davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (CA)

I have contacted the collection agency and asked them to provide me with contract with my signature to verify that this is my debt to pay. The collection agency has not provided proof of this being my debt to pay. I also have disputed it through the three credit bureaus.

I am unsure what else to do except seek further help in getting these matters resolved. Below is the name of the collection agency I have contacted and asked them to provide me with the above mentioned proof.

XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX First time contacting this agency was XX/XX/XXXX. They sent me a print out but no signature. 

The latest letter I sent was on XX/XX/XXXX.
Consumer complaint received 2018-07-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mnet Financial Inc (TX)

MNET Financial shows up on my XXXX Credit report as of XX/XX/2018. I have written MNET on 3 occasions to validate this alleged debt and they completely have ignored my letters via the U.S. Mail. The 30 days they had as per the Fair Debt Collections Practices Act ( FDCPA ) and the Fair Credit Reporting Act have passed and therefore, it is a frivolous claim on their behalf. 

They have failed to notify me of my right to dispute the debt ( Section 809 FDCPA ). 

They never responded and they failed to verify of the debt. 

The Fair Debt Collections Practices Act States " If a consumer sends a written dispute or request for verification within 30 days of receiving the 1692g notice, then the debt collector must either mail the consumer the requested verification information or cease collection efforts altogether. Such asserted disputes must also be reported by the creditor to any credit bureau that reports the debt. Verification should include at a minimum the amount owed and the name and address of the original creditor. '' They have failed. 

Additionally, being a resident in the state of Texas, MNET Financial also has willfully violated the Texas Fair Debt Collections Practice Act, State Statue 392.202. They have notified me to please send them confirmation of the final XXXX XXXX XXXX XXXX disposition so they can further investigate. 

As of XX/XX/2018 : 1 .I have also notified the Federal Trade Commission . 
2. I have also sent a formal complaint to the Texas Attorney General 's Office. 
3. I have spoken to outside counsel and presented all of the evidence of this willful and deliberate violation where it is also causing continued financial harm. 

MNET Financial , Inc. until the close of business on XX/XX/2018 to remove and delete this credit trade-in from XXXX or I will file a lawsuit both in State and Federal Court against MNET Financial for willfully violating all Acts and causing continued financial harm by being denied credit and employment. 

Best, XXXX XXXX XXXX
Consumer complaint received 2018-07-27
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. (MO)

The following accounts are not mines and they stopping me from buying a home for my family. I'm respectfully requesting that the following accounts be blocked from my credit report, The accounts are ... XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2018-07-27
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. (TN)

I have sent letters repeatedly to XXXX, Experian, and XXXX  asking them to validate and even show me their method of verificatiion for these fraudulent accounts on my record. I have sent numerous letters to the creditors and this bankruptcy court in XXXX, TN only to have my letter returned right back to me more than twice. I am reaching out to the CFPB for some kind of resolve before I seek legal action. 

The following accounts and inquiries are not mine : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX Bankruptcy Chapter XXXX - Dismissed - XXXX Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Formal Demand to Correct Inaccurate Resident Score and Cease Reporting Harmful Data Dear TransUnion Rental Screening Solutions ( TURSS ), I am contacting you to formally dispute the accuracy of my reported resident score of XXXX, as indicated in a letter I received from XXXX on XX/XX/year> ( Application Reference Number : XXXX ). This score is entirely inaccurate and does not reflect my rental history, financial responsibility, or creditworthiness. 

Furthermore, I do not authorize or consent to TransUnion Rental Screening Solutions reporting negative or inaccurate information on my credit or rental screening reports. Your continued reporting of false or harmful information violates my rights under the Fair Credit Reporting Act ( FCRA ) and is causing me significant and ongoing harm. 

My Demands : 1. Immediately correct my resident score to no less than XXXX within 24 hours, as the current reported score of XXXX is demonstrably inaccurate.

2. Cease reporting any negative or inaccurate information about me in connection with my rental history or creditworthiness.

3. Provide a full explanation of how the initial score was calculated, including all contributing factors.

4. Confirm the updated resident score and notify all entities that previously received the incorrect score of the correction. 

Legal Framework Supporting My Request : 1. FCRA 611 ( 15 U.S.C. 1681i ) : Requires you to investigate disputed information and correct inaccuracies.

2. FCRA 623 ( 15 U.S.C. 1681s-2 ) : Prohibits data furnishers from reporting information they know or should know to be inaccurate.

3. FCRA 604 ( 15 U.S.C. 1681b ) : Limits the use of inaccurate or outdated information in consumer reports.

Your actions to date suggest a disregard for my consumer rights under federal law. I demand that you comply immediately to prevent further escalation of this matter.

Urgency of Request : This inaccurate score is causing material harm to my ability to secure housing. If you fail to correct my resident score and cease reporting harmful data within 24 hours, I will file complaints with the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I will also pursue all available legal remedies to protect my rights.

