davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp (OR)

On XX/XX/21 I applied for a loan on the Lending Club website. I did a joint application with my husband, XXXX XXXX. The Lending Club issued the loan only to me ( and in my old name for some reason ) and excluded my husband from the loan. I called and spoke with two different reps at LendingClub on XXXX and both told me that there was nothing they could do. This is a huge issue for a number of reasons. 1. Now all this debt is in my name alone which will affect my debt to income ratio and my overall credit score. 2. We may have been able to receive a lower rate and different terms if my husband had been included with his income and credit score. 3. They are sending direct payments to pay off some of our other debt, one is a car loan that is solely in my husband 's name and I'm not even on. Given the severe financial ramifications that I will have to experience as a result of this for years to come is not acceptable. They are refusing to do anything even though they are the ones who caused this issue. It is not okay to punish a consumer, especially so seriously, because of a company 's error. I've contacted them multiple times and requested management or an escalations dept, neither of which I was ever transferred to. I was told anyone I was transferred to would tell me they can't do anything, even though this is their error. I need to have this rectified. They should redo the loan in mine and my husband 's name and remove the original credit inquiry they put on my report. My terms should be adjusted to show the co-applicant.
Consumer complaint received 2022-03-09
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. (PA)

Upon checking my most recent credit report, I noticed that you are continuously reporting accounts with incorrect erroneous information. This is a massive violation to the Fair Credit Reporting Act. I have already addressed Equifax with regards to this issue and I have not received any response from them until this date.
Consumer complaint received 2021-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NC)

Attached below is my FTC report on Fed Loan Servicing. I entered a consumer credit transaction with them and Fed Loan Servicing acquired my negotiable instrument attached down below which is payment according to Federal Law. Fed Loan Servicing is now stating that I owe them money, how is this possible when my promissory note was taken during the consumer credit transaction as payment along with my social security number and signature.

Also the original promissory note failed to disclose my rights as the debtor pursuant to 16 CFR 433.2 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

Can Fed Loan Servicing please provide the original agreement and bank keeping entries ( GAAP ) for the record to show that I owe such alleged debt. I have the right to request such documents due to the Freedom of Information Act. Should the one who funded the loan be repaid the money?

It will be considered fraudulent concealment and deceptive from of fraud if Fed Loan Servicing can not provide : The original party who funded the loan Book keeping entries Full material disclosure pursuant to 15 USC 1602
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

XXXX and Equifax show in my credit report two bankruptcies as public records reported from two different courts on the same date XX/XX/XXXX in the bankruptcy court of the city of XXXX, Fl and in that of the city of XXXX Fl with different numbers of records on the same date : XXXX for US BKPT CT FL XXXX and XXXX for US BKPT CT FL XXXX. 
The public record of bankruptcy was filed in the XXXX court of initiation, but was transferred to the XXXX court where the Discharge of debtor was concluded on XX/XX/XXXX. The fact that the credit reporting agencies show how I publicly record two bankruptcies on my credit report prevents me from refinancing my home.

It is impossible by law to file two individual bankruptcies on the same date and year even so these credit reporting agencies show that I have two bankruptcies on my credit report when without a reasonable doubt they are shown on the same date and even only that of the bankruptcy court of the city of XXXX Fl. shows that it was resolved on XX/XX/XXXX and that of the city of XXXX Fl, as an unsolved petition.
Consumer complaint received 2021-10-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I have called Mr Cooper constantly trying to get back on track with paying my regular payments. When I first called & was put on the forbearance plan the agent told me that I would have options when coming off & never told me I would need legal documentation. There is an agent on a recorded line that also explained that the information was misleading. I am now being told that I have to pay a lump sum while in the process of trying to do a modification in order to get back on track! This company has been nothing but horrible. What was meant to help out has caused more trouble
Consumer complaint received 2021-09-21
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. (GA)

I NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2023-04-05
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. (PA)

I am writing to file a complaint regarding inconsistencies, inaccuracies, missing information, and credit bureaus not performing proper investigations on several accounts on my credit report. I have attached a copy of each account and screenshot of my credit report Upon reviewing my credit report, I have found several errors that are negatively impacting my credit score and financial well-being. Specifically, I have identified the following issues : Inaccurate information : Some of the information on my credit report is inaccurate, such as incorrect account balances, dates of delinquency, and payment history. 

Missing information : Some accounts that I have closed or paid off are not listed on my credit report, which is preventing me from demonstrating my creditworthiness. 

Inconsistencies : There are inconsistencies in the way my personal information is presented across different credit bureaus, which is causing confusion and potential identity theft risks. 

Improper investigations : Despite disputing some of the errors on my credit report previously, the credit bureaus did not perform proper investigations and have failed to correct the inaccuracies. They have violated several FCRA laws and they were not fair in their investigation and reporting. 

These errors are impacting my ability to obtain credit and are potentially causing harm to my financial reputation. I have attempted to resolve these issues by contacting the credit bureaus directly, but I have not received satisfactory responses. 

I am requesting that the CFPB investigate these issues and take appropriate action to ensure that the credit bureaus are held accountable for their actions.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

on XX/XX/2022 I mailed a dispute to Equifax asking that they look into two bankruptcies being reported on my credit report. Equifax incorrectly confirmed that the bankruptcies belonged on my credit report. I was sent confirmation # XXXX on XX/XX/2022 Equifax says that they confirmed the Bankruptcies thru a company called XXXX. It is the responsibility of a credit reporting agency to verify information at it's source confirming Social Security number, Birthday and Name. No Federal court will provide this information under federal rule of Bankruptcy procedure 9037. 

