davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

Hi CCS COLLECTIONS / XXXX AN XXXX COMPANY ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I received an Interest free Credit card with XXXX XXXX XXXXXXXX. I set up 2 balance transfers over 10 days ago and I see them transfered online with XXXX but they let me know they were electronically sent on the XXXX of XXXX. 
Today is the XXXX and they are still showing not processed at Capital One? 
I don't want it to appear to have double credit on cards, I need Capital One to show the Balance Transfer and it paid!! 

Two cards are XXXX ( {$2500.00} sent ) and XXXX Business ( {$1500.00} paid ). 

Please have them apply the transfer asap!! They are sitting on my money.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have been disputing a fraudulent charge on my account for a year. I even filed it with the XXXX. I have sent in documents and and email confirmation to Experian. They are still reporting it as accurate on my credit report. I have sent them an email from the company XXXX XXXX who after their investigation concluded that the account does not belong to me and they have filed an AUD with the credit bureaus to remove all threads of the account from my credit report. This account is not accurate! It is not a charge off! It was ID theft! Please delete it from my credit report!!!!
Consumer complaint received 2021-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MA)

I'm on the phone with a representative from the offshore location for CONVERGENT OUTSOURCINNG in regards to alleged debt with XXXX from XXXX? I told her that I need to see the full validation of the debt including the signed contract and she said that she doesn't have that I would need to contact XXXX How come a debt from XXXX all of the sudden is reporting in XXXX? Isn't this an obsolete and ghost debt? 

Honestly, Im confused and stressed, and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from your company " COI '' that I never have dealt with before or even the original creditor. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

USAA credit card that had debt forgiveness. USAA required to send 1099-C by XXXX XXXX. 
USAA contacted by mail, phone, and message. USAA has no path forward and has not provided required federal form
Consumer complaint received 2022-06-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2021 I had won a jackpot of XXXX at XXXX XXXX XXXX XXXX on the wheel of fortune. The Jackpot payee was XXXX ( XXXX XXXX XXXX ) I had been offered with XXXX annuity payments for the next 20 years or I was offered the lump sum payment of XXXX I had taken the lump sum payment but when XXXX had submitted payment they had submitted it to the wrong account an account I did not own or have any access too the account was a chase bank account I had informed XXXX that I hadn't received my money and that something must be wrong and when I had informed XXXX they immediately submitted an ACH reversal due to it being fraudulent but chase bank denied the reversal due to NSF which is not right nor is it my problem because the money was fraudulently sent to the wrong account and chase was informed of the fraud so NSF shouldn't matter it was never supposed to be deposited in the account I have tried to resolve this once before but Chase never held up their end of the deal which was to reverse the original funds back to XXXX so they could pay me what I am intitled to since I won it and am being taxed on it yet I never received
Consumer complaint received 2021-04-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc. (MO)

I lost my job and had to relocate home, I contacted the original creditor to end services and they told me I owed nothing else. I have since paid the debt in full to the original creditor, XXXX XXXX, Carter Young, the collection agency will not cease reporting negative information. The whole act is unfair, as I explained to them, I have never received any notification of any balance due, my mail was forwarded, however I never received anything from the original creditor. Therefore it should have never been placed in collections, nor reported negatively on my credit files. I am asking that all negative items including the fact that it was ever a collection be deleted immediately from all credit bureaus. I have no guilt in not paying on time as I had no notice of a bill being due. This is unfair.
Consumer complaint received 2021-06-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

back in XXXX I submitted request to validate the alleged owed debt reporting on my credit report. their reply was very misleading and I believe that this agency is collecting money from consumers who aren't bonded by contact to pay. I would love for you to take a look at my attachments as I hope it brings more clarity to my complaint. they are violating my consumer rights to privacy, as well as collecting unverifiable debt violating the fair debt collecting practice act pursuant title 15 chapter 41.
Consumer complaint received 2021-04-28
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: EQUIFAX, INC. (IL)

These Bureaus are falsely reporting alleged debt which is a FDCPA section 807 violation " 15 USC 1692e '' The alleged debt can not be verified and I have yet to receive a response after 30 days which is yet another violation under the FCRA.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion, XXXX and XXXX have consistently violated my federal rights for going on over a year now. It has gotten to the point I have had to hire a lawyer. I have tried to communicate directly with TransUnion, XXXX and XXXX and show them in writing where they have violated federal law and still they have refused to acknowledge these laws. The federal laws TransUnion, XXXX and XXXX has chosen to ignore are 15 USC 1681b as well as 15 USC 1692g. I have sent certified letters, I have sent screenshots of the laws they have violated, I have asked for proof which is required according to federal law, and they still have not complied. I advise TransUnion, XXXX and XXXX to cease and desist collecting and reporting the accounts until they have provided and supplied the full, thorough details surrounding their reasoning for keeping the accounts on my report against my wishes as a consumer. This is not only harming my credit report, it is also harming my chances of owning a home. TransUnion, XXXX and XXXX should not be allowed to get away with breaking federal law and that is why I am here in hopes that these accounts be removed from my credit report. Once their reinvestigation is complete, I would like for TransUnion, XXXX and XXXX to mail me a copy of my new and updated credit report pursuant to 15 USC Chapter 41. 

