davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (SC)

Subject : Urgent : Cease and Desist Unauthorized Reporting on my Credit Dear Paramount Recovery, I am writing to express my deep concern and frustration regarding the unauthorized collection account that you have reported on my credit profile. To my knowledge, I have never given Paramount Recovery permission to engage in any collection activities on my behalf.

Under the Fair Credit Reporting Act ( FCRA ), specifically under Section 604 ( a ) ( 3 ) ( F ) [ 15 U.S.C. 1681b ( a ) ( 3 ) ( F ) ], a consumer reporting agency may furnish a consumer report for the purpose of collecting an account only with the express permission of the consumer, which, in this case, I have not granted.

Furthermore, under Section 605 ( b ) [ 15 U.S.C. 1681c ], consumer reporting agencies are prohibited from including adverse information in a consumers report unless the agency has verified the accuracy of the information within a reasonable period and obtained the necessary permission to include such information. Paramount Recoverys reporting of this unauthorized collection account without my explicit consent constitutes a direct violation of this section.

Additionally, under Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in the preparation of consumer reports. The inclusion of an unauthorized collection account, for which Paramount Recovery lacks the proper permissions, demonstrates a direct failure to comply with this requirement.

In accordance with South Carolina state law, specifically under Section 37-5-108 [ S.C. Code Ann. 37-5-108 ], engaging in fraudulent, unfair, or deceptive acts or practices in the collection of consumer debts is expressly prohibited. Paramount Recoverys actions, which directly violate federal law, could also be subject to penalties under South Carolina state law.

Given that I have not provided explicit written consent, and no court order has been issued, Paramount Recoverys reporting of this unauthorized collection account is a direct violation of both federal and state laws. This not only jeopardizes my creditworthiness but also constitutes a serious breach of privacy, possibly amounting to identity fraud.

I request that Paramount Recovery promptly investigates and rectifies this situation within the next 30 days from the receipt of this complaint. Failure to do so will be considered willful noncompliance, and Paramount Recovery may be held civilly liable for this direct offense under Section 616 [ 15 U.S.C. 1681n ] of the FCRA and applicable South Carolina state laws.

I expect your immediate attention to this matter and the removal of the unauthorized collection account from my credit report, in strict compliance with both federal and South Carolina state laws.

Done in good faith.
Consumer complaint received 2024-01-29
Product: Credit reporting 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: LEXISNEXIS (FL)

Several weeks ago, my auto and home insurer said that LexisNexis provided a different address for me, than is on my insurance policy and that it might affect my premiums. I've lived in this house 32 years and have not lived anywhere else. 

I've repeatedly asked LexisNexis to provide this information to me. I've submitted my information, numerous times on their internet form ( https : //consumer.risk.lexisnexis.com/help ). Each time, it tells me that their mailbox is full and rejects the attached document. I've also, at the request of LexisNexis phone support, sent a photo of my driver 's license to them at email address XXXX. That email was rejected with the following message : From : XXXX XXXX Sent : Tuesday, XX/XX/2024 XXXXXXXX XXXX To : XXXX Subject : Undeliverable : CWP Help form : Submitting Question w/documentation [ XXXX XXXX XXXX [ Sending Documents ] [ Case # XXXX ] Delivery has failed to these recipients or groups : XXXX The recipient 's mailbox is full and can't accept messages now. Please try resending your message later, or contact the recipient directly. 

My last attempt, again at the advice of their phone support, was to send a hardcopy of my driver 's license to their office in XXXX. I did so, via certified mail, with a return receipt. They received that document on XX/XX/2024. 

I still don't have a copy of my credit report from LexisNexis.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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.

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 2023-07-26
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: CREDIT ACCEPTANCE CORPORATION (IL)

i asked the company to pick up the vehicle and didn't want the car they refused to pick the car up they are still reporting on my credit file about late payments I didn't give them consent to share my information either and it's not in the contract either that I signed, and they are bringing my score down. ( XXXX XXXX )
Consumer complaint received 2024-01-29
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: TD BANK US HOLDING COMPANY (MI)

I changed from XXXX XXXX XXXXXXXX and u would think what does that have to do with target card? At XXXX eastern time I got an email that my carrier contacted card services that my phone number was deactivated and they removed it from my account. My phone number was never deactivated as u can verify so on my break at work I put the number back in. It never asked me who my carrier was. I contacted target card services was transferred to 3 people when saying I wanted a supervisor explaining myself 3 times XXXX said she would look into it. She kept telling me I changed it and that my email was spam. She put me on hold again and then says good news is that I put it back in so its there and that target card services did do that. I told her no one should be changing my phone number as texts were coming thru fine and that if I dont change something it shouldnt happen and asked for corporate number cuz she kept saying how I put it back in so Im good to go. Im not good to go. Im not OK with the changes. They allow people to make without even checking with the cardholder thats an invasion of my privacy. Thats intrusive and I feel violated. She refused to give me a number she told me she could give me targets number, but they wont do anything and that she would note the account I hung up on her, after being on the phone for 45 minutes what a way to make somebody feel like a valued customer.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX, 2023, I created an online checking account + a XXXX account to use an offer that Chase has sent me on different occasions by mail, e-mail, and through the app to open a Checking account + save to get XXXX. 

