davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P. (TX)

I received a notice from XXXX XXXX that I had a collections account. I reviewed the credit report for XXXX, XXXX and XXXX which all showed the new collections account. When I checked the reporting information it stated that account was opened XX/XX/2024 and did not have a date of delinquency. I filed a dispute and requested that the debt be verified and validated. 
Upon checking to see who Paramount Recovery Systems was I saw a bunch of complaints on various websites. It seems that every time they buy a batch of debt they send the information to the credit bureaus without sending the debtor any notice explaining to verify or deny the debt. They report debtor to Credit Agencies knowing they have not sent debtor the notice and that it is probably old debt. 
I never received a notice even though I have lived at this address for the last 18 years and have not changed my phone number in over 5 years. 
The first contact was when I was notified that I had an account in collections by XXXX XXXX. To this date I have not been contacted by Paramount Recovery Systems or sent any notice yet my credit is being affected.
Consumer complaint received 2022-12-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (FL)

We mailed them a letter to dispute the debt and never received verification back. They have been calling me, and the debt has gone on my record and I have yet to receive a verification of the alleged debt. 

We ( XXXX XXXX XXXX and myself ) have mailed the letter of dispute on XX/XX/XXXX by priority mail. The tracking is : XXXX XXXX XXXX XXXX. It reached them and was signed for at XXXX XXXX  on XX/XX/XXXX by XXXX XXXX. This was mailed within the XXXX day period. 

They have since called me on XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX, & XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  Again, I have yet to receive any verification of debt from the company but they continue to contact me and place the debt on my credit report
Consumer complaint received 2020-04-03
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX  XXXX {$0.00} XXXX XXXX {$680.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$720.00}
Consumer complaint received 2023-05-24
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. (IL)

After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.
Consumer complaint received 2020-04-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TFS FINANCIAL CORPORATION (WA)

We were quoted a figure of {$430.00} for title charges on the original estimate of costs, and on the final closing cost form, but when the title company contacted us to close the loan, the fee for title charges was {$1400.00}. When we asked about this, we were told that they had quoted the {$430.00} because they expected us to get some sort of credit which they figured out we were not eligible for after they sent us the final closing cost form. So we basically had to come up with an {$1100.00} to close the loan the day before the signing. This feels like a bait and switch, but with the closing happening, we didn't feel we had a choice but to pay it.
Consumer complaint received 2020-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (UT)

Receivables Performance is attempting to collection on a debt not owed. I didn't know about this debt until I checked my credit. As soon as I found out about the debt I called and paid it immediately. I don't recall any statements, calls or notifications regarding this debt. I believe this violates my 30 day right to dispute.
Consumer complaint received 2020-04-03
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: EQUIFAX, INC. (TX)

I have been having a collection on my credit report the agency name is XXXX XXXX  XXXX reporting for XXXX XXXX. I paid {$110.00} in return for them to report the collection from my report. It is on my Equifax and XXXX  credit report. The collection has been on there since I put in a dispute in XXXX and I keep getting transferred to departments that can't help me. I received a letter from XXXX XXXX  XXXX on XX/XX/XXXX stating they would have the collection deleted from both reporting agencies. This is stopping me from getting approved for a house and it should be removed already.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (TX)

On XX/XX/XXXX my phonesnd wallet was stolen on XX/XX/XXXX I called cashapp they informed me my information had been changed and i had no access to my account but they locked my account with a {$55.00} balance but unlocked it the same day still no access to my account on XXXX first my new phone was received and finally gained access to account but no money they refunded the XXXX cheap transactions but the more expensive ones they ssy I authorized and I did not the total is around {$600.00}
Consumer complaint received 2022-11-04
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. (MD)

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-03-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc. (CA)

On around XX/XX/2020 California Business Bureau tried to collect a debt from me that was already taken care of by my employer for Workers Compensation. I tried to dispute this on several occasions but all communication on the phone has stopped and collections letters continue and now show as a negative report on my XXXX  credit report.
Consumer complaint received 2020-03-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NV)

Since XXXX XX/XX/2020 ( 4 days ) I have been trying to reach Chase Bank Mortgage Services to no avail. During this " Corona-Virus '' crisis, I have been laid off and in need of mortgage deferment. Getting in touch with Chase Bank has been an even bigger nightmare. They have effectively made it impossible to get help. Every day ( if you can get through without having your call dropped ) they have a 12-Hour plus hold times. If I fail to make my payments, I am 100 % certain Chase Bank will penalize me. If Chase does not take their own telephone calls, should they too not be held responsible or penalized? Just to be clear, going to local Chase Bank Branch does absolutely nothing, they can not help.
Consumer complaint received 2024-04-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (OH)

