davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC (MI)

First, the company advertises the loan products as an installment loan. The way it is advertised makes you believe that the product offered is personal loan. The best way to describe it is you apply for a loan amount. The bank runs your credit and verifies income. Once approved, the bank will send you the money with the simple terms. The monthly payment, the interest rate, and pay off date. With " Mobiloans.com '', this is the furthest from the truth. The product turns out to be a very expensive ; never ending, PAYDAY LOAN. 

I received a loan for {$1800.00} and paid 1 time per month. Mobiloans.com is debiting our checking account 2 to 3 times per month. Every payment they take is completely different. Some payments they take are {$160.00} and others are {$180.00}. When they take the payments, between {$120.00} and {$150.00} of it is nothing but their fees. Two payments ; possibly 3, per month and {$20.00} to {$30.00} of each payment is going to the principal. The way this is trap is set up ; it will take 30 months to pay off the loan of {$1800.00}. The original loan amount of {$1800.00} will cost me {$9600.00}. One would think that every law in lending has been broken. 

Mobiloans.com has taken XXXX XXXX and XXXX XXXX 's playbook. Everything from the way it is advertised to how the products work is all a scam. The loan was taken out to report to the credit agencies and to help with the overall credit picture. We were trying to paint a picture for VA Home Lenders to finally live the American Dream and purchase a home. 

Something needs to be done with this to protect us as a consumer. There is no way a company should be able to advertise this product as a personal installment loan when it is nothing but predatory payday loans. I am XXXX XXXX  XXXX veteran of the United States XXXX, and we need better protections from companies like this. 

I am filing the complaint to receive some type of assistance. There is absolutely no way in the world I would have signed up for this product had this information been presented to me from the beginning. If the company would have said that the loans were payday loans or cash advances, they would have never been able to receive me as a customer. Everything about this company needs to be published online. Thank You!
Consumer complaint received 2019-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

Looking on my account information I realized I could pay off one of my smaller older student loans totaling {$640.00}. I paid the whole loan online. I went back on my account after getting an email saying my payment was posted. The loan balance now reads that I owe a bit over {$500.00} when it should show a balance of {$0.00}. This is not the first time this issue has come up. The difference is that I am not XXXX anymore and have a handle of my finances enough to note that my payments are not being received as they should. I have made payments on other loans that should have paid the total balance, which did not result in a XXXX  balance due. This is not okay. It is not being resolved. I should not have to pay more to this company than I already have.
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Dear CFPB, My name is XXXX XXXX with last SS # XXXX lives at XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX XX/XX/XXXX. I have found the information from my TransUnion credit report is incorrect that shows collection of {$260.00} from XXXX XXXX. 

The fact is, on XX/XX/XXXX I was scheduled to see my primary doctor at XXXX XXXX XXXX in XXXX, XXXX XXXX for sick visit. And later I received bill shows {$200.00} my responsible for it and my mother helped me contacted them to find out why I got bill for because I know it was covered under my health insurance. And I was told that charge for out patient fee. And I made this clear to register office that bill is not correct for charge because I was scheduled to visit the doctor. 
This is not fair to me. I hope CFPB may help to solve this matter. 
I look forward to hearing your resolve. 

Thank you. 

XXXX XXXX. 
my contact information : XXXX XXXX
Consumer complaint received 2018-03-21
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)

I have numerous credit inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquires and no account attached to them. Transunion is stating that " inquiries are a factual record of filke ''. How are these inquiries factual when I the creditors have no account. These inquiuries are factual permissable purpose but inaccurate. I request for them to be deleted.
Consumer complaint received 2017-09-08
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. (VA)

Data breach on XXXX XXXX 2017.
Their website indicates that I may have been impacted. 

Any negative effects on my credit report due to this must be resolved.
Consumer complaint received 2019-10-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (GA)

No answer couldn't reach customer service. Loan was paid in full for 3-4 days then no log-in access for 3weeks then loan payment was returned ny balance was short {$60.00} plus the returned {$500.00} payment was missing. There is also {$180.00} in savings
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

Mishandling of personal data on a large scale. Not notified for 3 months after the breach, and even then I had to personally attempt to discern whether my information was part of the impacted data ( according to Equifax, my data was part of that potentially leaked ). 

