davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (CA)

I have fully repaid the loan I received from this company. The company will not release the debt. Actually, I have triple repaid the full loan amount and the company insist that the full monthly payments of {$510.00} be made. I obtained a loan in the amount of {$5000.00}, XX/XX/2015. The monthly payments were {$510.00}. I've paid a total of {$15000.00} which is three times the amount I borrowed. I am struggling to make the payments and the company refuses to take an extension or let me make partial payments.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (OH)

I went to XXXX XXXX to workout on XX/XX/XXXX around XXXX for about 3-4 hours I put my gym bag in the locker room along with my personal items like my wallet, phone and other belongings. 


While I was working out someone went into the locker room and stole my belongings they were able to get XXXX $ out of my Us bank account and spend money on my credit cards as well. 

XXXX XXXX  started their on investigation and we both contacted the XXXX police department
Consumer complaint received 2024-08-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nair & Levin, P.C. (CT)

i have entered a payment plan with XXXX XXXX. despite my payment plan being current i have received 2 notices of my account being sent to collcetions. the collection agency is XXXX XXXX XXXX, file # XXXX
Consumer complaint received 2017-06-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zimmerman & Zimmerman, P.A. (KS)

This case filed Satisfaction of Judgment on XXXX/XXXX/XXXX per XXXX XXXX XXXX XXXX On XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX a Wage Garnishment for the same account knowing that the amount was paid in full. Attempts to contact them have resulted in a road block. The amount paid was XXXX in XXXX. We have also contacted XXXX XXXX XXXX ( formally XXXX XXXX ) and they are also confused as to why this account is still active. They also only issued a Satisfaction of Judgment for the person whom paid the account in full instead of issuing it to both parties since they were on the same account.
Consumer complaint received 2024-08-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (TN)

My vehicle was broken into which my wallet and phone was stolen from my vehicle. I've contacted Navy Federal on multiple occasions about this issue. My credit card account ending in XXXX has now maxed out. With multiple interest charges and the charges were not dismissed and now I am expected to pay XXXX XXXX. Which I am now reliable for these charges as the disputes were not cleared or investigated correctly.

I also disputed a few charges in my XXXX I was made liable to pay for the XXXX XXXX dispute as navy federal has pulled money from my accounts to pay for these charges I did not make.
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have a Child Support of {$600.00} ( Court Ordered ). This amount is automatically deducted from paychecks every pay period. XXXX XXXX XXXX XXXX reports this account to CRA. I have been disputing the accuracy of this account for over 4 months multiple times. I have provided documentation including but not limited too : Paystubs ( 4 in total ), Copy of Order for {$600.00}, Copy of Payment Ledger from XXXX XXXX for this account, Copy of CHAT Transcript with XXXX XXXX substantiating my claims and more. CRA FAILS to update account accurately or when they do, the very next day they change it back. They are reporting FAILURE TO PAY, MORE THAN 120 DAYS LATE, Improper monthly payment requirement of {$2000.00}, Completely inaccurate Payment History for past 48 months. They FAIL to look at the documentation and just keep reporting something different each dispute. My rights under the FCRA require ACCURATE REPORTING, my rights under the FCRA require the CRA if they feel their is ANY DOUBT to the information being reported they MUST remove it. Being I have provided the COURT ORDER, COPIES OF MY PAYSTUBS, COPIES OF XXXX Records, and more they have more than sufficient information to have DOUBT if NOT EVEN CORRECT IT PROPERLY. With 4-5 disputes filed already, they make me file a NEW DISPUTE every time even though this has been the same problem from the beginning. They are clearly violating my rights under the FCRA in reporting information which CLEARLY inaccurate. I take my child support and my credit very seriously and I feel this is being done intentionally or being handled by someone who is NOT PROPERLY INVESTIGATING THE DISPUTE. Attached the complaint : LETTER to XXXX XXXXXXXX, COPIES OF CRA 'S inaccurate reporting, COPY of CHAT TRANSCRIPT with XXXX, COPY OF PAYMENT LEDGER to XXXX XXXX, PAYSTUBS showing the corresponding deductions, COPY of ORDER of $ XXXX/mo. ALL of this information has been provided to the CRA previously as well. All of this information is VERIFIABLE.
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

On XX/XX/2018 i submitted a dispute regarding an old account which is appearing past the statue of limitations. FCRA law requires accounts past 7 years be deleted and not rpeoterd. I asked these companies to delete these illegal accounts and have gotten no response besides a general " we are working on it ''. I have been disputing this account for many months now and I am defeated and getting no where with these bureaus who are ignoring me and prolonging their removal of this account from my credit reports. I have been patient but now I am contacting and attorney if this dispute goes ignored. I have attached the derogatory account that is ink question, Please see my disputes on XX/XX/18 # XXXX and # XXXX The response make no sense. the accounts never indicated they are being disputed in these 40 plus days I have been patiently waiting. what is going on? please respond and delete this account immediately.
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CT)

