davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-26
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL (OR)

I purchased a new bed in XXXX and financed it with Synchrony Bank. I almost did not buy the bed because the payment was too high. The Manager at XXXX dealt with the financing and told me the payment would be $ XXXX/per month. I have this in email, I agreed to buy the bed. I received the first bill and the payment was not what I was told it would be and was $ XXXX/per mo. I tried to return the bed but I was not receiving a response to my calls or emails regarding this. I then had to move states abruptly and in doing so it seems I missed a payment. I have received nothing but harassment from the bank. I do not understand how if I was one payment late, how can I make 3 payments in one month and still be getting these calls that I am behind. I have good credit and pride myself on paying my debts. I have not received an accounting of my account and I want the constant harassment to stop. I have seriously paid out {$490.00} dollars in one month on an account that the payment is {$110.00}. HOW AM I STILL LATE???????
Consumer complaint received 2023-05-15
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. (TX)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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
Consumer complaint received 2023-05-15
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. (NY)

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (DC)

I do not have an agreement with any company and do not own this account. 
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. This company has No permission to report anything using my information to pursuant 15 USC 1681 4. I am asking for this to be deleted from my credit report. 

XXXX XXXX XXXX # XXXX
Consumer complaint received 2016-06-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: R & B Corporation of Virginia (VA)

I contacted Credit Control Corporation about a recent medical bill that is being handled by insurance. I also called regarding an old erroneous debt that a lender stated that I needed to pay even if the debt is disputed & not valid. After contacting the company, they read notes in the account to show that I contacted them in XXXX regarding this debt which validated what I told the representative which is that this should not be a debt on my credit report because a money order was mailed to pay for this debt even though I am not responsible for this debt. I was advised that this debt ( $ XXXX {$67.00} XXXX XXXX ) would not be reported because it was being disputed, etc. However, months later it was reported & I called back regarding the debt and no supervisor, etc followed up with me to remove the debt as it was stated would be done. Fast forward 4 years, I contacted them to get this resolved because it is still lingering on my credit report, and I have been hung up on, advised no one can assist me there, advised I can not dispute this debt, and advised that it would not be removed even though I was told twice in XXXX it would be & there are notes in this " account '' there to show this. Shortly after a conversation with an employee who stated that she was a supervisor turned negative, a debt from XXXX XXXX popped on my credit report. This was never reported prior to the conversation with this rude individual. In addition, I was never notified on this debt ; I was never advised that this can be disputed, and I have no knowledge of this debt. I became aware of it through a credit monitoring service in which I subscribe. Through the credit report from my credit monitoring service, I saw that the " original creditor '' is XXXX XXXX. I did not authorized the services or treatment of XXXX XXXX during the time it was stated that this debt was delinquent. In XXXX, all my medical appointments were provided through military-affiliated services XXXX This debt all of a sudden reports on my credit report due to retaliation by employee ( s ) at this company who hung up on me as well as stated that she can not help me. This is in violation of my rights, and reporting this invalid, erroneous, and inaccurate date is damaging to me which is what the individual ( s ) who did this was trying to accomplish. I am not responsible for this debt. This debt is not valid, has not be validated, and I have never been made aware of this XXXX debt so I can exercise my rights as an XXXX citizen to dispute it. The timing is impeccable - 2 years after it was stated that it was delinquent. A year in which I never utilized or authorized the services of this group. Please investigate XXXX erroneous medical collections with this company & assist me. Thank you
Consumer complaint received 2016-06-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TX)

Summary : There is a default judgment on my XXXX credit report for a defaulted credit debt that is not my debt. How do I remove it? 

This complaint concerns XXXX businesses : XXXX XXXX XXXX XXXX XXXX ( credit grantor, wholly owned by XXXX XXXX , XXXX ) Midland Funding LLC ( collection agency assignee ) The Law Office of XXXX XXXX XXXX, XXXX. ( legal reps of Midland Funding LLC in debt collection civil litigation ) In XX/XX/XXXX, I was served notice of pending legal suit for a person named " XXXX XXXX XXXX XXXX XXXX XXXX. '' I am not this person. I have never used either name to apply for credit. My name is similar. I was served at my residence. 

Attorney XXXX XXXX mailed to my residence 2 letters seeking settlement of a defaulted credit debt in XXXX XXXX ( prior to suit ) and XXXX XXXX ( after filing suit ). He represented Midland Funding LLC, a debt collector assignee of credit grantor XXXX XXXX. XXXX. XXXX XXXX ( XXXX XXXX ). In XXXX XXXX, Midland Funding mailed a letter to my residence informing me for the first time the existence of this debt. 

I answered the complaint with an affidavit denying all allegations in the complaint, including that I was not the defendant. They served the wrong person. Apparently, a default judgment was entered in XXXX XXXX. Shortly thereafter, the judgment appeared on my credit report. 

I want to get it removed. 

How do I do that? 

