davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (FL)

After reviewing my credit report I noticed this company listed on my credit profile. I never received any notification via mail from this company. 
I called this company and they informed me that they were collecting a debt from XXXX XXXX I informed them that I dont have XXXX I have XXXX I also informed them that I share a name as my father I also instructed them to send any documents to me via mail so that I can dispute this because it doesnt belong to me. 

They failed to send me any documents.
Consumer complaint received 2018-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I became aware when I checked my credit report that this debt collector under the name of XXXX XXXX, XXXX has reported incorrect information that I owe the amount {$1200.00}, I have sent a notice of state and federal validation of debt.
Consumer complaint received 2022-07-22
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. (DE)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$7200.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$540.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-07-26
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. (TX)

Hi my name is XXXX XXXX, I informed Transunion that two public record are being reported incorrect as who is the report company It show the court name and address, The problem is, none of that information is accurate. The recorder of the court itself did not furnish any of this information to the credit bureaus. I obtained letters from courts over and over again, and they all confirm the same thing that they do NOT furnish information to any third party, including the credit bureaus. The credit bureaus provide you with false information about who furnished the information? 
Transunion told that the bureaus get public records information from companies ( a.k.a. XXXX XXXX ) like XXXX, or sometimes XXXX. These data miners are for-profit companies that are in the information-selling business. They regularly collect public records information into their database, and then they sell it to the main 3 credit bureaus. The credit bureaus do not list the XXXX XXXX as their information provider. Whatever the reason, It is a violation of the Fair Credit Reporting Act to report false information. And claiming to get information from a court, when it is actually obtained from an unnamed 3rd party, that considered false information on your credit report. 
When I dispute the public record with the credit bureaus, they said they VERIFIED the information with the court! Again, this is completely false. They said they used typically utilize an automated computerized system called e-Oscar ( Online Solution for Complete and Accurate Reporting ) that automatically checks with the data miner. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical VALIDATION of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I do not consent to e-Oscar or any means of automated verification.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/2024 my Capital One credit card was charged {$1100.00} fraudulently while I was abroad in XXXX. I do not know who made this charge since I had been using my card for all purchases throughout the day and did not get any kind of verification of purchase to my phone. 

When I checked my credit card balance a week later I saw the charge and immediately reported it. Capital One opened and closed my investigation in a matter of minutes and concluded, " we found insufficient evidence of fraud. '' I called and asked how they could close an investigation so quickly and do nothing. They said it was my responsibility and not their to provide the evidence since my chip was used to make the purchase. I decided to file a police report but had no information other than " I was robbed and here is the basic vendor description from my CC statement. '' I asked if they could give me any information that I could use to contact this person/business. At first they said they did not have this information, but after pushing for a long time, they gave me a phone number with an incorrect number of digits. I tried every permutation of that phone number to no avail. It was very clear that they believed that I was lying and refused to help me any further. 

I am now working with police to help me develop a report but since the problem is international, it is slow going and difficult with the language barrier. 

The reason I use Capital One is because they advertise this card as being made for travel. However, the only time I have ever needed this kind of travel security, Capital One refused to help me.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Sigue Corp. (CA)

On XX/XX/22 my debit card information that was stolen through an online data breach was used at sigue.com to transfer {$450.00} to somebody in XXXX. I received an email at XXXX to confirm the transfer. When I saw it in my email around XXXX I then checked my bank account and saw that it was in process. The email from sigue said there was only 30 minutes from the moment the transaction started, to cancel it. I was unable to cancel it. I contacted my bank immediately and my card was deactivated, but it still ruined my finances until my next paycheck. The bank will be posting it back within the next few days, after the debit fully posts and the fraud report is complete. 

This company does not appear to use any type of secondary identification to verify transfers and anybody with credit card info can go on and send money without id verification, email verification, etc.
Consumer complaint received 2022-06-16
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. (NV)

In accordance with the Fair Credit Reporting Act the following has violated my rights. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 with out my written instructions
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (IL)

Today XX/XX/2022 I received a text from an unsaved number telling me, exactly this : Free Msgs Citi : Your mobile banking has been locked due to an unusual login attempt. To certify please visit : XXXX. 

I do not have a Citi or Citibank account, so I should not be receiving these messages. The phone number sending this message is XXXX ( XXXX ) XXXX.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (TX)

My wife XXXX XXXX XXXX XXXX and I were asked to attend a timeshare presentation for XXXX XXXXXXXX XXXX XXXX Contract # XXXX some of the selling points where false but it did not come up till we tried to sell or exchange so since we where not able to use it due to covid and personal illness*** we stopped paying. 
After repeated attempts to work with XXXX we ended up hiring & paying a attorney almost {$14.00} to cancel the contract under deceptive practice clause. 
XXXX eventually canceled contract but they keep showing us late pay with Experian Secondly I never was refunded the difference on the cancel contract about {$60.00} Thank you for your attention on this matter XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc. (MI)

I, XXXX XXXX, a federally protected consumer, debtor, and holder in due course pursuant to UCC 3-306, I am asserting my right to acquire documentary evidence in accordance with 15 U.S.C. 44 for the books of account as defined in IRS Publication 583 for account XXXX Account # XXXX. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of the false and deceptive form is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306. 
Also note that if your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit reporting agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws.