On XX/XX/XXXX I received an alert from XXXX stating that a lender reported a balance of XXXX and that I was XXXX or more days late. This account has been charged off since XX/XX/XXXX without any billing statements sent since XX/XX/XXXX the charge off amount was around XXXX. XXXX XXXX continues to charge interest on a charged off account without sending or generating bills which is a direct violation of the truth and lending act. XXXX XXXX  liaison XXXX XXXX continues to ignore the law and has also marked all my complaints as duplicates when they are not. Each month XXXX XXXX sends a new amount to the credit agency on a charged off account hence there's new complaints to be sent in. I have filed a writ and summons against the company to appear before a judge in CT superior court and also have filed complaints with the ct department of banking.
Consumer complaint received 2018-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blitt and Gaines, P.C. (IL)

Blitt and Gaines is acting as a debt collection agency. And is not licensed for it in the state of Illinois. Which it is required to be licensed if you are collecting directly or indirectly under the Illinois Collection Agency Act. 

I realize that there is an exception to the law, if it is a law firm. But the requirement for this, is that the the law firm must practice other area 's of law as well. And this is not the case with Blitt and Gaines.  They are 100 % a debt collection agency. 

They refer to themselves in emails and letters as debt collectors. If you visit their website and click " contact us '', they state they are debt collectors. They have job postings for call centers, only to collect debts. No other law firm does this. 

100 % percent of their cases in XXXX, IL are debt collection cases. Over 300 cases! And if you check other cities in Illinois you will find the same thing. 

If they refer to themselves as debt collectors and 100 % of their cases are debt collections. Than they are a debt collection agency. And need to be licensed. 

I also have evidence that they will refuse to take another form of law from a client, since its not a debt collection case. And the type of law, is listed on their website, as an area of practice. Just email me your fax number, and I can fax it to you. 

They claim to practice Commercial Real Estate litigation on their website. When contacted, they will not take a case for that matter. 

They will only accept debt collection cases.
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have a XXXX  XXXX of {$600.00} ( XXXX XXXX ). This amount is automatically deducted from paychecks every pay period. FLORIDA XXXX XXXX XXXX reports this account to XXXX. I have been disputing the accuracy of this account for over 4 months multiple times. I have provided documentation including but not limited too : Paystubs ( 4 in total ), Copy of Order for {$600.00}, Copy of Payment XXXX from FLORIDA XXXX for this account, Copy of CHAT Transcript with Florida XXXX substantiating my claims and more. XXXX FAILS to update account accurately or when they do, the very next day they change it back. They are reporting FAILURE TO PAY, MORE THAN XXXX DAYS LATE, Improper monthly payment requirement of {$2000.00}, Completely inaccurate Payment History for past XXXX months. They FAIL to look at the documentation and just keep reporting something different each dispute. My rights under the FCRA require ACCURATE REPORTING, my rights under the FCRA require the XXXX  if they feel their is ANY DOUBT to the information being reported they MUST remove it. Being I have provided the COURT ORDER, COPIES OF MY PAYSTUBS, COPIES OF XXXX XXXX, and more they have more than sufficient information to have DOUBT if NOT EVEN CORRECT IT PROPERLY. With XXXX disputes filed already, they make me file a NEW DISPUTE every time even though this has been the same problem from the beginning. They are clearly violating my rights under the FCRA in reporting information which CLEARLY inaccurate. I take my XXXX XXXX and my credit very seriously and I feel this is being done intentionally or being handled by someone who is NOT PROPERLY INVESTIGATING THE DISPUTE. Attached the complaint : LETTER to FLORIDA XXXX, COPIES OF XXXX 'S inaccurate reporting, COPY of CHAT TRANSCRIPT with XXXX, COPY OF PAYMENT XXXX to FLORIDA XXXX, PAYSTUBS showing the corresponding deductions, COPY of ORDER of $ XXXX. ALL of this information has been provided to the XXXX previously as well. All of this information is VERIFIABLE.
Consumer complaint received 2018-03-10
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: DISCOVER BANK (NC)

I have contacted the credit reporting agencies numerous times over the past year to have them dispute these credit inquiries from my credit report. Each time I have called and asked to have them to dispute the inquiries they have informed me to call the creditor directly to have them to correct the error. How can I contact the person listed on my credit without all the information needed to dispute it directly with the person that put it on my credit report.
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

