davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (NJ)

A former employer ( XXXX XXXX ) failed to pay the entirety of medical bills for a worker 's compensation related injury. The former employer did not disputed the bills and they paid some lost wages. The hospital ( XXXX XXXX XXXX XXXX XXXX NJ ) is attempting to collect the debt through Midwest Recovery Systems. I believe that the hospital and XXXX XXXX are breaking various laws. My former employer has a legal responsibility to pay the medical bills under state laws. The hospital was aware that this was a workers comp claim, and that in NJ employers are legally responsible for paying medical bills for workers comp cases. 

The account is in collections and might effect my eligibility for a mortgage. I have documents and emails which support my case Please Help!
Consumer complaint received 2023-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (OH)

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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2017-11-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CO)

XXXX claimed that I owed them XXXX possibly XX/XX/XXXX. After retaining funds from two banks accounts, along with the payment made XX/XX/XXXX. This debt was paid in full ( and then some. ) I received a letter today from Transworld Systems Inc. stating that I have a collection account due to non-payment. This is false information as this debt has been paid in full ( on 3 various transactions, through XXXX, XXXX XXXX, and XXXX. ) I also have the letter from XXXX XXXX, at XXXX stating this debt has been PAID IN FULL.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Experian is not removing a closed account-they are showing an open balance which is incorrect. Both XXXX and XXXX have removed this account-years ago but experian has not even after disputing.
Consumer complaint received 2023-01-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NJ)

I have reached out to this phone company and all credit bureau multiple times and even tried disputing this claim off of my credit. This bill was not purchased by me. I never had or have any interest in opening a phone plan with this company. I have contacted the company multiples time and they give me no help. I even given information about me being robbed multiple times and all my information was taken and thats where this problem couldve came from they still dont even allow me to explain myself or even give me any help to get this bill off of my credit that isnt mines
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Im writing this letter to inform all credit bureau, transition, XXXX, XXXX to update the follow account on my credit report known as XXXX XXXX open on XX/XX/2021 the balance of XXXX is incorrect, this account is paid in full as agreed and remains in good standing with lender which I have spoken to lender to provide the verification letter stating this account is pay & full as agreed in closed at a XXXX balence, of excellent payment history on my credit report, which they had stated they will provide this letter and update the account but still hasnt provide the letter or updated the account status. please update this account immediately to its correct balance which is XXXX, pay in full as agreed account on my credit report. If not immediately changed is a direct violation of 15 USC 1681 under my FCRA rights, if this inconvenience is not corrected can cause damages to my credit report or call cast judgement on my credit worthiness with future lenders, if information is not update correctly showing its paid in full and good payment history, please correct and update status immediately
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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 USC 1681. 

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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 states : 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate.
Consumer complaint received 2022-05-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Mediation Recovery Center (PA)

Just got a call on my landline on XX/XX/2022, from XXXX, calling themselves Mediation Recovery Services. Had the same message everybody else is describing. When I called back on my cell phone, I spoke with someone named XXXX, from now XXXX XX/XX/XXXX, who claimed I had an outstanding payday loan from a place called direct cash loans. To my knowledge heard of this company and haven't taken out a payday loan as of late. The last time I took one out was over 15 years ago, and to my knowledge it was taken care of. Also, in the state of Pennsylvania, there are no payday loans allowed, so I am very much questioning this. I continue to ask her questions, in particular about their address, tried to find a website, but she would give me nothing, and said they would send me something in 10 to 15 days, and hung up on me.
Consumer complaint received 2023-01-06
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: Bread Financial Holdings, Inc. (TX)

My credit report shows that XXXX points were taken off my credit score on XX/XX/2022, and the last company to run my credit score was XXXX  XXXX XXXX XXXX in XXXX XXXX XXXX  by a manager/salesman through Comenity bank and XXXX and I was denied the financial loan for XXXX rings. I recently got mail from XXXX of the Finance companies ( Comenity Bank ) stating that I was denied for Fraudulent behavior on my XXXX score, letter was dated XX/XX/2022 and my Alert for the XXXX was dropped on XX/XX/2022 per XXXX and XXXX Report. The last company before this occurrence was XXXX XXXX for a credit card I was approved for.This fraudulent activity can only be linked to XXXX  XXXX Jewelry and Comenity bank and/or XXXX. Comenity bank report to XXXX. Me and my has been looking at out credit reports per all three credit bureaus and there are very weird companies and credit runs from around that time as well as, Comenity bank shows up on my wifes soft inquires on XX/XX/2022 and we only was introduced to that finance company on XX/XX/2022 At XXXX XXXX XXXX XXXX. A month after that first soft inquire was dated as. Comenity bank popped up twice on mine for that day XX/XX/2022 on my soft inquires. This Still has not justified the XXXX points taken out on XX/XX/2022. We have noticed alot of soft inquires from various companies on my wifes credit report per XXXX since then. In which per XXXX they have her social security number incorrect as well. We do believe ( not sure ) that this Fraudulent behavior does has to do with the manager/Salesman and the Comenity bank. I would like to open up an investigation on the behalf of this and pursue legal action for this behavior. The XXXX was the one that ran us for the loans, Comenity bank is showing odd behavior with there deny on me and ONLY being on my soft inquires as well as showing up on my wifes credit report a month before they were introduced to us and the XXXX points that are not justified, seeing how I was denied before the date XXXX reported and verified the points were taken off my credit score. Also, I would like to speak with an agent regarding this matter, due to the fact there is more information regarding this matter, personally. This is 100 % fraudulent behavior and needs to be handled!
Consumer complaint received 2021-04-20
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TOYOTA MOTOR CREDIT CORPORATION (MN)

