davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (AL)

I will never stop REWRITING to SYNOVUS BANK and to XXXX XXXX XXXX to dispute inaccurate information on my credit report. As per response from the SYNOVUS BANK on my previous complaints my account has been sold to XXXX XXXX XXXX which I am not familiar and my personal information has been shared without my consent this is total violation of Fair Credit Reporting Act. I am already preparing to file legal actions against your company. 

My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My date of birth is XX/XX/year>. The FTC report numbers related to this complaint are XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ARVEST BANK GROUP, INC. (OK)

Arvest bank charge off for 2 accounts XXXX of 2023, A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. As law 15 USC 1681b states credit agencies must have written instructions from myself giving permission to allow reports to go on my report, therefore was not permitted by me, I ask that this company verify and written permission stating of my permission. As law 18 USC 1028A Arvest bank and any other report has used my personal information without lawful authorization.
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: GOLDMAN SACHS BANK USA (CO)

I received a solicitation from XXXX by XXXX XXXX in the mail on XXXX/XXXX/XXXX addressed to my XXXX XXXX XXXX daughter saying she is eligible to apply for a personal loan. I called XXXX ( XXXX ) to request they remove every individual at my mailing address from their solicitation list. The XXXX representative asked for the names of all individuals in the household, which I refused. The representative said they would not be able to remove " everyone '' at the address unless I gave their names, and suggest I contact every credit reporting company with my complaint. I disagree with this practice as it violates my childrens ' right to privacy and protection against predation. XXXX XXXX has no need or right to request the names of my children.
Consumer complaint received 2024-09-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CULLEN/FROST BANKERS, INC. (TX)

I was sent another persons personal information by way of a of a final closing document on XX/XX/XXXX via frost bank staff. I have been working on my own loan and will be closing on XX/XX/XXXX I attempted to inform the company as soon as I realized it happened however it was XXXX central time and they had left. I spoke with the closing staff member the following day at XXXX and her supervisor. I hope they will follow up with the other person however as I explained to them I would want someone to fill out a CFPB complaint to protect me if this happened to me to at least ensure the person is notified I have no idea if my file was sent to the other party but all I have been told is that it was not but there is no proof that has been provided to establish that. I also do not know what proof I would ask for.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (GA)

Dear IQ DATA INTERNATIONAL I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that acontract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC ()

It all started in XXXX last year when I met a guy online who introduced himself as XXXX XXXX. He said he was a XXXX XXXX fighting in XXXX. We kept in touch for a few weeks before embarking on a long-distance relationship. I was madly in love with him. I trusted him, and he took advantage of that by asking for a loan. When it took off, I realized he was a con artist. Money was transferred from XXXX to the scammer in the total amount of XXXX AUD utilizing your services. Money was transferred through XXXX in the total amount of XXXX AUD utilizing XXXX services.
Consumer complaint received 2024-09-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (SD)

On XX/XX/2024, I did a {$20000.00} USD wire transfer from my Chase Bank XXXX account ending in XXXX from XXXX XXXX XXXXXXXX to my XXXX XXXX savings account at XXXX ending in XXXX. The funds have gone missing, and neither bank has provided a resolution. I have submitted five inquiries to XXXX to trace the transfer, all of which have been unsuccessful. Chase Bank closed the first inquiry, stating they had tried to contact XXXX, but they didnt get an answer and the second inquiry remains open but unanswered. Chase has not conducted a XXXX trace as required, and both banks continue to deflect responsibility, each blaming the other for the delay. As a result, I am incurring interest charges for not meeting the agreed-upon delivery of the funds in early XXXX.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

There were many unauthorized inquiries on my reports as well as misspelled names. The following inquiries are just a few. 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 All of the auto requests on my report from XXXX have been falsely applied for on my credit reports. There are many. There are also credit cards, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX There have been many mispelling of my name. Names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX There have been many incorrect addresses. Addresses : XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY Please correct my credit reports
Consumer complaint received 2024-10-11
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-24
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: Synovus Bank (PA)

