davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC (FL)

XXXX XXXX XXXXmobiloans.comXXXXXXXX this company is charging extra fees to people a month taking advantage and creating extremely difficult situation financial to survive and repay the loan. they are taking advantage of people. i got a XXXX credit line where are charging me XXXX XXXX XXXX just in fees for a XXXX line of credit. this extremely bad taking advantage to people.
Consumer complaint received 2024-06-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BROADVIEW MORTGAGE CORPORATION (NY)

I have an auto loan with Broadview, set up to autopay on the XXXX of each month, pulling from an external checking account. Broadview decided to perform an IT system integration over the weekend of XXXX XXXX, and in that process, something must have broken my auto loan autopayment - money was not transferred from my external account to my auto loan, but future transfers in the series remained. I happened to check my account and saw that the auto loan had not been paid yet by XX/XX/XXXX, so I manually transferred the money. but had I not checked, my monthly payment would've been overdue, and I have no doubt that broadview would have charged me a late fee, all because of an error on their end
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX - BALANCE {$1600.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - BALANCE {$1800.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$6000.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - BALANCE {$410.00} - DATE OPENED XX/XX/XXXX
Consumer complaint received 2024-07-17
Product: Credit reporting 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)

Did not consent to authorize or have knowledge of the following inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Debt Solutions LLC (TX)

On XXXX XXXX the collection agency associated with the account was called to make arrangements for payment. The account was paid at its entirety on XX/XX/year> in the amount of. Company withdrew funds from my account and listed that the installment was paid in full.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

Toyota Finance Services went back to my credit report which was showing " Current '' on my on-time payment and change it to " Late '' payment, which is not true, I paid on time and they even reported " Current '' previously. I don't understand what made them ruin my credit for no reason. 
I am a XXXX in the middle of leaving my duty station ( XXXX XXXX ). I am looking for an apartment in the next 2 weeks, Now I am stuck since they ruin my credit. I don't know what to do, it's causing me stress and XXXX. 
I call them to try to resolve it but they said they can't do anything until I file a complain.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the remove of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Dorough & Dorough, LLC (GA)

I contacted the debt collections attorney XXXX XXXX XXXX and his paraprofessional, XXXX XXXX XXXX, and the XXXX XXXX XXXX ( XXXX ) property manager XXXX XXXX, the XXXX corporate contact XXXX XXXX XXXX XXXX with regards to the disputed amount due in XX/XX/XXXX. All parties did not respond or did not respond appropriately and accurately when I sent the collections attorney the form back disputed the amount due. I sent the collections attorney XXXX XXXX XXXX with Dorough & Dorough , LLC and his paraprofessional XXXX XXXX XXXX the completed and signed form back and received an inaccurate ledger with an inaccurate amount due. The paraprofessional XXXX XXXX XXXX sent an email in XX/XX/XXXX, color coded with more inaccurate amounts due. I have paid the amounts owed for the HOA/assessments fees and sent them certified United States Mail with return receipt. I emailed all parties multiple times requesting that they correspond both via email and certified mail. They sent a ledger dated XX/XX/XXXX and not have sent an accurate amount due since, nor have they returned the returned receipt U.S. certified mail receipt through the USPS. I have not heard anything via email or U.S. mail from the collections attorney. I also paid the collections/attorneys fees with my payment which was held up in the mail processing center mail delays that we have been experiencing. I followed up by paying the past due amounts for the HOA/assessment fees through XX/XX/XXXX and again have not received a response from any of the parties involved. I have also followed up via email when I paid for and sent via XXXX mail, with a signature required, asking the collections attorney to consult with both XXXX and his office staff who signed for the mail that I sent with my payment.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX {$1800.00} XXXX OF XXXX **** XXXX {$380.00} XXXX XXXX Balanced {$0.00} XXXX  XXXX XXXX {$9800.00} XXXX  XXXX XXXX {$21000.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXXXXXX XXXX {$1500.00} XXXX XXXX Balanced {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Webcollex, LLC (VA)

