davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-24
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. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Today, XX/XX/23 I was checking my XXXX account information and realized there was an alert from XXXX which stated I had opened a new banking account with Fifth Third Bank. However I did not open an account with this bank, nor have I ever to my knowledge. I called to report it as fraud, and was told over the phone that they both did and didn't see and account, still confused by that, or at least the representative said there was a profile but no account, but then kept referencing an account. I was then transferred to the dispute department to dispute the profile, however I was told I couldn't dispute this fraud as the profile was incomplete. I tried to emphasize that this was fraud, and tried to offer to give them any information needed so I could properly have it flagged as fraud, the representative may not have heard me though, she kept saying I was cutting in and out. However I could hear her perfectly, so I'm not too sure how true that is I then asked to speak to a supervisor to better understand what was happening. The supervisor kept asking for my name, then seemingly pretended to be unable to hear me and hung up on me after a minute or two. All I want to do is ensure there is no account with my name/SSN on it with Fifth Third, as well as dispute and mark as fraud the profile they have on file. However it would seem there is no way to do this. It seems downright illegal that Fifth Third is allowed to operate like this.
Consumer complaint received 2023-07-24
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. (SC)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MA)

Hi, I am a XXXX resident and I was robbed of my phone on Friday night/Saturday morning. Here is the order of operations : On Friday night, my phone was stolen. Then after that, the thief ( maybe multiple ) continued to withdraw money on multiple accounts including Cash App. They changed my log-in and other personal information such as phone number and email and Cash App allowed them to get away with it. They have now taken roughly XXXX  dollars through the checking account listed in my account causing insurmountable financial damage along with XXXX dollars that was in my app itself. XX/XX/23 at XXXX XXXX - Stole {$50.00} XX/XX/23 at XXXX XXXX - Stole {$2200.00} XX/XX/23 at XXXX XXXX - Stole {$5000.00}. I filed a police report and am working with a detective. I provided the company the police report as well as the detective 's phone number. I provided them my statement and verified my identity. They refuse to return my money or provide me any explanations for this.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CO)

Well when I was with wells Fargo it's been almost a year that I haven't been with them but when we were with a banker in their cubical they said that they discovered that theres six to seven accounts in my name I only had a checking and savings in which I lost some of my XXXX back pay which the total loss I had taken is {$6400.00} I just got this money from battling and defeating XXXX can you please get me my money
Consumer complaint received 2023-09-13
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. (FL)

In accordance with the Fair Credit Reporting Act Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 ( a ) states that I have the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) also specifies that a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (AZ)

On XX/XX/XXXX I was charged by XXXX XXXX in the amount of {$7200.00} Sometime in XXXX I called to dispute this charge as the communication between me and merchant was minimal at best, and the work I paid to have done had not been completed. 
Around that same time my account was adjusted to reflect a credit of {$7200.00} while you investigated the issue. You also removed the payment from the Merchant and that is when the communication picked back up. 

On XX/XX/XXXX the work was preformed and I called to cancel my dispute with the Merchant I was then instructed by your team the adjustment on my account would be removed, the charge date would remain the same ( XX/XX/XXXX ) but it would show a new post date of XX/XX/XXXX. 

After waiting the 7 to 10 business day I was told it would take to reprocess the payment to the Merchant, the Merchant still has not received the funds. 
I have been charged and paid my account balance for the amount in question. 

The Merchant, who uses XXXX, has not received the funds from this resolved dispute. XXXX has no record of American Express trying to send them any funds either. 

I have spoken to multiple people at American Express as well as at XXXX however, no one is talking to each other. I am doing all the talking between the companies and something is systematically wrong between Amex and XXXX preventing the merchant from receiving his funds. 

My dispute is not The expected goods or services have not been received, the dispute is American Express has {$7200.00} of MY MONEY and they have not paid the Merchant. Where is the money?!? Follow the transaction numbers and figure out where the money is either stuck, or was wrongly deposited. 



Someone from American Express needs to contact the merchant ( which I was told would be done and to date they have not heard from you at all ), contact the merchants account processor ( which is XXXX ) and get the issue resolved. 

Find the money I have paid, and deposit it into this account.
Consumer complaint received 2023-09-13
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. (MD)

I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

It's disheartening to note that these companies have failed in their legal obligation to address these disputes, as required by law. 

XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I DO NO RECALL ANY OF THIS INFORMATION ON MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-17
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. (NY)

I am personally submitting this complaint regarding late payment entries on my credit record. Upon examination of my files, I discovered these late payment notations. Despite sending correspondence about this issue more than 30 days ago, I have received no reply, nor has adequate validation been provided. I request your assistance in addressing and resolving this matter swiftly and effectively.
Consumer complaint received 2023-09-13
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. (NC)

In accordance with the Fair Credit Act, the following list of accounts have violated my federally protected consumer rights to Privacy and confidentiality under 15 U.S.C. 1681 : XXXX Account # XXXX ; has violated my rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXX Account # XXXX XXXX, has violated my rights to Privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX Account # XXXX, has violated my rights to privacy and confidentiality under 15 U.S.C 1681 15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. ( a ) ( 5 ) Section states no consumer reporting agency may make any 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. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any other 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 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Dispute of Inaccurate Credit Information Pursuant to 15 U.S.C. 1681 and 1681i items on my credit report that I believe are inaccurate, incomplete, and not verifiable, as allowed by the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681 and 1681i. The following accounts are the subject of my dispute : XXXX XXXX Account # XXXX has violated my rights XXXX account # XXXX has violated my rights XXXX XXXX XXXX account # XXXX has violated my rights I am disputing these items on the grounds of violations of several sections of the FCRA, including but not limited to : 15 U.S.C. 1681 Section 602 ( a ) - Requirement of Accuracy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Pe
rmissible Purposes of Consumer Reports.15 U.S.C . 1681c ( a ) ( 5 ) - Information Not to Be Included in Consumer Reports. 15 U.S.C. 1681e-2 ( a ) ( 1 ) - Duties of Furnishers of Information to Consumer Reporting Agencies . 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) - Responsibilities of Furnishers of Information to Consumer Reporting Agencies .

