davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc. (FL)

XXXX. I was receiving calls from Paragon Revenue Group, multiple times per day, every day of the week for about two weeks. I was not familiar with them and I only received generic voicemails. 
XXXX. On XX/XX/2021 I received a debt collection letter from Paragon Revenue Group. The letter was dated XX/XX/2021. 
XXXX. On XX/XX/2021, one day after receiving their debt collection letter, I promptly return mailed Paragon Revenue Group a XXXX XXXX XXXX XXXX via USPS Certified Mail, Return Receipt Requested. ( Attached ) XXXX. Paragon Revenue Group called me the morning of XX/XX/2021. 
XXXX. Paragon Revenue Group received my Debt Verification Letter via USPS Certified Mail on XX/XX/2021 in the afternoon. The Certified Letter 's Domestic Return Receipt was signed by XXXX XXXX. ( Attached XXXX XXXX. I used the Debt Verification Template provided by the CFPB to request more information about this alleged debt. I do not recognize Paragon Revenue Group as a creditor to whom I'm allegedly indebted {$1000.00}. I never signed any contract with this debt collector and I am not responsible for their alleged claims against me. ( Attached XXXX XXXX. I stated in my Debt Verification letter : " All debt collection practices must stop. Phone calls of any sort will be treated as harassment. Please direct all future correspondence to my mailing address above. '' Per my request, the harassing debt collection calls stopped. In an effort to resolve this matter, reduce the volume of calls, and to have all communication via written word only ; I maintained an open channel of communication with Paragon Revenue Group by instructing all return correspondence be mailed to my PO Box Mailing Address. The same address they mailed the debt collection letter to me on XX/XX/2021. 
XXXX. I allotted Paragon Revenue Group 30 days to respond to my Debt Verification Letter. I monitored my PO Box mail on a daily basis for an additional 18 business days. 
XXXX. I never received a debt verification letter. I afforded Paragon Revenue Group ample opportunity and time to respond : 30 days after they received my request to verify this alleged debt plus an additional 18 business days to receive their return correspondence. 
XXXX. Paragon Revenue Group failed to fulfill their obligations as outlined in the Fair Debt Collection Practices Act. I do not believe they are a valid debt collector nor do I believed this alleged debt is legitimate. It only took me one day to respond to their debt collection letter. I waited nearly 60 days for a response and got no response.
Consumer complaint received 2019-08-15
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. (UT)

XXXX XXXX # XXXX is a fraudulent account that is reporting on my credit. I have currently had XXXX XXXX XXXX for years and I spoke to them and they said the account was opened in Oregon. I did not open this and it is not mine, XXXX XXXX XXXX have confirmed it and I have a police report # XXXX stating that this is fraud.
Consumer complaint received 2019-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had my last car payment to make on XXXX XXXX XXXX car loan before loan was paid off- I made payment but was not aware that there was additional XXXX fees that were due also, so the loan showed late paid because there was XXXX dollars outstanding. I paid it soon as I was aware of it. 
This was my last payment - the loan is now paid off- XXXX XXXX says they can not change the 'late ' payment or remove. Please help it made my score suffer over 40 points.
Consumer complaint received 2021-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TX)

On XX/XX/2021 Chime spontaneously closed my account managed by XXXX XXXX, XXXX. one of its banking partners. The account had over {$2500.00}. I contacted Chime to see when I should expect my check for the funds I had in the account and was told that they would keep the money and quickly ignored me afterwards. So then I contacted XXXX XXXX XXXX. which was the real actual bank behind my account to resolve the issue, and I was told to contact Chime and then they too ignored me.
Consumer complaint received 2022-10-10
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: EQUIFAX, INC. (VA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-07
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: EQUIFAX, INC. (NV)

Part of several Equifax data breaches where my information was sold XXXX. These data breaches affected me socioeconomically and placed my family at risk. For years, Equifax was reporting my scores low. Filed many complaints with CFPB against Equifax, however, no changes occurred. As I result of the incorrect Equifax score ; I have been denied financial products and given higher interest rates on credit cards and worse financial terms because Equifax is reporting that I am considered a credit risk. 

