davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-24
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: CBC Companies, Inc. (FL)

My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX, XXXX XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
My SSN is SS # : XXXX. I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
You are not authorized to report my Social Security XXXX on my credit report or sell any information containing my Social Security XXXX to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 
My date of birth is Date of Birth : XX/XX/1993. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
Consumer complaint received 2022-10-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paypal Holdings, Inc (CA)

On XXXX XXXX, I purchased {$94.00} of goods on XXXX website, and they received my payment. 
the payment for this goods is made through PayPal. 
But the goods have not been received for more than two months. 
We were also unable to get effective contact and complaints from suppliers and PayPal.
Consumer complaint received 2022-10-06
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. (NY)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX  XXXX XXXX Open Date XX/XX/2010 Balance : {$7200.00}
Consumer complaint received 2022-10-06
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. (NY)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX  XXXX XXXX XXXX Open Date XX/XX/2005 Balance : {$25000.00}
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

XXXX, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts. 


Due to no response for more than 60 days I would like these accounts removed from my credit Report.
Consumer complaint received 2021-08-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Lending Club Corp (NJ)

Dear official, I exhausted every avenue with Lending Club Bank ( formerly XXXX XXXX ) to get my money into my personal account. I emailed and called more than 10 times and all I got are responses " we will escalate this '' or " it was forwarded '' but it was not resolved. People that were giving me run around are supervisor XXXX, XXXX, XXXX, XXXX, and many others. 

Briefly, my father wired me {>= $1,000,000} ( Eur XXXX ) on XX/XX/2021 ( XXXX  XXXX  from XXXX wired money via XXXX XXXX  in XXXX ) from XXXX that ended up in Lending Club Bank account at the XXXX, Lending club account number : XXXX. Lending CLub Bank uses XXXX as an intermediary bank for international transfers. At one point, Lending Club Bank, notified me how money is not there. When money was not returned and the initiator performed detailed investigation, it was confirmed that money was wired to Lending Club account at XXXX. In addition to that, XXXX officials found my money to be in the Lending Club Bank account. Since I lost all trust into Lending Club Bank, this money should have been re-routed to my final private account at XXXX ) - but it never ended there. The {$34000.00} is still sitting at your XXXX Lending CLub Bank account # XXXX. Lending Club Bank recently started to give new run around by telling me that no-one is responding at XXXX. After asking three times, Lending Club Bank never responded to me who at XXXX did they contact or is not responding. I believe I was patient enough and it seems that Lending Club Bank simply stole my money. As an example, in normal circumstances, once money is not delivered it would bounce back within a week, which did not happen. I even decided to close my account after realizing that I am given the run around, but even then money did not bounce. 

I have all the documentation and account numbers if needed.
Consumer complaint received 2022-05-14
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. (MD)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-08-03
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-10-24
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. (CA)

n accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tate and Kirlin Assoc (OH)

Ive received over 50 calls from this company Tate, Kirlin & Associates. No voicemail were ever left and I assumed it was a spam call and disregarded. Due to the excessive calls that I was receiving I finally answered and on XX/XX/XXXX at XXXX I advised the caller to please not call me as they are calling my cellphone and calling during work hours and causing issues and distraction from my work. The caller then disconnected. I again received calls on XX/XX/XXXX at XXXX caller did not speak and disconnected call. I received a call on XX/XX/XXXX at XXXXspoke with caller and again advised I had already explained previously on XX/XX/XXXX that this is my cell these are work hours and to cease communication as this is causing me an issue with work. I was advised I was being removed. Another call on XX/XX/XXXX at XXXX spoke with XXXX and again advise the same as I did on the previous calls, XXXX said she will remove me from list. At this point I advised my rights were being violated and requested company mailing address, and name. Initially XXXX tried to disregard my request and said Ill remove you I told her thats what I was previously told and continue to receive calls. Today XX/XX/XXXX at XXXX I received a call, the caller disconnected. I called the phone # back and made contact with female rep who did not provide name-advised I was requesting company info as Im still receiving calls and will be exercising my rights under FDCPA laws- the female asked was the phone # I called in from the number they called. At this point that information is irrelevant Ive spoke with someone on more than one occasion and Im still getting calls. The female rep hung up on me. I called again and spoke with XXXX who first wanted to verify my identity before providing company information, due to me declining to verify information XXXX declined to provide any information. At this time your company has displayed a clear issue with harassment based off the excessive calls prior to contact and based off the repeated calls to my cell phone after I told to cease communication, Im working and this is my cell. Im requesting compensation under the FDCPA Act section 806 for harassment and abuse for each phone call after contact was made and advised to cease calling in the about of {$1000.00} per call and under section 805 communication in connection with debt
Consumer complaint received 2022-10-24
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: ERC (OH)

