davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (KY)

I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account with the email address XXXX. I believe there has been a misunderstanding or mistake in this matter, and I kindly request a thorough re-evaluation of my case. 

Firstly, I want to emphasize that I have always strived to comply with all of PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a limitation. I value my PayPal account for its convenience and security and would never jeopardize its status. 

I understand that PayPal takes its policies seriously, and I respect that commitment. However, I firmly believe that this limitation may have been imposed in error. I would greatly appreciate it if you could re-examine my account 's activity and reconsider this decision. My intention is to continue using PayPal responsibly, in full compliance with your terms of service. 

In light of the above, I kindly request that you initiate a thorough review of my account. If, upon review, you find that there has indeed been a mistake, I respectfully ask that you reinstate my PayPal account. Regaining access to my account would greatly assist me in managing my finances securely and efficiently. 

I am truly invested in resolving this matter amicably and hope that PayPal can provide the opportunity for me to clarify any concerns or issues that may have led to this limitation. I am ready to cooperate fully and provide any necessary information to facilitate this process. 

Thank you for your attention to this matter. I look forward to your prompt response and the possibility of having my PayPal account reinstated. Your assistance in resolving this situation would be greatly appreciated.
Consumer complaint received 2021-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (LA)

Specialized loan servicing is currently holding {$34000.00} in escrow when my annual combined tax and insurance are {$16000.00}. I have been attempting to get a review and a refund for months. The automated phone system is circular -- it just starts you back at the beginning every time it says its connecting you to the escrow department. And the people who answer the online message submissions outright refuse to help. Even worse, the system does not allow you to respond to their responses ... you have to start all over again.
Consumer complaint received 2021-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

I reached out via email on XXXX.21 and asked who this company was and why they put two different accounts on my credit report, the person responded and was like oh we sent your account over to collections. 

I called them on XXXX2021 ( the collections dept. ) and inquired about the debt. I provided my name, ssn, and dob. None of the identifiers provided matched that account. All they had was my name and an address that I updated thru the postal service. The representative was like I'm not sure what's going on. Put me on hold and then hung up. 

I called the XXXX XXXX  company on XXXX.2021 and told them about the conversation I had with the debt collector. I provide all of the same identifiers and they were unable to attached that account to me besides name & address. I asked them to remove this from my credit profile because this was wrong. I was told someone would follow up with me today and nothing has happened. XXXX!
Consumer complaint received 2021-03-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX has had information provided by myself, for over 30 days, that directly resolve my situation. They have information from myself, the original creditor, the settlement and removal of debt that I negotiated over the course of 3 years, with little to no help from XXXX. 

When I call, they state the information doesn't apply on their end, but my report has not changed. At all, and my app does not reflect, adequately that it has been paid and resolved. 

When I called and waited 30 minutes for a supervisor she disconnected the call when she heard something she didn't like and hung it. I find it hard to believe that a 30 minutes hold, and 5 minutes of a call, filled with tension, caused the phone to magically disconnect. 

No call back was provided. No effort to resolve. 

If you are a credit reporting company, YOU ARE NOT THE GOVERNMENT, for one. You're a company getting favor from the government based on a " service '' you provide. The only point of a credit agency is to report truthful and accurate information. 

XXXX XXXX is resolved completely. 
XXXX XXXX XXXX have been resolved completely. 

This complaint encompasses both because if I don't say anything now, about how the CC took over 30 days. Then I wait, 30 days, and complain about XXXX XXXX XXXX. 

That will take 60 days to resolve based on their time table and I have no way to speed up the process, no way to inquire where they are with the process, the application is faulty, the information is only good for people that want to ruin your credit. 

XXXX  job is to report properly. They are not reporting properly. They are not following the 30 day rule agreed to by Legislatures and governs corporations as well. 

Everyone benefits from credit scores, except for the person that has a score reported incorrectly and XXXX makes no real efforts to assist in the process. 

They care more about showing you a card to apply for, to get a finder 's fee, than they care about actually helping the consumer. 