I did, and deposited XXXX ( minus XXXX  ) a couple of XXXX  after they froze my account with the pretext of an identity theft attempt, to which I never saw any evidence nor detected any unusual activity. I visited a branch to get more information, and they asked me to place an identity theft claim ( even tho I have no evidence of such a thing ) ; I did then and there with the branch XXXX. 

On XX/XX/XXXX, my account was closed, and the money disappeared. I talked again to the XXXX number, and they asked me to place another claim, and told me a check would arrive in XXXX business XXXX. 

On XXXX the XXXX I contacted the XXXX number again since the check is nowhere to be found, after XXXX XXXX  on the phone, they asked me to place another claim for identity theft, and they will contact me in XXXX business days to let me know how to proceed. 

It's been XXXX XXXX now that Chase has XXXX of mine, and I haven't been able to invest, spend, or make use of it in any form.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Charges were made to my account that I do not recognize. 
Dates and Amounts of fraudulent charges as printed on my Fifth Third Bank statement : XX/XX/XXXX - {$110.00} DEBIT CARD PURCHASE AT XXXX XXXX XXXX, XXXX XXXX XXXX - {$160.00} DEBIT CARD PURCHASE AT XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX - {$100.00} DEBIT CARD PURCHASE AT XXXX XXXXXXXX XXXX XXXX XXXX At the time of these events I was going to school and working full time with XXXX XXXX XXXX XXXX. I noticed the charge from XX/XX/XXXX XXXX  after that date and forgot to take action. 

I went in person to talk to my personal banking representative to have this formally looked at and disputed sometime mid XXXX, XXXX. We successfully requested the dispute for the charge on XX/XX/XXXX. At this time, the charges from XX/XX/XXXX and XX/XX/XXXX from the same company were left undiscovered and undisputed. 

Upon receiving the dispute denial letter, I went in person to ask why and to be provided any and all accompanying documents related to their research. Their letter of denial said they would provide all documents used in the research that led to their decision. 

My personal XXXX  and I called the dispute department and appealed their decision. After that phone call, the charges from XX/XX/XXXX and XX/XX/XXXX were then discovered by myself after a closer look at my statement while still in the bank. We then called the dispute department again to dispute the charges just discovered. 

I was never provided and documentation and all disputes have been denied. 

The first denial letter explains their reasoning as this : " Here 's why we made this decision : Our research confirms that the transaction was valid. '' The most recent letter, I received on the date of this writing. The explanation reads as follows : " While we were researching the activity, we determined the transaction in the amount of {$270.00} wasn't completed by the merchant and wasn't deducted from your account. As a result this case is now complete. 

For your security, we've placed a block on the debit card ending XXXX to protect you from future charges. If you requested a new card, feel confident it's on the way. '' They claim the funds were never taken out of my account yet my account statement very clearly reads that the funds were taken out of my account. 

They also claimed over the phone that my card was physically used during the XX/XX/XXXX transaction. 

I did research on XXXX XXXX. It turns out to be some XXXX that either still operates or did operate out of an apartment unit in XXXX. I triple checked my XXXX maps timeline to make sure my memory isn't failing me. I've never been to the location that is tied to these charges.
Consumer complaint received 2024-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

I have made quite a few phone calls to this company in regards to the unapplied account - an account used to hold money. They claim that full payment must be made- {$670.00} per month is the normal mortgage payment by the due date of the XXXX of each month. Since I filed last file XX/XX/23 and that was closed it seems that they never right sided the account. Payments of {$680.00} go to them and are recorded on the XXXX of every month if not before, followed by weekly payments of {$50.00} that, like all monies in excess, are to go to the principle of the mortgage. The paperwork for the money paid from my bank and statements will be included.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SN SERVICING CORPORATION (CA)

