davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX for committing identity theft. I have never given XXXX XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

THIS COMPANY HAS ALSO VIOLATED A PREVIOUS CEASE AND DESIST NOTICE THAT WAS SENT IN THE PAST BY CONTINUALLY FURNISH FALSE INFORMATION TO MY CONSUMER REPORT REGARDING A FALSE RELATIONSHIP WITH MYSELF AND THIS COMPANY. THIS COMPANY HAS ALSO NEVER PROVIDED A TRILATERAL CONTRACT WITH MY WET SIGNATURE ON IT AUTHORIZING THEM TO HAVE ANY OF MY PERSONAL AND PRIVATE INFORMATION. AS A FEDERALLY PROTECTED CONSUMER, I HAVE A RIGHT TO PRIVACY. REF. PRIVACY ACT 1974. 
I have never received any documentation requesting validation from XXXX XXXX before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. However, XXXX XXXX  has openly admitted to committing identity theft when responding to a complaint with " XXXX  purchased these accounts, together with the right to collect the balance due on the accounts ''. Ref Complaint No. XXXX. If XXXX XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notif
Consumer complaint received 2022-06-07
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: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my right. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Receivables, Inc. (SC)

COLLECTION RECEIVABLES ARE IN VIOLATION OF 15 USC 1681 ( b ) ( c ) ( 2 ), 15 USC 1681 ( 2 ) ( A ) ( i ). THEY HAVE ALSO VIOLATED MY HIPPA RIGHTS BY ILLEGALLY FURNISHING MY REPORT TO THE 3 CREDIT BUREAUS WITHOUT MY PERMISSION..THESE VIOLATIONS ARE DAMAGING MY UNLIMITED CONSUMER CREDIT AND DEMAND IMMEDIATE DELETION OF THIS ACCOUNT
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

I am requesting a correction in my personal information for the 3rd time. It is terribly frustrating to continue asking again and again that the same information be corrected. In Accordance With the Fair Credit Reporting Act the information listed below is incorrect and is a violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have no knowledge of these inquiries and I'm asking again for you to delete these : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Incorrect Names : XXXX XXXX XXXX, XXXX XXXX. Correct Name : XXXX XXXX XXXX. Incorrect Addresses : XXXX XXXX XXXX XXXX  XXXX, AL XXXX. 15 U.S.C. 1681 Section 602 A States I have the right to privacy. 15 U.S.C. 1681 without my written instructions. 15 U.S.C. 1681c-2 ( A ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of these items of information. Any other adverse item of information, other than records of convictions of crimes which dates the report by more than seven years.15 U.S.C . 1681s2 ( 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. Please delete these inaccuracies at once.
Consumer complaint received 2022-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my right. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Refinanced my joint car loan from XXXX  to XXXX  XXXX XXXX XXXX. Purpose lower rate and remove myself from loan around XXXX payoff letter was sent to the credit union XXXX XXXX XXXX XXXX address. The credit union sent it to Toyota XXXX in XXXX XXXX, Illinois. They negotiated the check on XX/XX/2022. The reason they sent it to Toyota is because my purchase paperwork stated Toyota was the Lienholder. I called Toyota on XX/XX/2022, XX/XX/2022, and XX/XX/2022. They can't find where it went. I called XXXX XXXX on XX/XX/2022. XXXX XXXX opened a case, I was warned that this may not work, but they will try and get the funds transferred over. No success so far.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with NATLCRSYS company I believe the original creditor XXXX  XXXX  sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (CA)

Received voicemail regarding being served. I called to see what is going on. I was told I was being served for a debt with providian bank. I told them I was unaware of debt and needed more information. They had my birthdate and social security number correct. I told them to send me an email regarding payment plan and more information about the debt. I received a email from them and googled the company. Could not locate them on google.
Consumer complaint received 2022-10-23
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 (LA)

Paypal asked me to show the address verification and I provided them a document and later they emailed me that your verification is successfully completed and limitations has removed. But the problem is My account is still limited. I can not send, receive or withdraw my money.
Consumer complaint received 2022-06-07
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. (FL)

Acct name : XXXX XXXX XXXX XXXX. 
account number XXXX account type-XXXX Company addressXXXX XXXX XXXX XXXX XXXX XXXX, XXXX fl XXXX Phone XXXX XXXX Acct Name XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT TYPE : Collection acct # XXXX  Contact information : XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX  acct type : SECURED CARD address : XXXX XXXX XXXX XXXX XXXX ca XXXX phone number XXXX XXXX XXXX  XXXX XXXX Amount {$2000.00} XXXX XXXX XXXX XXXX date of inquiry XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX, va XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 Not authorized address:XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15.U.S.C 1681 section 602 A States i have the right to privacy.

