davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: 2233 Paradise Road LLC (TX)

Cash Factory USA promised a payment arrangement over the phone that was different from what was emailed to me. 
In XX/XX/XXXX I took out a loan of {$750.00} from Cash Factory. Due to unforseen hardships I got behind in the payments. In XX/XX/XXXX I set up a payment arrangement of $ XXXX. I paid this amount for XXXX and XXXX. On XX/XX/XXXX their system would not allow me to make a payment. I was told my account is now handled by the retention team. On XXXX I spoke with XXXX in the retention team who told me the debt in the amount of {$940.00} could be settled for {$470.00} to be deducted from my debit card on XX/XX/XXXX. I agreed on the condition I would received this settlement agreement in writing. XXXX promised I would receive it. 

The email I received from her only said a payment arrangement of {$470.00} had been set up. It said nothing regarding the debt being a settled in full amount. I emailed Cash Factory USA and asked them to send in writing what was offered over the phone ; which was a settlement arrangement, not pay arrangement and they refused. The letter gives the impression I must make more payments. In my email, I stated I would revoke my payment authorization if this is not corrected. I do not want to pay this amount only to have Cash Factory say I still owe them more money. Promising a settlement amount over the phone, then sending an email which alludes to something entirely different is a deceptive business practice. I need Cash Factory to honor their promise made over the phone and send the correct Settlement arrangement in writing.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, 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. (NC)

In my recent complaint I did not dispute the VALIDITY of the account I disputed the ACCURACY of the account. Specifically I stated that the address provided by the Creditor on account # XXXX XXXXXXXX is in fact INACCURATE because I have sent correspondence certified mail to the address and it was returned as UNDELIVERABLE because the company moved without leaving a forwarding address. Your response to my complaint is a violation of my rights because this is my fourth time pointing this out. 

the address being reported by the creditor is undeliverable and unable to forward. therefore inaccurate please remove this account immediately because you are in violation This address is undeliverable : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2021-01-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I was living at the XXXX XXXX  XXXXXXXX XXXX in MD. I moved XX/XX/XXXX, XXXX My landlord would not renew my lease during the pandemic so the money I had, needed to be used to move., the landlord was harassing me to move until the attorneys generals office contacted her to let her know this could not be done, so in good faith I applied for the eviction prevention program back in XXXX, I received a message from the department to submit a letter from my landlord requesting the amount., the amount the landlord claimed I owed, was out of this world.. I lived in the apartment for 5 years so everything was normal wear and tear.. they never contacted me to let me know the eviction prevention program never contacted them..., as of XX/XX/2021, their collection agency have reported me to the credit bureau, no one ever contacted me about repaying the debt since the eviction program never issued a check.. I was just informed from calling the eviction program, my application was denied.. no one never contacted me. Had I knew I would have made payments arrangements to prevent this from being reported to my credit report, normally a credit contact you before they precede with referring you to collections.. this company was already mad, well XXXX was already upset that I reported her to the attorneys general office., therefore it was reported without contacting me first.. the XXXX never contacted me so I assume the debt was paid, even though they got over on me with the amount. This situation happened during the pandemic.. I didnt have the money to pay and move., in the process I caught covid and had to quarantine but of course they wouldnt care.. this collection has affected my credit drastically and would like for the debt to be removed, I was affected during the pandemic and didnt have XXXX dollars to pay.. I still fill like that amount was personal. They couldve at least reported affected by a natural disaster because I was,, hours was cut and everything on my job.. so how could I possibly afford to pay then XXXX and move. My moving cost added up to that because she refused to allow me to stay one more year.. when I begged her, her exact words was do you have family or a hotel you can take your kids.. so I was forced out during a pandemic with XXXX small kids.. had I not been forced out, the money I had I couldve paid my rent instead of using it to move..
Consumer complaint received 2022-05-01
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the Fair Credit Reporting act 15 U.S.C 1681 and Fair Credit Reporting Act 15 U.S.C 1691 XXXX  XXXX Account # XXXX have violated my rights. 