I filed a complaint with CFPB on XX/XX/XXXX I have recieved 2 letters from Collections companies who were unable to send me written verificaion stating the account belongs to me. Ive called XXXX and tried tp upload documents so these accounts can be removed but they have put a time frame on it so if you dont upload it in the small time they give you it kicks you out the system. Once i knew that i finally got it thru. I ve also called XXXX  and the representative told me they had no way of uploading the documents and i would have to send out another certified letter which all these letters are costing me. I asked the representative i know they dont open all the letters and that was the reason for my call to get it handled over the phone so my letter wouldnt just be sitting there. He was unable to help me. Im uploading the letters from Enhanced Recovery and XXXX. XXXX, there did not send me any of the documentation i asked to prove these accounts belonged to me. XXXX  sent me a letter that i dont even have an account with. Also enhanced recovery sent me a letter asking that i send them my personal information!
Consumer complaint received 2022-09-15
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. (NV)

The Credit bureaus stated that my account with XXXX XXXX XXXX XXXX ACCOUNT # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal from my credit report. The XXXX  and my state Attorney General 's office have also been contacted regarding this matter. 

They have also violated my rights under 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 that any consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681C ( A ) ( 5 ) States NO consumer reporting agency may make any consumer report containing any of the following : Items 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 ) States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (GA)

I am submitting this complaint myself NOT a third party. There has been multiple violations inside of my consumer credit contract with Exeter Finance. I signed a Contract with the failure of general disclosures which are a requirement pursuant 12 CFR 1026.17 and is a violation. They are denying me of my rights and accused me of sending fraudulent documents which aren't true. I expressed my concern regarding a billing error but they did not send me documentary evidence in accordance with 15 USC 44 which MUST be provided to clarify and resolve the error. 15 USC 44 reads Documentary Evidence includes all documents, papers, correspondence, books of account, and financial and corporate records, and without all of those the error is unable to be resolved. Exeter Finance has not put the account on hold from collection of payment pursuant 12 CFR 1026.13d ( 1 ) which reads Consumers right to withhold disputed amount ; collection action prohibited. The consumer need not to pay ( and creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). Also 12 CFR 1026.13d ( 2 ) states Adverse credit reports prohibited. According to their contract they comply with Truth In Lending Act but have violated multiple sections that falls under it. I did not receive rescission forms or a disclosure regarding me of that right which I sent notice to exercise that right and rescind the contract via registered mail. It is my understanding that when I exercise that right pursuant 15 usc 1635 they must return money or property following.
Consumer complaint received 2018-08-26
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: EQUIFAX, INC. (TX)

We have a mortgage with XXXXXXXX XXXX through XXXXXXXX XXXX in Texas. One year ago XX/XX/XXXX Hurricane Harvey hit our area and we were approached by XXXXXXXX XXXX regarding a Forbearance Plan that would defer our payments for 3 months. We agreed to participate in the Forbearance Plan offered by our mortgage company. The date of the plan were from XX/XX/XXXX until XX/XX/XXXX and payments were to resume on XX/XX/XXXX. We started payment as per the agreement in XX/XX/XXXX. In addition, The forbearance letter clearly states that XXXXXXXX XXXX  will not report the delinquency states or the entry into a Forbearance Plan to credit reporting agencies. At the end of the Forbearance we were told that the payment for XX/XX/XXXX really went to pay XX/XX/XXXX and then XX/XX/XXXX was to pay XX/XX/XXXX. 

