davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD)

While I was searching job online I was approached by they call them self XXXX XXXX XXXX vacant position as Data Entry Jobs and they told me that this job will pay {$28.00} per hour and I replied them about the job and they set me an interview day online through XXXX  chat. The person who interviews me was XXXX XXXX, she sends me the job description along with all the instructions that look like a legit job and I didn't notice it is a scam. So we got the interview done on XX/XX/XXXX on Thursday. 
XXXX XXXX who interviewed me all the way and she gave me a task 1 up to task 5 and I finish those task and she said the department will review and let me know their decision, the next days she told me the board approved me and I will be rewarded {$50.00} for the time I spend for the interview with her, also they will send me a start-up check, she didnt mention the amount until I got it through mail. And then the final task was task A and task B, on XX/XX/XXXX at XXXX XXXX. 
Task A has deposited the check into my bank, after 24 hours when it's available she ask me to cash it and instruct me how to pay for the 2 vendors {$850.00} each through MoneyGram at the XXXX   location to buy the office equipment, she gave me those two vendors name, city, state. After that she also instructed me to buy a 3 {$100.00} XXXX gift card and told me to attach the receipt and the card through her email and I did all of that and the next day when I check my bank the check that I deposited through my mobile application was bounce back and I contacted my bank and they say it was a fraud check. 
Im still talking to that lady online but I lost my money over {$2000.00} and I need help. on XX/XX/XXXX, I report to the police department and they told me there's nothing they can do to help me and even if I report to the FBI, FBI has lot more pressing matters to do, then I report to Moneygram customer service fraud protection unit and told me they will get back to me as soon as they investigate but they never reply me yet. I also contacted XXXX customer fraud protection unit and they recover half of the money.
Consumer complaint received 2020-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I've disputed this debt with this company. They fail to send proper validation along with their authority to collect required by the fdcpa. I have sent a letter and I recieved a statement that shows a balance owed. This statement can belong to anyone as far as I am concerned. The statement also deceptively shows my address and not the address that was with the creditor. I know that no billing statements were sent to me for a fact. Ive never owned an account with this company. This is a violation of under the fdcpa. Collection agencies are not allowed to send or withhold information to deceive or mislead consumers. They have also failed to disclose the previous creditors who have also owned the debt which is another violation under the fdcpa..I have not recieved anything that shows this account belongs to me for that matter. I have requested documentation and company refuses to provide it. Yet this invalidated information is still reporting on my credit report. That is also a violation of the fair credit reporting act. Providing the agencies with unverified and false information. This company is very deceptive in their practice and needs to be held accountable.
Consumer complaint received 2022-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-06-09
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. (MS)

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. 

XXXX Account # XXXX XXXX STUDENT LOANS and Account # XXXX XXXX STUDENT LOANS, and Account # XXXX XXXX STUDENT LOANS, 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 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 2022-07-14
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)

It seems that my Complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX upon checking it. Again, this is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, kindly block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Please see the list of erroneous items found on my credit report : XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$770.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$770.00} ; XXXX XXXX XXXXXXXX Balance : {$1500.00} ; MEDICAL XXXX Balance : {$84.00} ; MEDICAL XXXX Balance : {$84.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$170.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX A ) XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX
Consumer complaint received 2022-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

In accordance with the Fair Credit Reporting Act XXXX, ARS Account Resolutions 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 an account without my written instructions. This account is listed on my credit in the amount of {$1300.00}. The original creditor listed is XXXX XXXX XXXX.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I opened a XXXX XXXX card and was approved for {$500.00}. I have not used XXXX XXXX XXXX and the lender closed my account due to inactivity. Somehow someone was able to fraudulently reorder a card on a closed account and was approved for over {$18000.00}!!!!!!! I don't get how XXXX XXXX could have authorized such mess without properly verifying this account and I am honestly disgusted by how careless they are with their consumers information and account access! I would like this account either removed or reflect accurate account status. I have provided documents to support my position in this matter. Please see to it that they verify and validate this account using accurate and consented information made by myself! I do not owe XXXX XXXX a thing and will not pay a frauds balance!
Consumer complaint received 2021-06-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harvard Collections, LLC (FL)

I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with HARVARD COLL plus they did not provide me with the original application like I asked.

Account No : XXXX Amount Disputed : {$1300.00}
Consumer complaint received 2022-03-31
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: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

Select Portfolio Servicing, Inc refuses to remove errant information from my mortgage statement. On XX/XX/2022, I made my payment for the mortgage statement due in XX/XX/2022. The late date is XX/XX/2022. Last week I asked a rep to remove the errant " past due payment '' from my statement. He replied their statement was printed XX/XX/2022 so it didn't account for the payment I made on XX/XX/2022. He said the statement could not be changed. On XX/XX/2022, I made the payment for the XXXX amount due. On XX/XX/2022, I called again in frustration and asked another rep XXXX XXXXXXXX XXXX to remove this errant information but he said he couldn't. Select Portfolio Servicing, Inc appears to be playing games in the new year because I have not experienced this from them before. Please compel them to remove the errant information from my mortgage statement. Thank you.
Consumer complaint received 2019-12-09
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)

I have contacted the collection agency XXXX XXXX directly, as well as, XXXX, since XX/XX/2019 disputing the error that is being reported in the amount of {$3600.00} and another account for {$4100.00}. This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Consumer complaint received 2022-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