15 USC 1681 - States I have the right to privacy 15 USC 1681a 2 ( A ) ( i ) - ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person that is making the report.

15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) - ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

15 USC 1691 a ( 3 ) - ( a ) ACTIVITIES CONSTITUTING DISCRIMINATIONIt shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 3 ) because the applicant has in good faith exercised any right under this chapter.

15 USC 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( 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 2021-07-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

I leased a XXXX, XXXX XXXX in XX/XX/2021. I traded in a leased Lexus XXXX. I signed XXXX 's paperwork authorizing them to finalize the trade-in, transfer the plates and take possession of the XXXX XXXX on or about XX/XX/2021. 
Lexus refused to honor the transaction and contacted me numerous times for payments they said I owed. The amounts varied depending on who we called to resolve the issue. More than once they said they would call back with the information to explain the mystery charges and never did. 
Finally they threatened sending the dispute to a collection agency if we did not pay them by XX/XX/2021. 

The XXXX agent was very helpful and contacted Lexus numerous times. He was also given misinformation. Assurances of resolution were not honored. He told me, " that many XXXX agents were getting the same run around '' from Toyota/Lexus Financial. He was delayed for several months trying to get the Title to the car. 
XXXX finally contacted us after debt collectors had contacted us and said the file was closed. 

It is my opinion that Toyota/Lexus are resisting consumer movement to all Electric Vehicles. They have delayed selling their EVs here in the US market. 

I can provide the name and cell number for the XXXX agent that experienced the title transfer delay and can verify the duplicitous assurances of resolution.
Consumer complaint received 2021-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (MO)

On XX/XX/2020 Money Lion INC did in writing acknowledge its behavior in XXXX Complaint # XXXX involving Money Lion INC for unauthorized transactions debit from checking acct ending XXXX. All 3 credit bureaus were notified of cease reporting of Money Lion Inc on my report while in litigation. Remove and delete MoneyLion inc from my credit report. On XX/XX/2020 legal representatives sent certified mail correspondence awaiting reply from Money Lion who as of today still has not responded.
Consumer complaint received 2022-05-01
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. (LA)

In accordance with fair credit reporting act XXXX account # XXXX violated my rights. 
15 USC 1681 Sect 602 state I have the right to privacy.

15 UCS 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open account consumer credit plan as late for any purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) Was signed To stop adverse credit reporting during the COVID-19 crisis Under the amended FCRA, if a `` furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments.
Consumer complaint received 2019-04-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

On XX/XX/2019 I spoke with a representative before I filed to re-certify my income driven repayment plan with fedloans.gov. I explained to her my situation ... that although I was making more money than the previous year, my financial obligations had also changed. My living situation had drastically changed. I am a single parent with a 4 year old who is starting school in XX/XX/2019, which I have to pay $ XXXX monthly for ( not by choice ) and I also now live on my own paying a $ XXXX monthly mortgage. I was living with my parents before and was not paying rent. I moved out of their house ... now XXXX years old. I could not afford an increase in monthly student loan payments. I was paying about $ XXXX monthly, in student loans at the time. I was seeking some form of financial assistance from the Fedloan.gov student loan representative. She told me there was nothing she could do because I did not have any forebearances left and I made too much money to qualify for a hardship deferment. I in fact had a serious hardship, and was considering defaulting on my loan because of it! This interaction with this representative made me realize why people just give up paying their student loans, and let them go into default. Its bad enough that a loan that started with Navient/SallieMae at {$80000.00} turned into {$190000.00} from just the unfair interest that accrued over a few years ... but when your trying to just keep your payments the same and reasonable so that you can support your family, and you are not given any options ... it makes student loan companies look that much more shameful and abusive. As of XX/XX/2019, Im paying {$620.00} a month towards this horrendous student loan that keeps increasing, although I graduated from college over a decade ago and it has ruined my credit and forced me to consider it not being worth trying to pay anymore, so that I can provide for my daughter and I, without the grotesque hardship it is creating for us.
Consumer complaint received 2022-07-28
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. (SC)