Stop trying to ruin my future prospects with your XXXX and inattentive acts that by this point, look more like malice than negligence. With a nice sprinkle of XXXX and discrimination.
Consumer complaint received 2021-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

PennyMac is my mortgage servicer. I am obliged to have an escrow with them so they are supposed to handle paying my homeowners insurance and taxes. They failed to pay my insurance premium claiming that they had a problem with the payment. They failed to notify me of this problem until after my insurance expired, opting to mail me a letter after the expiration date of my insurance plan. They then put force placed insurance on my home. Upon receiving notice I promptly resolved their problem for them. I believe that I have been wronged. The servicer must send the first notice at least 45 days before purchasing a force-placed insurance policy. The servicer must then send a second noticea reminder noticeno earlier than 30 days after the first notice and at least 15 days before charging the borrower for force-placed insurance coverage. This notice must include the cost of the force-placed insurance or a reasonable estimate of the cost. ( 12 C.F.R. 1024.37 ).
Consumer complaint received 2022-08-15
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Feldman & Stern, LLC (GA)

An individual from Feldman & Stern , LLC named XXXX XXXX has called me numerous times from an unknown number, leaving threatening emails about suing me for debt. He never provides his business name on the voicemails. He ask that I call him at an 800 number. I was finally able to find the number and spoke with XXXX XXXX. He said that he was going to sue me today if I did not pay debt owed to XXXX XXXX. He stated that he was collecting a collection account. I told him that I had not received documentation that I owed money as required under the FDCPA. I informed him that I had the right to receive written notice and 30 days to request verification of the debt. He responded by saying he sent notice to my email address. I have the phone call recorded. He then pressed me to pay the debt today or I would be sued immediately. 

The individual has also contacted my mother twice and father in law once. In all three calls, XXXX XXXX stated that he needed to know where I live because I owe a collection account and he is going to sue me if they do not disclose where I reside. My mother informed him that he could not call her again after the first call, but he called anyways with threatening language. I informed XXXX XXXX that he was violation of the FDCPA by disclosing this information to a third-party during my phone call with him. 
He said stated that he did not speak to my mother twice and only left a voicemail once. 
I told him that the second call was recorded as I informed my mother to record any calls from him going forward. 

XXXX XXXX has also called my employer and disclosed that he is a debt collector looking to collect debt owed by me. This is again in violation of the FDCPA. 

I recorded the phone call between me and XXXX XXXX which can validate all claims stated above. I also have the recorded call with my mother and XXXX XXXX where he told her that he was collecting debt and was going to sue me. This again was after he was told not to contact her again. He was very hostile. 

Note that XXXX & XXXX was sued in 2018 for violating the FDCPA and the Plaintiff 's were awarded a summary judgment to include punitive damages. Additionally, the Florida Attorney General issued a written warning to Feldman & Stern in September 2020 for failing to provide written verification of debts and orally representing themselves as attorneys.

The business address for Feldman & Stern is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX This address is a XXXX XXXX. The blocked phone number that I was able to unmask is XXXX. The number that XXXX XXXX tells me to call him at is XXXX. He leaves very threatening voicemails. I again have not received written verification of the debt he asked me to pay over the phone and, even after informing him of this and that not providing such is a violation of the FDCPA, he still tried to collect by stating that he sent an email.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2020-11-13
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and fraudulent actions. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and DELETE the accounts that were opened by fraud as per FCRA Section 605B ( a ). 
This fraud under my name and personal information are unacceptable. The listed accounts are unknown to me and they are inaccurate. My payments have been stellar and I dont remember missing a payment. Please block or remove these accounts from my credit report, pursuant to the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My lease date ended XX/XX/year>. I have documented this with emails sent to me from XXXX XXXX XXXX, The lease I signed for a new apartment shows I vacated on the day of the lease ending. The move-out report shows this was not due to any damage. Yet, they continued to assert this debt belonged and refused to supply anything to validate it. 

The office at XXXX XXXX XXXX had a new staff and they had my lease dates incorrectly put in their file. I let them know when I was leaving ( the date of my accurate lease agreement ) and then they charged me for breaking the lease, even though the lease was complete. 


I sent this information to all three credit bureaus, and they ignored my indisputable evidence, and did not supply me with proof of their claim. 
They just stated the collection companies reaffirmed the debt. 

This false reporting is affecting my ability to apply for credit, and is financially burdening me.
Consumer complaint received 2021-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: States Recovery Systems, Inc. (CA)

In late 2019 a fraudster stole my identity and opened several accounts fraudulently in my name. I learned of the fraud from XXXX XXXX and immediately acted, including freezing my credit, filing a police report, and completing all required paperwork from the companies the fraudster successfully and unsuccessfully attempted to commit the fraud. 

One of the accounts that the fraudster successfully opened was a credit card account with XXXX XXXX XXXX XXXX. By the time I learned of the fraud the fraudster had spent $ XXXX. XXXX XXXX XXXX XXXX closed the account, and XXXX, XXXX, and XXXX all removed the account from my credit history. 

