davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (MI)

This is a formal notice that I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. I have a right to opt out of my information being shared and hereby do so. The XXXX XXXX limits your ability to share my personal financial information with certain non-affiliates. 
I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete any account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I XXXX have had with your company. 
Failure to delete the tradeline will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.
Consumer complaint received 2023-06-05
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. (FL)

I am highly disappointed with Experian. They are the only company out of the 3 bureaus that refuse to remove these 2 fraud accounts from my profile. both XXXX and XXXX were able to confirm that those accounts were indeed fraud. I sent out The beginning of XXXX and experian refuses to remove these accounts. PER 15 USC 1681 B AS A CONSUMER I KNOW MY RIGHTS YOU ALL CAN NOT FURNISH ANYTHING THAT I SAY IS FRAUD ON MY ACCOUNT. YOU ALL CAN NOT FURNISH ANYTHING ON MY ACCOUNT THAT I SAY DOES NOT BELONG TO ME. At this point experian is breaking the law and I may have to take legal action if this matter isnt corrected asap. I will give this company one more chance to properly investigate because this company never sent me the steps they took to verify the account nor did they tell me if they found my actual wet signature attached to these accounts, WHICH IS ILLEGAL DUE TO THE CONSUMER LAWS. THE ACCOUNTS THAT HAVE TO BE REMOVED ARE XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-05
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: Experian Information Solutions Inc. (TX)

In accordance with 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 XX/XX/XXXX, XXXX XXXX. XX/XX/XXXX, XXXX XXXX. XX/XX/XXXX, XXXX. XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX 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 2023-01-30
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 (NC)

On XX/XX/XXXX I mailed an Opt Out Notice and validation request to Capital One Consumer Department. I requested that both accounts acct # XXXX and XXXX be validated request listed below : Copy of my written consent to form a credit report on behalf of entity XXXX XXXX XXXX ; The amount they claim the Principal owes them ; A letter of explanation showing me how they have computed the amount ; Contract with both WET INK Signatures ; Copies of any document that prove I agree to pay the alleged amount ; The identity of the original creditor ; Confirmation that the account has not reached the statute of limitation ( SOL ) period ; Evidence that they are a licensed debt collector ; Evidence of your license numbers and your registered agent ; Capital one ignored my request and continued to report after I opted out and revoked my permission. They were informed of the privacy act of 1974 as well as all other violations below. Then notified a 2nd time on XX/XX/XXXX after ignoring the 1st Demand. 

The privacy act of 1974 15 USC 6802 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A Defamation of character Capital one is in violation of multiple US Codes, Privacy Act of 1974 and FCRA.

All capital one accounts are to be removed from my credit report Per 15 USC 6802.
Consumer complaint received 2023-09-18
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: WELLS FARGO & COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (VA)

I was sitting at home one evening watching tv with my spouse after work. I only own a car, that's all we own in our household are cars when suddenly there were 2 withdrawals done out of my account amounting in almost XXXX for motorcycle parts online. I do not own a motorcycle nor do I work on motorcycles. I was given a temporary credit for the amounts but yesterday was notified that I'll have to refund one of the amounts. There is no good reason as to why I should have to. I did not make those purchases on XX/XX/XXXX... XXXX in the amount of XXXX and the other for XXXX. Those withdrawals set me back and almost made me get evicted from my place because that was my mortgage. Now I'm being faced with possibly being put in the same predicament again because of them denying my dispute. Please help : (.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (NC)

I reached out to them several times informing them that my account was frozen with a deposit from the IRS. My refund is sitting in an account that I can not touch. Credit Karma spend will not tell me why the account is frozen nor why I'm not able to access any information about my account. I've attempted several times to recover my funds from this account and all they can tell me is that they have escalated my case to the higher department and I should be receiving an email from them regarding the situation. I suffer from XXXX issues and this has to be the most XXXX thing I've experienced since my mother died from XXXX.
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (SC)

My Synchrony/XXXX XXXX credit card account was closed on XXXX XX/XX/XXXX. I had a balance of about {$450.00} when it was closed. Synchrony still expects me to pay the full amount owed, with interest. The account in question was never delinquent and had a credit of around {$1000.00}. When asked why my account was closed, in addition to being told it was an automated selection based on creditworthiness, I was also told by XXXX the accounts manager that it could be for any reason, really.
Consumer complaint received 2024-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Recovery Services, Inc. (TN)

This company has sent me numerous amount of harassing emails monthly. Ive never received any notices in the email regarding this alleged fraudulent debt. I just keep getting annoying emails from this company asking me for money. Section 1006.6 ( b ) ( 1 ) ( i ) prohibits a debt collector from communicating or attempting to communicate, including through electronic communication media and in violation of 15 U.S. Code 1692c - Communication in connection with debt collection. I never got any notices that validates this debt with my signature listed anywhere.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (IL)

I have try to dispute this information asking for an application with my signature. They sent some information that has two different names. XXXX XXXX XXXX XXXX XXXX XXXX. This is very confusing. Without the application with my signature to verify my real name that paperwork does not help it confuses things I want an application with my signature or remove this from my credit report
Consumer complaint received 2022-12-22
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. (FL)