I would like resolution of this issue and to see better handling of such vital, sensitive information.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I got an alert on my credit report saying someone is using my name, bank, bank account, ssi number, and old email I froz that noticed it was from the XXXX market under ground. I dont bank at this place no more and all they tried to use but it will affect my credit score. I will let the bank no of this also. Thank you.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I looked at my credit report upon being released from prison after 9 years on XX/XX/2021. 
There was a debt listed that I had nothing to do with. 
I submitted a complaint with XXXX. 
They " investigated '' and said the info is " accurate ''. 
This is ridiculous. People in prison are highly monitored and can only purchase consumer items with cash. They have records of all Ive purchased and this debt isnt " accurate ''.
Consumer complaint received 2017-09-09
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. (CT)

Equifax Hack " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' ^Same as pretty much everyone who 's complaining today, I imagine. 

Did not enroll in their XXXX XXXX. Pardon me if I do n't trust Equifax to do a competent job of protecting my information.
Consumer complaint received 2017-09-09
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. (AK)

I am one of the millions affected by the Equifax " hack. '' I have filed the 90 day fraud alert, and pulled my credit reports. Do-date I have not been contacted by Equifax, rather I used their online query system to determine this information.
Consumer complaint received 2023-05-07
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. (VA)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any injury and view my credit report. In addition, i did not give you Equifax, XXXX, or XXXX permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best Regards, XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611 and you i
Consumer complaint received 2023-07-07
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. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXXXXXX 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 XXXXXXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2017-10-17
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: JPMORGAN CHASE & CO. (SC)

My wallet was stolen. With my social security card credit cards banks cards. Id etc they tryed to open banks phones credit cards. Loans. And they used my atm card and got my money
Consumer complaint received 2022-09-08
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$92000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$98000.00}.
Consumer complaint received 2017-09-08
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. (CA)

This is about Equifax in regards to the data breach. They sold stocks before letting the public know about the data breach. They wanted to line their pockets before their stock took the plunge. 

And I checked with their website, and according to them my information might be at risk.
Consumer complaint received 2017-09-09
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. (CA)

On XX/XX/2017 I saw reports of a large Data breach at Equifax. I went to the Equifax site and found that my information was compromised as part of the data breach. Equifax has known about this breach for weeks and not notified people that were impacted by this. Also, I am seeing articles stating that Equifax employees sold a bunch of stock prior to the breach being made public.
Consumer complaint received 2024-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

I have had a few debit card disputes with this company and every time they deny my dispute, even if I supply them with sufficient amount of evidence that I should get my funds back. 

My disputes are as follows and attached is the evidence that I sent in with my dispute. 

1. Dusputed on XX/XX/XXXX {$75.00} XXXX XXXXXXXX XXXX ; disputed because the item that I received stop working, which was a XXXX XXXX 2. Disputed on XX/XX/XXXX {$27.00} XXXX XXXX ; disputed because the food that I received was not good quality. Some stuff was overcooked some stuff was undercooked some food items were steal 3. Disputed on XX/XX/XXXX XXXX ; {$23.00} disputed because of the XXXX XXXX that I ordered did not work with my blender. It was not compatible. 
4. Dispute on XX/XX/XXXX XXXX XXXX XXXX ; {$12.00} disputed because I ended up returning the item back and never received my refund 5. Disputed on XX/XX/XXXX XXXX XXXX  ; {$150.00} disputed because after I took my car there, my car started leaking oil, as well as running hot due to them, putting the wrong coolant in my car 6. Disputed on XX/XX/XXXX XXXX XXXX ( XXXX payments ) total {$230.00} ; disputed because the service that I receive was not complete. I did a service to fix the screen on my XXXX. They installed a XXXX product on my phone so it does not work properly. There are times when I tried to click something on my XXXX and Im not able to actually click it. I have a few issues. The battery isnt as well as it was when I dropped it off as well as I cant really use the brightness on my screen properly due to the XXXX XXXX being installed as well as XXXX isnt working as well, which was not an issue prior to reached out to servicer and they did not respond reason why did dispute. 

