davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAPITAL ONE, is in violation of multiple laws set forth by Congress in regard to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charged-off status ), between the consumer ( myself ) and the person ( CAPITAL ONE ) making the report. 

Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( CAPITAL ONE ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. 

CAPITAL ONE can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! 

I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charged off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from CAPITAL ONE for the canceled debt of {$9800.00} to file as ordinary income.

CAPITAL ONE is clearly writing off debts with the IRS without sending out 1099-C as required by the IRS for debts greater than { { { {$600.00} } } }. This is unsatisfactory!

CAPITAL ONE has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. 

The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. 

I have a right to privacy and Per the Privacy Act of XXXX  as a federally protected consumer, I am now revoking any and all authorization I, the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer, may have given you written, non-written, verbal, and nonverbal per 15 USC 6802.

I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-02-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Global Processing Services, LLC (PA)

I have received multiple phone calls from this place, and find them suspicious. The first phone call took place Wednesday XX/XX/XXXX, at about XXXX XXXX. It consisted of a very sketchy voicemail, from a male voice that did not identify himself, stating, things such as this was a time sensitive matter, that if I didn't call them this would be forwarded to their escalation department, and all through the call this person did not identify themselves or the company they represented. It took a lot of digging, and a phone call placed here tonight at XXXX XXXX, where I spoke with a woman who identified herself as XXXX XXXX, and there I learned the true purpose of their calling me. 

XXXX XXXX XXXX, states that I allegedly owe a payday loan from a place called XXXX XXXX, who was holding an account for some place called XXXX XXXX, that I have not heard of until now. During this phone conversation with XXXX XXXX, she states that I allegedly took out a payday loan for either {$300.00} or $ XXXX somewhere between XXXX and XXXX when it was allegedly XXXX, which I know to be false, because in my state, ( Pennsylvania XXXX, payday loans are illegal. I stated to XXXX XXXX, I did not take out a payday loan anywhere during this time period she stated, so that is another thing I find suspicious. I'm also extremely concerned over the fact that these two phone calls are coming from different numbers, the first of which is XXXX, and the most recent is XXXX. 

Based on the research I have done, as well as having checked all my financial information, and knowing that I do not owe anyone anything, I am disputing this claim, and I want them to cease and desist any and all contact with me I have already sent out by certified mail a cease-and-desist letter, ( see attached ) and I want them stopped. 

*estimate
Consumer complaint received 2022-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (KS)

After receiving a notice from a different debt collector dated XXXX XXXX, XXXX regarding a debt of {$200.00} with XXXX ( which I had never heard of before ), I sent a letter XXXX XXXX, XXXX noting that I do not have any responsibility for the debt for which they were trying to collect and requesting that they not provide my information to any other company. I then received a letter from another company dated XXXX XXXX, XXXX regarding that same debt. I responded to it on XXXX XXXX, XXXX stating once again that I had no responsibility for the debt but if they had good reason to believe that I was, to send me proof. 

I then received 2 letters from Resurgent Capital Services dated XXXX XXXX, XXXX, both received XXXX XXXX, XXXX. One was a letter stating they were initiating a review of the inquiry received and the other with the documentation of a bill from XXXX from XXXX XXXX. This bill was for someone with the same name as me, but for an address/state where I have never lived. I sent a letter dated XXXX XXXX, XXXX stating that the debt did not belong to me and that I have no responsibility for it. I noted that I have never lived in South Dakota and I have never had an account with XXXX or XXXX. I asked that they stop all communication with me and with my address and to record that I have no obligation for this debt. I also noted that they were to have removed my information from their records previously because of a different account they tried to say was mine ( which was from the same town in South Dakota as this debt ), which they finally agreed did not belong to me. They stated before that they had removed my information from their system with regard to the previous inquiry. However, they or someone they work with must have given my address to other companies. 

I once again received 2 letters from Resurgent Capital Services dated XXXX XXXX, XXXX. One was received XXXX XXXX, XXXX, and the other was received XXXX XXXX, XXXX. They included the same information regarding the debt as the letters received in XX/XX/XXXX. 

I have never lived in South Dakota and I have never done any business with XXXX or XXXX. I continually tell them this debt does not belong to me. I have asked that they remove my information from their systems. I have absolutely NO delinquent debts and they have no reason and no right to keep my information in their systems. I understand they have a job to do, but continually contacting me about debts that are not mine is harassment. 

