davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-17
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: McCarthy, Burgess & Wolff, Inc. (NY)

3 company with inconsistencies, violations and double jeopardy ... 
I requested to XXXX  an investigation for reporting " past due balance '' and " 1 month term '' in collection account from XXXX which represent a violation to FDCPA ... 
The answer from XXXX was a verification from XXXX as shown in their own report attached in this complaint.. 
XXXX is confirming with XXXX the violation ... 
I decide to call XXXX to obtain an explanation but the answer was they has been transfer or sold the account to MCCARTHY , BURGESS & WOLFF to collect the account .... 
Now XXXX is reporting to XXXX an account that is not marked as sold of transfer with a Balance ... So, XXXX  is in violation of the FCRA by reporting inaccuarate information and failing to do a proper investogation.. 
Now MCCARTHY, BURGESS & WOLFF is asking around 600 dollars over the original balance requested by XXXX at the same time is reporting another balance to XXXX ... 
Account XXXX XXXX Violation to FDCPA, Violation to FCRA and double jeopardy ... 

Attached proof of XXXX balance reported to XXXX   before and after investigation and a letter from MCCARTHY, BURGESS & WOLFF collecting another balance for the same account.
Consumer complaint received 2019-03-17
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. (LA)

I've been trying to dispute an inaccurate account on my credit reports with the credit bureaus for the past two months. The credit bureaus have been responding back the account is verified. I have no idea how that is even possible with all the inaccuracies across the credit bureaus and the paperwork i received from XXXX XXXX XXXX ( The original creditor ) Account number XXXX. I will point out the inaccuracies and being that the credit bureaus have verified this account 3 times already, this complaint does not mean UPDATE the accounts and any UPDATES to this account will be a violation of the FRCA. They have ALREADY updated the payment history several times after saying the account is VERIFIED. 

This account is reporting on EXPERIAN as AN INSTALLMENT with a balance of {$20000.00} with the original balance of {$11000.00} This account is reporting on XXXX  as INSTALLMENT with a balance of {$20000.00} with a highest balance of {$10000.00}. 
This account is reporting on XXXX  as an INSTALLMENT with a balance of {$5500.00}. 

After reviewing my contract this account was written up as a RETAIL INSTALLMENT CONTRACT with a balance of {$6000.00}
Consumer complaint received 2019-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is a credit reporting agency complaint against Trans Union, # XXXX. I have tried several times to complete an online dispute and to update my 100 word personal statement. I am entitled to submit my personal statement and have it provided to all who may request my creit report. This is my personal statement I wish to have placed in my credit report : " My ID was stolen, in two security breaches. Found on the dark web, my XXXX & XXXX cards were used without authority. XXXX & XXXX were notified, provided copies of law enforcement reports obtained. I disputed the accuracy & completeness of XXXX & XXXX adverse information they reported to the three credit reporting agencies. Each agency gave notice to XXXX & XXXX, as adverse information furnisher. XXXX & XXXX failed to, conduct a reasonable investigation of each dispute ; review all relevant information ; modify, delete, or permanently block the reporting of 5  items of adverse information. '' Item 2 : Remove XXXX, this is not my telephone number. Item 3 : XXXX Court Western VA, # XXXX, was supposed to have been removed on XX/XX/2017, see report, but remains in the report. Remove this. Item 4 : XXXX XXXX, XXXX, is being misreported. The balance is over-reported by more than {$2000.00}. Item 3 : XXXX XXXX, XXXX, is being misreported. The balance is over-reported by more than {$3500.00}. Item 4 : XXXX XXXX XXXX, XXXX, is being misreported. The balance is over-reported by {$1600.00}.
Consumer complaint received 2019-04-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I am a XXXX of XXXX in XXXX and I opened an account in the Bank of America, to attend emergencies and some purchases when I am in the USA. That's why I did not check this account often. When I went to make a payment there were no funds for the value being that I had funds. That's when I checked the account and found several attempts to fraudulently send my account amounts to an person in XXXX ( from a region known to be a source of illegal immigrants to the US ) by company XXXX. In the last two attempts the Bank did not make the reversal and so far I am struggling to prove that I did not even know the XXXX company and never had a registration. I already registered occurrence in the police of XXXX, USA and FBI. What else can I do to prove that I was the victim of an internet fraud?
Consumer complaint received 2019-04-21
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. (OH)

I submitted a letter to XXXX and Transunion requesting a letter of validation for an account ( XXXX XXXX ) ..No validation was provided and they failed to remove this report from my credit report. They allowed the company to add a XXXX to the account dropping my score over 40 points, which They have done this on more than one occasion, causing my credit score to go up and down with aprox 40+ points, by allowing this company to add a {$1.00} or take away a XXXX amount, yet this account has never been validated and when asked to remove the account, due to a lack of validation. There is no response or some remark added to my acct, with no validation.that causes my credit score to drop. I have attended to request a debt validation with this company ... .with no response., so I don't believe they have recieved any response from them, nor have they removed this account after not receiving any requested validation, even though they are legally required too.
Consumer complaint received 2019-04-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Debt Mediation, Inc. (TX)

I XXXX XXXX MOVED OUT OF XXXX XXXX APARTMENT AND I MOVED OUT OF TOWN I SPOKE WITH PROPERTY MANAGE AND TOLD HIM WHAT I WAS DOING AND HE SAID OKAY AND I TOLD HIM TO PUT IT IN WRITING AND THE XXXX XXXX APARTMENT STILL CHARGE ME XXXX AND WE WAS NEVER LATE I TRIED TO GET ANOTHER APARTMENT AND THIS SHOULD UP ON MY CREDIT REPORT I NEED IT TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT SO I CAN GET ME AND MY CHILDREN SOMEWHERE ELSE TO LIVED/ THANKS XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (IN)

For the past 6 months I've been charged a maintenance fee by US bank each month. US bank stated that the fee was being charged due to not having an direct deposit being processed during each month. However, I explained that I have not one but two direct deposits each month. The US bank representative said they would let their supervisors know to look into it and credit me back for these charges. This NEVER HAPPEND. I'm very disappointed with the service and am seriously considering closing my account and taking further actions against US bank. It's not the money but more my principles and I do not want them to do this to other people. Please help. I look forward to hearing from someone soon. 

Sincerely, XXXX
Consumer complaint received 2019-03-19
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. (FL)

I was going over my credit report I noticed an from XXXX XXXX BAL {$1800.00}, XXXX XXXX {$XXXX}, I have never had an account or contract for service with THESE COMPANIES. I was recently a victim of fraud and I demand that they provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for XXXX XXXX diligent examination of this matter.
Consumer complaint received 2019-04-20
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. (OH)

The date of XX/XX/2019 I Checked my credit report when I noticed a derogatory mark on my report from a XXXX XXXX XXXX {$300.00}, XXXX/XXXX {$580.00}, that I had not known existed nor was I in the know of the account being used. My Name, XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I am filing a complaint to dispute all existing accounts that continue to reflect on my report but are not my accounts and am asking that proof is shown that these accounts are in fact mine. Under Section 609, credit reporting agencies are required to disclose certain information to consumers who request it. Verifiable Proof. 
{ FRCA 607, 611, 609. } I noticed that there are addresses that are not mine showing as well. Please remove me from XXXX XXXX, XXXX, XXXX, XXXX. ( Gramm-Leach-Bliley Act ) 16 CFR 313.15 SECTION. ( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction. I do not nor have I given my consent to any consumer database to distribute or sale my information. 
I would like the following addresses deleted XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).  The specific information is not accurate. The following addresses and the variation on my name are not accurate. Please delete all other variations of my name. I am no longer affiliated with those addresses. I would like to have my credit report to reflect true up to date information that is accurate.
Consumer complaint received 2016-08-30
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southern Credit Recovery, Inc. (LA)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated.
Consumer complaint received 2019-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc. (FL)

I was going over my credit report I noticed an from AR RESOURCES BAL {$1800.00} I have never had an account or contract for service with You must provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. 
If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for AR RESOURCES diligent examination of this matter.
Consumer complaint received 2019-04-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (NJ)

A new collection posted to my credit report and I have no knowledge of who this is from. Never received any notices in the mail, bill or do I owe them anything. I have no knowledge of what services I have with them. I have no signature, copy of Id or signature to say I or this account is validated.
Consumer complaint received 2015-04-01
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC. (NV)

We have received 48 documented phone calls from a company called XXXX XXXX XXXX over the course of the last three weeks. We have attempted to get a fax number or mailing address to send a cease communication letter. At which time they simply hang up on us and will not give the information. They have also called family members 12 times leaving a number to return their call. The number they are calling from is XXXX and XXXX. A google search of the company name or number finds nothing listed other than harassing phones calls. Can you help get this stopped.
Consumer complaint received 2019-04-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Date of occurence was XX/XX/2019, XXXX $ scammed via a online fake puppy website for pugs, it was under my belief that it was a licensed breeder in another state. Payment was to be through XXXX and as it had me login to my Bank of America account the scammer had an account to receive funds I had assumed. All of it seemed that it was safe, as I did not think a Bank would work with an App that was unsafe.I had became concerned and reached out to a BOA rep in the fraud department an hour or so after the occurence. It became apparent it was a scam, after the fake breeder informed me I would need to pay XXXX $ for a specific puppy crate, that is when I contacted BOA to relay my concern for a second time.Unfortunately the website XXXX is still up and I have reported this to multiple sites to flag this. Hopefully to prevent this from happening to others.
Consumer complaint received 2019-03-18
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. (GA)

I'm in the market for a home and my realtor ask me how's my credit i was thinking it was pretty good until i actually checked it. Upon checking my credit report i saw a couple of items that are not mine. I need these items removed from my credit report XXXX, XXXX, XXXX XXXX, XXXX.
Consumer complaint received 2019-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (WI)

XXXX XXXX has been reporting on my Equifax report for over a year. I disputed this over and over because this debt does not belong to me. There were 2 inquiries on my report from them as well I also disputed those and they were removed. This debt with XXXX XXXX has not been removed and is negatively impacting my credit score. I currently have them under another dispute and Equifax suggested I file a complaint as I've disputed this over 10 times. This debt is not mine I have never applied for any credit, good or services with this company. I have a fraud alert on my credit account because of this very reason I believe my personal information has been compromised.
Consumer complaint received 2019-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc. (NJ)

My complaint is against Cash App on XX/XX/XXXX my son XXXX XXXX put XXXX into Cash App for me. XXXX XXXX his mother. However, instead of using my bank information, they submitted it to a card of a former contractor. the card was used to send them money. The card belonged to XXXX XXXX. However, the money was supposed to be sent to me-XXXX XXXX. I have our entire conversation in a file below. Cash app asked me to call the bank to get the charges reversed, knowing the bank couldn't give me any information because I wasn't the cardholder. I spoke with XXXX XXXX and she closed the account in XX/XX/XXXX. She s [ spoke to the bank XXXX XXXX ( Prepaid account ) They said she closed the account XX/XX/XXXX and there hasn't been any activity on the card since then. The bank said in situations like that the bank returns the money with 2 days to the sender ( Cash App ). Gave Cash App the information XXXX customer service Rep said they saw that money was deposited in the account twice. XXXX completely ignored the fact that my son sent the money too me. Someone keyed in the wrong information. Now they are asking me to get proof from the bank. Which they can't because it's not my account. I asked XXXX XXXX to do it so I could attach it to the thread as XXXX asked, but the bank said they couldn't do it. I'm frustrated with Cash App. I removed XXXX XXXX 's card so they would not make the same mistake again. My son sent me that money for food and a pair of used shoes because I injured my knee. Cash App refuses to do the work and deleted the refund so the money wouldn't come back to the sender. See the attachment for full conversations.
Consumer complaint received 2019-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AR)

To whom it may concern I have obtain these student loans during the time when I was younger, just leaving my parents home and thought I could take over the world. As a result of poor judgement and miss leading information from my loan lender, Navient, It has lead me to filing bankruptcy three time and little to no options in a way of survival for me and my household. 

I'd call the student loan provider and ask them to give option on what to do if you are on a fixed monthly payment would be with the longest extended repayment program, which is up to 25yrs. Standard payment plan for student loans is 25yrs to 30 years brings the payment well over XXXX per month. That is something that I can never afford. 

Going to school, getting a great job and obtaining home ownership is the American dream. But for me currently it is unobtainable. I have recently read about the lawsuit that Navient was in and I too would like to be added like many others to the list to have my loans removed from my credit bureau and be free of the monster of student loans. Over XXXX of my students loans are with this company and many like it that have preyed on the weak just to get an education. 

I have a high debt ratios due to student loans, deferred student loans are not factored into your DTI, you do not have waiting periods after a bankruptcy. However, you will need a min. of 640 scores, you will need a higher down payment, and your DTI must be on point. Which I don't have. Many employers look at your credit in order to give you employment. And since I don't have that either it is a win win situation for me. 

I would like to petition to have my student loans removed, deleted and permanently take off my credit. My life would be so much manageable where I can build a better life for my family and live the American dream. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sa-Vit Enterprises, Inc. (NJ)

I have reach out to them the company thew certified mail on XX/XX/XXXX i checked with the US post office web site and the website has informed me that the company has received my communication. I don't know the the collection company i don't have an contract with them i have asked them to provide me with proof of the contract and they have not provide me with this information. 

the dates they have provided me with is XX/XX/XXXX ,XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2019-03-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

See previous complaint ( XXXX ) for background details. After 2 1/2 months of back-and-forth with LoanCare after they first accused us of having insufficient flood insurance, then reviewing our policy and realizing our coverage was more than sufficient, only to continue threatening force-placed coverage on us that we didn't need, we received a letter from the Office of the Customer at LoanCare on XX/XX/2019 assuring us that our flood insurance policy is sufficient and that all threats to force-place coverage on our behalf have been cancelled. However, one week later, on XX/XX/2019, we logged into our account to find that it had once again been flagged as having insufficient flood insurance coverage and threatening us once again. We have received countless letters in the mail harassing us about this issue and each time we call LoanCare, speak to resolution specialists and managers in the flood/hazard department, only to be told, " Oh yeah, your coverage is more than sufficient, we'll cancel this right away. '' Then why does this keep happening? Our coverage and policy have not changed at all during this entire ordeal, so we have no idea what the problem is. We are also aware that LoanCare settled a class-action lawsuit two years ago for this very issue, so it is appalling to see them as a company trying the same tactics when they've been called out on this issue before.