davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-01
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I have a complaint against MoneyGram. For years I have been sending money to my wife using MoneyGram. 

On XXXX XXXX, 2015 I drove into a MoneyGram store and paid the fee to have {$990.00} transferred to my wife in XXXX XXXX. 
I then drove back home and called my wife and gave her the reference number I was given. 

My wife drove to the bank in XXXX XXXX, waited in line for 1/2 hour, only to be told the transaction had been blocked and shecould not receive the money. 

I then drove back to MoneyGram store and was told only thing they could do was to cancel the transaction. 
They also gave me a MoneyGram number to call. 

I called the MoneyGram number XXXX and was told that my name had been confused with someone else on a listthat they do n't do business with. The Agent, named XXXX, told me that they had corrected the problem, and that I should have on further trouble. 

On XXXX XXXX, 2015, I again drove into a MoneyGram store and paid the fee to have {$990.00} transferred to my wife in XXXX XXXX. 
I then drove back home and called my wife and again gave her the reference number I was given. 

My wife once again, drove to the bank in XXXX XXXX, waited in line for 1/2 hour, only to be told the transaction had been blocked and shecould not receive the money. 

I have XXXX complaints : ( 1 ) If MoneyGram is not going to honor the transaction, then they should inform you up front and not waste your time and gas money. 

( 2 ) If MoneyGram and the Government compiles " list '' of people they can refuse service, then there should be clear guidelines as to what is required to get off this " list '' ; or you should be given concrete reasons why you must remain on the list. 
There should be a process clearly spelled out for people who do n't belong on this " list '' to get off of it.
Consumer complaint received 2024-03-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

Company reported inaccurate information to my credit report I dont owe any debt. 
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt. 15 USC 1692 ( c ) c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

An online account was created with XXXX and paid upon closure. 

XXXX went as far as to provide a direct deposit for the remaining balance due upon closure. 

This account has been reported inaccurately as a charged off/write off for a bad debt that is invalid in the amount of {$150.00} and I request the formal validation of all tradelines associated with this account via mail.
Consumer complaint received 2021-09-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Trans union and XXXX  will not remove a debit that yet have validate verification they just keep stating updated with out verification a collection XXXX XXXX for XXXX was on my credit last year and removed and now added back I have no knowledge of the account and dot believe its mines XXXX recently had a breach in selling customers identity. I will like this account removed
Consumer complaint received 2022-09-06
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. (CA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 11. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 12. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 13. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 15. there is some inaccurate information reporting. Account Number : XXXX Please remove it from my credit report. 16. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 17. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX 20. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

An online account was created with XXXX and paid upon closure. 

XXXX went as far as to provide a direct deposit for the remaining balance due upon closure. 

This account has been reported inaccurately as a charged off/write off for a bad debt that is invalid in the amount of {$150.00} and I request the formal validation of all tradelines associated with this account via mail.
Consumer complaint received 2016-08-24
Product: Debt collection — Federal student loan
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Windham Professionals, Inc. (CA)

My name is XXXX, but I was XXXX in high school which I never graduated from XXXX. I since have had my XXXX change at XXXX I 'm now XXXX, I still never got my highschool degree nor GED and I 'm being harrashed about paying this back
Consumer complaint received 2015-09-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (NJ)

This is a XXXX XXXX Private Loan which just went back into payment status XX/XX/XXXX when my Bankruptcy was finally discharged XXXX Chapter XXXX ). I made a payment arrangement last summer were I was paying {$40.00} or {$50.00} a month. I started to receive harassing calls from Navient XXXX XXXX XXXX is XXXX Navient XXXX. I did n't know who they were and did n't identify themselves. I finally found out XXXX XXXX and Navient are XXXX and the same, but XXXX hand does n't know what the other hand is doing or receiving. Navient did n't want to honor the payment agreement. I am permanently XXXX receiving Social Security, I can not afford full payments. I received harassing phone calls as did my XXXX year old co-borrower/grandmother, we are both XXXX and ill, we do not need the nasty phone calls. I sent XXXX letters to XXXX XXXX and Navient per the Fair Debt Collection Practices Act regarding no more phone calls, correspondence only, the letters were faxed and mailed. I received a phone call on my cell phone which I told them to remove because I never provided them with my cell phone number nor authorized them to call my cell phone, they left a message on that line, not verifying that, that was indeed the line that I used and after the fact that I sent the Fair Debt Collection Practices Act Letter, this was on XXXX. On XXXX my co-borrower, XXXX XXXX, my grandmother received a call from Navient from a male who would not state his stating he was going to call her all day today and tomorrow, once again after the Fair Debt Collection Practices Act Letter signed by myself and my grandmother was faxed and mailed to Navient on XXXX. The XXXX XXXX letter was sent on XXXX. They are in severe violation. My stress level and mania has increased and the XXXX XXXX and stress level of my grandmother. This is not fair that corporations can take advantage of people. I have done what their " Advocate Department '' has asked me to do as far as providing documents from my doctor to possibly have this debt discharged and I am still being harassed and they are not abiding by the Fair Debt Collections Act.
Consumer complaint received 2015-12-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America mortgage account XXXX is being reported 'open ' as of XXXX XXXX, 2015 ( please see attached documentation ). However, after numerous conversations with Bank of America representatives including XXXX XXXX and XXXX XXXX, I have been told that the account is, in fact, closed. Bank of America must clear this matter up immediately by correctly reporting the account status as closed. Failing to do so is in direct violation of the Fair Credit and Reporting Act, 15 U.S.C. 1681 ( " FCRA '' ), and if the information can not be reported correctly it should be removed from my credit file.
Consumer complaint received 2017-04-29
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. (MI)

