davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachments labeled as Exhibit A that Capital One Auto Finance is in violation of 15 USC 1692c ( b ) Fact, affiant is aware and has proof in the attachments labeled as Exhibit A that Capital One Auto Finance is in violation of 18 USC 1028a ( 1 ) Fact, affiant is aware and has proof in the attachments labeled as Exhibit A that Capital One Auto Finance is in violation of 15 USC 1692b ( 5 )
Consumer complaint received 2015-07-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (MD)

I was granted HAMP XXXX mortgage modification by XXXX XXXX in XXXX of 2014. I have made XXXX trial payments plus have continued with the payments. XXXX XXXX can not finalize the agreement because M & T Bank will not subordinate the home equity line they hold. M & T claims their interest is not covered because of the property value. They said they will do another valuation, however the period to resolve this issue with XXXX XXXX has expired and they have put my property back in active foreclosure status. M & T has thus jeopardied over XXXX months of negotiations to reach an agreement and will force a new application for relief to be made or worse. 
M & T Loan XXXX
Consumer complaint received 2023-02-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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. 
XXXX XXXX  XXXX, XXXX XXXX, has violated my rights.

15 U.S.C 16581 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 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$500.00} Balance updated XX/XX/2022 Account number : XXXX In accordance with The Fair Credit Reporting act XXXX Account number # XXXX 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.

I demand this be taken off my report immediately!
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act. The listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX acct : # 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 : State 's a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent numerous letters to XXXX, XXXX and Transunion with no response about removing old addresses that do not belong to me : Transunion is reporting inaccurately : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, AR XXXX XXXX is reporting inaccurately : XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX is reporting inaccurately XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2021-04-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ARS National Services, Inc. (WI)

The collection agency has engaged in the following practices, which violate the federal Fair Debt Collection Practices Act : Repeat calls as harassment RoboCall They call numerous times Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Collectors are not allowed to inform anyone about your debts. No verification of this debt. They are supposed to send within 5 days a written communication and they have not. Calls repeatedly throughout the day. Pursuant to my rights under federal debt collection laws, please cease all collection activities you have taken or are considering taking. Also, had multiple hospitalizations in the past years, so must avoid stress. I am retired and on low income. This includes high-pressure collection activity and lawsuits. I am requesting that you cease and desist communication with me, as well as my family and friends, concerning this and all other alleged debts you claim I owe. They have not provided any written communication within 5 days. 

Here are a few of the calls. XXXX XXXX XXXX is what shows on Caller ID. When answered, no one is there. 
Called from XXXX on XX/XX/XXXX at XXXX pm Called from XXXX on XX/XX/XXXX at XXXX am XX/XX/XXXX at XXXX am Called from XXXX on XX/XX/XXXX at XXXX am XX/XX/XXXX at XXXX am Called from XXXX
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Colony Brands, Inc. (WI)

We received two packages in the mail, one each from Mongomery Ward and XXXX XXXX on ~ XX/XX/XXXX. We sent them back via return labels in the original boxes, packages unopened. We called the companies immediately and relayed these were fraudulent orders and days later received CC statements from each. I called them again and relayed the accounts were fraudulent and learned they were sister companies. I wanted the accounts cancelled as we had returned the merchandise, but they would not- no reason given. The email they had on the account was not mine and when I googled it came back as a fraudulent : XXXX. I simply want the accounts closed. I worked with identity theft.gov and sent required letters to both companies. Spoke with representative XXXX and she relayed they did not receive my letters. I mailed certified letters and company acknowledged receipt, but still haven't closed the accounts despite working with the XXXX  and local law enforcement. I'm certain the companies internally set up the fraudulent accounts and now won't close them. 
Beyond calling a lawyer what else could/ should I do?
Consumer complaint received 2022-04-22
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XX/XX/2017 I file XXXX XXXX bankruptcy it was XXXX in XX/XX/2017 but Kohls / Capone keeps reporting negative even though there is no debt owe anymore yet its being reported in my credit report as late
Consumer complaint received 2024-02-19
Product: Credit reporting 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)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX years. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) 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 2015-06-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (MA)

I live in Massachusetts. I was 3 months behind on my car loan. In XXXX I made XXXX payment through XXXX XXXX. They would not let me make a payment other than XXXX XXXX. I never received any notification that my car would be repossessed. However on Tuesday XXXX/XXXX/15 before XXXX my car was repossessed by Ally in my driveway. After finding out about repossession laws in MA I found out that I was required to have 21 days notice and that they could not take a vehicle from a driveway. In addition I have been not provided any information as to the company that repossessed my car nor have I been given my license plates by 48 hours. 
I would like my car released to me in light of all the laws in MA that they have broken by taking my car.
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX I opened joint checking account with my mother, when unrecognizable phone # appeared in my online login, I closed account unfunded. Fast forward to XX/XX/XXXX when I opened new joint checking with my mother. As no new unrecognizable phone # s appeared I assumed issue resolved & continued. When we visited local branch to add my brother -all at same address, a XXXX yr old account of my mother 's appeared that my brother & I were attached to with recognizable old phone # s. After updating account with MY phone # s only my mother & brother can access security verification. So Bank of America gave away MY phone # s, making me a guest on MY account. Now I received an email from Bank of America collection department for debt I NEVER had & since then only my landline was manually re-attached ending in XXXX BUT my cell phone ending in XXXX was not, leading me to suspect it was attached to the other person steming from XX/XX/XXXX data mishandling.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (NY)