I asked for what evidence that they use to come up with their decision and all they sent me is that the transactions were authorized. My dispute was never because the transactions werent authorized. I authorize all transactions. The issue is I was never satisfied with the service or item that I received from that transaction which I stated in my dispute. 

And this will be my last time trying to resolve such issue. All I am is requesting that they give me my money back as I am rightfully owed. Or Ill have no other options but to sue.
Consumer complaint received 2023-01-28
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. (FL)

The following companies have appeared on my credit report without me having filed for them. 
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 Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 XXXX XXXX. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

incorrect info on my account. 

XXXX { car Loan } shows a late payment in XX/XX/2020 i am in deferment due to covid-19. so i wont have a late payment on my account. This is incorrect info and has dropped my credit score. 
2. XXXX XXXX. account is current. same info. covid-19 deferment XX/XX/2020 2020
Consumer complaint received 2019-10-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION (OH)

Simple is saying I have tried to open an account too many times, thats the reason theyre unable to open an account for me. After closing my original account with you guys. I tried to apply again and you denied me the very first time I tried to open an account again.
Consumer complaint received 2020-10-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CA)

During a loan application to refinance with Mr. Cooper ( https : //www.mrcooper.com/ ) I was asked to sign a large number of documents online. One of the documents was the California Privacy notice which informed me that Mr Cooper would sell my data to third parties unless I chose to opt out. The electronic forms had no way for me to opt out so I called the customer service ( XXXX ) and spoke to XXXX. After 90 minutes on the phone they said there was no way they could help me and referred me back to the loan officer The loan officer advised that the only way around this was to print the forms ( XXXX of them and sign by hand Mr Cooper are making it deliberately difficult for customers to protect their privacy Other details Loan Officer : XXXX XXXX XXXX XXXX NMLS # XXXX Privacy notice attached
Consumer complaint received 2022-09-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Receivables Performance Management, LLC (WV)

I have an account in collection in my credit report from RECEIVABLES PERFORMANCE. The original creditor is XXXX, I have never had any service from XXXX and every time I go to the store they say that I dont have service with them and that they cant help me. I want XXXX to validate what kind of service I had with them and the start and end date of the service. I wont be responsible of a debt that isnt mine. Please, I need help with this situation because isnt fair. The company never contacted me, I found out when I checked my credit report from XXXX.
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX has continued to report false late payments on my credit history. The vehicle was returned to XXXX XXXX in XXXX of 2019. This account was part of a bankruptcy case that was dropped and a Federal court issued a order for XXXX XXXX to close the account. 

The last late payment shown should have been in XXXX of 2019. The company has violated the FCRA by continuing to report false and unverifiable information. 

The vehicle that XXXX XXXX is claiming to be in my possession they have. Also, XXXX XXXX has failed to follow Georgia law and properly notify me of the sale of the vehicle. XXXX XXXX took possession of said vehicle in XXXX of 2019 and they have yet to make any changes to the balance. Nor have they notified me in writing of the sale of the vehicle. 

A late payment of 30 days is being reported for the month of XXXX. This is inaccurate. The payment in XXXX was only late by 14 days. THE FCRA clearly states that no entity shall falsify any information in a credit file. This is false information. If the XX/XX/2019 payment was only 14 days late, the month of XX/XX/2019 should not read 30 days late.
Consumer complaint received 2017-09-08
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. (CA)

Equifax exposed all of the information needed to commit identity theft to hackers on XX/XX/XXXX and they refuse to protect me until XX/XX/XXXX due to " high call volumes. '' In addition, they will only protect me for ONE YEAR, after which I need to start paying them to protect me. It is outrageous that they are entitled to PROFIT from their inability to protect my non-public personal information.