Then, months later, I started receiving letters from a debt collector that I had been sent to collections for the outstanding balance on the XXXX XXXX XXXX XXXX account, opened and executed by the fraudster. I have called both the collector, XXXX XXXX XXXX, as well as XXXX XXXX XXXX XXXX and neither provide any help what so ever. XXXX XXXX XXXX simply tells me that the only way they can remove the account from collections is by XXXX XXXX XXXX XXXX revoking the collection. When I call XXXX XXXX XXXX XXXX, my call is repeatedly transferred, the call is dropped, there is no clear department or number to reach out to. I reached out to the woman in the XXXX XXXX branch who helped me file the XXXX XXXX XXXX XXXX required paperwork when the fraud was initially detected, however she is no longer with XXXX XXXX XXXX XXXX, and her replacement began to help me but months have passed and nothing has happened. 

The collections account is bringing my credit score down and I am trying to buy a home- this situation is incredibly frustrating. Please help.
Consumer complaint received 2020-09-10
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. (FL)

Fraudulent accounts were opened using my identity. These accounts are having an adverse effect on my credit files. Experian, XXXX, and XXXX are reporting accounts that are not mine and are allowing these collection agencies report false information.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX Dear Debt Collector I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confiriming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information.

1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claimed is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-11
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. (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX XXXX XXXX  ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
XXXX XXXX XXXX XXXX is aware and has proof in the attachment labeled as Exhibit B. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 
The inaccurate reporting of both my account status and payment status by ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts on my report.
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (VA)

I applied for and was granted an American Express Green Credit Card with no pre-set limits in XX/XX/XXXX for my business XXXX XXXX XXXX XXXX XXXX XXXX. 
Two cards were ordered, one for me and one for the Vice President / Operations Manager to conduct the daily business of the company. XXXX and XXXX are slow months in our business and we used the card frequently, we prepare tax returns, accounting, and other financial services to the General public and our XXXX revenue was over $ XXXX. The Cards were approved, despite there being XXXX in purchases between XX/XX/XXXX and XX/XX/XXXX. The stated amount to pay was paid on time for the total amounts charged in XXXX XXXX {$1000.00}, and XX/XX/XXXX ( {$3300.00} ). 
American Express reached out to me about my high balance and they were assured that these purchases were authorized, payments were on time and we had no pre-set spending limit. I was told that my card was being suspended until they did a financial review of my income. I found that strange because the cards were for my business not for personal reasons, these actions should have been taken prior to authorizing the credit in the first. I found out about the suspension of our cards when attempting to make a {$120.00} payment for a license I needed and I was embarrassed to find out that my charge was denied without warning. Did I mention that my cards had no pre-set spending limits? My personal income is low because I don't take a salary from my company due to XXXX. However, I have good credit and they approved me instantly upon applying. I have had to make two on-time payments since opening the account and despite making these on-time payments my account was closed on XX/XX/XXXX by American Express. They requested income information and I provided them with my business income and permission to collect it from the IRS on form XXXX. 
I feel violated, discriminated against, quite embarrassed and damage to my companies ability to conduct its business. Is this legal? Please help.
Consumer complaint received 2020-09-11
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: TD BANK US HOLDING COMPANY (CA)

I have unauthorized hard inquiries from XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, TD Bank USA/ Target C XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX   XX/XX/XXXX these inquires were not made by me and need to be removed
Consumer complaint received 2021-10-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC (PA)

I have called Amerihome at least 15 times over the span of XX/XX/XXXX - XX/XX/XXXX to receive my escrow refund for school taxes in the amount of {$3500.00}. I refinanced my mortgage with another company " XXXX XXXX  '' and they collected my school taxes at closing and they were recently paid to the school tax collector. When I refinanced, Amerihome claims they sent my school taxes to the tax collector. I spoke with both the township tax collector and the school tax collector and they claim they never received my school taxes. The school tax collector also stated they would not accept early payment of taxes anyway and the money would be sent back. My escrow disbursement for school taxes occurred on XX/XX/XXXX and Amerihome will not provide me with any additional information on where they sent the taxes other than claiming it was sent to the school tax collector. Clearly, they did not send the monies to the proper party or they still have the funds. Amerihome has to be the most incompentent company I have ever dealt with in my life. Every time I call I get a different answer from a representative and they refuse to put me in contact with a supervisor to attempt to resolve the situation.