On XX/XX/XXXX University Accounting Services of XXXX XXXX XXXX XXXX, WI XXXX reported that I had a charge off/delinquent loan from XXXX. That information is both inaccurate and far beyond any statute of limitations for collections and far beyond the lawful credit reporting limit. At no time in the last 20 years has any lender or company complained about this supposed debt or tried to collect it.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( XXXX XXXX XXXX  XXXX ) 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 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Reporting XXXX XXXX account # XXXX and # XXXX. Also XXXX. XXXX. XXXX account # XXXX and XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a 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 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Reporting XXXX XXXX account # XXXX and # XXXX. Also XXXX. XXXX. XXXX account # XXXX and XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a 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 2022-04-22
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. (TX)

I am a victim of identity theft and there are some fraudulent accounts and inquiries that are reporting within my credit file. I have tried to rectify with credit agency to no avail. The fraudulent accounts and inquiries to be deleted and blocked are XXXX XXXX XXXX and XXXXDept of Ed . The inquiries are XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This is not my first case open with the CFPB concerning these accounts. I am completely shocked on how I am not being heard concerning these issues with XXXX and Equifax concerning this account. I have been disputing the inaccuraccy of this account for XXXX plus years. as of XX/XX/2022 report XXXX on account XXXX XXXX XXXX XXXX XXXX XXXX and Equifax continues to report in accurate information and now allowing XXXX XXXX to report unverified information as well. I am in receipt of XXXX letters stating that my disputes of items in my credit report was irrelevant and frivolous. I am upset that your credit reporting agency would try such a blatant stall tactic Then turn around and say that these items are verified. How? They haven't produced any documentation that I have requested from them. Yet you say its verified. ALL INFORMATION ON MY CREDIT REPORT IS SUPPOSE TO BE TRUE AND ACCURRATE YET BOTH BUREAUS ( XXXX AND EQUIFAX ) are reporting inaccurate information repeatedly. 
1. XXXX shows that XXXX XXXX XXXX is the original creditor, while Equifax shows XXXX XXXX. 
2, Both have different open dates that are both inaccurate XXXX. Both bureaus have inaccurate payment histories and account status don't match at all. 
4. The balances are also inaccurate. 
5. When were payments made? A payment history is reporting.No valid or verrified information is being reported. 
I have tried to fix this account over XXXX times and still I am being ignored. I have the right to have my credit report true and accurate according to the laws of the Fair Credit Reporting Act.
Consumer complaint received 2015-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (OH)

THERE ARE NAMES ON MY REPORT THAT ARE NOT MY CORRECT NAME AND I HAVE NEVER USED THOSE NAMES. 
I HAVE ONLY USED THE NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OTHER NAMES ARE NOT ME AND SHOULD NOT BE ON MY REPORT SAYING THAT AND I WOULD LIKE THEM TO BE REMOVED AND NOT USED AGAINST ME.
Consumer complaint received 2022-03-28
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (GA)

I sent in my written disputes to cancel every collection account that appears on my credit reports. According to the Fair Credit Reporting Act sections 609 and 611, all of these collection accounts shall be removed from all of my credit reports.
Consumer complaint received 2022-04-22
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. (TX)

I have sent numerous letters to Equifax, XXXX and XXXX with no response about removing old addresses that do not belong to me : XXXX is reporting inaccurately : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, AR XXXX XXXX is reporting inaccurately : XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax is reporting inaccurately XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd (IN)

XXXX was given my medical insurance information on three occasions over the past 3 years. They refused to contact my insurance company and stated that I still owed them money that would have been covered by insurance. I am frustrated because as soon as I thought this was settled I got another letter from them and then another. I gave them the correct information on more than one occasion and they have no right to collect a debt that I do not owe. Furthermore, Nationwide Recovery systems has no right to file this with my credit bureau
Consumer complaint received 2022-03-28
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Bureau of Jamestown, Inc. (NY)

These constant calls are invading my life, I asked them to stop calling me and they will not stop harassing me. It has affected my quality of life, the company in question has not gone through the correct channels to even validate this debt, they have no written statement from me claiming this debt nor can a signed contract be used as a debt validation. This has affected me and my family greatly. I believe this goes against the No Surprises Act, to furnish information to credit bureaus about such invalid debts, the company in question may face significant legal liability under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act.