My monthly payment of {$300.00} for my lease was on XX/XX/21 with a XXXX  day window to make a payment - I have never made a late payment to XXXX and have always been a loyal customer to them. At the time, my XXXX  goXXXX XXXX  with XXXX and I was responsible to care for XXXX and our XXXX. A few days later I got XXXX myself and was very XXXX. Not long after that, my XXXX got it too. We went to my XXXX house to have some help and to be taken care of and at the time, unbeknownst to us, XXXX had sent a letter to our apartment saying our payment was almost due. On day XXXX I received a call from XXXX saying my payment is over XXXX days due ; while I was still on the phone with the rep. I made the payment. Meaning on day XXXX the payment was made and received by XXXX. 
Despite my families XXXX of the XXXX, XXXX immediately reported me to all credit bureaus and DROPPEDMY SCORE XXXX POINTS! This could not have come at a worse time as we are on the market for a house and a good credit score is vital. After calling them numerous times to sort this out with me, they repeatedly refused to help me. I called to ask to speak with the manager and was told all managers were in a meeting and I would get a call back. I never did. I was yelled at over the phone and received awful customer service. I normally wouldn't take the time out of my day to submit a formal complaint, but I had to make an exception for this. Every representative I spoke to was robotic an unpleasant over the phone. They offered no help and no explanation other than " we have to report you and we can not help ''. I am ashamed to be leasing from XXXX and do not plan on being a customer of theirs in the future.
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

As a result to a data breach at my realtors office my personal identity was compromised and misused to apply for and open up accounts without my knowledge or consent. i have taken the steps and precautions to protect myself from any further activity and damage of my personal credit file. i have a police investigation in progress locks for my credit monitoring sites that give me on time alerts and i have an identity theft report.
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Paypal Holdings, Inc (NY)

On XX/XX/23, I received a letter from Paypal XXXX XXXX ) which included : a routing number, a bank account number, a debit card with my name, and my current recently moved into address. I do not have nor have I had business with PaypalXXXXXXXX nor did  I request this card or account to be created. 

I called the number listed on the letter that I received to ask who created this account, when, how was my data received and for clarity in this process. The agent that took my call refused to provide me her employee ID or client identifying number, she refused to transfer me to her supervisor, did not share any details and just transferred me back over the the start of the prompts in the Call Center queue. This makes me think the agent was trying to avoid a quality monitoring or a score that I would receive and did not want to do her job. 

I got in touch with another agent who did provide me with her identifier number, but she just wanted me to disregard the card and the intent they had. She refused to direct me to a person or department that could give me the information I asked for, she refused to say who, what or when the card was issued and said she didn't have that information. This is a lie as its basic CRM practices and due to FTC regulations, they need to keep the data on all accounts they open. On the fifth attempt to get transferred to a supervisor, they made me wait over ten minutes to speak to one.+ Supervisor refused to provide any information except his employee ID and just wanted me to be happy I was opted out of future marketing campaigns, but not acknowledging the issue at hand of how they received my data and how could they delete it.
Consumer complaint received 2022-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mullooly Jeffrey Rooney & Flynn (NJ)

I have a letter dating back to XXXX of XXXX from a debt collector by the name of XXXX and after filing a complaint and sending a debt validation dispute letter back to the company they cease collection activity. Then, XXXX of XXXX I received another letter about the same debt from XXXX XXXX XXXX, and after disputing they cease communication about the alleged debt. In XXXX of XXXX I received another letter about the same debt from a law office by the name of XXXX, XXXX, XXXX XXXX XXXX attempting to collect on the same debt. I sent them another dispute and a Cease and Desist which they have now violated. These debt collectors have violated my PRIVACY RIGHTS, MY CONSUMER CREDIT RIGHTS, AND THE LAWS OF THE FDCPA. I never consented to my personal information being passed around or sold or shared with any of these THIRD-PARTY DEBT COLLECTOR AND ATTORNEY 'S. This is harassment and detrimental to my personal information. XXXX  XXXX XXXX was to issue a 1099C not sale my information to the HIGHEST BIDDER. I have no contractual obligation to none of these debt collectors. XXXX  XXXX XXXX violated the Truth in Lending act and never properly credited my account under 12CFR open ended credit plans. I DEMAND THIS INFRINGEMENT ON MY INTELLECTUAL PROPERTY CEASE IMMEDIATELY. I HAVE ALERTED THE FTC THE FDIC AND THE NEW YORK XXXX XXXX.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (NY)

