davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

Dear Fair Collections & Outs, I hope this letter finds you well. I am writing to bring to your attention some concerning discrepancies in the credit reporting related to my account. Specifically, I am referencing the provisions outlined in 15 USC 1692e and FCRA 623 ( a ) ( 3 ) 807 regarding false or misleading representations.

Upon reviewing my credit report, I noticed that Fair Collections & Outs has reported certain information that appears to be inaccurate or misleading. According to the aforementioned legal statutes, debt collectors are prohibited from engaging in any conduct that is deceptive or misleading, including the false representation of the character, amount, or legal status of any debt.

In accordance with 15 USC 1692e, it is imperative that all communications from debt collectors, including those reflected in credit reporting, are truthful and not misleading. Additionally, FCRA 623 ( a ) ( 3 ) 807 explicitly prohibits the dissemination of false information by credit reporting agencies, which includes the reporting of inaccurate debts or misleading representations. 

After careful examination of my credit report, I have identified the following discrepancies [ provide specific details about the inaccuracies in the credit reporting, such as incorrect debt amounts, misrepresented account statuses, or any other misleading information ]. 

Given the legal obligations outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I kindly request that Fair Collections & Outs promptly investigate these discrepancies and take appropriate measures to ensure the accuracy and integrity of the information being reported to credit bureaus. 

Furthermore, as a consumer protected by federal law, I expect to receive written confirmation of the results of your investigation within the time frame specified by the FCRA. 

Please consider this letter as a formal dispute of the inaccuracies in my credit report as reported by Fair Collections & Outs. I appreciate your prompt attention to this matter and your cooperation in resolving these issues in a timely manner. 

Thank you for your understanding and cooperation.
Consumer complaint received 2022-11-29
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX/www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$150.00} ; XXXX XXXX XXXX  XXXX Balance : {$7700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$560.00} ; ( Original Creditor : XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I submitted a letter to the XXXX Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-30
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)

Dear Trans Union, I am writing to dispute the following information that XXXX XXXX XXXX only shows up in the collections of your company. I have asked for a validation of the original documents, dates and the amount. I was never sent a validation letter. I sent the notice in XXXX and still have not received anything. 
This item XXXX XXXX XXXX is inaccurate [ or incomplete ] because this is not my account I am requesting that XXXX XXXX XXXX have the item removed [ or request another specific change to correct the information. ] Please reinvestigate this matter and contact the XXXX XXXX XXXX to have them delete [ or correct ] the disputed item ( s ) as soon as possible.Or have the item deleted immediately
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MS)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we did not agree upon and I did not sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they did not follow the proper XXXX step validation procedure which makes this unfair practices. According to the FDCPA I am entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2022-11-30
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)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (CA)

On XX/XX/XXXX, I signed an agreement with GM Financial to lease a XXXX XXXX electric car. The agreement was to expire on XX/XX/XXXX. 
Based on the agreement, I pay a monthly charge and be entitled XXXXo drive 15,000 miles per year, or 1,250 miles per month. 
On XX/XX/XXXX, I contacted GM Financial to extend the lease agreement and GM Financial agreed to extend the lease agreement for two months. With the extension of the lease agreement, both GM Financial and I understood that the allowed mileage will be increased proportionally to be 15,000 X3 +1250X2= 47500 miles. I also paid additional monthly charges to GM Financial for the XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/XXXX, I returned the car XXXX day before the new end date of the lease agreement. The odometer read : 48,304 miles. 
After that, GM Financial sent me a bill charging me, among others, a milage fee in the amount of {$820.00} ( = ( 48304-45000 ) X0.25 ). This amount was calculated based on the originally allowed mileage of 45,000 miles, but failed to consider the 2500 miles of additional two months of driving.

I paid GM Financial based on the following calculation : ( 48304-47500 ) X0.25 = {$200.00} and also explained the reason. 
GM Financial refused to listen to my explanation and also reported this issue to the credit agencies. GM Financial 's capricious business behavior damaged my credit score and impacted my financial activities including my loan application.
Consumer complaint received 2021-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

paypal closed my account for no reason and will not help me whith getting it back up and going i am not sure if this some mistake as i assume it has to be i have not been able to get help from them for months but i just rememberedi could file a report on here as i feel they are not doing their job properity and it is effecting me a great deal as i used paypal quite frequently my email linked to my paypal is XXXX XXXX
Consumer complaint received 2022-12-05
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. (TX)

FCRA Violation : hard enquires not mine 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

The rep I spoke with never ifs herself or the debt in question. I asked to speak to a manger numerous times, was Put on hold for XXXX minutes, same rep came back, again asked for manager, never transferred me to XXXX and eventually hung. Did not give mini XXXX or record disclosure
Consumer complaint received 2022-12-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MD)

This company has been reporting an invalid medical debt to XXXX since XXXX of XXXX. 

When I requested debt verification, the only documentation they could provide was the name of the company and the supposed amount owed. 

They have yet to produce - A copy of an original written agreement between the company and myself. 
-Proof that they have the right to collect in the state of Maryland This is currently beyond the statute of limitations in the state of Maryland XXXX The procedure was over 7 years ago.
Consumer complaint received 2023-05-22
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. (DE)

In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 

XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that a consumer has 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 2022-12-22
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. (WI)

After reviewing the FCRA ( which governs how information is furnished in a consumer report ) as well as consumer law, it has come to my attention that your company is violating the law ( s ) set in place to protect the consumer. Last time I checked, company policies do not trump federal law. If this is the case, send me documentation ( s ) supporting the claim.
Consumer complaint received 2023-06-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION (GA)

The response from the bank did not address the missing amount of XXXX XXXX in my account that is owed to me via a check or ACH payment. 
So am providing an address that is not in their system to receive my check via USPS delivery Should they have problem releasing my funds to me. 
I authorize them to return all funds to the sender. 