If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will not hesitate in bringing legal action against you and your client. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2020-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (NJ)

I was approved for {$9700.00} credit to get cabinets from XXXX XXXX XXXX. I did not get their installation service because we installed the cabinets ourselves but Wells Fargo claims to be investigating and it has been 8 months and have yet to remove the charge from the my balance. 
Wells Fargo also reported my account late to the credit bureau resulting in decrease in 57 points to my score. My account is not late because the balance is still in dispute. 
Wells Fargo also decreased my credit limit almost {$3000.00} after i started the 3rd dispute, for no reason at all also decreasing my credit sore another 26 points. 
Wells Fargo refuses to remove the late charge report even though i was never late and my account shows it.
Consumer complaint received 2022-10-28
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Sunset Solutions Group, LLC (GA)

Called looking for a former employee. Automated teller claimed employee is being charged with multiple legal infractions brought about by the courts ; person then picked up claiming to represent the " local court system '' finally got the company name and told them to stop calling me.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

Tried to get inquiries removed from my accounts with XXXX, XXXX, and Equifax told them that they were not authorized but the companies refuse to remove them.
Consumer complaint received 2024-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I don't recall having a contractual relationship with this collection company LVNV FUNDING. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$540.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  has continued to report an Charged off account from XXXX willfully and are in noncompliance of the FCRA SECTION 623 ( a ) FOR FURNISHER TO report complete accurate information. I am requesting immediate deletion of the XXXX negative account for repeated violations under federal codes. STOP USING E-OSCAR, I am requesting a complete and accurate investigation.
Consumer complaint received 2020-07-26
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. (FL)

To Whom it May Concern I notice an Account That is On My Credit That I did Not Authorize. I did Not Give Anyone Consent to Open Any Accounts On my Behalf. This Is fraud I would Like To Have this account Block and removed Off My Credit Thank You
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (MI)

In XXXX of XXXX I reviewed my American Express Serve statement and noticed some unauthorized cash pick-ups. I went all the way back to XX/XX/XXXX, and noticed several more thefts. My account was hacked and repeatedly stolen from. Because I had healthy balances I did not check my statements every month. There were XXXX transactions that all took place in XXXX, XXXX. I have not been to XXXX since XXXX and have no connections there. Here is the initial list : XXXX. XX/XX/XXXX - {$700.00} XXXX. XX/XX/XXXX, " - {$300.00} XXXX. XX/XX/XXXX " - {$800.00} XXXX. XX/XX/XXXX, " - {$1000.00} XXXX. XX/XX/XXXX, " - {$1200.00} XXXX. XX/XX/XXXX, " - {$800.00} XXXX. XX/XX/XXXX, " {$800.00} XXXX. XX/XX/XXXX, " - {$1400.00} XXXX. XX/XX/XXXX - {$1900.00} XXXX. XX/XX/XXXX, " - {$1000.00} I called American EXpress Serve Customer Service. I canceled the card and reported the theft. They sent me an email stating : " Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Therefore, the transaction ( s ) is not eligible for credit to your Account. 

You have the right to review any documents we relied upon in making our determination. 

You may request this information by writing to us at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Thanks, The XXXX XXXX I wrote them requesting the documents they relied on to make their decision and received nothing. 

On XX/XX/XXXX, I reviewed my statements and noticed more theft. 

XXXX. XX/XX/XXXX, - {$1500.00} XXXX. XX/XX/XXXX, - {$2500.00} XXXX. XX/XX/XXXX, - {$700.00} XXXX. XX/XX/XXXX, - {$550.00} XXXX. XX/XX/XXXX, - {$2500.00} XXXX. XX/XX/XXXX, - {$900.00} All totaled {$18000.00} was stolen. Amex XXXX has done nothing for me. When I called them this time I was transferred to the Fraud Dept. I spent XXXX mins on the phone going through the listed thefts with a rep. They sent me another email still stating that " no error occurred '', and that the transactions were authorized. 

This is wrong!!!!! I need Help Please
Consumer complaint received 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian has continued to report an Charged off account from XXXX willfully and are in noncompliance of the FCRA SECTION 623 ( a ) FOR FURNISHER TO report complete accurate information. I am requesting immediate deletion of the XXXX negative account for repeated violations under federal codes. STOP USING E-OSCAR, I am requesting a complete and accurate investigation.
Consumer complaint received 2022-06-16
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: FORD MOTOR CREDIT CO. (CA)

Since the vehicle was charged off in 2021 Ford has continuously reported inaccurate information to the three major credit bureaus resulting in me denied from creditors including for a home purchase. I have requested in writing and over the phone for the three major bureaus to verify this information is correct though they have failed numerous amounts of times to do so. According to FCRA all information should be reporting timely and 100 completely accurate and FORD has failed to do so and this account should be deleted from my credit profile. I have attached pictures to accompany the inaccuracies on my report.

1. They are reporting different dates for the status across all three credit burears. The account has been closed since last year there is no reason different information should be reporting. This is proof that all information is not reporting 100 % accurate and should be deleted.

2. Payment history is still being reported when the account is closed and charged off 3. Payment history is inaccurate they have reported late payment during times I was granted extension and or made payments. This information is not correct and the account should be deleted from my credit.