davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P. (TN)

On XXXX XXXX, 2020, I paid an outstanding XXXX  debt from XXXX XXXX   Group of XXXX to XXXX  XXXX  XXXX. The amount of the outstanding debt was {$50.00}. I have attached proof of payment from XXXX XXXX  XXXX  indicating that I have satisfied the debt in full. 

From the documents that I have attached, you will see that the original collection from XXXX XXXX XXXX was reflected on my XXXX   credit report as of XXXX XXXX, 2020. Once I satisfied the debt, it was subsequently removed from my credit report, as shown on my credit report pulled on XXXX XXXX, 2020. On XXXX XXXX,2020, another collection for the same XXXX  debt from XXXXXXXX XXXX XXXX in the amount of {$50.00} was reported to XXXX  by Paramount Recovery Systems. 

I immediately contacted Paramount Recovery Systems to inform them that this debt was already satisfied through another collection agency. Paramount asked me to send them proof of payment. Paramount indicated that once proof of payment was received, the debt would be considered satisfied and removed from my credit report. They also informed me that they received this debt in XX/XX/2020 from XXXX XXXX XXXX. I have attached documentation showing where I faxed proof of payment to Paramount Recovery on XXXX XXXX, 2020. 

Now, Paramount Recovery Systems is telling me that they can not remove the collection account until XXXX XXXX XXXX instructs them to do so. I've reached out to XXXX XXXX XXXX, who told me they have not received anything from Paramount Recovery and that I need to follow back up with Paramount to get this situation resolved. At this point, I am getting no clear answers from either XXXX or Paramount. Every time I call Paramount and ask to speak to a supervisor, I am told that I have to leave a voicemail and that someone will call me back in 24 hours. I've left at least three voicemails and I've never gotten a return phone call. I'm simply trying to have a debt removed that I do not owe. 

All documentation is attached. Also, I would like to make it clear that I have never received any phone calls, letters or correspondence of any kind from Paramount Recovery Systems relative to this debt. All of the correspondence that I've previously received was from XXXX XXXX XXXX. The first I ever heard of Paramount was when I received a notification from XXXX  that this account had been added to my credit report.
Consumer complaint received 2020-09-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (CA)

I called on Caine & Weiner on XX/XX/2020 to pay a debt of {$120.00} and receive a letter of removal from my credit report. I spoke to XXXX and I was told I can not get letter unless I pay the Misc. Charges ( {$240.00} ) and the interest fee ( {$45.00} ) I expressed to them this is not whats on my Credit report. I should only be responsible for what is on my credit report. I was told that it was illegal for them to add those charges on to my credit. Which questions why is it okay to charge me and say I can only get my letter if I pay off the extra charges.
Consumer complaint received 2022-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights for this account : XXXX XXXX XXXX Opened XX/XX/2015 Stating two 30-day late payments It is in violation due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15 U.S.C 1666B ] A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (SD)

I was contacted by XXXX  at XXXX this morning that there was an account added to my equifax credit file. The alert had no specific information as to what was added so I selected the option that " it was not me '' I called XXXX to find out what was added to my credit file and they did not have any information to provide to me either. I was told to contact equifax and i did but i got agents asking me to take a picture of my id to send to them ( I did not do ) and asking questions that i couldn't possibly answer because they wanted information from decades ago. they stated their system could not verify me ( they can't determine when they have the actual legitimate person on the line ). I went to try to view my credit report online to see what was added and again, their online system could not verify me with the basic information it was requesting ( SSN, DOB, current address, ETC ). I do not have access to my own information but they allow frauds to use my information to get goods and services and then i have to fight with them to find out what is going on. I Cant get a credit report or any information on my credit file.
Consumer complaint received 2020-08-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE (FL)

Good morning! 

I have been working with XXXX XXXX ( Element Funding ) on a new XXXX  property. As we got to the appraisal portion I was advised the appraisal would be {$500.00} and she took my credit card information over the phone. I was then charged {$720.00}. This is not my main issue. 

I am now using a different lender, XXXX XXXX with XXXX XXXX XXXX XXXX. I am working with him group to get the appraisal that I paid for transferred from Element Funding to XXXX XXXX XXXX XXXX. 

XXXX and Element Funding are refusing to transfer this appraisal after numerous requests. I was advised by my attorney to reach out directly to CFPB to file the complain to expedite this process. 

Can you please help get this apprasial transferred. This is VERY urgent. 

Thanks so much. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (FL)

My account was suspended on XXXX XXXX because the company said I could have violated the terms and conditions from when I signed up. I sent the documentation that was requested, a copy of my Identification, social security card, and a proof of a bill with my address. I was told it would take 24-48 hours for a response from the department about my account if it would be reopened or if it would be closed and a check would be mailed to me. After sending the information I still have not hear from the bank I have emailed them several time and called and they are still stating that the account is under review. I have {$1300.00} in my savings account and around {$120.00} in my checking account with them that I can not access
Consumer complaint received 2022-07-11
Product: Credit card or prepaid 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: MUFG AMERICAS HOLDINGS CORPORATION (CA)

This is in regards to fraudulent charges in a Union Bank credit card account. 

