debt and incur and my rights have been violated by Capital One Bank CEO XXXX XXXX. 

( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, I was punished for exercising my rights as a consumer requesting a cease and desist from contacting regarding the alleged debt and CEO XXXX XXXX closed my account. Which did not benefit me as the consumer and he had no right to do so pursuant to federal law of unauthorized use of credit.
Consumer complaint received 2021-08-31
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: ENCORE CAPITAL GROUP INC. (NV)

I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-31
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: Experian Information Solutions Inc. (AL)

I sent Experian a certified letter on XX/XX/2021 requesting that entries for XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX be deleted from my Experian report because they didn't provide proper verification and validation that the accounts were mine. I enclosed the return receipts from the post office showing that 2 receipts had been signed for ( XXXX XXXX & XXXX XXXX ) and the other receipt had not been signed for. I sent ALL certified letters to the address that was listed on my Experian report. 
Experian signed for my letter on XXXX but I have heard nothing from them verifying these accounts. 

Note : I sent a copy of the letter I sent to XXXX  XXXX  ... the letters were the same for XXXX  XXXX  and XXXX XXXX XXXX,
Consumer complaint received 2022-06-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Southwest Stage Funding (SC)

I had damages to my home and my insurance co sent a check for the repairs but had my name and my mortgage company name ( XXXX XXXX XXXX ). The check was sent to mortgage company on XX/XX/XXXX. No one called me from the mortgage company until I heard from the contract and we reached out to the mortgage company on XX/XX/XXXX and was told to email the documents over. I called back the next day and was told they never got it and to fax it over er XXXX. Never heard anything back so I called on XX/XX/XXXX and spoke with XXXX and she said they never got the forms ( W9 and insurance estimates and apologize and asked that i fax it to her. She said that she would get the check escalated and overnighted to contracted on that Monday XX/XX/XXXX. I waited and waited and the contracted never got the check so I called today XX/XX/XXXX and spoke to XXXX and he said that no other calls have been recorded and the information that I faxed and emailed to get my check endorsed they have and now he is telling me that he has to start the process again. I am an elderly lady and this is killing my nerves. He is also telling me that I have to have an inspection that will take another week or 2 before they release the check. I need HELP. Please call me at XXXX. 

Thank You
Consumer complaint received 2021-08-31
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: MARINER FINANCE, LLC (TX)

I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-12-13
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. (PA)

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. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX.-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I did not authorize this company to pull my credit. I have asked XXXX and Equifax to remove this credit pull but they are unresponsive. Equifax also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2021-12-13
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: JPMORGAN CHASE & CO. (GA)

CHASE BANK obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XX/XX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from XXXX. That is identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( 3 ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. CHASE BANK ( JPMCB CARD SERVICES ) obtained my consumer report under false pretenses and without written consent. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. Pursuant 15 USC 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

This is what i got from Experian The dispute for the bankruptcy named US BKPT CT XXXX XXXXXXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

Source : Experian Date Submitted : XX/XX/2022 Report Number : XXXX Court Name : US BKPT CT XXXX  XXXX Address : XXXX  XXXX XXXX XXXX, XXXX XXXX TN XXXX Type of Record : Bankruptcy Reference Number : XXXX
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2023-05-15
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act.The lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681. 

XXXX  : XXXX XXXX XXXX  XXXX XXXX : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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 any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.