That said I contacted XXXX and requested a consumer report from that company. XXXX sent me the requested consumer report which I received on XX/XX/2022. There aren't any bankruptcies showing on my XXXX XXXX consumer report. XXXX is not showing any bankruptcies. Equifax should not have been able to verify public records with XXXX. XXXX is not showing ay bankruptcies on my consumer report. It isn't possible to verify something when it isn't there.. Equifax has committed a grave error against me and my family and we have suffered irreparable harm due to the blatant intent of Equifax to cause me harm.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I haven't paid a bill late for years, but I see my credit reports says there are 16 delinquent accounts and that's what my credit score keeping low. When I looked into the each of the delinquent payments, there is none. I was wondering why my credit score is not improving when I've never had late payments made.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX AMEX Account # XXXX, AMEX Account # XXXX, AMEX Account # -- XXXX, AMEX Account # -- XXXX, CITI Account # XXXX XXXX XXXX CARD Account # XXXX, XXXX CARD Account # XXXX in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by AMEX Account # XXXX, AMEX Account # XXXX, AMEX Account # -- XXXX, AMEX Account # -- XXXX, CITI Account # XXXX XXXX XXXX CARD Account # XXXX, XXXX CARD Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2023-04-05
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. (AZ)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2022-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (OH)

All emails from this company contain tracking pixels. Also known as web beacons, these secretive codes are embedded in all service emails and are designed to collect IP address, device and browser details, time, emails forwarded to, their private info, etc. Victims are all customers, and unlike cookies, there is no request for customers ' consent. Reference to existing privacy disclosure is considered ineffective as per all privacy laws. After years of reports to the customer service, domain registrant, admin, tech and abuse departments, no one bothered to even respond with consistent reasons of such mass surveillance and failure to provide any optout option. After complaints via emails, only things I heard are standard PR statements and ultimatum about unwillingness to remove secretive trackers.
Consumer complaint received 2022-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (FL)

My name is XXXX XXXX and I am submitting new information as my rights have been violated and cfpb needs to make this company respect the law. 

This is related to case # XXXX Under section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) once I submitted my Affidavit Of Identity theft form, that I have sent over to this company more than once now, this account was supposed to be removed and closed out. 

The most they have done is shown my balance is XXXX. That is fine, but that does help my situation. Under the Fair Credit Reporting Act, I am supposed to be protected against negative remarks that have been placed with the CRA 'S per this fraudulent account. since the company has had more then 30 days to remove this account due to me being protected under 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), I now want CFPB to enforce this law and demand this account be removed from all Cra 's . 

The company has already stated the balance is XXXX, and account has been discharged. so there is no harm in removing this negative account from my profile, especially if I state the account is Fraudulent and have filled out affidavit stating so and under 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) I am suppose to be protected. So demand removal asap and updated reports be sent out once completed. Next step would be to file complaint with state attorney office and press charges against this company for discrimination and completely violating my rights and pursuing to report fraudulent activity on my account.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank has abruptly closed my account. This is an adverse action damaging my consumer credit. They closed the account because I do not have a mortgage or any secured credit, the average time on applications for credit, credit usage etc. 

The card they closed was opened in 2017 and used twice. One time as recently as last year. The card has always been paid timely and never incurred a late fee. 

A creditor closing a consumer 's account reflects negatively on the consumer credit report. They could have called me to discuss any problem and I would have voluntarily closed the account. Instead, they chose to damage my credit further. 

Synchrony should reinstate the account and call me to discuss the problem. I am their customer, they are not mine. I would be glad to no longer do business with a financial institution such as this. It is a shame they are even allowed to operate.
Consumer complaint received 2020-01-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Fund, LLC (TX)

XXXX  CREDIT BUREAU HAS BEEN ASKED SEVERAL TIMES TO REMOVE THE DEBT FROM XXXX   FOR THE AMOUNT OF {XXXX XXXX XXXX HAS REMOVED THE DEBT MIDWEST RECOVERY PROVIDED BY XXXX XXXX XXXX XXXX. THIS COMPANY KEEPS FORWARDING THE DEBT TO DIFFERENT COLLECTION AGENCIES WITH FALSE DATES THE DEBT/ ACCOUNT WAS OPEN. I HAVE REQUESTED XXXX XXXX XXXX XXXX XXXX  TO REMOVE THIS OFF MY CREDIT FILE SINCE XX/XX/2013.
Consumer complaint received 2022-04-19
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: STERLING JEWELERS, INC. (NC)

I have filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.
Consumer complaint received 2022-03-09
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)

XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$590.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XXXX XXXX, XXXX are reporting on my personal credit file with ( EquifaxXXXX ) credit reporting agency. These inaccurate addresses, accounts and inquiries were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2024-09-17
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)

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Student Loans DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$2800.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$280.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported date on XX/XX/XXXX ) account number XXXX balance {$4200.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$3500.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$7100.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$5100.00} DEPTEDXXXX  opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$2000.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$3900.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$7500.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$7500.00} DEPTEDXXXX  opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$5000.00} DEPTEDXXXX  opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$4900.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$4800.00} Credit Card XXXX XXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$0.00} Secured Loan XXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ( XXXX ) # XXXX ( XXXX ) # XXXX ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.