I just checked my credit report and, I am writing to formally dispute the inaccurate information being reported on my credit file regarding account # XXXX. After reviewing the information provided by each of your bureaus, I have identified several inconsistencies and inaccuracies that are negatively aecting my credit report. These discrepancies violate my rights under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and Fair Debt Collection Practices Act ( FDCPA ), and I am requesting immediate action to correct these errors. Without my written consent to furnish my information is a form of identity theft and fraud, according to 15 U.S CODE 1681 this account needs to be deleted immediately.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

IC SYSTEM INC, ( XXXX XXXX ) DATE OPEN XX/XX/year> I DONT RECALL THIS DEBT THE AMOUNT OWED IS XXXX I ASKED FOR VALIDATION OF DEBT AND HAVE NOT RECEIVED ANYTHING AND WILL LIKE THIS TAKEN OFF MY REPORT AS SOON AS POSSIBLE.
Consumer complaint received 2023-09-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: CARD Corporation (IL)

I requested my IRS Tax return fund to be direct deposited into my " Card.com '' account the funds were deposited into the account however after spending a few XXXX they locked my card for suspicious use. They asked for documents such as my SSN, State ID, and Tax Returns which I proceeded to send to the support team. The Company stated that they couldn't verify me and that they were spending a remaining balance check to the address on the account which is still my address they issued the check XX/XX/XXXX. They stated that it should take 21 business days. The 21st Business day was XX/XX/XXXX I still havent received said check. I called the company everyday monday through friday requesting them to reissue another check. Today is monday XX/XX/XXXX and the company still hasn't issued my check. The costumer support states that the bank is trying to verify however there shouldn't be anything else to verify when I already received my money from the IRS and I already sent them all my Important documents. This is unfair because even if you wanted to contact the bank you cant you only can go through customer service and when you take that option they give you vague answers about what's really going on
Consumer complaint received 2023-09-25
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-25
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: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2023 I contacted your bureau by certified mail to dispute incorrect entries listed on my credit report. It is my understanding that you must send me the results of my dispute within a reasonable time ; however, as of the above date, I have not received a response from you. Please update/delete the incorrect information I have disputed and send me an updated copy of my credit report. Also, please include the names and addresses of the companies or individuals who were directly checked with in regard to this matter. Attached is the dispute letter I sent your company which is dated and time stamped.
Consumer complaint received 2024-10-11
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. (MD)

Recently i did an investigation on my credit report and i found several items to be inaccurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A. Section 2 : 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 2024-09-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Consumer Portfolio Services, Inc. (IL)

On XX/XX/XXXX of XXXX I purchased a used XXXX XXXX XXXX from XXXX XXXX located in XXXX Illinois. I received a loan from Consumer Portfolio services and I placed a {$4000.00} down payment. The vehicle had issues that were not visible. Before I can get to my residence the vehicle broke down. I contacted the car dealer to no avail I contacted Consumer Portfolio services to no avail. I disputed the loan and tried to have it rescinded. The vehicle was repossessed and sold at auction however there is a remaining balance
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XX/XX/XXXX Experian.The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX XXXX XXXX Experian.The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX XXXX  Experian The following inquiry was not authorized and should not be reporting.
Consumer complaint received 2024-10-13
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. (DE)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (CO)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner.

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. 

XX/XX/XXXX SS XXXX
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE (SD)

I opened this account in XXXX was given {$7800.00} credit limit! I only used approximately {$5800.00} and have kept my account not only paid on time but extra payments!! They have checked my credit at least once a month causing my credit score to go down, reduced my credit available XXXX times making it look bad on my credit score and this has adversely caused me harm! Ive called each time requesting they stop doing this!! Ive worked very hard to keep my credit score good standing and this appears to be a direct hit on my credit score every month! The reply I continue to get from them is they have the right!!! Yesterday they said well Ive taken out so much new credit! Thats a blatant lie! I only took out a car payment since this card and its fully paid off already! This is literally the newest card I have and their excuse is just more lies! Its harmful to my credit and I immediately closed the account in fact I froze the account before their last reduction in credit! 
I am not the only customer they are doing this too! Barclays credit card with Carnival cruise lines credit card is causing a consumer issue! Please assist and stop this company from continuing this unethical practice harmful to consumers!!!