At this time they are accountable for the specific amount Plz I need a full explanation to my email address from the bank, which I did not received. 
About the amount since the account was locked. I was told that no funds could leave the account XXXX XXXX XXXX
Consumer complaint received 2022-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO. (AZ)

Myself and my family members are receiving multiple robo calls from either an unknown number or from XXXX in regards to a case XXXX. After numerous calls, I called back and was referred to XXXX. This phone number does not appear to connect as a get a recording from XXXX that it is invalid. I called the XXXX number and they finally transferred me to XXXX XXXX XXXX. Ive spoken to XXXX at the firm and they are claiming to be collecting on a Chase credit card from XXXX. This debt was discharged in a XXXX in XXXX. I sent the XXXX paperwork to this firm over a month ago and they have started to call even more but not directly to me but my family looking for me even though they have my information. I have never received XXXX notice in the mail or email.
Consumer complaint received 2023-06-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc. (AL)

I keep getting a phone call from XXXX XXXX saying he's from Credit Corp Solutions. He has used illegal tactics, saying I need to pay this debt or he'll have no choice but to file legal actions against me. I complied and set up a {$100.00} payment, but then I was told by my uncle, who is a lawyer, that I shouldn't have until they sent me proof of debt ownership, which they did not. And they are not allowed by law to make a legal threat via phone, which he did. I have blocked this payment from being charged to my credit card. This company must be held accountable for using a scare tactic to pay this debt and not complying with the FDCPA. I want Consumer Financial Protection Bureau to have this company accountable for illegal debt collection practices. For any more threatening calls, my uncle is prepared to file a harassment suit against them.
Consumer complaint received 2023-06-03
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: EQUIFAX, INC. (PA)

I reported a change but dispute does not make clear if any changes were made. Clearly the report updates historical data but then does not report change on webpage. Neither payments made to account nor updated account information regarding change in borrowed amount were changed.
Consumer complaint received 2024-04-22
Product: Debt collection — Private student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: EdFinancial Services (PA)

XXXX XXXX, XXXX, XXXX XXXX  Ed financial services, also been alot of scams. 
Do not have specific amount, I recieve paper mail and email which I don't have an online set up so I am worried. The school I went to was XXXX XXXX XXXX in XXXX.
Consumer complaint received 2023-06-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-07-26
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WA)

On XXXX at around XXXX  I attempted to use an ATM but the ATMS ar four different locations were out of order. I ran into customers who also could not access funds. Sometimes the ATM said my card was invalid, other times it said out of order. I attemped to use my card at the grocery store and it was denied. I was not able to buy dinner with my credit card either. 
I called US Bank and they insisted there was no outage and nothing they could do. I see on XXXX there was huge outage starting on XX/XX/XXXX but US Bank won't acknowledge it is ongoing or tell us when it will be fixed. I have not been able to access my account for several days now. I'm concerned my autopayments and rent won't be processed either.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

XXXX  XXXX report not showing XX/XX/2023 and XX/XX/2023. I have asked them to updated and report the proper information as this could hurt my scores.
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I asked for help back after the fire.. the card my phone and all my everything burned up in the fire.. plus 2 dogs and Im a veteran! I never got a replacement card so I didnt know what charges were in there and the entire card is charges I believe from yall.. I paid XXXX $ asking for a call back in XXXX I believe then my phone broke I have a message phone temp. XXXX and am at XXXX XXXX XXXX XXXX XXXX still 1 months without help at all and now need XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. this card is refining my credit and Im working with XXXX XXXX to fix my credit but how can we fix it remove all thes charges and help me get back on track? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the Va and XXXX are not helping me plus my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. plz help me with this card I can use this email and plan to try to get a new phone Im on XXXX and have been since XXXX and also XXXX XXXX XXXX  and working to get that increased.. my XXXX is worse than ever and I just need my credit to reflect i want to fix my credit and even the Va  isnt helping me.. housing is non existent in Nv  for veterans, I got approval for housing 2 months ago and am still stuck in this XXXX XXXX XXXX plz help me remove these fees and tell me how the bill got so high.. I believe I used it 1 or 2 times and like I said am trying to rebuild my credit.. unable to work and even today have to use a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX plz help me out! I thought XXXX XXXX my ry to start over and use capital one help me fix my credit.. thought it was closed or replaced so I could see what was charged to the card but I never received a call or anything about all these fees plz help me so I can have the XXXX I paid toward this card.. if you remove the remaining fees I believe we can start over and begin again! Plz and thanks.. Im a proud Veteran and want to help my fellow vets but my credit sucks from the effects this card is putting on my credit score.. plus I havent charged anything since the fire so??? Help plz
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST INTERSTATE BANCSYSTEM, INC. (OR)

So my bank has changed 3 times in the past 8 yrs. Started out as XXXX XXXX XXXX, then to XXXX  XXXX XXXX and now First Interstate Bank. 
They are constantly over draft my account. They constantly authorize transactions without my permission just to overdraft me and they leave transactions pending for weeks on end just to overdraft me. I'm sick of it. They say it's okay with what their doing but yet their being sued by other people. 
They all ready have lawsuits against them for this very reason. XXXX XXXX First Interstate Bank First Interstate bank in XXXX, OR XXXX is conducting fraudulent acts on every person with that bank. Im changing banks as of the 1st of the year I don't have exact dates but I can print everything out and give you dates that way