The company is my mortgage loan servicer called SNS SERVICING. they took over 2 years now, I started to notice my mortgage payments are not reported to all 3 credit bureaus. I started to requested for them to report it, they're stating they do not report unless borrower request for it. I requested on XXXX, XXXX and it is now XX/XX/XXXX nothing is reported. I have communicated with the manager XXXX XXXX from the company numerous time over the phone and emails. She's stating everything is current. which is not true, still nothing showing on my credit. She then requested me to go to XXXX website to file a complaint to 3 credit bureaus. the website allows servicer to report and not borrower. I calXXXX XXXX helpdesk and they advised same, they told me it's not for borrower and servicer responsibility to file a complaint. I have forwarded this information to XXXX XXXX and she still insist that I file a complaint with XXXX. the company is SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX XXXX XXXX  CONTACT : XXXX XXXX PHONE : XXXX EMAIL : XXXX LOAN # : XXXX
Consumer complaint received 2022-02-23
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)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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
Consumer complaint received 2024-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

DATE : XX/XX/XXXX NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX CA XXXX XXXX : XX/XX/XXXX XXXX : XXXX ( PORTFOLIO RECOVERY XXXX XXXX XXXX, XXXX VA XXXX ) IMPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666 B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Please remove collection or update the following accounts and paid, never late. 
ACCOUNT : XXXX ORIGINAL CREDITOR XXXX XXXX Please move forward with the above request. Failure to remove I will sanction legal action for remedy and for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 )
Consumer complaint received 2024-01-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AK)

Account number XXXX XX/XX/XXXX interest paid {$3200.00} XX/XX/XXXX interest paid {$350.00} XX/XX/XXXX interest paid {$5.00} I have repeatedly requested by contacting the bank where I open the account, by calling their XXXX number and in writing through their on-line email service to state how the interested was calculated by giving me the interested rate, the dollar amount and the number of day they use to compute the interested earned. They only respond with a canned response and not the actual numbers.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (TX)

World Finance Corporation and I had an agreement on XX/XX/2022 for a payment of {$430.00} to satisfy the account as paid as agreed. However the creditor sent a settlement letter with the header date of XX/XX/2022 which was dated by the United States postal service as XX/XX/2022 requesting {$430.00} be paid by XX/XX/2022. The letter sent from the creditor is fraudulent and is a violation of the original agreement, because I sent a certified letter and cashiers check of {$430.00} on XX/XX/2022 in agreement for paid as agreed. The creditor deposited the check but fail to honor the agreement made between myself and the company as paid as agreed with a zero balance and report the correct update on the credit bureau reporting agents. Also the reporting amount due before the {$430.00} was {$720.00} and the original amount was {$960.00}, well the balance has changed several times after receiving the agreed payment.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aldous & Associates, PLLC (TX)

Aldous was informed by original creditor ( XXXX XXXX ) that the account was satisfied as it was an error on the clubs behalf. 

Aldous stated theyd remove the collection from my credit but has yet to do so. 

This is impacting my financing ability.
Consumer complaint received 2024-01-29
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MO)

I got a call on XX/XX/XXXX stating that I owe a debt for the previous apartment I lived in. I paid a {$99.00} deposit to live at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX also known as XXXX XXXX XXXX managed by XXXX XXXX XXXX XXXX. It looks like I received an email to an old email address, but I never got any calls, texts, or other forms of communication about this debt until I got a call from the collection agency that the Yards Apartments sent my debt to which is Fair Collections & Outsourcing , INC . They are attempting to say I owed {$410.00} in damages, and after my deposit, I owed {$310.00} that I need to pay to FCO. I asked for proof of these charges and they sent me images that do not justify the charges trying to be charged. For example, they mentioned I owe {$140.00} for carpet damage - pet sanitizing and deodorizing. I actually never owned a pet and I cleaned the carpet before moving out. They also said I owe {$150.00} for a screen door that was never broken and was in the same condition it was left to me. These charges are not fair and this company is trying to fraud me out of money. I was never offered a move-out inspection and I was also never communicated about these charges from the original debtor. This is unfair and is ruining my life and financial health. I need assistance with dealing with this issue and finding a resolution.
Consumer complaint received 2018-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Bread Financial Holdings, Inc. (TN)

I have a {$700.00} XXXX XXXX credit card managed through XXXX XXXX. I filed for bankruptcy two months ago. My lawyer and the Bankruptcy court of Tennessee has contacted them to make them aware of my bankruptcy filing status. They have filed a claim in my case. However, they continue to call me from multiple numbers all day every day upwards to 20 times a day, and often use a restricted number with which to call me from. They even call Sundays while I'm in church at XXXX. However they always use a restricted number to call me on Sunday mornings. I have contacted my bankruptcy lawyer regarding this issue, as well as informed the company with this issue, however they continue to harass me. I have provided some screen shots of my phone log but can provide copies of my phone bill for better clarification if needed.