15 U.S.C. 1681i ( 5 ) - Procedures for Disputed Information. I request that you investigate these disputed items and correct any inaccuracies, discrepancies, or incomplete information in accordance with the FCRA. Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation into the disputed information within 30 days of receiving this dispute letter. Please provide me with a written response detailing the results of your investigation, including any corrections made to my credit report. If you are unable to verify the accuracy of the disputed items, I request that you remove them from my credit report in accordance with the law. Failure to comply with the FCRA and address this dispute within the specified time frame may result in legal action. I trust that TRANSUNION, XXXX, XXXX will handle this matter promptly and in accordance with federal law.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (AZ)

Selected category is not exactly the issue but none matched any better. Chase is looking into a fraudulent credit card application submitted in my name. I spoke with their fraud staff and shortly after the conversation received another email saying " Thanks for requesting a new credit card. '' Thinking it was another fraudulent application, I called again to check. Fraud staff advised there was only the one application - their reference number XXXX. After the call, we received another email saying, " Thanks for requesting a new credit card. '' Apparently, every time you talk to them this email is generated? This is very confusing. Once the application has been denied ( which they confirmed several times ), this should stop.
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

Synchrony, XXXX XXXX, credit, credit card, let an assistant of mine that I fired because she stole a bunch of money for my credit cards and accounts and I sent them police report Federal Trade Commission report of identity theft they refuse to take off the balance and decide in favor of this fraud case I keep re-filing an appeal, they have not sent me proof and evidence and reason that I requested They wont even provide me with an email address to communicate with them. I requested to speak to the lead investigator they never called me back. I did not make this charge and it was for {$10000.00} back in XXXX. The XXXX had access to my drivers license from my XXXX and a picture of my credit card from my XXXX. She made this charge in Florida. I live in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX they didnt flag discharge or contact me for such a big charge. Also, she did an Internet authorization and copy and paste my signature with no real ink at the same signature that was on my drivers license from there please work with synchrony XXXX XXXX to resolve this issue and take the charge off my account. It says they guaranteed XXXX fraud liability. Think the charge was from XXXX possibly XX/XX/year>.
Consumer complaint received 2024-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

God Day, My Name is XXXX XXXX XXXX and I did not make any purchase with this card. I was XXXX XXXX from XXXX, and Suffer from XXXX from the XXXX XXXX and suffer with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, serving in the XXXX XXXX, I was being taking care of by family memebers, and They took advantage of me, while I was on XXXX XXXX XXXX. I very sorry, that it happen, but Im still here and I would kindly ask for your company to remove the financial Detriment from my credit report, It's hurt me and My family. 

Capital ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-09-13
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. (NC)

Dispute of Inaccurate Credit Information Pursuant to 15 U.S.C. 1681 and 1681i items on my credit report that I believe are inaccurate, incomplete, and not verifiable, as allowed by the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681 and 1681i. The following accounts are the subject of my dispute : XXXXXXXX XXXX Account # XXXX has violated my rights XXXX account # XXXX has violated my rights XXXX XXXX XXXX account # XXXX has violated my rights I am disputing these items on the grounds of violations of several sections of the FCRA, including but not limited to : 15 U.S.C. 1681 Section 602 ( a ) - Requirement of Accuracy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Permissible Purposes of Consumer Reports.15 U.S.C . 1681c ( a ) ( 5 ) - Information Not to Be Included in Consumer Reports. 15 U.S.C. 1681e-2 ( a ) ( 1 ) - Duties of Furnishers of Information to Consumer Reporting Agencies . 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) - Responsibilities of Furnishers of Information to Consumer Reporting Agencies .

15 U.S.C. 1681i ( 5 ) - Procedures for Disputed Information. I request that you investigate these disputed items and correct any inaccuracies, discrepancies, or incomplete information in accordance with the FCRA. Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation into the disputed information within 30 days of receiving this dispute letter. Please provide me with a written response detailing the results of your investigation, including any corrections made to my credit report. If you are unable to verify the accuracy of the disputed items, I request that you remove them from my credit report in accordance with the law. Failure to comply with the FCRA and address this dispute within the specified time frame may result in legal action. I trust that XXXX, XXXX, EQUIFAX will handle this matter promptly and in accordance with federal law.
Consumer complaint received 2024-10-16
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: FREEDOM FINANCIAL NETWORK (FL)

FDR is a voluntary program. They refuse to allow me to cancel. They charged and overdrew my checking account! I've called them 3 times. I never received an email confirmation that I've requested to close my account. They are making a bad day even worse. I don't know what else to do at this point.
Consumer complaint received 2023-09-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC. (FL)

I requested a full payoff amount with the lease financing company ( ALLY Financial ), and they gave me the final payoff amount. I paid it and then they tried to charge me more money months later. When I didn't pay the extra charges, they sent the credit bureaus derogatory payment information. My credit score dropped from XXXX to XXXX. They can't give customers a full payoff amount and then charge more at a later date. That's akin to a restaurant telling you you owe more money for dinner a week after you ate... Please rectify this, I need my credit score back to where it should be and ALLY Financial must be punished for their criminal actions.