I had a customer deposit {$2500.00} for a job Sunday XX/XX/XXXX. It's now Wednesday and the funds are available in my account. PayPal is holding my money up after they tried to the XXXX XXXX XXXX hasn't released the funds, and customer called his XXXX Monday and the funds are out of his account and released on Monday already. PayPal is holding the money up and this is the XXXX time they've done this. They did this with a {$5500.00} deposit before.
Consumer complaint received 2022-12-28
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. (IL)

Im a living human being, a natural person, I have filed complaint after complaint to inaccurate account information with company not providing verification of information complete refusal. I have rights under 15 USC 1681 TransUnion is governed by 15 USC 1681 an they have violated my rights numerous times. I demand the accounts listed below be deleted because XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to 15 USC 1681 I have the right to privacy and I did not give credit reporting agency written instructions permission to furnish these accounts- Section 623 ( a ) ( 3 ) missing notice of dispute- Section 611 ( a ) ( 1 ) failure to investigate items within 30 days gives reason to delete 15 USC 1681s-2 ( b ) reporting of information after notice of errors-15USC 1681e ( b ) accuracy of report- 15USC 1681n Civil liability for willful non compliance -15USC 1681i ( 5 ) ( A ) ( i ) treatment of inaccurate or unverifiable information provide in case of dispute accuracy by credit reporting agency. Deleted immediately!
Consumer complaint received 2023-05-24
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. (CA)

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, XXXXDept of ed : # XXXX, XXXX : XXXX XXXX, XXXX XXXX  : # XXXX, XXXX : # XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My previous credit report was showing 60 day lates for my student loans XX/XX/XXXX & XX/XX/XXXX that was being serviced by XXXX XXXX XXXX XXXX XXXX. 

I reported this to the Consumer Financial Protection Bureau and uploaded my credit file reflecting XXXX XXXX XXXX student loans being reported 60 days late during the Covid pandemic. 

I later received a call from a XXXX advocate, who had been assigned to my student loan file. The XXXX Advocate explained that XXXX XXXX did not report me late, but Experian continued to report me late due to me calling Experian to dispute the inaccurate student loans. 

Experian Corp has prevented me from receiving financial funding for my business that I needed for my staff payroll, also almost cost me my residence, as I was in the mist of closing on my home. In addition I was unable to finance MUCH needed medical equipment for my XXXX child. 

Experian Corporation MUST be held accountable for the hardship they have inflicted on my family, business, as well as staff. Experian corporation did not have the right to report my student loans late after XXXX XXXX, and President Biden clearly stated no XXXX XXXX XXXX loans have to be paid until XX/XX/XXXX. 

Experian went against an official presidential order and affected my life tremendously. I have lost many things that I can not recoup do to Experian neglect. They have updated the bureau and try to return back to life as though it has not cause detrimental effects in my business as well as personal affairs. 

I am certain that Experian is doing this to a multitude of US Consumers. Experian need to be investigated for official financial oppression, fraud, as well as deceptive practices. 

If any federal agent need any information from me please feel free to contact me and I will provide all documents and proof. 

~XXXX
Consumer complaint received 2020-03-24
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my reports.
Consumer complaint received 2020-04-03
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. (TN)

Experian and XXXX  are reporting incorrectly a collection/chargeoff in the amount of {$3000.00} on the XXXX, original creditor XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I have never lived in XXXX, Georgia which is where the property in question is located. This is clearly an account that has been put onto my credit report in error. This false reporting of a collection/chargeoff account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have tried to contact XXXX XXXX XXXX, as well as the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-04-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Levy & Associates, LLC (TX)

I was in a car  accident XX/XX/2019. The person who totaled my car was not the owner of the car and between my insurance and gap insurance I was under the impression the balance of the car was going to be taken care of. I never heard anything about that account until years later I was advised it was actually charged off. Fast forward to a few days ago, my bank informed me that my accounts had a levy hold on them for a lawsuit. Called the company that sent the legal form to my bank and they said I was being sued for the XXXX XXXX  balance on the car. I explained to them I have not been working for months and that I was never informed about the debt still being owed or that I was being sued. The gentleman got pretty upset and started saying that they supposedly did inform me and that I owed {$28000.00}. I told him could the hold on my accounts be removed and could I work something out with the original bank, and he said I needed to pay the full amount or come up with a number to have account taken care of. The hold that was placed was actually for a much grater amount ( {$36000.00} ) than what the representative on the phone told me. I even mentioned that to him and he said it was extra legal fees.
Consumer complaint received 2020-03-25
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. (GA)