Company ignored the fact that I am a victim of identity theft of XXXX data breach XXXX I've been trying for years to correct my credit report. I now know why things are popping up on my credit report. These accounts are not mine.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Legal Logix Inc. (NV)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Isla Repossesions & Collection Inc (CA)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Continental Central Credit, Inc. (FL)

Ive spoke to multiple representatives ( continental finance ) from XX/XX/2024 and sent multiple emails to the email address that they provided to no avail its been over one month and they are depriving me of my money. {$89.00} Ive requested such sum to no avail.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which is prohibits. They furnished this account that we did not agree upon and i didnt sign any agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which makes it unfair practices. According to the FDCPA I'm entitled to {$1000.00} per violation and clearly they violated my rights
Consumer complaint received 2024-05-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALCHRO INC. (OH)

First federal credit ctl collection debt is paid in full..I spoke with a lady named XXXX crane and she sent me a receipt of the debt paid In full but she did not send the letter of deletion as she promised..Ive disputed wit XXXX XXXX and XXXX and asked to delete of credit file immediately because I paid debt in full
Consumer complaint received 2024-05-24
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Strategic Financial Solutions, LLC (OH)

In XXXX of XXXX I received a flyer via US mail from XXXX XXXX XXXX about debt negotiation/reassignment. I was interested so I called them and they took all of my debt & current income information to determine if I qualified. I did and they scheduled a notary to meet me at my work on XX/XX/XXXX to sign the paperwork. Initially I had {$38.00}, XXXX of debt so my monthly payments would be {$670.00}. They were deducted from my bank account and held by XXXX XXXX XXXX XXXX XXXX XXXX XXXX would be handling my account. My first payment came out on XX/XX/XXXX. In XX/XX/XXXX I added another creditor and my payments increased to {$740.00}. I was told it would take 7-9 months before my first debt was settled and I was not to make any payments to any of my creditors directly anymore. So I stopped paying, my credit score decreased significantly, and things started to go to collections. In XX/XX/XXXX I called to inquire when my debts were going to started being paid & I was told they were in settlement talks with XXXX XXXX and hoped to pay them by the end of the month. I called back at the end of XX/XX/XXXX and would be on hold for 30-60 minutes and never get to talk to anyone. I would email and I would get an automated response back that I needed to call customer service. Finally on XX/XX/XXXX I did an internet search on XXXX XXXX XXXX and discovered they were a part of a lawsuit with the United States XXXX for the Western District of New York case XXXX for deceptive business practices. From XXXX XXXX XXXX  all of my payments were being put towards monthly fees, admin fees, and retainer fees. {$4200.00} has never been used to pay off any of my debts. In XXXX XX/XX/XXXX my payments were still being taken but not applied to anything. At this point I contacted XXXX XXXX to withdrawal the money I still had in my account and sent over a cancellation letter to XXXX XXXX XXXX firm on XX/XX/XXXX. I then received and email stating they were currently under a XXXX  and could not maintenance any current accounts. I want my {$4200.00} refunded as they preyed on those already in financial distress and just made it worse for their own benefit.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Im a victim of identity theft and you have a FTC Affidavit that I submitted to the Credit Bureau but they refused to remove the fraudulent accounts. I have no knowledge of the accounts and requested the bureaus provide me with information regarding their decision and they are violating my consumer rights by refusing to provide you with proof. i have no knowledge of the following accounts : XXXX acct # XXXX ; XXXX acct # XXXX ; XXXX acct # XXXX ; XXXX acct # XXXX ; XXXX  Acct # XXXX ; XXXX XXXX acct # XXXX ; XXXX XXXX  acct # XXXX ; XXXX and the following inquiries.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer
Consumer complaint received 2024-05-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Persolve, LLC - Legal - Series 2 (OR)

I got a personal loan over 20 years ago! It was turned over to an attorney presolve legal group and they would not let me work a payment plan with them! Now it's on my credit report for an amount of money I will never be able to pay back! XXXX dollars and accruing interest and effecting my credit score. I am a single woman with no family to help me and struggling to make ends meet! Is there any advice u can give me to help me get that debt gone and off my credit report? Any help is appreciated Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC (MI)

Transworld Systems sent a Garnishment to my employment about 3 years ago that looked like an official court Order. So my employer started sending them money, until the amount on the paper was paid in Full.. about 2 month Later they are saying I now owe them more Money in interest.. 
The Credit card was for {$4000.00}. I paid over {$13000.00} They are Now saying I owe $ XXXX interest. I feel that is XXXX XXXX. 

