davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
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. (GA)

My name 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 2023-02-25
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. (CA)

XXXX has failed to VALIDATE this debt they only send paper statements under FDCPA thats violating my rights as a consumer. They are also attempting to collect a debt that is past the statue of limitation. They have not provided me with the original contract bearing my wet signature. I have no contract with XXXX. I have the right to privacy. I never gave consent to report this account on my consumer report. This account needs to be removed/ deleted/ blocked from my consumer report. You told me to contact this company and I have done so.

FDCPA 809b requires this to be deleted until they validate. I have requested validation and they have not produced it. Delete this now.

Please produce the contract used to verify this account because I have none with them and the information you have is inaccurate.

I have also filed and Identity theft report and this account is included. Its been over 4 business days and this account still hasnt been blocked under FCRA 605B 15 U.S.C. 1681c-2
Consumer complaint received 2023-10-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (OR)

My Ally Bank checking and savings accounts, as well as my joint checking and savings accounts with my husband ( XXXX accounts total ) have been frozen by Ally, with no estimated date for when they will be unfrozen. 

On XX/XX/2023, I deposited a {$7000.00} check sent to me by my aunt. The check was returned by the issuing bank, as they believed my aunt 's signature was not similar enough to her original signature. On XX/XX/2023, Ally removed the {$7000.00} from my account and returned it to my aunt. My aunt mailed me another {$7000.00} check, signing the check more carefully, and I attempted to deposit it on XX/XX/2023. On XX/XX/2023, Ally froze my individual and joint accounts, emailing my husband and me to call to verify information, and that my telephone banking PIN had been changed. They noted that suspicious activity had been detected, and that I would not be able to log in or transfer money out of my accounts. 

At the suggestion of their loss prevention call line, I spoke with my aunt. She called her bank and let them know that the check was legitimate, and they approved the check to be processed. I called Ally on XX/XX/2023 to let them know. My husband also called to request more information. 

However, Ally 's loss prevention call line will not provide any information on how long their investigation will take. 

My husband and I need to withdraw money, but Ally will not let us. We are unable to pay our mortgage and bills due to the accounts being frozen. We have already been hit with penalty fees for denied transactions. All of our funds are in these frozen accounts, and we do not have other bank accounts.
Consumer complaint received 2023-10-19
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. (GA)

On XXXX XXXX I received a copy of my credit report and noticed several discrepancies on my credit report being reported as current addresses. I do not notice these accounts and never applied for them. I then reached out to XXXX, XXXX, and Experian to let them know of the incorrect info they where reporting as well as to report that I do not own these accounts. An investigation was done and these accounts were verified and they even updated the personal information on these accounts from first being fraudulent information to now the correct information that does belong to me. How is that lawful? I mean to update an account with someones personal information after they had already told you the account didn't belong to them is wrong in so many ways. By doing research I found out how to submit a complaint through CFPB. However, after doing so these account where closed. Yet are still being reported on my credit report. I am in need of my report to be corrected so that I may be able to utilize my credit to move forward in life. Please help me!
Consumer complaint received 2023-10-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PRESTIGE FINANCIAL SERVICES INC (IL)

My Vehicle was reposed, the company sold the vehicle at the auction and didn't issued credit for sale. The company is trying to collect of the full balance in auditioned is trying to collect interest after the account was charged off on XX/XX/. I would like for this account to be removed from my credit report as its reporting incorrect information.
Consumer complaint received 2023-10-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (NC)

Midland Credit Management, this company has an account on my credit report and I have no responsibilities to this company. I do not have an account with this company and without any notices, this company placed negative marks on my credit report. I do not know this company and never had any business with this company. 
Amount : {$530.00} Date : update XX/XX/2023
Consumer complaint received 2024-03-14
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 



15 U.S.C 161 section 602 A. States I have the rights 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 instructions.
Consumer complaint received 2020-05-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

In XX/XX/XXXX I agreed to forfeit my Wells Fargo XXXX XXXX 'exit draw ' of XXXX. 
At this point I was about 3 months behind on my mortgage. 

After two failed attempts at requesting a Loan Modification directly through WellsFargo I proceeded ( XX/XX/XXXX ) to use XXXX to submit a request for Loan Modification. 

On XX/XX/XXXX, WellsFargo applied my XXXX exit draw check directly to Principal Balance. Yet my past due ( now at 7 months ) kept my home in Foreclosure status. 

On XX/XX/XXXX, Wells Fargo accessed XXXX in additional Attorney fees to my Mortgage. That is 1 week after accepting my XXXX. 

I am unable to get a Justified Recast, for Wells Fargo states I have a past due. Without acknowledging the recent payment of XXXX ( applied to principle only ). 

Wells Fargo is denying a Recast/Loan Modification of my Primary Residence.
Consumer complaint received 2023-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX, The information on this credit reporting platform has not been verified or permitted by me to be placed on their credit report. There are no documents with any signature of mine that states that it was okay for this platform to post or report my personal business on their site or information that they have yet to verify belongs to me. I noticed over eight addresses that do not belong to me and just as many phone numbers. I would like for this platform to send me any type of documentation that verifies this is an account that belongs to me before reporting this type of information. 
Dates : XX/XX/2023 XXXX XXXX Dates : XX/XX/2023 XXXX ( 2 ) Inquiries XXXX XXXX XXXX Dates:XX/XX/2023 There are over 8 addresses on these reports that does not belong to me and phone numbers as well. The name on these reports are spelled wrong, I also disputed that as well.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I obtained a copy of my XXXX, Equifax, and XXXX credit reports on XX/XX/2023, and noticed I have several hard inquiries that I did not authorize. I contacted the bureaus and was told to send a letter in writing, which I did, but the inquiries have yet to be removed.
Consumer complaint received 2024-04-08
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. (NV)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$45000.00} XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXXXXXX XXXX Balance : {$450.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$590.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-10-19
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. (AL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX HAS VIOLATED MY RIGHTS. 15 USC 1681 section 602 a states i have the right to pivacy. 15 usc 1681 section 602 a states i have the right to privacy. 15 USC 1681 SECTION 602 A STATES I HAVE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 1 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN instructions.
Consumer complaint received 2023-08-01
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: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-02-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