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. XXXX : XXXX XXXX/XXXX  # XXXX {$1300.00} XXXX/XXXX  # XXXX {$1200.00} XXXX XXXX # XXXX {$2500.00} XXXX/XXXX  # XXXX {$2900.00} XXXX/XXXX  # XXXX {$500.00} XXXX/XXXX XXXX # XXXX {$8800.00} XXXX/XXXX  # XXXX {$400.00} COLLECTIONS # XXXX {$270.00} COLLECTIONS # XXXX {$90.00} COLLECTIONS # XXXX {$36.00} XXXX : XXXX XXXX XXXX  XXXX # XXXX {$1300.00} XXXX/XXXX # XXXX {$1400.00} XXXX/XXXX  XXXX  # XXXX {$920.00} XXXX/XXXX XXXX  # XXXX {$8800.00} TRANSUNION : XXXX XXXX XXXX  XXXX XXXX # XXXX {$1300.00} XXXX/XXXX # XXXX {$1400.00} XXXX/XXXX  # XXXX {$920.00} XXXX/XXXX XXXX # XXXX {$8800.00}
Consumer complaint received 2020-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (VA)

In XXXX I applied for and was granted XXXX  XXXX status. I provided proof from state of Virginia XXXX XXXX   XXXX and my Dr. completed documentation. my {$3000.00} loan was discharged. In XXXX I received a notice asking if I was employed. I called Nelnet ( loan holder ), explained I could not work. They asked that I send email stating such, which I did. They were contacted again in XXXX the year XXXX XXXX were XXXX  in my XXXX. On XX/XX/XXXX I received a letter dated XX/XX/XXXX stating my loan is in default and my Social Security funds will be offset. I contacted the Department of Education on The evening of XX/XX/XXXX after waiting on the phone for 40 mins. To speak a representative comes on the line tells me I needed to reapply for XXXX XXXX every three years  until the end of my life. She said my check will be taken and she rudely hung up as I was asking questions. On XXXX XXXX I contacted Nelnet, they explained they received the email they requested from me but I neglected to sign it. 
I also sent a hard copy letter with signature. When I asked for a copy they couldnt provide one, but they informed me that Ill need to reapply. They said they could not stop my Social security checks from being taken. Im a XXXX yr. old senior with an XXXX yr. old Ill mother. Well be homeless if they confiscate my funds. Ive written them all to no avail. I asked them to reinstate me. They refused. Please help me.
Consumer complaint received 2020-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

I am trying to reach out to my Mortgage, Sun Trust Mortgage, regarding COVID-19 problems and hope to hold my payments for few months. They do not have an option on their web site to hold the mortgage payments. They do not answer the phone. I was on hold for 3 hours and they did not pick up. This is not right. I would like to file a complaint against them. All other Mortgage Banks are helping people. 

If you go to their web site, www.suntrust.com - There is a box for " Request Payment Relieft '' They have listed credit cards, line of equity, etc.. But, NOTHING ON MORTGAGE PAYMENTS. 

Please contact this lender to see why they are not doing anything on the Mortgage Payments. 

Thanks,
Consumer complaint received 2020-04-03
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: HSBC NORTH AMERICA HOLDINGS INC. (NY)

In XX/XX/XXXX, my HSBC credit card Ending XXXX was stolen and make large purchases from XXXX XXXX and XXXX XXXX. I believed the totals were {$4200.00}. Then I called the bank HSBC and filed a dispute. They accepted the dispute for XXXX XXXX but refused the XXXX XXXX because they said the XXXX XXXX was in-person purchase. On XX/XX/XXXX, I check my HSBC account and fund out that they have put the charge from XXXX XXXX back on my balance. I called them and asked them why they put the charges back on my account. They told me that the Merchant had replied with evidence that the charges were done by me because they shipped items into the house that I lived at. I said to them that could be possible, but I do not make the purchases, and I lived with a bunch of people, and I do not know if XXXX of them maybe had stolen my credit card. They told me that the claim was denied. I requested for supervisor twice, and I was told the supervisor would call me back, but that never happened. Therefore, I am filing this complaint requesting HSBC to honor they promised to me that I am 100 % protected from unauthorized charges, and accept my dispute from XXXX XXXX and XXXX XXXX Thank you