15 .U.S.C 1681 SECTION 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions.
Consumer complaint received 2022-06-07
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. (TX)

In Accordance with the Fair Credit Reporting Act. The company has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

If you do not have documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( 1 ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C Section 1681i, all unverified accounts must be promptly deleted. Therefor, if you are unable to provide me with a copy of the verifiable proof that you have on file for EACH of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed.
Consumer complaint received 2022-06-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (CA)

I opened a pair of checking and savings accounts with XXXX and a few weeks later my account is suddenly shown to be frozen. XXXX has a banner that said to call a fraud phone number but the phone number instantly goes to voicemail. I confirmed with a representative on the regular chat line who confirmed that this is by design and that there is no one to speak to if I wanted to unfreeze my account. There are no one support channels to speak to someone directly about this freeze. They all say to call this phone number which has no person on the other end. I find it highly unreasonable that my accounts can be frozen without any means to clarify any ways to unfreeze it or work through any problems it may have. There simply is no way to reach out to a human person to expedite unfreezing the account.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (TX)

Dear Consumer Financial Protection Bureau, I am writing to dispute the inaccurate reporting of my payment status by CarMax Auto Finance, which has adversely affected my credit. Despite making my payments on time, CarMax Auto Finance has incorrectly reported that I was late. This reporting error has negatively impacted my ability to secure loans and other financial services. While I am aware of at least one instance where CarMax Auto Finance reported my payment inaccurately, I am uncertain if this has occurred on other occasions. I am requesting a thorough investigation into my account to identify any other potential inaccuracies
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (FL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.

The items in dispute are as follows :
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2022 I sent a letters Experian credit reporting The Credit bureaus stated Account Name : XXXX XXXX XXXXXXXX & Account # XXXX was properly investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for a removal. They also violated my rights under 15 U.S.C. 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions I haven't given these accounts written permission to furnish these accounts on my credit report
Consumer complaint received 2022-10-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NV)

I AM NOT AN AUTHORIZED USER ON THIS ACCOUNT AND THIS IS BEING REPORTED ON MY CREDIT, IT NEEDS TO BE REMOVED, THEY ARE RUINING MY CREDIT OVER SOMEONE ELSES CARD XXXX XXXX XXXX Account number XXXX Amount past due {$480.00} Status Late 120 Days Type Miscellaneous Banks Creditor Address XXXX XXXX XXXX XXXX, XXXX XXXX, SD, XXXX
Consumer complaint received 2024-12-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (VA)

I am filing a complaint against Receivable Management Alleged Original Creditor XXXX XXXX regarding violations of the Fair Debt Collection Practices Act ( FDCPA ) in connection with attempts to collect on a debt governed by an arbitration clause. The alleged original contract, which was originated by XXXX XXXX, includes an arbitration clause that requires any disputes related to the debt to be resolved through arbitration, not through traditional debt collection methods. Despite this, Receivable Management, acting on behalf of XXXX XXXX, has continued to pursue collection efforts without adhering to the terms of the arbitration agreement. 
In addition to failing to respect the arbitration clause, Receivable Management has also violated the FDCPA by failing to properly verify the debt in accordance with 15 USC 1692g. The FDCPA mandates that debt collectors provide adequate verification of the debt within five days of their initial communication. Receivable Management has not provided proper verification or the necessary documentation to comply with the debt validation requirements outlined in the FDCPA. 
As such, Receivable Management has violated my consumer rights by continuing collection efforts despite the debt being subject to arbitration, and by failing to verify the debt as required under 15 USC 1692g. These actions mirror violations identified in previous case law. For example, in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), the court ruled that the debt collector violated the FDCPA by continuing collection efforts without providing proper debt verification. Similarly, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court found that the debt collector failed to provide the proper documentation necessary for debt verification under the FDCPA. 
I request that the CFPB investigate this matter and ensure that XXXX XXXX and Receivable Management cease all collection efforts until they properly verify the debt and adhere to the arbitration clause outlined in the original contract that was originated by XXXX XXXX. I further request that Receivable Management be held accountable for their violations of consumer protection laws under the FDCPA, and that XXXX XXXX be investigated for their failure to ensure compliance with the arbitration provision in their agreement. Cease and desist all communication. All communication including reporting to my credit report.
Consumer complaint received 2022-06-07
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. (NY)

In accordance With the fair credit reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

COMPLAINT FOR CFPB XXXX  REMOVER LATE PAYMENT ( ( XXXX XXXX XXXX ) ) Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against EXPERIAN regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue.

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payment : XXXX " I have submitted three separate disputes to EXPERIAN regarding a late payment reported by [ name of the creditor ]. In each dispute, I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ), explaining that the reported late payment is inaccurate for the following reasons : [ include reasons ]. Despite my repeated efforts, I have not received an adequate resolution to correct this issue, which continues to unfairly impact " my credit history. '' " I am deeply concerned about the error in your records showing a late payment, as I am confident that I fulfilled my obligation on time. This may be due to an administrative mistake or a failure in your processing system. I am requesting an urgent and thorough review of my payments, as an incorrect report could unfairly impact my credit history. As a responsible consumer, I always ensure my financial commitments are met, and I trust you will correct this error before any further action is taken or my credit is negatively affected without justification. I appreciate your prompt response and correction of this matter.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being
Consumer complaint received 2024-12-13
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: VANDERBILT MORTGAGE & FINANCE, INC (AL)

Vanderbilt Mortgage XXXX XXXX has me on a XXXX year mortgage. I know they have over charged us on our loan. We wanted a place to stay they got over on usXXXX XXXX year on XXXX. My husband and I went into XXXX  XXXX because we lost our job. Finally we are back on our feet. I feel they have overcharged us. Now we are almost at the end of our loan. And I dont want to be identified because they are dirty people.