Do I have to file a motion to vacate with the court, even though the name on the judgment is " XXXX XXXX, '' not mine? Can the judgment be vacated because the real debtor was never served? 

Do I contact the attorney XXXX, who I sent my certified mail my sworn affidavit denying it was my debt? 

Do I contact Midland Funding, the debt collector? 

Or do I have to go to the original grantor of the credit and dispute everything? 

Should n't Midland Funding, and its Attorney XXXX, be held responsible for ruining my credit possibilities ( I 've been turned down numerous times because of this error )? The judgment is for {$4100.00}. 

Thank you for whatever help you can provide in resolving this issue.
Consumer complaint received 2023-05-15
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. (NJ)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2016-10-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

I filed for Chapter XXXX Bankruptcy on XXXX/XXXX/2016 at which time I requested affirmation paperwork from OCWEN my mortgage holder. The week after my filing, OCWEN stopped reporting my payment and reported my account was delinquent. My account has never been delinquent as shown in the attached documents from the OCWEN website. I file a complaint with XXXX and XXXX and OCWEN has refused to update my credit record to show that the account was current. On XXXX/XXXX/2016 OCWEN finally sent the affirmation paperwork to my lawyer, on XXXX/XXXX/16 I signed the affirmation paperwork and my lawyer submitted. Today XXXX/XXXX/2016 I was notified that XXXX that per OCWEN ( see attached ) that my account went delinquent on XXXX/XXXX/2016 and there has been no payments since then. I am asking for your help to get OCWEN to report my payments and account status accurately. ( never late and current )
Consumer complaint received 2023-05-15
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. (MS)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-08-07
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: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-05-15
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. (TX)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Tha items are listed below that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXXXXXX Balance : {$4800.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXXXXXX Balance : {$630.00}, XXXX XXXXXXXX Balance : {$0.00}, 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
Consumer complaint received 2023-05-15
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. (NY)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-10-26
Product: Credit card — 
Issue: Other — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

On XX/XX/XXXX, I sent a letter to Portflio Recovery Associates, LLC to dispute account ending XXXX on my credit reports. I did not receive a response to the first letter so I sent another letter on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Portfolio Recovery Associates , LLC stating that in response to my dispute they have enclosed additional documentation for my review. The letter states that they have completed their investigation concerning my dispute and the attached documents related to the account establish validity. Enclosed with the letter is a statement for a billing cycle from XX/XX/XXXX-XX/XX/XXXX in the amount of {$220.00}. This does not validate the debt reported to the credit bureaus. The balance reflected on my credit report is {$890.00}. On XX/XX/XXXX I received two letters from Porfolio Recovery Associates, LLC, the first letter provides details of the original creditor and the second letter advises me that any any further correspondence received would be ignored if no new information to form a new investigation is included. This is not a debt I owe and did not have an account with XXXX XXXX XXXX.
Consumer complaint received 2023-08-07
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX {$8700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

This credit card account was reported lost/stolen. However, upon reviewing a copy of my credit report, this is account is still negatively affecting my account as " Negative and late payments. '' ( See attachment below ). 
I have already reported this to the XXXX credit agencies to correct this, however, it has still not been removed. See letter below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX Equifax XXXX To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX # XXXX XXXX 
Late Payments : XX/XX/2023, XX/XX/2023, XX/XX/2023. 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Thus, please delete the above late payments from my consumer report, as this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] XXXX XXXX
Consumer complaint received 2023-08-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (TX)

PayPal permanently limited my account. All of my savings is currently in my PayPal savings account. They told me I can not use PayPal anymore and that I must wait six months in order to withdraw my money. This was completely unexpected and they refuse to tell me why. The reason they give is that their back office team has deemed my account to be involved in risky activities or behaviors. They refuse to tell me what these activities or behaviors are. Whatever the reason, Im quite positive that it was either a mistake or something that can easily be explained. I dont understand how they can take such drastic action without giving me a chance to defend myself.

Now I am supposed to wait six months before I can gain access to my own money. This has caused me and my family a lot of stress. I have a XXXX XXXX XXXX XXXXXXXX XXXX. What will happen if my family has an emergency within the next six months?

PayPal has not been transparent with me. I believe their practices to be unethical. 
They have told me that PayPal reserves the right to refuse service. Absolutely they do! I fully agree and support their right. Heres the problem. I am not asking to resume using PayPals services. I do not want anything to do with them. What Im asking for is access to my own money so I can withdraw it to my bank account and then be done with PayPal forever. I am asking for this right now - not six months from now.
Consumer complaint received 2023-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 an account without my written instruction.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX. 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 item 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 2016-10-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Payments to Toyota Financial Services set up by me as auto BANK payments, however TFS has repeatedly charged late fees even though I have bank documentation of the date DELIVERED BY. 
Fees are & gt ; {$35.00} for a monthly payments of {$750.00}. The next month an additional {$15.00} is charged. 
XXXX