This has required that I sent multiple letters certified mail and return receipt. This cost is getting burdensome for me and I want them to stop badgering me about debts that are not mine. I have NO responsibility or obligation for them.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (FL)

Someone is opening credit cards, requesting loan approvals and using different addresses, work locations that are not mine nor did I work in those places. There are companies like XXXX, XXXX XXXX, XXXX Credit Card, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and collectors agency XXXX XXXX XXXX that have been using my old name that has not been used by me since I got married over 18 years ago. The individual or individuals that are using my information to try to open different accounts seem to be from California since those are addresses that I see under my credit report. They are using places that I've never heard of for work, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and different addresses as well. These are just to name a few of the companies and things being done as a pretense to be me.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (CA)

Please see the following timeline : XX/XX/XXXX : I received a letter from Resurgent in response to my dispute with XXXX which included an Identity Theft affidavit for me to complete and send back for processing. ( See exhibit 1 ). This was completed and sent back to Resurgent. Resurgent required the affidavit to be notarized at my expense for which I did pay. As of the date of this letter, I still have not received any follow-up regarding this review. 

XX/XX/XXXX XXXX : Due to the response that Resurgent submitted to XXXX regarding the dispute, I submitted a Request For Debt Verification letter to Resurgent on XX/XX/XXXX which they received on XX/XX/XXXX ( See exhibit 2 ). 

XX/XX/XXXX : I received a letter from Resurgent advising that they have initiated a review. ( See exhibit XXXX ) XX/XX/XXXX : I received two separate letters from Resurgent stating that an account summary was enclosed which was their response to my request for Debt Verification. On both letters they enclosed the account statements from XXXX and XXXX that provided no information that satisfies my request to verify the debt. There is no information provided to show how the account was opened or what documentation was provided to authenticate the identity of the unknown individual opening the account. On the same day, I submitted another letter to Resurgent stating that the documentation that they provided does not satisfy my request and therefore the matter is not resolved. This letter was received XX/XX/XXXX ( See exhibit 4 ). 

XX/XX/XXXX : I received four letters from Resurgent. The first letter just stated that a review had been initiated, which is the same letter that was already sent previously. The second letter was another request to complete the same Identity Theft affidavit that was already completed and notarized from XX/XX/XXXX. The third letter again was a duplicate response which enclosed the same account statements from XXXX and XXXX. The fourth letter was a collection letter requesting payment. 

In summary, I disputed a derogatory reporting with XXXX in which a response was given by Resurgent that the reporting was valid. In response, I submitted to Resurgent a request for Debt Verification in which they provided copies of two account statements from the fraudulent account from XXXX and XXXX. There was no information provided to me that reflected any investigation on how the account was opened nor what documentation was submitted. Resurgent did provide me with an ID Theft affidavit requesting for me to complete, notarize, and return which I did. However, there has been no response or follow-up from Resurgent regarding what was done with that document. The last correspondence that I received from Resurgent was a request for payment. I am seeking assistance with getting this file removed from all credit bureaus. 
A police report with file with the XXXX Police Department on XX/XX/XXXX. The report number XXXX
Consumer complaint received 2023-09-14
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 informationisinaccurate.
Consumer complaint received 2016-04-12
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (OR)

In 2007 I purchased a rental home in XXXX XXXX. Needless to say this was probably the worst timing in the history of the world. It took until XXXX to finally get it short sold. XXXX is reporting as a Foreclosure and that is not correct.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been victim of three thefts of my identity, with XX/XX/2018 being the most recent when someone opened a XXXX XXXX credit card in my name and ordered merchandise which I was charged. 

I have asked all three bureaus to add a fraud alert to my credit reports but even with the fraud alerts the credit bureaus DO NOT VERIFY nor call me when attempts are made to open credit in my name. 

What good are these private credit bureaus for profit if they do not even protect consumers. Maybe its time to federalize these industries. 

I want the bureaus to add fraud alerts to my file and ENFORCE THEM WHEN CREDIT IS APPLIED FOR!!! 