They also sent a Paper that looked like court papers from the Government UNITED STATES GOVERNMENT WAGE GARNISHMENT ORDER I tried to talk to the lady and she said Listen Here I know all the laws for each state and Im not going to sit here and argue with you & then hung up.

I told her it was against the law to impersonate being of Higher power or something you are Not. 

These papers looked like court documents from the federal Government my employer thought it looked Legit & started taking garnishments out of my Checks The total Of {$13000.00} on a Bill that was Only {$4000.00} to start with. Then when the amount of {$13000.00} was paid full that looked like a court order and was not they sent a letter stating I owe {$3500.00} in more interest. To me this is stealing and then should be addressed.
Consumer complaint received 2024-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VIRTUOSO SOURCING GROUP, LLC. (NC)

The business is XXXX XXXX XXXX. I requested and received the amount I paid XX/XX/XXXX for 1 year of home security monitoring which was {$200.00}. In XX/XX/XXXX, I informed XXXX that I would not renew home security monitoring for another year or moving forward. The company still sent me a bill for {$95.00}. I called XXXX on multiple dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to inform the company that I would not pay the bill for {$95.00} for service that I did not renew. 

XXXX filed the balance with a collection agency, Virtuoso Sourcing Group. Upon receiving the collection notice, I contacted XXXX on XX/XX/XXXX to informed the company that I cancelled the service and would not be paying the {$95.00} they claim I owe. XXXX threatened me that if I didn't pay the {$95.00} that it would affect my credit score and ruin my credit. 

After the threat from XXXX, I informed XXXX, a supervisor, that I would file a complaint with the CFPB against XXXX for fraudulent billing, harassment, threats, extortion and malicious conduct, and if needed, file a lawsuit.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

I contacted XXXX XXXX XXXX  to see if they could ask experian to remove this collection from my credit report or to see if it would be a way to remove this paid collection from being in a negative position on my credit report. I was emailed a copy of my payment made to XXXX XXXX XXXX I noticed it is different from the statement on my credit report
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-05-28
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Finance System of Toledo, Inc. (OH)

The end of XX/XX/year> I was told to leave the apartment that I had resided in so that I personally didn't have to face an eviction and was told by the then manager of the building that if I did leave when she told me too I wouldn't have to worry about anything. I do know that I paid {$80.00} dollars for my deposit to move in and was under the impression that that {$80.00} would cover the XXXX hole I know for a fact that was in the wall. I left XXXX couch because I couldn't carry it and that XXXX hole in the wall wasn't big enough to charge me {$1300.00}. I tried reaching out to the XXXX housing and they told me because it's in collections they couldn't help me. I've tried to call and talk with the debt collector to let her know I am currently homeless and I really don't think I owe them that much. There are no pictures to prove that I even did that much damage. I just need some help on this.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nicholas Financial Inc. (OH)

Following my previous complaint # XXXX Nicholas Financial XXXX Account # XXXX XXXXXXXX, is currently DEFAMING MY CHARACTER by furnishing information that should be excluded from my consumer report pursuant to 15 U.S.Code 1681a ( d ) ( 2 ) ( i ) a report containing information solely as to transactions or experiences between me the consumer and the person ( Nicholas Financial ) making the report. This information is causing damages to my CHARACTER, GENERAL REPUTATION AND PERSONAL CHARACTERISTICS serving as a factor in establishing my eligibility for credit to be used primarily for personal, family, or household purposes pursuant to 15 U.S.Code 1681a ( d )
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Continental Central Credit, Inc. (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.