davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Outsource Group, Inc (NC)

On XX/XX/2022 I saw a collections that had been added to my credit reports XXXX, XXXX, and XXXX and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Sincerely, XXXX XXXX
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I noticed 4 total credit inquires when I logged into my XXXXXXXX XXXX  under my view credit score. I have not attempted to open any cards in some time.

Two days ago I received a billing statement from Bank of America ( which I do not have a line of credit through ) stating I had a line of credit for {$11000.00} and that I owed {$3400.00}. The purchase was made from a company called XXXX on XX/XX/2022. 

I contacted Bank of America and made a fraudulent activity claim right away. This was done today. I was provided a claim number and am awaiting the paperwork in the mail to complete the Claim.

I am very concerned as there are 3 other inquires out there which are affecting my credit score.
Consumer complaint received 2022-04-12
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 to the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, paragon rev acct # XXXX, XXXX XXXX acct # 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 also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-08-15
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. (TX)

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian and XXXX on XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If Experian and XXXX do not authenticate the account, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX Balance {$0.00}
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. (AL)

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.
Consumer complaint received 2021-01-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (PA)

I made a purchase for XXXX from curveous boutique. On XX/XX/2020 the mail carrier mis delivered my package. I went to the post office letting them know I never received the package. The post office told me to contact my bank which I did. The bank is telling me someone signed for the package a XXXX XXXX i explained I am not XXXX XXXX and I dont know who he is, later I found out it was a fill in mail carriers name. I have been disputing this since XX/XX/2020 with no resolution. I finally got a letter from the post office explaining I never received the package, after tracking it they realized it was delivered to XXXX instead of XXXX the bank told me its too late to get my money because of the lapse in time. I expressed to them that it was and ongoing investigation and that I had no control of when the post office would send a letter explaining meanwhile that XXXX made my account negative which then caused many things to be negative experiencing a XXXX additional fee. For each negative transaction I have never been able to get ahead after that. My son was murdered XX/XX/2020 and I havent been able to work my money is limited this charge has caused stress and anxiety because of the over drafts I have been behind because of that one transaction. Im Grieving and without working, money is extremely tight, because of that one transaction its made all my furture transactions become negative too Im currently out on disability ( after I lost my son ) I dont have money like that anymore it has been a struggle. Many may not be affected but XXXX has been tough to recover from. Please help, thank you
Consumer complaint received 2020-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I mailed 3 letters certified to all credit bureaus stating that I was not late on 2 businesses. However, after I mailed the letters I contacted the business establishments myself and mailed them a copy of my bank statements showing that I was not late on any payments with them due to my grace period I have with them. XXXX XXXX as we as XXXX XXXX XXXX XXXX XXXX stated they would update their information. I received my report back from XXXX showing they updated, but as usual Experian are liars and did not even do an investigation but yet said they did and did not remove he lates showing on my report. Please have them immediately update their records and if I am at all able to file suit against Experian I would like to do so. I have also sent a copy of the report from XXXX and the letter from Experian. I had told all bureaus I had a grace period of 10 days with XXXX XXXX and 6 days with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX . However, I had until the XXXX of the month until my mortgage was considered late.
Consumer complaint received 2022-07-08
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX  cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (AE)

XXXX XXXX XXXX refused to issue me his last name or company identification number. This is a financial company that refuses to help in any manner. The company stated that I had no outstanding Loan with this company, and all my payments were on time and completed paid off. I haven't used this company in XXXX to XXXX years. I stated that my credit is showing delinquent payments, closed and paid off. This is negatively affecting my credit score and i need to remove it. I also let them know I was going to dispute this and already know they will try to answer back, so can we resolve this issue, or issue me a memo type of a letter to send into the credit burros letting them know I do not owe anything, I have not been behind on payments, and the account is completely closed. Even if they would do a total deletion that would be fine, they told me contact my credit burros. This company is listing false items on credit reports and I need this repaired immediately.
Consumer complaint received 2020-12-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Michael J. Scott, PC (TX)

***NEW COMPLAINT WITH UPDATE DOCUMENTATION*** XXXX XXXX XXXX XXXX XXXX XXXX has never contacted me by mail or by any other manner regarding their debt purchase from XXXX XX/XX/XXXXXXXX now XXXX XXXX XXXX XXXX I became aware of their existence after they had filed a lawsuit against me for a debt I do not recognize. 
Under guise of under litigation, they use that as a cover to avoid producing documents of requested documentation of the disputed account or provide the proof that they followed the law by properly doing the necessary work prior to filing a lawsuit against another across state line of pennies on the dollar purchased debt. 
Any business with a computer, some software and some personal information of another person can create invoices/statements of charges of what they think is owed to them. Thus, the account could be a fraudulent account, having fraudulent charges, etc. ; thus, the totality of those charges is being disputed. 
The debt buyer from XXXX, South Carolina, has NOT properly followed legal procedures prior to initiating a lawsuit against an individual across state lines nor have they validated the debt ; therefore, the complaint should be dismissed immediately. 
***PLEASE SEE ALL ATTACHED PAGES 12 IN THIS NEW COMPLAINT***
Consumer complaint received 2022-06-29
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. (FL)

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.

Section 1006.14 ( a ), which implements FDCPA section 806 ( 15 U.S.C. 1692d ), sets forth a general standard that prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. he general prohibition covers the specific conduct described in 1006.14 ( b ) through ( h ), as well as any conduct by the debt collector that is not specifically prohibited by 1006.14 ( b ) through ( h ) but the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Such conduct can occur regardless of the communication media the debt collector uses, including in-person interactions, telephone calls, audio recordings, paper documents, mail, email, text messages, social media, or other electronic media, even if not specifically addressed by 1006.14 ( b ) through ( h ) ]. 

Company : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Account Number:XXXX  Date Opened:XXXX Amount : {$4100.00}
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is XXXX XXXX and XXXX reporting the monthly payment as {$260.00} a month but Experian {$320.00}? Which one is it? Is it {$260.00} or {$320.00} a month Why are there XXXX different balances being reported? XXXX XXXX is reporting a balance of {>= $1,000,000}, XXXX is reporting a balance of {$12000.00} and Experian is reporting a balance of {$12000.00}. What is the balance of this account? 
Why is the payment history reporting inaccurately? 
For XX/XX/2022, XXXX XXXX isn't reporting anything, Experian is saying I'm 90 days late and XXXX is reporting I'm on time. How can I be late and on time for the same month? 
For XX/XX/2022, XXXX XXXX isn't reporting anything, Experian is saying I'm 120 days late and XXXX is reporting me as on time. Which one is it? Was I late or on time? 
This account is reporting completely inaccurate.
Consumer complaint received 2021-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/2021 I made 3 deposits into the Navy Federal Branded ATM with the first transaction being recorded at XXXX for {$2000.00}. The second transaction was recorded at XXXX for {$3800.00}. The third transaction was originally for {$1200.00}. The machine returned 3 - {$100.00} bills and then asked me to confirm a deposit of {$900.00}. The third transaction for {$900.00} was not accounted for in my account while my ATM Debit Card was inserted into the machine the entire time. 

I called the fraud department on XX/XX/XXXX and filed a dispute because they did not show the 3rd transaction on their end. I was told by the fraud representative that the atm was " full '' from the holiday and he advised that I should not use the atm machines for cash deposits. I submitted the dispute and was advised to go into the branch. 

I went into the branch the following week and spoke with XXXX, the assistant branch manager, who advised me he would check the camera footage and investigate into the matter. 

XXXX called me back to tell me he saw all the details on the camera footage and corroborated everything I said happened after he reviewed it. He stated he saw me perform each transaction, saw the money being returned and even made a comment about the stack of money being so small that there was no way it was {$900.00} that was returned, and that the atm count was correct so they didn't have my money accounted for. I asked to investigate the individual transactions. They will not confirm this has been done and every rep Ive spoken to does not know how to obtain the information. 

I was called back by a Supervisor named " XXXX, '' who is the XXXX person Ive had to speak with this far on XX/XX/XXXX. She advised me that the branch had looked into it and no money was recovered. She advised me that the branch manager, XXXX, had stated he wasn't able to see the camera footage clearly which is not what he had said to me before. I was told there was a " count out '' done on XX/XX/XXXX and Navy Fed is unable to confirm how that count was done because there is no notation on my account in regard to the process they followed to complete the investigation nor any other notation for investigating after this " count out '' was performed when I requested for this to be looked into further. 

I am on Navy Federal Camera footage completing three individual transactions consecutively. Two transactions are reflected on my account. Navy federal has concluded the investigation and is telling me there is no money and therefore can not deposit the money they can not find that I deposited into their branded atm at their branch location on XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX.
Consumer complaint received 2022-08-20
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. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is Trans Union and XXXX reporting the monthly payment as {$260.00} a month but XXXX {$320.00}? Which one is it? Is it {$260.00} or {$320.00} a month Why are there XXXX different balances being reported? Trans Union is reporting a balance of {>= $1,000,000}, XXXX is reporting a balance of {$12000.00} and XXXX is reporting a balance of {$12000.00}. What is the balance of this account? 
Why is the payment history reporting inaccurately? 
For XX/XX/2022, Trans Union isn't reporting anything, XXXX is saying I'm 90 days late and XXXX is reporting I'm on time. How can I be late and on time for the same month? 
For XX/XX/2022, Trans Union isn't reporting anything, XXXX is saying I'm 120 days late and XXXX is reporting me as on time. Which one is it? Was I late or on time? 
This account is reporting completely inaccurate.
Consumer complaint received 2019-03-22
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. (TX)

An unknown loan type was acquired for credit under my name without my permission. I only found out about this loan once I attempted to get credit for myself. When I discovered this fraud on my credit report, I contacted the police and filed a police report. I contacted all three credit bureaus and they stated that once I sent a copy of the police report, they would remove this item from my credit. When calling to check on status, XXXX and XXXX removed the fraudulent information. Equifax did not. They stated that they would wait to see if XXXX and XXXX would remove. I explained to them that XXXX and XXXX removed the fraudulent information from my credit report as soon as I sent them the police report as I did with Equifax. They then stated that the only thing they could do was put into another 30 day dispute. I told them no, and that I wanted the fraudulent information taken off of my report. They are refusing to. Please help. This loan was obtained fraudulently using my information. I tried calling company to see if they could give me any information as to addresses or possible names of the people who did this, but they said they could not. I don't know who has done this, but it doesn't belong to me. Please make Equifax remove this false, inaccurate, fraudulent information from my report. The account shows as follows on my report. 
XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX MO XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX UnknownLoanType XXXX Past Due Amount : XXXX Last Past Due : XX/XX/XXXX XX/XX/XXXX : XXXX -- XXXX -- XXXX -- XXXX 30 Days : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 60 Days : XX/XX/XXXX
Consumer complaint received 2022-04-12
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

XXXX. They are making repeated calls to me every day and harassing me. 
XXXX. They sent me a letter in the mail saying I owe {$3000.00}. My original payment principal was {$1100.00}. They also charged me a late fee of {$380.00}, which is more than my installment payment amounts. This is outrageous and an attempt to take advantage of a customer. I want the payment lowered back to the principal immediately. My hours at work have been significantly reduced, and I am unable to pay the installment amounts and definitely will not be paying the extra fees they have tacked on. 

They need to work with me on payments I can afford over time, and they need to reduce the amount I owe by reducing the extra fees they tacked on. I also want the harassing calls to end.