I recently spoke with XXXX XXXX from Equifax. I contacted him about the letters I sent in and the police report I filed due to the hard inquiries on my consumer report. He violated my right by using obscene and profane language towards me. 15 USC 1692d. He belittled me and would not help me. I asked for a supervisor but he would not transfer to one. I then get a letter stating that all the inquiries are verified. I am hoping XXXX from Equifax didnt update my consumer report because of the call. He willfully and wrongfully didnt that which is affecting my way of living. I can get a vehicle right now because of this unresolved issue that I have sent certified mail about. I have attached the call voice memo. I also let him know the call is being recorded. All I wanted was those 11 hard inquiries removed from my consumer report.
Consumer complaint received 2022-05-01
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. (LA)

In accordance with fair credit reporting act XXXX account # XXXX violated my rights. 
15 USC 1681 Sect 602 state I have the right to privacy.

15 UCS 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open account consumer credit plan as late for any purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) Was signed To stop adverse credit reporting during the COVID-19 crisis Under the amended FCRA, if a `` furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments.
Consumer complaint received 2022-05-01
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)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for and purpose.
Consumer complaint received 2022-04-11
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. (NV)

In 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 2022-05-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Social Finance, Inc. (NJ)

please refer to my previous complaint number XXXX and the blatant LIES by Sofi in their response. I have also attached emails proving that i reported this a s fraud as well as well as email directly to the president of sofi. On XX/XX/XXXX i had an a conversation with sofi and i eventually spoke with XXXX XXXX, an account manager in their delaware office, who assured me a fraud investigation was being opened. He would not give his last name. I have also attached a partial list of my phone calls to sofi in te file marked sofi proofs. Would anyone believe that i spent HOURS on the phone with sofi and NOT reported fraud?
Consumer complaint received 2022-09-27
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. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

The following credit inquiries listed on my XXXX XXXX, Experian and XXXX credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXXl, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX BXXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXo, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXXk XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Bank, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (ME)

I pulled my credit report and noticed that Equifax only was reporting a XXXX XXXX collection on my account. The date listed was XX/XX/2019 in the amount of {$550.00} by a company called XXXX XXXX XXXX XXXX in XXXX FL. I have no recollection of this XXXX XXXX and contacted Equifax to dispute the XXXX XXXX and find out more information. Equifax refused to remove it and said I had to contact the collector. I contacted the collector, XXXX XXXX XXXX XXXX, at phone number : XXXX. After review of the account, the address they had on file was incorrect and never was my address ( same street and home number but totally different city and zip code ). I then informed them of the incorrect information and asked for This to be removed from my credit report. I also sent in a notarized letter to both Equifax and XXXX XXXX XXXX XXXX with my most recent bank statement and my drivers license to prove my addresses at : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX FL XXXX Equifax Dispute XXXX XXXX. XXXX XXXX XXXX GA XXXX I still have not heard from either company and request that this be removed immediately.
Consumer complaint received 2021-01-25
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. (MI)

Experian has refused to investigate my disputes per Fair Credit Reporting Act of the allged debts of XXXX Account No. XXXX ...., XXXX Account No. XXXX ...., XXXX XXXX Account No. XXXX, XXXXXXXX XXXX Account No. XXXXXXXX ...., XXXX Account No. XXXX ...., XXXX XXXX  Account No. XXXX ...., XXXX XXXX  dc Account No. XXXX. I have attached Experian 's denial to investigation. Experian has given no written reason how and why the disputes have been previously disputed. The disputes have not been previously raised. Under Michigan law the companies must validate the alleged debts with a written contract, not just statements. This has not been done. Also, some of the alleged debts have been dismissed in court. Experian must remove the alleged debts for refusing to also investgate.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 


1 ) XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX 2 ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 5 ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX ( XXXX XXXX XXXX 6 ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX