davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

On Monday XX/XX/2022 I sent for family support money through MoneyGram at a XXXX location and paid cash for this transaction, moneygram had verified with myself the sender and my family member the receiver all the neccesary information to verify the legitimacy of this transaction the money was never delivered to my family member. On XX/XX/2022 I requested the cancellation of this transaction and today is tuesday XX/XX/2022 my money is still not available to be refunded from money gram and every single day I call they ask for additional 24hrs as supposedly my canceled transaction is under review, today also they have stated they do not have a time frame as to when would my money be refunded.
Consumer complaint received 2022-05-04
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: R & B Corporation of Virginia (AR)

I asked this company over 5 times to send me a break down of this supposed bill they claimed I owed. I never got anything from them. They slap this account onto my credit report causing me to get denied for my home loan. I reached out to them several times and they kept referring me to the collection agency they sent me to which in return referred me back to the creditor. This bill came from a doctors office which violates HIPPA and I know for a fact I refuse to sign any disclosing of my personal business. they expect me to pay something that goes against the law and I don't have a debt validation either.
Consumer complaint received 2019-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

My student loan account recently switched from Navient to XXXX XXXX because I filed a XXXX XXXX. Immediately prior to the switch, while at Navient, none of my loans were in forbearance. Loans received from attending XXXX College were placed into repayment ( as I desired and planned for ) under the PAYE plan and this was confirmed speaking with a Navient representative at approx. XXXX EDT on XX/XX/2019. On XX/XX/2019, representative XXXX at XXXX XXXX informed me that Navient should have placed my XXXX loans on forbearance because I had other loans in a grace period. XXXX required that I ask them to remove the loans from forbearance that they put into forbearance between XX/XX/2019 and XX/XX/2019, even after taking a payment under PAYE on XX/XX/2019. As such, I was required to ask to be removed from forbearance on XX/XX/2019, contributing to a larger interest capitalization than if Navient had originally placed my account on forbearance as XXXX would have suggested is normal procedure. 

If Navient had put me on forbearance upon my XXXX loans coming into repayment, I would have requested to be off of forbearance sooner and thus would face less interest capitalization ( if this is indeed standard practice as XXXX suggests ).
Consumer complaint received 2022-07-05
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 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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # 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
Consumer complaint received 2018-04-16
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. (TX)

Duplicate XXXX XXXX XXXX accounts belonging to my ex husband are appearing on my report. I am not responsible for this delinquent account, and have court paperwork to show this. This company has not only fraudulently reported this XXXX XXXX XXXX  account, but they have sold it to another debt collector who is now also reporting it with a slightly different amount. Transunion has failed to fix this problem despite multiple complaints, and this error is now preventing me from getting a favorable interest rate on a car loan.
Consumer complaint received 2023-01-04
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SIMM Associates, Inc. (GA)

XXXX XXXX, XXXX XXXX XXXX is reporting an erroneous and inaccurate charge-off with a past due balance on my credit report with XXXX and XXXX. In violations of FCRA, a charged-off account is already written off. There should be no past due balance of {$4500.00} when the account is charged-off already. 

I dispute the entire balance pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ) against XXXX XXXX, XXXX XXXX XXXX. 

I previously disputed this erroneous and inaccurate information with XXXX and XXXX XXXX, XXXX XXXX XXXX was removed from my credit report for inaccurately reporting a charged-off account with a past due balance amount owed. A direct violation of FCRA, requiring all inaccurate information to be removed. 

XXXX XXXX, XXXX XXXX XXXX sold the charged-off account to SIMM ASSOCIATES XXXX INC. Who notified me on XX/XX/2022 by letter attached as a Collections agency. 

Pursuant to FDCPA Section 809. Validation of debts ( 15 USC1692g ) requires validation of debt before reporting information on my credit file. I demanded validation of debt from SIMM ASSOCIATES , INC .

When SIMM ASSOCIATES, INC failed to validate the debt, they informed me that the account was transferred back to XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you REMOVE the following inquiries immediately. 
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 XXXX XXXX
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MI)

I was charged {$63.00} ( sixty-three dollars and XXXX cents ) for a purported stay at the XXXX XXXX XXXX XXXXXXXX, MO on XX/XX/2021. 

My Bluebird American Express prepaid card was charged on XX/XX/2021. 

I NEVER STAYED AT ALL IN SAID PROPERTY THAT EVENING OR EVER. 

I sent a letter by fax to American Express at ( XXXX ) XXXX on XX/XX/2021 disputing the charge, which is American Express 's Document Upload Center. 

I NEVER RECEIVED A RESPONSE. 

Therefore, Bluebird American Express is COMPLICIT in defrauding me, and for allowing a fraudulent charge to stand!
Consumer complaint received 2022-05-04
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. (OH)

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX Account # XXXX **** violated my Federal protective consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy
Consumer complaint received 2022-05-04
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: The Receivable Management Services LLC (AR)

On XX/XX/XXXX I submitted a dispute with XXXX about an account with XXXX  receivables llc. The account has been incorrectly reported and the dispute said estimated completion date was XX/XX/XXXX. However this dispute is still open and has caused the bureau to not allow me to dispute any other wrong info going forward. they've also dropped my score by XXXX points after contacting them about this unsolved dispute!
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquires that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-05-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (VA)

Hello dear on XX/XX/XXXX I did a wire transfer to Binance.US ( XXXX XXXX XXXX receive name ) XXXX signature bank. After 2 days I received an email said that my account has been lock for security raison and my wire will return to me within 2 business days. After 4 days I went to my bank commonwealth to ask my banker about the wire they called wire department to ask about it no wire was refunded to my account. I try to contact Binance.US no phone call no one respond to my email. The wire amount is {$13.00} 000 .i even went on twitter to complain I just received very rude email scam message I am so desperate. I dont know where to start no phone only the adress of XXXX XXXX no contact please I neeed help I am very broke now. This issues takes all my time and energy. My banker even called signature bank about the refund they couldnt get any answer. Please I need help thank you.
Consumer complaint received 2021-10-12
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 submitted a dispute on XX/XX/2021 for XXXX XXXX XXXX Account # XXXX and it was not investigated properly
Consumer complaint received 2021-06-10
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. (FL)

Account : XXXX XXXX XXXXXXXX # XXXX On XX/XX/2021 I requested the following from XXXX XXXX XXXXXXXX : Validation of debt, Method of verification and Assignment of debt for this account. They have place this account on my credit report without notification. If they believe they have notified me please provide " Certified Mail Receipt '' It's now XX/XX/2021. I have never received any of the requested documentation. Only a letter through the CFPB portal stating when notification was sent out, but there is no PROOF ( CFPB letter is attached ). In addition, They are in violation of my HIPPA Rights and FCRA it's been over 30 days since I have requested this information.

Please Reference CFPB file # XXXX for initial compliant directly with the company.
Consumer complaint received 2022-05-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Experian Report number XXXX I am filing this complaint because XXXX has ignored my multiple request to provide me with the documents that their company has on file that was used to verify the accounts I disputed Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of FCRA - They are required to " ... promptly delete all information which can not be verified ''. 

Account Name : XXXX  XXXX Account number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Please resolve this issue as soon as possible. 

Thank you
Consumer complaint received 2022-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (KS)

Studentaid.gov does not have legal loan paperwork nor promissory note. Can not provide evidence loan exists nor previous payments made during 24 years Said loan supposedly existed. Payment terms were 20 years and never missed. Terms of loan met. Therefore balance legally zero. No evidence provided by supposed creditor to validate their claims. Current rules of Biden Administration if no evidence payments not made then assumed that they were made. There are no records of payments. Even though loan conditions met they refused to provide evidence and refuse terms met. And yet credit bureau still reports this damaging credit report.
Consumer complaint received 2021-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TN)

On or around XX/XX/XXXX I was traveling on a flight to XXXX, NE. When I landed in NE I attempted to schedule an XXXX only to find out my credit card was being denied. I then called Chase Bank where I had been a card holder since XXXX with two cards by Chase Bank. I had a XXXX XXXX and a XXXX XXXX Rewards Card. When inquiring why my cards were not working they stated " After careful consideration, we closed your credit card accounts on XXXX, XXXX, XXXX, because our affiliate is ending their banking relationship with you '' I stated that must be a mistake, my wife and I have perfect credit, we have paid our card in full every month for 15 years, we have no debt, and no one had stolen our identity. I proceeded to ask questions and they would not help me, transfer me, or answer any questions. I asked what I needed to do to rectify the situation and they stated you can not do anything we have ended the relationship. I tried several times after that calling customer service with no success and frankly they were very rude for a customer that has been loyal for 15 years. Then, approximately 10 days later we received a letter in the mail form Chase bank confirming what I have state above. I next tried calling both Marriott and XXXX both of which had never heard this before. They apologized but stated there was nothing they could do. I am frustrated as they will not explain " why '' my card has been terminated and I can no longer participate in the points system that is offered by the companies. I would like an explanation from the company as to why this has happened when I have held up to my end of the credit card.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I sent a letter to XXXX requesting the all documents and the removal of this information under " Public Record ''. The company refused to comply. They sent a letter stating that they did not have to verify anything because it is public record.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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 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 has violated my rights. Or list of inquiries 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 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpha Recovery Corp (GA)

Alpha Recovery Corp is attempting to collect an erroneous debt on behalf of XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX  as the original creditor for the account ending in XXXX and the balance amount owed of {$1600.00}. 

I previously disputed that XXXX XXXX XXXX, XXXX was not my creditor and that no debt was owed to XXXX XXXX XXXX, XXXX. Additionally, XXXX XXXX XXXX, XXXX was removed from my credit reports. Alpha Recovery Corp 's attempt to collect this debt is in direct violation of FDCPA. 

I dispute the entire balance pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ). Pursuant to FDCPA Section 809. Validation of debts ( 15 USC 1692g ) requires validation of debt before reporting information on my credit file. 

I hereby further dispute the account ending in XXXX with XXXX  XXXX XXXX XXXX  and the balance amount owed of {$1600.00}. Wherefore, XXXX XXXX XXXX, XXXX is not my creditor and no debt is owed to XXXX XXXX XXXX, XXXX. I had no prior lender relationship for the account ending in XXXX with XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2022-05-03
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. (NY)

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account Without my written instructions
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/2022 I have contacted Experian, XXXX and XXXX repeatedly over the last two months regarding my Identity theft situation giving them the police report and the deletion letter from one of the Creditors XXXX  and the Credit Reporting Agencies are still reporting inaccurate and misleading information. It is now XX/XX/2022 and the accounts are still not deleted. The Fair Debt Collection Practices Act section 807 refers to false or misleading representation in which the Credit Reporting Agencies are in evident violation of. The following conduct is a violation of this section : 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. The Debtor is falsely accusing me of a debt in which I am a victim of in Identity theft and so therefore should be permanently removed form being inaccurately reported. XXXX provided additional statement stating the liability of the debt is not applicable and yet it is being reported on all three credit reporting agencies as means of determent. I am reporting the inaccuracy in reporting, investigation and requesting that within 5 calendar days of this final reporting of this violation that the Experian, XXXX and XXXX immediately delete the XXXX and XXXX XXXX XXXX accounts immediately as I am in pursuit of seeking litigation. Thank you.