XXXX XXXX Credit Specialist at XXXX XXXX XXXX - California, charged me {$200.00} just for credit analysis. I was denied a XXXX ( " XXXX '' ) loan which could have changed my life in a positive way. Thousands of hours of the YEARS - emails sent out, hundreds of CFPB filed, reports with FTC, reports with OIG USPS due to mail being stolen as the data breaches helped criminals target me, typing up letter correspondences and sending it to the CRAs to verify identity to update my address, place blocks, take off accounts that didn't belong to me, contacting hundreds of third party data companies telling them to opt out they didn't have my permission to sell my information, and nothing changed. Since the data breach, I had to move as I have been tracked by psychotic criminals and if you don't think that is a big deal- they stalk my family. My children were recently hit on their bikes by these dangerous criminals and suffered injuries with $ XXXX in medical and attorney bills with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX. Over the years, they have hacked my credit cards, bank accounts, stole my mail after getting my address - stole everything thanks to your data breach. I paid XXXX {$100.00} for their monitoring service because Equifax didn't provide me with one after the data breach. 

When I contacted XXXX, they tried to deny I was a part of any Equifax breach. Told the Equifax Breach Settlement Administrator that I had losses from unauthorized charges to my accounts, many of which I had to close as I became a victim of identity theft. Lost history due to closures. The third parties that Equifax sold my information too not sure who they are, however ; I am a Veteran. I had to change my number 15 times due to identity theft- XXXX charged me a total of {$540.00} - {$36.00} dollars per number change. My family 's lives are forever impacted being victims of identity theft. 

Equifax data breach has led to serious impact on my family 's private life to include humiliation, discrimination, financial loss, physical, and emotional damage and even threat to life.
Consumer complaint received 2021-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX of 2021, three unauthorized withdrawals were made totaling {$3000.00}, were made on my Bank of America EDD account. During this time I was in XXXX XXXX with family from XX/XX/XXXX .Attached you will find plane tickets, bank statements and pictures of my time in XXXX in order to verify my location during this time. On XX/XX/2021 I realized that my account had fraudulent activity, and promptly reported it to Bank of America. I have gone back and forth with Bank of America regarding this issue and they have been unhelpful and unresponsive to my situation. They have explained that there is video footage of me making these transactions. This is impossible, being that I was in XXXX with family. They also stated that they would make an appointment in order to review footage but have not communicated a time and date and have ignored all my calls and messages. During this times, COVID has been hard on my family and this amount of money is instrumental to not just myself but my growing family.
Consumer complaint received 2020-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NV)

ON XX/XX/2020 I WENT TO THE XXXX XXXX FOR A CONSULTATION, WHILE THERE I WAS PRESSURED INTO SIGNING UP FOR CREDIT {$8000.00} FOR XXXX XXXX  WHICH WAS {$4000.00}, I WAS MEASURED AND PHOTO TAKEN OF MY HEAD! I GOT HOME AND DECIDED IT WAS NOT FOR ME DUE TO IM A SENIOR XXXX VETERAN ON A FIXED INCOME, I HAD 3 DAYS TO CANCEL AT WHICH TIME I REACHED OUT TO THE HAIR CLUB THEY WERE CLOSED ON MONDAY, ON TUESDAY WHEN I FINALLY WAS ABLE TO REACH THEM TO CANCELL I WAS TOLD BY THEM I WAS 1 DAY TOO LATE AND THAT I COULD NOT CANCEL AND WILL NOT CANCEL CAUSE THEY MADE ME HAIR OVER NIGHT IN THERE LAB, I TOLD THEM I WAS NOT INTERESTED AND WANTED TO CANCEL, THE XXXX XXXX BEGAN BILLING ME FOR {$3700.00} WITH LATE FEES! I TOLD THE BANK COMMENITY THE SITUATUION THEY FILED 5 DISPUTES ON MY BEHALF ONLY TO HAVE XXXX XXXX REFUSED TO CANCEL, ON XX/XX/2020 XXXX XXXX GAVE COMMENITY BANK {$1500.00} BACK AND CONTINUES TO BILL ME FOR {$2200.00} THEY REFUSE TO GIVE THE BANK BACK ALL THERE MONEY THEY TOOK THE {$3700.00} FOR SERVICES NOT RENDERED OR WANTED.
Consumer complaint received 2021-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Due to the covid 19 global pandemic I was unable to make my payments on my XXXX  account on time. I requested they take the circumstances of the pandemic into consideration and remove the late status on those payments which were for XX/XX/2020 and XX/XX/2020. The added remarks updating the status for each to not late payments and since have removed those remarks for unknown reasons.
Consumer complaint received 2020-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HEAD MERCANTILE CO., INC. (FL)