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-28
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: Radius Global Solutions LLC (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX ... RADIUSGLOBAL ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX ... XXXX XXXX ( Original Creditor : 01 XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I disputed this XXXX XXXX account with experian in XXXX and I notified them that this agency failed to validate this information. Experian refused to investigate and only parroted back that " this company verified this account as accurate. '' How do you " verify '' failure to show validation? This makes me believe that experian has failed to investigate my claims. They have not shown any proof of such verified information and claim that they dont have to. Then how do you verifiy an account without documentation? The law states I can request whatever you have in my file and I can request proof of your investigation documentation not just your results that says verified updated or deleted. How did you reach this conclusion?
Consumer complaint received 2021-02-25
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. (MD)

My name is XXXX XXXX, I am submitting this complaint for myself and there is no third party involved. I reviewed my credit report and there are inaccurate accounts showing on my credit report. I am requesting that these accounts be removed. I have attached a list of the accounts I saw that is not accurate. I am a victim of identify theft. I am also submitting a copy of my ID.
Consumer complaint received 2024-11-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

The date was XX/XX/year>, the repossession company came to repossess my vehicle and breached the peace in the matter. While the company Auto now, replied they never acknowledged the blatant breach of peace. They only mentioned the contract which would be voided due to breach of peace during the matter. I will pursue legal litigation if nothing is said or done about the disruption. I would like a prompt response from the company regarding this matter.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

In XX/XX/2020 we applied for, and was granted a COVID mortgage forbearance for our property by XXXX XXXX  which went into effect XX/XX/2020 through XX/XX/2020. In XX/XX/2020 our mortgage servicing was assumed by XXXX XXXX XXXX, XXXX. In late XX/XX/2020 I recieve a " Late Morgage '' notice for our XX/XX/2020 payment and immediately reached out to XXXX to notify them we were on a forbearance and uploaded our origional documents to their portal. They claimed to have " no record '' of our agreement with XXXX I was immediately placed on a new forbearance plan with XXXX that was to run from XXXX through XX/XX/2020. I continued to contact XXXX numerous times as the " XXXX '' missed payment ( which was protected under a forbearance plan by the previous servicer ) was going to be an issue in time. Sure enough in XX/XX/2020 XXXX reported missed payments to XXXX, Equifax and XXXX   credit monitoring. My score dropped from XXXX to XXXX. I have since reached out to XXXX loss prevention numerous times, only to be told " we are working on it '' in one call, to " we have no record of your previous forbearance '' others. This is 100 % blatant abuse of the CARES act by our mortgage servicer and there seems to be no recourse for those of us who applied for, and were granted, relief during the COVID pandemic. Please help.
Consumer complaint received 2022-06-23
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: TD BANK US HOLDING COMPANY (MD)

My identity was stolen not one but two times in XXXX and again in XXXX. I've called the companies XXXX XXXX XXXX Nordstrom, XXXX  ) to report the fraudulent accounts. Within the years, Ive placed fraud alerts on my credit profiles and every time I dispute these items they still come back as verified and accurate. The credit bureaus recently told me to file an identity theft report with the FTC and they would investigate the accounts and remove them. I did that and again, the accounts came back as accurate and verified. I dont understand how they are verifying this with no proof of ownership of the accounts. I've asked them to send out original contracts with my signature on it and none of the companies were able to furnish that information.. A debt collector even attempted to sue me because of a debt that was fraudulently opened in my name. However, I after I explained to the judge my identity theft incidents and told him that I've continuously asked for the original contract with my signature on it which they were not able to furnish the case was dismissed and the debt collectors removed it from my credit report. This is illegal.
Consumer complaint received 2022-04-07
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. (PA)

XXXX and XXXX federal credit union repossessed my car. The company is reporting incorrect and inaccurate account information to all three credit bureau. I never received a letter stating the company was coming to get the vehicle. I was only late 30 days before XXXX repo the car. On my credit report it shows that the car was repossessed in XXXX which is not true I was in the hospital with XXXX at the end of XX/XX/2021 my car was already gone. My car was repossessed on XX/XX/2021 for being 30 days late. 

the are reporting XXXX different account number for the car loan. XXXX account shows the repo and the other account shows the balance after the car was sold. 

account number ending XXXX XXXX is showing {$1800.00} account number ending XXXX XXXX is showing {$17.00} and is saying unsecured for a car auto. This is inaccurate both account number belong to the car loan.
Consumer complaint received 2022-06-23
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. (TX)

XXXX XXXX is reporting an inaccurate account number on this paid charge off, according to the FCRA all information reported must be accurate across all 3 credit reports in order for it to stay on the credit report. Since this charge off has been paid it needs to be removed from all 3 credit reports
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

The names and address on my credit report are wrong. i never lived at any of these address and none of these names are mine. these are the names that are wrong. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the wrong addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX texas XXXX XXXX XXXX XXXX XXXX texas XXXX These are they wrong employers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 informations inaccurate. 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.