On XX/XX/XXXX I received an alert from XXXX stating that a lender reported a balance of XXXX and that I was XXXX or more days late. This account has been charged off since XX/XX/XXXX without any billing statements sent since XX/XX/XXXX the charge off amount was around XXXX. Capital one continues to charge interest on a charged off account without sending or generating bills which is a direct violation of the truth and lending act. Capital ones liaison XXXX XXXX continues to ignore the law and has also marked all my complaints as duplicates when they are not. Each month capital one sends a new amount to the credit agency on a charged off account hence there's new complaints to be sent in. I have filed a writ and summons against the company to appear before a judge in CT superior court and also have filed complaints with the ct department of banking.
Consumer complaint received 2018-03-10
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (OH)

On XX/XX/2016 XXXX XXXX used my social security number to do a hard inquiry on my credit report without my consent. They never asked for my consent to check my credit report and I never gave my permission. This inquiry shows up on my XXXX and XXXX  credit reports. When you fill out an application on their website, you are prompted to enter your social security number. The website states that your credit will not be affected. You are never asked for your consent for XXXX XXXX to check your credit. I would like for this hard inquiry to be removed from my XXXX  and XXXX  credit reports.
Consumer complaint received 2018-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

I have disputed this account 3 times, and it keeps comming back as verified. This account was deleted by XXXX  as unverifued please remove this account or send me a signed contract of this debt under FCRA section XXXX.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: The Aligned Company DBA Extra (FL)

In the CFPB complaint case # XXXX your company responded that this account was an Extra debt card by your own admission your company is reporting a debt card transaction. That violates 15 usc 1681 ( 2 ) definition rules of construction 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. 
The above law states that my consumer report does not consist of TRANSACTION OR EXPERIENCES between me the consumer and you the person making the report. Late payment is an experience any transaction with this Extra debit card is a transaction. 

15 USC 1681a ( ) ( 3 ) ( 3 ) Debit card. The term " debit card '' means any card issued by a financial institution to a consumer for use in initiating an electronic fund transfer from the account of the consumer at such financial institution, for the purpose of transferring money between accounts or obtaining money, property, labor, or services. 

Exclusion in 15 U.S.C. 1681 ( 2 ) clear as day the word exclusion means the process or state of excluding or being excluded the definition and consumer reports does not include ( debit card transactions or experience )
Consumer complaint received 2018-03-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

I have several complaints on file that are marked as closed simply because they accepted the complaint. This is ridiculous. They not only escrow, processed incorrectly charged excess fees but they stole my property. Now post bankruptcy they are calling and harassing me for payments. Ocwen called from XXXX @ XXXX ; XXXX XXXX XX/XX/18. XXXX XXXX said I missed my XX/XX/XXXX payment and I should call XXXX or send payment. 
Federal Law states they can not do this. Now what do I do. I am financially broke!
Consumer complaint received 2018-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (VA)

Someone hacked my credit card and charged a number of XXXX charges, all for delivery to the same address in New Jersey. 

I immediately cancelled my credit card and wrote to XXXX at least four times in response to their bills, telling them these were fraudulent charges. 

XXXX has passed the debt on to a debt collector after I wrote them, and the debt collector mails demands for payment. The file # at the debt collector is # XXXX, and the debt collector is : Transworld Systems Inc. 
XXXX. XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Consumer complaint received 2024-08-06
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. (GA)

XXXX 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 USC 1681. 

XXXXXX/XX/XXXX : # XXXX, XXXXXX/XX/XXXX : # XXXX, XXXX XX/XX/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 a 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 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

I am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX account ( # XXXX ) on my credit reports with Experian XXXX XXXX XXXX and XXXX XXXX The discrepancies between the credit bureaus reporting regarding this account are significant and damaging. I demand the immediate correction or removal of this account from all credit reporting agencies and request a thorough investigation into these inconsistencies. 

Inaccuracies Identified XXXX. Date Opened : Experian and XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. High Credit : Experian and XXXX : {$3900.00} XXXX : {$0.00} XXXX. Last Reported Date : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : Experian and XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX These discrepancies in reporting, particularly concerning the high credit, last reported date, date last active, and date of last payment, indicate inaccuracies in the information being reported. 

Violations and Impact The inaccuracies in the reported information violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. Inconsistent and incorrect information can negatively affect my credit score and financial reputation, leading to potential denials of credit and other financial opportunities. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.
Consumer complaint received 2024-08-06
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: Experian Information Solutions Inc. (NY)

As I was checking my credit report, there's inquiries in it that I don't recognize which is very alarming, I did not authorize these nor given consent to the companies to pull up my credit report, it is XXXX me out and making me XXXX
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. My information was used maliciously which affected my credit card usage. 

I have made an attempt to dispute XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX with the reporting agencies to resolve this issue but i have not received any help. 

The agency and furnisher are in direct violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.