On XX/XX/XXXX I submitted XXXX XXXX XXXX XXXX to Fedloan servicing requesting that in school deferment is removed starting XXXX. I requested that the Fedloan servicing applies all the months of repayment while in the school deferment after XX/XX/XXXX while working for a qualifying XXXX  employer and still going to school. I requested that Fedloan servicing up updates my payment count under the XXXX XXXX XXXX XXXX from XXXX XX/XX/XXXX. Today I received an email from Fedloan servicing stating that a deferment will be applied on my account and payments will be postponed. I am attaching screen shot of that email. I did not request deferment on my account to postpone payments. I requested that any previous deferment that was placed on my account is removed so that those payments can count towards XXXX.
Consumer complaint received 2019-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (MS)

Medical Data Systems Owed {$2600.00} Opened XX/XX/2018 This debt doesn't belong to me. I've been calling them for months now & they will not answer so I can disputed it to get it removed off my report.
Consumer complaint received 2022-01-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (IL)

I am a consumer and I feel that my federal consumer rights have been violated. I heard that they don't follow the XXXX. On XX/XX/2021, I sent in a payment overnight to TD Bank USA N. A. for my Target Credit Card to be credited. I called the following week to ensure they received the payment and representative said they don't have my payment. I gave the Express tracking number XXXX and she said it didn't matter, but will note my account that I called about my payment. Shortly, after that my statement due date passed, I received another statement, but my account was not credited. I recently sent a notice of billing error to Target Credit Card via certified mail XX/XX/2021 about this credit that should be applied.
Consumer complaint received 2019-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

My roommate and I rented a home from XXXX XXXX XXXX in XXXX, GA. 
When we moved into the home there was very extensive damage. The house flooded on the entire first floor. It was covered in bugs and it was filthy and we were without water. They did not give us any options for housing at that time. They did finally start sending out repair workers, but they all seemed to have no idea what they were doing. One man was so out of it ( Im assuming he was on drugs ) he went into our pantry instead of exiting out of the front door where he came in. He also asked us for drugs. Of course, we told him he needed to leave. Again, XXXX XXXX XXXX did nothing to help us. They did get the water out of the house and for a little bit we thought it would be ok to inhabit, however, other problems started arising. We were seeing mold and could not get them to address the issue. My roommate decided she couldnt live there anymore and I did not want to break the lease, but I couldnt do it on my own. They refused to work with me. I tried to find another tenant and they made it so difficult. After my roommate moved out, I was in the kitchen one night while one of my kids was in the bath upstairs and all of a sudden water was pouring from the ceiling into the kitchen on my new table and chairs. It turned out to be the bathtub upstairs. I was afraid the tub was going to fall through the ceiling. I called and it took them quite a while to come out. A repair man did come and fix the leak and clean up what I could see of the water. However, my table was now ruined. After this, I was still trying to find a way to get out of the property. It didnt feel safe. Then, I finally tell them that I need to break my lease and they agree to let me and I gave them a move out date. A few days later, they put an eviction notice on my door. During my last week or so there, I saw more and more mold and sent pictures to them. No matter how many times I bleached it, the spots would not go away. They blew me off as usual. I confronted them about the eviction and wanted to know why they would do that after we came to an agreement and nobody could answer my questions. Once I moved out, I was never contacted about any fees owed. I changed my address with the post office, my number was the same, my email address was the same. Next thing I know, Im being contacted by a collection agency. Theyre trying to charge me eviction fees and these massive cleaning and repair fees of over {$7000.00}! When I left that home, it was completely spotless. Far more clean than when I arrived. It is absolutely fraudulent. I have been fighting with them for over 4 years now. I have photo and email evidence to back up all of my claims. I dont want this to happen to anyone else.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2022-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX 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 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
Consumer complaint received 2022-04-05
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: Experian Information Solutions Inc. (IA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kadent Corporation (CA)

Sometimes in XX/XX/2010, my wife took my daughter to a local XXXX Hospital in XXXX XXXX, California ER for a XXXX visit. The hospital charged us a bill over {$7000.00}, and we were left with about {$1400.00} after insurance paid out. We requested the examination of all the charges and found out some charges incorrect and consequently we submitted a bill dispute with proper depart. of the hospital. Finally, we received a letter dated XX/XX/2010 from the hospital 's billing business service partner XXXX XXXX XXXX stating " The charges have been resolved. '' And I kept the letter in file. 
However, shortly after a debt collecting agency CBSJ Financial Corp. started unstoppable calling and writing to my wife with threatening languages like reporting credit bureau etc despite my wife told them the matter has been solved between hospital and us. At that time I was oversea and didn't know this. Finally my wife couldn't bear the emotional pressure and continuing harassment and wrote a check of {$1500.00} as the CBSJ demanded to get her peace. In other words, my wife paid CBSJ debt collector for non-existing debt in exchange for a quiet life. 
I just found this out when I was cleaning up old document which includes my wife 's notes on an envelop and conversation with her. I was so upset by CBSJ such  abusive practice for collecting non-existing debt through harassment and angry at XXXX Hospital apparently sold the already solved debt dispute to a knowingly abusive debt collector.
Consumer complaint received 2022-12-14
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX. Balance : {$3900.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$9000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00} ; XXXX XXXX XXXX XXXX .... XXXX XXXX {$8800.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$3900.00} XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$5300.00}