I have hard inquiries on my credit report The names of these hard inquiries are XXXX XXXX & XXXX the dates of the these fraudulent inquiries as of today. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX On my XXXX i currently getting it disputed Im trying to get a police report, I was told to file a police report. Also on my XXXX I have only three hard inquiries they are XXXX XXXX ( bank ),, XXXX XXXX XXXX XXXX and XXXX
Consumer complaint received 2023-02-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NE)

PHH MORTGAGE, It appears the Payment amount is incorrect and needs to be adjusted properly before payment can be made. ( 1 ) Payment should be {$1100.00}. P & I = {$930.00} ( 2 ) Escrow Deposit {$260.00} ( - ) {$38.00} ( Insurance Escrow is not part of the Mortgage Note PHH purchased from XXXX XXXX This has been proven! Plus Escrow shortage of {$25.00} This Payment amount should be {$1200.00} ( - ) {$38.00} = {$1100.00} or Original Mortgage Note amount {$1100.00} + Escrow shortage of {$25.00} = {$1100.00}. Please correct the payment amount and payment will be made. This is not a late payment it is a lender error. Any questions please Call XXXX XXXX @ XXXX. Please speak English when phone call is made. Thank You XXXX
Consumer complaint received 2023-01-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (PA)

XXXX was contacted to discuss XXXX request for a pause of payment for malfunctioning solar systems. Our system is still not functioning correctly. We were told the issue would be escalated and we would receive a call back about the issue. It has been weeks and we have not received a phone call and payments have not been paused.
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (NJ)

I opened my Truist Checking account on XX/XX/XXXX And I ACH push two transactions into the account, and that's all the activity of this account. 
Then days later, I noticed I had no permission to log in to my account I try to contact Truist Customer Services, Fraud Department, and several Truist branches. All of them said I must walk into a branch to unlock my account or close my account And the nearest branch is 70 miles away from my current address.
Consumer complaint received 2017-11-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: MIDCOUNTRY FINANCIAL CORP (IL)

On XXXX XXXX, 2017 I took a personal loan for XXXX from Heights Financial. I closed the loan and questioned why they were making me sign for credit insurance and an auto reward membership. I asked twice why I had to get these and it was explained that this was part of the loan. I signed the papers brought them home and in further review see I was charged {$530.00} for insurance premuims and {$240.00} for some XXXX XXXX XXXX. I called and asked why this was on my loan on XX/XX/XXXX and was told well you signed it so nothing you can do. If you dont want us pay us off. This is shaddy unacceptable business.
Consumer complaint received 2023-02-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MI)

Back on XX/XX/XXXX, I was all of a sudden unable to transfer the funds I received via paypal, to my bank account or debit card. I never had an issue in doing so previous to this time. I contacted Paypal immediately and they stated that they fixed the issue and to give it up to 48 hrs to correct on my online account. I attempted again a week later to transfer the funds and received the same error message. Contacted Paypal again and after being transferred several times I was told to submit proof of identity which I did. Still no access to my money. I have since called countless times and have been on hold for hours upon hours, and still have yet to access my money. As I am typing this i am currently on hold after calling and asking for a supervisor, for now 1 hour and 36 minutes! I have over {$1300.00} being basically held hostage in my paypal account and the company has been no help and now will not even answer my calls! I need help in getting MY MONEY as I have been trying and trying for 7 months to do so, as it is now XX/XX/XXXX.
Consumer complaint received 2019-07-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION (TX)

XX/XX/2019 I deposited a mobile check. Funds were to be available XX/XX/2019. They deliberately withheld the funds until XX/XX/2019. Meanwhile I incurred three NSF on XX/XX/2019. The check amount was {$330.00}. My bank is BBVA Compass. They refuse to work with me.
Consumer complaint received 2023-02-06
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. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in XXXX of federal law. The XXXX and Equifax Credit Bureaus failed to comply with the XXXX Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX {$2600.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2023-02-27
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: ENCORE CAPITAL GROUP INC. (FL)

A collection agency called Midland Funding, which legally is named Midland Credit management XXXX XXXX has been harassing me and tarnishing my credit report preventing me from re establishing my credit worthiness. I've reached out to them on numerous occasions to inform them that they are trying to collect a debt that was discharged in a bankruptcy ( case # XXXX ) on XX/XX/2016. 
Midland Funding refuses to stop contacting me and also refuses to take the debt they they purchased from XXXX XXXX XXXX  which was included in the bankruptcy discharge included debtors. 
As all three Credit Reporting Agencies are listing this illegal attempt to collect this debt that Midland Funding has repeatedly reported since acquiring ( wholesale bought ) back in 2016 ', and they refuse to stop harassing me and correct their illegal collection practice, they are in direct violation of both the law as well as the codes set forth in the FCRA. This leaves me no choice but to pursue my legal rights as a consumer to involve the proper financial entities to force them to cease and desist their illegal attacks against me and my credit reports. 
please refer to the XXXX  complaint case # XXXX that has been filed and the disputes filed with all credit reporting agencies.