I looked at my credit report and noticed a collection account listed from Head of Mecanticle Co with the amount of {$910.00}. I do not remember this debt taking place. I never recieved any email or letter ins the mail in regard to this debt. I would have never have allowed it to go to collections if I had known about it. I am trying to apply for an apartment and am not able to get it due to this collection account.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Equifax had credit information from my husband and it bled over on my credit history. I was able to correct this easily online through my Core services with Equifax, but when I moved months later to a new address and applied for a XXXX XXXX XXXX, I was denied for credit because of the same information which had previously been removed and was no longer visible on my physical credit report, nor their website, was bleeding over again internally in their system. When I called today to speak with a customer service rep at Equifax, XXXX told me they would have to re-investigate the information & couldn't correct it as the website is in real time, but their information wasn't. This is unacceptable, so I asked to speak with a supervisor and was promptly hung up on.
Consumer complaint received 2019-08-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (DE)

We have submitted 3 applications for a Mortgage Modification with M & T Bank 's Homeowner Assistance Program. We were approved for the 1st time in XX/XX/2019 with the 1st payment being for XX/XX/2019. We made arrangements with M & T Bank for our 1st payment to be withdrawn from our checking account on XX/XX/2019. I was NOT aware that the bank where our checking account is located ( XXXX XXXX XXXX XXXX ) held/froze our available funds without our explicit knowledge ( or approval ) on the same day our M & T mortgage modification trial payment was scheduled to be withdrawn ; therefore, the mortgage modification trial payment was denied by XXXX XXXX XXXX XXXX where our checking account is location. We did not receive any information that our checking account 's funds were frozen until 7 business days later. By that time, the mortgage modification trial payment was declined by XXXX XXXX XXXX XXXX. M & T Bank proceeded to cancel our Mortgage Modification application. We submitted an appeal with proper documentation and proof from XXXX XXXX XXXX XXXX that they withheld our checking account funds. M & T Bank denied our appeal despite the aforementioned documentation. We then began to utilize a housing counselor to attempt to try to work with M & T Bank and reinstate a Mortgage Modification. We submitted a second Mortgage Modification application. Again we were denied by M & T Bank and they claimed because we " defaulted '' on the previous Mortgage Modification trial they could not approve the application. We again submitted yet another appeal and they again denied the appeal. At this time, they began to file Foreclosure court papers against us and retained lawyers. We have been served said papers and are supposed to have a Mediation meeting scheduled with the local court ; however, this has not happened yet. We have submitted a 3rd Mortgage Modification application through M & T Bank upon M & T 's suggestion and through their respective lawyers. Today we received a 3rd denial of a Mortgage Modification. 
We have tried working out payments with M & T Bank but they are refusing to work with us. We have kept lines of communication open with M & T bank and they are refusing to communicate solutions to us. M & T Bank has the ability to approve our Mortgage Modification application and override their policies that are blocking our application from being approved. We will further explain that one of the cosigners of the Mortgage Loan and our son are XXXX ; however, both receive monthly income from Social Security.
Consumer complaint received 2019-08-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Io, Inc. (PA)

XX/XX/2018. on a Friday I went to XXXX XXXX because I was sick. I had a XXXX XXXX, XXXX XXXX  and a XXXX XXXX. I waited for hours in the waiting room and was finally put in a consultation room. I waited in the consultation room for another hour and the doctor came in, left and came back. At this time, he told me I didn't have the XXXX and to go home and go to bed. He did not give me any medicine. I was furious. On the following Monday, I went to a XXXX  doctor and I had a XXXX XXXX, XXXX, and XXXX and was given several prescriptions. The XXXX doctor couldn't believe that XXXX XXXX didn't give me any medications and he felt the wait caused me to get even sicker. I called XXXX XXXX and told them my story and they did nothing but bill me. When I received the invoice, I again called XXXX XXXX and again nothing but a bill. I decided I was not paying this bill. Unfortuantely, they put the charges in collections. I received calls and notices, I even talked to one of the callers to tell them my story, with no success. This collections notice has now affected my credit rating. I paid the charges last week and was told it could take up to a month to have this removed from my credit report. I was also charged an additional {$30.00} plus dollars for fees which I paid. I really have a problem paying this, but again I need to get it off of my credit report, it is affecting my rating. I have had no late payments on any of my accounts in four years. When I paid this invoice, I spoke with a XXXX XXXX billing person and she said she would pass this information on and someone from XXXX XXXX would be in touch with me, that was a week ago and no one has contacted me.
Consumer complaint received 2019-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch (SC)