RIGHT NOW THE CREDIT BUREAUS ONLY QUESTION ME ABOUT WHO I AM AND NEVER THIRD PARTIES WHO CALL!
Consumer complaint received 2023-04-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FISERV INC. (KS)

I received collection letters from TRS recovery services dated XX/XX/2023 on XX/XX/2023. Their letters stated that I had until XX/XX/ 2023 to dispute the debt or it would be considered valid. Their letters also state that you can dispute a debt or request verification of debt by submitting a request on their website. I made attempts to submit the form on their site multiple times to dispute the debt and request verification. However, their web form does not work and always comes back with an error. On XX/XX/ 2023 I completed a paper dispute form from their website and requested they provide proof of the debts they said I owe and faxed it to the number provided on their form. I have yet to receive any verification of debt from them. On XX/XX/2023 I received letters dated XX/XX/2023 attempting to collect on these debts even though I had submitted a dispute and the FDCPA requires a Debt Collector to cease collection of debts until it provides required verification. TRS recovery services has violated my rights under the FDCPA by not providing required verification and by continuing to collect debts when a dispute has been submitted.
Consumer complaint received 2023-07-20
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. (FL)

To Whom this may concern, I have sent in Multiple disputes about following items on my credit report. and I am getting Extremely furious that nothing is being done, those accounts I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. Furthermore, I have attached a police report and FTC report.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (FL)

Someone is opening credit cards, requesting loan approvals and using different addresses, work locations that are not mine nor did I work in those places. There are companies like Discover, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX that have been using my old name that has not been used by me since I got married over 18 years ago. The individual or individuals that are using my information to try to open different accounts seem to be from XXXX  since those are addresses that I see under my credit report. They are using places that I've never heard of for work, such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and different addresses as well. These are just to name a few of the companies and things being done as a pretense to be me.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

TransUnion - Incorrect Name, Incorrect reporting, Identity theft, Same Accounts reported more than once, Incorrect addresses, unknown inquires, Old accounts keep reappearing, Multiple Bankruptcies, Student Loan accounts not accurate, Misleading Credit Card Offers/Suggestions Based upon my Score XXXX Incorrect Name, Incorrect reporting, Identity theft, Same Accounts reported more than once, Incorrect addresses, unknown inquires, Old accounts keep reappearing, Multiple Bankruptcies, Student Loan accounts not accurate, Misleading Credit Card Offers/Suggestions Based upon my Score XXXX- Incorrect Name, Incorrect reporting, Identity theft, Same Accounts reported more than once, Incorrect addresses, unknown inquires, Old accounts keep reappearing, Multiple Bankruptcies, Student Loan accounts not accurate, Misleading Credit Card Offers/Suggestions Based upon my Score
Consumer complaint received 2024-02-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

I went to XXXX Bank and requested two Cashier 's Checks to be deposited at my other Banks. I requested having {$9000.00} for XXXX XXXX and {$7500.00} to Wells Fargo. I was only with XXXX XXXX  for 6 months, and by the XX/XX/XXXX, the funds were credited to my account. I did the same for Wells Fargo. They were not open on Saturday and then I went in person to ascertain when the funds will be applied. They thanked me for my 18 years of being a member, but had the nerve to say, it was because I opened a new savings account and therefore, they held my funds. I said : That makes no sense, I had to verify my info in order to even open the new savings account, so why would that suspicion? 
They said my check would be on hold until XX/XX/XXXX. I was so upset, and informed them that as soon as these funds hit my account, I'm taking the money out, and put it back into my XXXX XXXX  account. I said : " It is a Cashier 's Check ' the money was already taken from my account. Try calling them if you want to verify funds and my account. They said that is something they don't do... 
Wells Fargo have been sued many times for unscrupulous behavior, and this appears to be more of the games they are employing while playing with " My Money '' - It's a good thing I didn't need the money right away, or they would have put me in a very terrible financial situation. These banks continue to defy banking regulations until they get sued, or continue to finds ways to take money from their members. This is insane! having to wait 12 days, while " MY MONEY '' is held hostage..! there is nothing criminal, I haven't been in check systems, never wrote a bad check, or had any check that didn't clear, and I'm treated like a criminal. They need to be regulated harder and they need to give me an apology for a simple transaction from another reputable bank ( XXXX XXXX  )
Consumer complaint received 2024-02-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC (SC)

XXXX refused to do anything to assist the customer and attempted to victim blame. They did not reveal that they along with all of the big banks own this business when they stated that they are unable to intervene or sanction the business. they are allowed to continue to prey on the public.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I received a inquiry on my credit report from XXXXAlthough it was removed I later received a letter saying the inquiry on my credit report was accurate.The name, email address, address, phone number and social were all different from mine.The name is different but only by XXXX letter from my previous last name that I no longer use.The email is different by XXXX letters but I am receiving statements for a credit card I don't have.