XXXX  XXXX stoped payments for weeks claimed benefits. As they usually do. Fifth third bank closed my checking account due to financial debt as resulting. XXXX XXXX released payment to said checking account after verifications and such. Fifth third bank wont tell me where my money went. Also say I owe them money. Year 2021 XXXX thru XXXX XXXX  benefits. I verified identity with multiple entities often enough to cause identity issues due to verification of the persistant problem of getting any answers. I at my wits end and already filed taxs that year. Like an XXXX, I did not notice a couple grand i claimed that year in my federal return causeing greater issue.
Consumer complaint received 2023-10-19
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. (MD)

In violation of federal law, the unverified items listed below still report to my credit report after numerous written requests. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these items, I'm going to sue you. Please abide by the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7900.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$7900.00}.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My employer has caused a financial hardship from internal errors resulting in my family having to make our payments within 30 days of the due dates and spread those payments out. Since the hardship, I've been making our payments the following month but within the 30 day timeframe. Capital One does NOT display the past due amount or last month 's balance due on their statements or online. Because of that, I have to try and calculate what the prior month 's minimum payment is. I simply pay half of the total balance due as the balance on the statement reflects 2 months payments but does NOT itemize what the prior months balance was. This resulted in my payments being mis-allocated and Capital One did NOT properly communicate to me that they would report my payment 30 days late, due to a past due balance showing {$11.00}. My monthly payment was {$220.00}. Capital One did NOT notify me or communicate properly that I had a past due balance of {$11.00}. If I had known, I would've just paid it. I spoke with a XXXX XXXX XXXX, XXXX XXXX She confirmed on a recorded phone call that it WAS a Capital One error but I would need to go through the dispute process to have it resolved. My wife and I always pay our bills on time but have recently had to resort to the 30 day window. This is a violation of the FCRA.
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc. (GA)

I am disputing XXXX XXXXXXXX XXXX on my credit report by aidadvantage. I submitted documents showing that these loans are dismissed due to a lawsuit and Needs to be removed from my credit report.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NY)

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NY XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( SYNCB/ASHLEYHOMESTORE, # XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BMO Bank, N.A. (IL)

Over payment of escrow money has been held since XX/XX/XXXX. Taxes were adjusted by XXXX XXXX XXXX. Called XX/XX/XXXX was told my account would be audited. Called XX/XX/XXXX BMO stated audit was in progress check would be issued. XX/XX/XXXX XXXX XXXX told to talk to loss mitigation dept-left msg. XX/XX/XXXX XXXX  XXXX  -was told audit in progress. XX/XX/XXXX - XXXX - can not audit due to system in auto audit. XXXX XX/XX/XXXX XXXX will issue check - transferred to loss mitigation department. XX/XX/XXXX XXXX XXXXXXXX will issue check transferred to loss mitigation dept left msg. XX/XX/XXXX XXXX loss mitigation no hold on my acct transferred to XXXX XXXX XXXXno check issued asked for supervisor. Sup XXXX XXXX could not get check issued- stop on acct - will email to get it removed from acct. It is now foreclosure dept that needs to be notified. BMO is holding {$2100.00} surplus escrow as of XX/XX/XXXX. My acct is in good standing and NOT in foreclosure as of XX/XX/XXXX. XXXX dismissed me and gave me canned response with no resolution of when a check would be issued.
Consumer complaint received 2023-05-01
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1604a section 2, it also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX {$27.00} XXXX XXXX {$39.00} XXXX XXXX {$40.00} XXXX XXXX {$39.00} XXXX XXXX {$27.00} XXXX XXXX {$25.00} XXXX XXXX {$39.00} XXXX XXXX {$28.00} XXXX XXXX {$25.00}
Consumer complaint received 2023-10-18
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. (PA)

I want XXXX, Experian and XXXX to answer my letter. I've been sending them letters since XXXX and I haven't received any response from them. I was also wondering why these inaccurate accounts that have long been disputed are still being reported on my files? I urge you to have my credit report corrected immediately and remove these accounts from my credit history. 

XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX  ) - Account # : XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) - Account # : XXXX XXXX. XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXXXXXX XXXX XXXX XXXX XXXX - Account # : XXXX XXXX. XXXX - Account # : XXXX XXXX. XXXX XXXX - Account # : XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

All three credit bureaus XXXX, Experian and XXXX override my disputes on fraudulent and inaccurate accounts on my credit report, I have submitted numerous disputes but with no explanation they continue to rule against me. This has destroyed my credit and business and living Oppurtunites. I am in the process of filing a class action lawsuit and will be filing a complaint with the Federal Trade Commission. 
I am a government employee and I had to freeze my credit just to try and protect myself, one case I paid off my home and they decreased my credit score they penalize me for not having a large amount of debt, need help!
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

reporting company claims without contacting me first which is a violation showing late payments having negative items on my report these are all violation by these credit reporting agency ... .i wrote an d send in declaration showing and telling these company that they in violation but they keep doing the same thing ....