We decided that we would just rather pay the full three months so we would not re-negotiate the loan as XXXX XXXX was requesting. We caught up the payments and made regular monthly payments. We also send them a check that they never cashed after 30 days and our bank advised we should cancel the check for our protection. Per XXXXXXXX XXXX the check was later found in a lock box that XXXXXXXX XXXX failed to check their own mail for 30 days. We feel XXXXXXXX XXXX has failed to properly service our loan and duped us into the current situation. In short, setting us up for failure. 

We have documentation in our Loan Payment History from XXXX and will share with your company. Despite our efforts to abide and pay our mortgage, XXXXXXXX XXXX has reported me with a 60 day delinquency on my credit report. I have sent a request for XXXXXXXX XXXX to fix the 60 day delinquency problem and submitted my credit report to them as they requested. I have been waiting for over 20 days to have this issue resolved. I have also reported the error to three credit bureaus and made an official online dispute. I feel that XXXX XXXX has failed me and my family in the servicing of our mortgage loan. In addition, feel they are also taking advantage of customers who signed up for the Forbearance Plan. We are currently tying to purchase another home and the loan department told me about the delinquency. We were never informed by XXXXXXXX XXXX that were were being reported to a credit agency.
Consumer complaint received 2018-08-26
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX Acct XXXX ( XXXX, Equifax, XXXX ), XXXX Acct XXXX ( XXXX, XXXX ), XXXX XXXX XXXX XXXX Acct XXXX ( Equifax ), XXXX Acct XXXX ( XXXX , Equifax , XXXX  ), XXXX XXXX Acct XXXX ( XXXX  , Equifax , XXXX ), XXXX XXXX XXXX XXXX Acct XXXX ( XXXX , Equifax ), XXXX XXXX Acct XXXX ( XXXX , Equifax ), XXXX XXXX Acct XXXX ( XXXX ), XXXX Acct XXXX ( XXXX , Equifax , XXXX  ), XXXX XXXX Acct XXXX ( XXXX , Equifax , XXXX ),  XXXX XXXX XXXX Acct XXXX ( Equifax , XXXX ), XXXX Acct XXXX ( XXXX , Equifax , XXXX ), XXXX, XXXX Acct XXXX ( XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX , Equifax , XXXX ), XXXX XXXX Acct XXXX ( XXXX , Equifax , XXXX ).
Consumer complaint received 2022-08-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (CO)

I chatted with Sallie Mae on XX/XX/2022 and requested information about how my loan payment was being applied. I was told I needed to call customer service. I called them the same day and requested an amortization schedule. I was told I would receive it in 24 to 48 hours. I never got it. I called again on XXXX, received the same information, and was told it would be provided in 24 to 48 hours. It was not provided. I send a written letter on XX/XX/2022 requesting again the amortization schedule. I have not received. I am paying {$100.00} more each month and they are charging me more interest than what I am making in payments. I am also a part of the XXXX class action suit. Sallie Mae has not acknowledged or put my loan in forbearance nor responded to my call for information.
Consumer complaint received 2022-05-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

A complex I used to live in 2 years ago put my account in collections. I never received a notice that I had an account in collections. I found out through my experian app. The complex contract clearly stated that if I made two written requests and they did not resolve my issue, I could terminate my contract effectively immediately, which I did. When I called the collections agency I attached emails as well as a picture of the contract and they never got back to me. The collections agency says I needed to put the complex on notice 30 days before I left but according to the contract, since they didnt resolve my issue in a timely manner after several attempts, I could terminate immediately.
Consumer complaint received 2018-08-26
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. (GA)

Greeting, I have submitted to the credit bureaus XXXX  and Equifax within the last two years several disputes in refrence to several accounts that were opened under my name and social. They were able to successfully remove a few items, however there were others that were still reminding on the credit report such as a two bankruptcies that were filed on my credit report. On XX/XX/2016 and XX/XX/2016 After being told that the account and items were valid, the items remained on my credit report. Preventing me from obtaining credit and being denied for several investments.
Consumer complaint received 2022-10-06
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: M&T BANK CORPORATION (NY)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XX/XX/XXXX XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of M & T BANK XXXX Open Date XX/XX/XXXX Balance : {$0.00} I believe it was reporting in error.