1. XX/XX/XXXX I was made aware of a " late '' fee on this Union Bank account for a card which I had never activated or used. I then viewed various transactions that I had not initiated ( see below ) : Transaction History for XX/XX/XXXX Transactions XXXX XXXX XXXX Date Transaction Description Amount XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX GA {$43.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$190.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  {$170.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX {$180.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX  {$190.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$44.00} Total {$850.00} XX/XX/XXXX XX/XX/XXXX 3 % XXXX XXXX XXXX {$5.00} Total Fees This Period {$5.00} I immediately contacted Union Bank and filed a fraud complaint, as I had not made any of these charges. 

XXXX. XX/XX/XXXX I received a letter from Union Bank fraud department acknowledging a fraud dispute had been opened, and to await further word by mail as to any conclusions. 

3. XX/XX/XXXX I received a letter from Union Bank fraud department in response to the fraud claim. However, the amount forgiven was only {$29.00} ( actual total was $ XXXX at that time ). 
I then made several attempts to contact the person listed on the letter, and could not get her on the phone, and her voicemail box was full. 

4. Time between XX/XX/XXXX- Present I contacted the fraud department 2-3 more times and re-initiated the fraud disputes, again with promise to be responded to by mail, but have yet to receive any further response from the fraud department. 

The company closed my account ( involuntarily ) resulting in an immediate XXXX point drop in my credit score, due to reducing my available credit. 

The " Collections '' department continues to make attempts every few weeks to collect the " balance, '' with no coordination between them and the fraud department, and no additional information provided to me. 

5. According to the latest statement, with due date of XX/XX/XXXX, the current " balance '' is {$1000.00}. ( Again, for a card I never used, and charges I never initiated.
Consumer complaint received 2022-11-30
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)

On XXXX XXXX, I used cfpb to file a complaint to Experian to resolve issues on my consumer report to non avail. XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX continues to report on my consumer report. What method of verification was used to validate and/or update these accounts? I am also attaching a copy of deletion of XXXX XXXX XXXX from XXXX XXXX. according to FCRA 15 usc 1681, the bureaus are supposed to notify other bureaus of deletions. Several violations have been committed. I never gave written or oral consent for any information to be reported either. There is also no permissible purpose in reporting pursuant to 15 USC 1681. I am also a victim of identity theft and am attaching a copy of my identity theft report from the federal website ( www.identitytheft.gov ), along with my Drivers license. This report was not made in error, nor did i benefit from the opening of these accounts. Pursuant to 15 USC 1681c-2 these accounts must be blocked no later than 4 business days of receipt and statement that these accts are a result of identity theft. these accounts are causing stress and harm to me mentally and financially.
Consumer complaint received 2020-09-11
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: Experian Information Solutions Inc. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have  got into the hands of the wrong person.
Consumer complaint received 2020-09-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (AL)

Repeated phone calls from different numbers and NEVER leave a voicemail, but whenever I call the numbers back whoever answers doesn't say a company name they just say they're on a recorded line. After looking to see what " debt '' they may be trying to collect I haven't had ANY accounts with companies listed.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX XXXX are trying to add back taxes on to my mortgage that I incurred while with a previous mortgage company. My taxes and insurance have all been accounted for with my escrow. Ive complained enough that I went to refinance with another company and they tried to tell that company that I was behind in XXXX. Thats the month I appealed the previous taxes and was told it was resolved. This company is a scam. I have legal representation that Im currently acquiring.
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (CA)

Purchased a card and loaded it with {$500.00}. Was never able to access funds I loaded when I purchased the card. I was told my identity couldnt be verified even after I provided all information and documentation requested. Netspend advertises that you can use the card immediately following purchase.
Consumer complaint received 2022-04-12
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. (TX)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.
Consumer complaint received 2020-09-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I made the following payments on XX/XX/2020 to these debt collectors and they are referenced on my redacted bank statement which is attached : XXXX XXXX for {$290.00} ; XXXX XXXX for {$390.00} ; XXXX XXXX XXXX for $ {$1000.00} and ; XXXX XXXX XXXX XXXX XXXX for {$140.00}. 

Then I made the following payment on XX/XX/2020 to : XXXX  XXXX {$320.00}. 

Then I made the following payment on XX/XX/2020 to : XXXX  XXXX for {$480.00}. 

These accounts have been paid and to date TransUnion is still reporting them as unpaid. This is prohibiting me from purchasing a home and taking advantage of the great interest rates available. I sent a certified letter to TransUnion received on XX/XX/2020 and they still have not reflected the payment.
Consumer complaint received 2020-09-11
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: Experian Information Solutions Inc. (OH)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have a credit card from XXXX XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX Equifax, XXXX, and XXXX XXXX XXXX  XXXX XXXX with no successful resolution. XXXX Equifax, and XXXX reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.
Consumer complaint received 2022-04-12
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: EQUIFAX, INC. (NC)

EQUIFAX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number XXXX .P. XXXX XXXX XXXX XXXX XXXX XXXX New York, New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the Americas XXXX XXXX Floor New York XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Floor XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX i will be filing form 211 treasury omb forms to audit consumers account. EQIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.