Please confirm in writing the corrective actions you have taken no later than 24 hours from the receipt of this email. If you require additional information to resolve this dispute, you may contact me directly.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-02-10
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. (NY)

XXXX is still reporting my XXXX XXXX account as an adverse account that is negative with a late payment I am uploading proof from XXXX XXXX that this account was never paid late. I have attempted numerous times to correct this. Having this wrong information reporting is affecting my credit score.
Consumer complaint received 2018-02-10
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Midwest Recovery Systems (FL)

After reviewing my credit report on all 3 of the main bureaus I noticed there was a negative collections account listed under the name Midwest Recovery. I have never received any communication from this company and they are reporting negative and false information on my credit. It has also come to my attention that Midwest Recovery does not have an active license in the state of Florida and therefore can not attempt to collect this debt i have no information on.
Consumer complaint received 2018-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST COMMUNITY MORTGAGE, INC. (FL)

Myself and my family are victims of Hurrican Irma in the Florida XXXX, My Insurance company was slow to pay and when they did all of the contractors are on a 6 month or more waiting list. I can do the repairs myself and elected to do ( it is my right in FL ) so as it would be over a year since the hurricane hit before our house would be repaired, which is unacceptable to me due to the presence of black mold in the house. I sent two checks to my mortgage company one for XXXX XXXX and another for XXXX XXXX a little while later, in which they assured me that they would send it back in draws. They applied the XXXX XXXX dollar check to my loan and then told me I would have to complete all repairs with my money before they would send me any of the XXXX XXXX and that I would have to submit receipts to get any of that. I asked them what would happen with the remainder should I complete the repairs below the amount paid by the insurance company and I did not get a clear answer, I get the feeling they are acting in bad faith and again plan to apply that remaining amount to my mortgage. Meanwhile I am scraping ever cent I can together, with each paycheck to try and repair this place. This is not fair and it is further victimizing people that have had their life devastate. My mortgage company goes by the name Human Mortgage but they are actually First Community Mortgage, the contact info I have for them is XXXX and I have to send emails attention XXXX to get the attention of my case manager.
Consumer complaint received 2018-02-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: COAST PROFESSIONAL INC (CO)

After having my husband 's tax return seized I contacted the department oof education today to find out that my student loans are in default and with a debt collection called Coast Professional Inc whom I've never received any mail or voicemails or emails from. They have had my account for a year and documented that they only sent me one piece of mail almost a year ago. They said they have called my phone but it's against their policy to leave a voicemail message. I have no records of their numbers calling me within in the last few months. I received no notice that our tax return would be seized. I am a XXXX XXXX XXXX mom who XXXX and I have no income and no access to my husband 's income or information. XXXX XXXX XXXX has stated that the only way they will allow me to do the rehabilitation program is to give them very detailed information from what my dental and hospital bills are to my cell phone bills to everything including everything about my husband. This is not his debt, only mine and I will not provide them with any information. I want my loans released from Coast Professional Inc and transferred to XXXX where my other student loans are current, on a repayment program, and I have maintained contract with for months now after completing another rehabilitation program without my husband 's information. When I asked to have my loans released to XXXX they tell me to call the department of education. When I call the department of education they tell me to call Coast.  I need help desperately to resolve this issue. I'm very willing to make payments even without having an income but I can not do so if they won't even allow me to sign up for their program.
Consumer complaint received 2018-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated (MI)

My husband and I had credit cards through XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. They were paid off with a consolidation loan though XXXX dated XX/XX/XXXX. Also thorough a consolidation loan through XXXX XXXX, which was subsequently paid off with the XXXX loan. We received a judgment from First Resolution Investment Co for both credit cards stating that the cards were never paid. We have the loan documents from XXXX that state that payments of {$480.00} and {$1200.00} were sent to XXXX XXXX XXXX XXXX XXXX to pay off the accounts. My husband 's checks are now being garnished for just over {$400.00} each month and at least once every year our bank accounts are garnished taking every penny we have for a debt that was paid in XX/XX/XXXX. I tried to get the documentation from XXXX to show what that loan was used to pay and how much because I know some of it was used towards one of these credit cards. They stated that since it was over 7 years ago they no longer have that paperwork and can not provide me with any documentation that there was ever a loan in the first place ... aside from a paper showing my payment history on the loan. We called First Resolution Investment who directed us to their lawyer at XXXX XXXX XXXX, XXXX who laughed when we told them we had paid this off and told us to prove it.
Consumer complaint received 2018-07-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