I h ad 3 auto loans with  XXXX  and was late one x for 20 days on one  xloan but chase is reporting 90 days late : They reported I was late 90 days but paid in full! First off, if you are late 60 days, let alone 90 days, they would repossess your car! I reported it to the  XXXX  major reporting credit institutes but they wont remove it! They claim they went to chase and concluded info is correct yet when i call chase, they cant find the account! I want it removed because its clearly a lie! everyone knows 90 days late, and you dont have a car!
Consumer complaint received 2015-11-22
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Loan Servicing ( intimidation to refinance with mortgage institution ). 
Last week, I called Bank of America in an attempt to understand my options, due to my Home Equity Line of Credit, turning into a balloon payment in XXXX 2016. At the time, I informed the customer service representative about competition in the market place and I requested their best rate, as my bank ( not BoA ), has mailed me a formidable offer for my home equity line of credit. The agent treated me with disrespect, therefore I asked for a supervisor. The supervisor continued this treated. In addition, the supervisor informed me the value of my home has decreased. I responded that I have obtained a recent Appraisal from a Virginia Licensed Appraiser and his information is inaccurate. Also, I only asked about my options with regard to the balloon payment, never did I request a change of my loan or to apply for a new loan. 
Seven days later I received a letter from Bank of America which suspends my Home Equity line of credit, due to the decreased value. Also in this letter, is evidence that BoA checked my credit and made a consumer decision denying my loan ( I never authorized them to check my credit, nor did I apply for a loan ). It is important to note, we have never missed a payment. Also, on a recorded message while on hold, BoA records customer calls. I welcome your monitoring these conversations.
Consumer complaint received 2015-10-01
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One has reported 30 days late on my credit report on XX/XX/2014, XX/XX/2014, and XX/XX/2014. This is incorrect as i had auto payments with them. It is not my fault that there automated system might had processed my payments late or posted them late.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Complaint Against Portfolio Recovery for Failure to Respond to Debt Validation Letter Dear Sir/Madam, I am writing to file a formal complaint against Portfolio Recovery for their failure to respond to my debt validation letter dated XX/XX/2024. Despite my explicit request for verification of the debt, Portfolio Recovery has neglected to provide the necessary documentation within the legally mandated timeframe. 

As outlined in my original correspondence, I provided Portfolio Recovery with ample opportunity to furnish the supporting documents and probable evidence regarding the alleged debt referenced by account number XXXX. However, despite the passage of more than XXXX days from the date of my initial letter, Portfolio Recovery has failed to comply with federal laws governing debt validation. 

Their willful negligence in addressing my concerns not only violates my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practice Act but also exacerbates the financial distress and emotional burden I have endured due to this unresolved matter. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that Portfolio Recovery fulfills its obligations under the law. Additionally, I request that the Bureau notify me of any updates or resolutions regarding this complaint. 
The debt collector is in clear violation of the federal laws listed : 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1692b 804. Acquisition of location information, 15 USC 1692c 805. Communication in connection with debt collection, 15 USC 1692d 806. Harassment or abuse, 15 USC 1692e 807. False or misleading representations, 15 USC 1692f 808. Unfair practices, 15 USC 1692g 809. Validation of debts, 15 USC 1692i 811. Legal actions by debt collectors, 15 USC 1692j 812. Furnishing certain deceptive formsand shall be held liable under penalties of the state pursuant to 15 USC 1692k 813. Civil liability, 15 U.S. Code 1681n - Civil liability for willful noncompliance, 15 U.S. Code 1681o - Civil liability for negligent noncompliance. 


FDCPA 809 ( b ), 15 USC 1692d 806, 15 USC 1692c, 805, FCRA 15 U.S.C. 1681c, 15 U.S.C. 1681e, 15 U.S.C. 1681i, 15 U.S.C. 1681n, and 15 U.S.C. 1681o, has resulted in significant harm to my financial well-being and reputation. 



Please find enclosed a copy of my original debt validation letter sent to Portfolio Recovery for your reference. 

Thank you for your attention to this matter.
Consumer complaint received 2022-09-06
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. (CA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 11. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 12. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 13. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 15. there is some inaccurate information reporting. Account Number : XXXX Please remove it from my credit report. 16. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 17. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I discovered that the same information on my credit report was inaccurate when I reviewed i in my updated report in XXXX XXXX. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus 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  Balance : {$60.00}XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8900.00}, XXXX XXXX XXXX Balance : {$37000.00}
Consumer complaint received 2022-02-13
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. (IL)

I, XXXX XXXX, a federally protected consumer has attempted to reach out to XXXX  XXXX XXXX to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still don't know how or where this debt has been verified. I'm aware that these are both FCRA & FDCPA violations. I need assistance with this matter as soon as possible because I have not been provided with answers from either XXXX  XXXX XXXX or the credit reporting agencies. I also have certified receipts from USPS for the letters I have been sending since XXXX.
Consumer complaint received 2021-01-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (CO)

Whenever I'm late on my payment which may be one to two weeks. XXXX 's home plus has employees call four to five times a day seven days a week. Even after speaking to someone about my account and when I will be in to pay. XXXX 's home plus repeatedly has employees call four to five times a day seven days a week I have all the calls documented. A lot of the calls they will sit on my voicemail breathing coughing after a voicemail message has already played for them to leave a message and they don't. Right now is a very stressful time. Due to covid-19. And unemployment insurance not paying out in a timely manner. This is harassment beyond mental distress.
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Delinquent account — 
Company: WELLS FARGO & COMPANY (CO)

I keep getting collection notices from Wells Fargo Bank for amount due at the time apprx {$11000.00}. I keep asking for signed receipts to see if I really owe the money. All I get back is according to our records I owe the money.