Hello, I have had my mortgage since XXXX. In that time it has been transferred a few times to other mortgage servicers with no issue. I was notified on XX/XX/XXXX. XXXX that my mortgage company XXXX XXXXXXXX XXXX  would be transferring my mortgage to XXXX and would be subserviced by XXXX XXXX XXXX XXXX beginning XX/XX/XXXX. The transfer happened and I began being serviced by XXXX XXXX XXXX XXXX. During the time of transfer I was on a Covid forbearance and I am still on a forbearance plan until XXXX of XXXX with my new servicer. I received a message XXXX days ago from XXXX XXXX advising that my credit score was decreasing and there was a new inquiry. I have noticed since the transfer that my credit score has continually decreased and I could not figure out why. I checked XXXX XXXX and it shows that I have two mortgages. One with XXXX XXXXXXXX XXXX and XXXX with XXXX XXXX XXXX XXXX with balances of almost XXXX XXXX dollars. This is completely incorrect. I have one mortgage and because there are two showing up it has destroyed my credit score. My Fico score was at close to XXXX and is now showing on XXXX as XXXX and XXXX is showing XXXX which is very disconcerting to me. I work very hard to pay all of bills on time and this is ruining what I have worked so hard for. I want this corrected and for my credit to show that I have one mortgage.
Consumer complaint received 2023-01-03
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. (NC)

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 2023-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (VA)

I refinanced and my mortgage was sold to BSI financial. Initially, I used their online services to pay my mortgage but the system was unreliable and I would miss mortgage payments. I switched over to my bank to pay the mortgage. This initially worked but in XX/XX/XXXX, they increased the mortgage due to an escrow shortage. I didnt want to pay more on my mortgage so I sent monies to cover the escrow shortage. I spoke to a BSI contact and was told that the money I sent would be added to the escrow and I can continue to pay my original mortgage amount. This did not work out as planned. BSI didnt apply the monies to the escrow shortage so each of my monthly payments were short. I called BSI repeatedly even paid additional monies to get the money to the escrow shortage and still the problem continued. Finally, i decided to just pay the new mortgage amount to stop the insanity. Now, they are saying I only paid a portion of my XXXX mortgage and they want the remainder. My bank records show the full amount was paid. In fact, my bank records will show all my efforts to work with BSI. I have asked them repeatedly to sell my loan but to no avail. I see they were fined in XXXX for similar issues. Just note the problem continues. Please help me.
Consumer complaint received 2023-01-03
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. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-01
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: EQUIFAX, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (WA)

XXXX XXXX XXXX- CHARGED OFF CITICARDS CBNA- CHARGED OFF XXXX XXXX XXXX- CHARGED OFF XXXX, XXXX , XXXX , XXXX Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to the above companies written, unwritten, verbal or non verbal to report my nonpublic personal information. The above companies are in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by the above companies that my nonpublic personal information was going to be shared to non affiliated third parties. Do not get me started on securities fraud. I want all 3 accounts removed from my credit report before I take this to the highest level possible.
Consumer complaint received 2021-03-23
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: Experian Information Solutions Inc. (TX)

Child support enforcement I have disputed this erroneous child support account from account. Credit Bureaus and original creditor declines to take it remove it even with documentation sent to them from the court. This has hurt my ability to obtain credit and they assigning the dispute as verified without looking at documentation. I never owed this date. I went to court with lawyer, judge dismissed case and ordered records purged. They keep marking account as verified when it's not.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TX)

A late payment shows on my report for XX/XX/2024. I've tried to have this removed by the creditor who reported this to the bureaus. This late payment is not accurately reporting and was not applied to the report under legal jurisdiction. It has affected my report and also affects me from receiving future loans, and getting the best interest rates available. I've never had a late payment with Discover Bank or any other company in all of my 26 years of having credit. For 26 yrs payments have been made on time, and this is disheartening to see me being taken advantage of after doing the correct thing for so many years. The balance of this account is {$1900.00}. Monthly payment is {$61.00}. This mistake is costing me thousands right now because I am unable to receive a school loan for my daughters college tuition from lenders. I have currently been denied by 2 of the top lenders already. Only utilizing 52 % of my total credit limit. There's also unauthorized inquiries from XXXX  XXXX XXXX and XXXX. This needs to be fixed immediately.
Consumer complaint received 2024-04-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc. (NJ)

I do not acknowledge this debt which is the ONLY collection harming my credit report scores. They are collecting on a debt with an open account status? Error reported. Dispute resolved? Customer disagrees? So I wanted to report this on MY OWN self right XXXX XXXX  and Credit Corp Solutions?
Consumer complaint received 2023-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was notified of fraud from a credit monitor system ( XXXX ), that multiple credit cards accounts were attempted to be opened and inquiries placed on my credit report all with Transunion, XXXX and XXXX companies. The dates of these inquiries include : XXXX XXXX, 2023. Two inquiries were with XXXX credit card company ( XX/XX/XXXX and XXXX, 2023 ), which I called them about, and made them aware that the person was not I who attempted the accounts. They stated the person committing Fraud tried for a XXXX credit card through them, which they declined at the time. XXXX credit card representative stated the he would notify the XXXX  Credit Bureaus of the Fraud. I then called XXXX XXXX to notify them of the one inquiry on XXXX XXXX. They stated that they did not see an account opened in my name and that I would have to send them the Fraud report letter by fax, which I am doing today, for them to follow up with XXXX. I then also notified XXXX credit card company of the inquires placed on XX/XX/XXXX and XXXX 2023. Per XXXX they could not do anything about the inquiries due to no account being shown under my name or social. They stated I would have to wait and call them in a couple days to see if there are any new accounts made in my name. They stated they could not notify the Transunion or XXXX since there was no evidence to be seen from them of fraud. After calling XXXXXXXX XXXX and XXXX XXXX, I then called each of the Credit Monitoring establishments. Transunion was notified of each inquiry and my account frozen to assist with further fraud attempt. XXXX and XXXX were also notified and all have been Frozen account wise. After reporting all of this, I will be sending the reports from XXXX to Transunion, XXXX, XXXX and all the credit card companies to help assist with deleting these fraudulent Inquiries on my credit reports.
Consumer complaint received 2023-01-03
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)

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.