IQ Data Int. had acquire a debt from a previous apartment complex I lived at for {$51.00} in XX/XX/XXXX. They reported the debt on my credit so I called them as soon as I saw it.They agreed to remove it from my credit if I paid the full amount so I did immediately. It has been 2 years and they are still reporting on my credit. I called them today on XX/XX/XXXX at XXXX XXXX and was told by the representative, they can't do nothing about it.
Consumer complaint received 2018-02-10
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)

Said company " XXXX XXXX XXXX '' has refused to validate an alleged debt that they continue to report to all three credit bureaus. I have contacted the company back in XX/XX/2017 requesting validation of the alleged debt they claim I owe. Upon sending numerous letters requesting the company send me a ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. Upon further research I have come to the conclusion that a ) this account is closed. b ) the account has been sold to a third party collection agency. Also upon my own research the third party company is not the company reporting on my credit file. It is XXXX XXXX XXXX account number XXXX that is on my credit file.How is this? The account has been sold they are no longer in possession of it. As per FCRA this is ILLEGAL. XXXX XXXX no longer has the debt, it has been placed with a new office. This is unacceptable, first off XXXX XXXX has refused to validate the debt as I requested which is my LEGAL RIGHT, but they are also continuing to attempt to collect on a debt they no longer own. Please be advised that under the FAIR CREDIT REPORTING ACT Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ), your company is required by Federal Law to verify through the PHYSICAL VERIFICATION of the ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT of any and all accounts you request to be posted and or reported on a credit report. Also be advised FAIR DEBT COLLECTION PRACTICES ACT Section 809. Validation of debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgement, or name and address of the original creditor, is mailed to the consumer by the debt collector. Please see attached documents of the validation requests I submitted to both XXXX XXXX and the third party company as well as the refusal letter I received on their behalf. This is unacceptable and I am extremely unsatisfied with the outcome and response from XXXX XXXX XXXX and there blatant attempt to not follow the law.
Consumer complaint received 2018-02-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (FL)

This company contacts me at least four times a day, from right at XXXX XXXX to right before XXXX XXXX. They call from several different numbers from Ohio to Florida. 

Today, XX/XX/18, alone they called from XXXX at XXXX XXXX., XXXX XXXX, XXXX XXXX and XXXX XXXX Yesterday they called from the Ohio number at XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX   I've already spoken to someone regarding my account a week ago so this is now harassment and illegal practices they are performing.
Consumer complaint received 2018-02-10
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: STATE FARM BANK, FSB (CA)

State Farm reported a 30 day late in XX/XX/XXXX. I made a online payment for this account on XX/XX/XXXX and XX/XX/XXXX. The XX/XX/XXXX payment State Farm never withdrew due to " technical error it appeared '' I was told. I then paid the vehicle off since they refused to remove the late payment. I was going through the purchase of a vehicle at the same time and was NEVER notified of any late payments. The first notice I received was after the fact dated XX/XX/XXXX.
Consumer complaint received 2018-02-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: United Student Aid (USA) Funds (AR)

In XX/XX/XXXX, XXXX XXXX pretending to be USA Funds sent correspondence to addresses that were not mine. I received the mail from my mother and mother in law several weeks later which indicated they were to start a wage garnishment. I promptly replied that I requested a hearing as I had not been on my job but one month and had not worked since XX/XX/XXXX, as I am XXXX and awaiting an appeal hearing from the SSA. I also forwarded financial statements indicating abgarnishment would cause a major hardship. I received no confirmation only copies of my promissory notes from years ago, with no cover letter or anything. I had also indicated I was interested in loan rehabilitation and asked how I could start that program. 

A few weeks later, with no notice, they began garnishing my wages. About a week after that, I received a letter stating they cancelled my hearing, of which I had never received any confirmation would happen. A couple of months later, I received a letter from a company named XXXX. I called them and hey set up loan rehab for me. To date, there have been no payments applied to my loans from the garnishments which were taken illegally. I would like to have my money returned to me that was stolen from my paychecks, as I am no longer working due to my XXXX, and have absolutely no income. I am also in the process of filing for XXXX forgiveness anyway. The way that was handled was in direct violation of my rights and they should be prosecuted for theft by deception.
Consumer complaint received 2018-02-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (SC)

Navient is supposed to have my XXXX XXXX XXXX loans set to enhanced PAYE so my loans are forgiven after 20 years but after several phone calls over several months my loans are still not corrected. Every time I call I get a different story.
Consumer complaint received 2018-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Blue Global Media, Inc. (HI)

On Messenger a person hacked into the XXXX  Arizona '' s Mayor 's personal account an sent me a message about an available program from the Government that I might be eligible for, sort of like a grant for {$50000.00} that I would not have to pay back but I would have to submit a payment of {$350.00} with the application. I also had the Mayors personal number as our conversation did not sound the same, I could tell by the reply 's something was off.

Thank God I didn't give any personal info but I have theirs.

If you want more info please send me info on who to report this to.

Thank you