I have never done business with Second Round Lp. I do not have a signed contract or a verbal agreement with this company. Second Round Lp is considering the means of the US Postal service to fraud me out of money. This is extortion. I will notify the postal inspectors and pursue litigation for defamation of character.
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

I have sent multiple letters and as well called only to get rude customer service and no help. I have a fraud alert on my credit profiles and it's frozen until this gets this resolved. I have a account that was fraudulently placed. That is linked to a mailing address ( i have never lived at ) i have provided PROOF but the credit agencies ( equifax, XXXX, and XXXXXXXX ) of my current address that i have been at for 28 YEARS. But they want me to call the FRAUD company and update my address with them. NO! i am not calling to update that information. I'm sure you can understand why!!! Needless, to say i was impacted by the equifax data breach as well. THIS IS RIDICULOUS!!!
Consumer complaint received 2019-08-15
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: Diversified Consultants, Inc. (UT)

Diversified Consultants # XXXX is a fraudulent account that is reporting on my credit. I have currently had XXXX XXXX XXXX for years and I spoke to them and they said the account was opened in Oregon. I did not open this and it is not mine, XXXX XXXX XXXX have confirmed it and I have a police report # XXXX stating that this is fraud.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (TX)

On my XXXX and XXXX credit report, Bridgecrest ( Account Number : XXXX ) is reporting an incorrect account status as Repossession and reporting a late payment every month. The accurate account status is Charged Off. I requested that this account be updated and the credit bureaus said that the creditor verified this account and it will remain as is. They have now verified it six times. Bridgecrest is deliberately reporting outdated information to intentionally degrade my credit score. The latest status is a charge off and no payment history should be reporting.
Consumer complaint received 2020-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

The collection agency NATIONAL CREDIT SYSTEMS placed a debt that is not mine without my knowledge on my credit report back in XX/XX/2019. I requested proof of this debt to be verified from this collection agency and all 3 credit bureau agencies but no compliance which has decreased my fico score and prevents me from getting a new apartment. They have not followed the law after making 3 attempts to contact. I provided proof that I owe no money. Original creditor is XXXX XXXX XXXX AT XXXX XXXX who I also contacted but they would not resolve. I applied for an apartment with them but was declined and their paperwork stated I would be refunded {$150.00} deposits but I wasn't. Two months latest collection company NATIONAL CREDIT SYSTEMS sends me a notice saying I owe {$270.00} to XXXX XXXX XXXX when the amount to apply which I paid was {$200.00}. So they are trying to commit fraud by not only not refunding my money, but also trying to get more money then destroying my credit.
Consumer complaint received 2019-08-15
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: Experian Information Solutions Inc. (NJ)

I had a furniture credit card with XXXX XXXX in XX/XX/XXXX. This card was paid off. A court case was filed and I fought it. I won the case after submitting my payment receipts in court onXX/XX/XXXX. The Banks attorney appealed. I again won the case on XX/XX/XXXX. Subsequent to that on XX/XX/XXXX they stopped pursuing the case. Court documents and the other correspondence were submitted to all three credit reporting agencies and XXXX AND EXPERIAN have both refused to remove the negative reports. I filed complaints through CFPB in XX/XX/XXXX ( XXXX and XXXX ). The lawyer and XXXX responded. This was also submitted to the credit bureaus and the Negative report is STILL attached to my file. What is it going to take to get them to accept my court order and update my file? Its been YEARS! Ive had to keep my files frozen so as not to be negatively impacted for years! Ive attached the pertinent information. Ive been unsuccessful in disputing this item directly with Experian and XXXX.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Radius Global Solutions LLC (MD)

As a consumer, my rights have been violated as followed, This debt collector as defined in 15 US Code 1692a has 1. stated that I owe an alleged debt - 15 US Code 1692b ( 2 ) 2. contacted me about an alleged debt with out permission - 15 US Code 1692c ( a ) 3. stated that this is a communication to collect a debt - 15 US Code 1692b ( 5 ) 4. harassed me with letters claiming I owe this alleged debt ( profane language - 15 US Code 1692d ( 2 ) 5. threatened my reputation with this alleged debt - 15 US Code 1692d ( 1 )