davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX
Consumer complaint received 2023-11-15
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. (IL)

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 and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-15
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15
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. (TX)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-11-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I had a business account with fifth third, about a month ago a deposit of {$11000.00} was made into my checking account at fifth third by my merchant provider. After this deposit was made fifth third locked my account and requested some documents which showed the customer order and customer contact details. This deposit was never disputed by my customer but fifth third locked my account for reason best known to them. I reached out to them several times and they kept dragging the issue for as long as possible until they final closed my account. I went into the bank to ask for an update on my money and they claim i had no money in my account as at time of account closure which made no sense since the whole reason my account was locked was because of the {$11000.00} deposit made which was never disputed by my customer. They claim they have refunded the customer but the customer showed me proof that no refund was made into his bank account. I never received any check for my closing balance.
Consumer complaint received 2024-04-29
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: AMERICAN EXPRESS COMPANY (CA)

This is following up on my previous complaint- I have now compiled a spreadsheet detailing the payments and credits and proving that American Express is overcharging me by over XXXX. Essentially, on XX/XX/XXXX, I booked an XXXX- I used the " XXXX XXXX '' feature to pay for it, on XX/XX/XXXX, I canceled the XXXX, but as of XX/XX/XXXX, Amex was still charging me fees associated with the XXXX  ( the underlying asset of which was refunded to my card ). Also, I had an active XXXX as of XX/XX/XXXX - and the statement balance was never adjusted to reflect the end/refund of the XXXX  Now, the XXXX is technically over, and Amex has simply added the entire XXXX balance to my statement balance, and they are refusing to adjust the XXXX balance. Here is an XXXX spreadsheet detailing the discrepancy- American express thinks that my statement balance as of XX/XX/XXXX was {$11000.00}, which based on the credits/payments downloaded from Amex ( which I have compiled in a spreadsheet ), the difference between my payments and credits is {$8500.00}. This is a discrepancy of {$3200.00}, which I must have refunded immediately.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX {$8000.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$7300.00} ; XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} {$4800.00} ; XXXX XXXX XXXX : {$8000.00} ; XXXX XXXX Balance : {$4900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6000.00} ; XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$410.00} ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-15
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. (VA)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-20
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Synovus Bank (FL)

XX/XX/2023 Synovus Bank Subject : Report of Unauthorized ATM Withdrawals and Request for Investigation Account numberXXXX Dear Synovus Bank , I hope this letter finds you well. I am writing to inform you about a series of unauthorized ATM withdrawal transactions that have occurred on my checking account, as well as to request an immediate investigation into the matter. I kindly request your assistance in resolving this issue promptly. 

During my recent vacation outside the country, I received a text message alert regarding a possible fraudulent transaction. Upon receiving the message, I promptly responded by confirming that I had not used my card for any such transaction. As a precautionary measure, the bank locked my card to protect against any further unauthorized use. 

Now that I have returned to the United States and accessed my account, I have discovered multiple unauthorized ATM withdrawals that transpired on a daily basis. Surprisingly, the bank 's fraud detection system failed to identify any unusual activity, raise any red flags, or lock the card during this period. It is important to note that the only instance in which I used the card was to purchase gasoline at XXXX. 

In light of these circumstances, I urgently request that you take the following actions : XXXX. Report the card as lost or stolen : It is apparent that my card is missing, as unauthorized withdrawals have taken place without my knowledge or consent. Therefore, I kindly request that you immediately report the card as lost or stolen to prevent any further unauthorized transactions. 

2. Initiate a dispute : Given that all the ATM withdrawals conducted using my checking account were unauthorized and fraudulent, I hereby request that you open a dispute for each transaction. I expect that the necessary measures will be taken to ensure that the funds wrongfully withdrawn from my account are returned promptly.

3. Conduct a thorough investigation : I further request that your institution conducts a comprehensive investigation into the matter. As part of this investigation, I kindly ask that you retrieve and review the ATM camera footage from the locations where my card was used to withdraw funds without authorization. I believe that this evidence will help identify the individuals responsible for the fraudulent transactions. 

I trust that you will handle this matter with utmost urgency and professionalism. It is of utmost importance to rectify this situation promptly and to ensure that appropriate safeguards are put in place to prevent similar incidents from occurring in the future. 

Should you require any additional information or have any questions, please do not hesitate to contact me via email at [ Email Address ] or by phone at [ Phone Number ]. I am available at your convenience to provide any necessary documentation or further assist in your investigation. 

I appreciate your immediate attention to this matter and look forward to a swift resolution.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AMERICAN EXPRESS COMPANY (TX)

I receive offers for a credit card with American Express frequently for my business. Once my credit rating approved my odds of approval, I opted to apply. I submitted the application and was met with 2x that I was unable to upload the verifying documents. I called back a 3rd time and was told the application was denied, yet I hadn't uploaded any verifying documents for their review. When I inquired about whom to speak with and report this incident to, I was transferred to a supervisor who later wanted me to complete the application a 3rd time, but instead of adding one of my bank account statements but to sign an XXXX form to release my IRS Transcripts to them. This procedure is not stated on their website, and why after submitting my confidential IRS EIN number verification letter, statements from two bank accounts and the Assumed Named document, was I still denied and asked to submit additional documentation?
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC. (TX)

A Caine & Weiner account showed up on my credit report for the amount of {$450.00}. I reached out to the debt collector to request verification of the alleged debt and I have not received any correspondence.
Consumer complaint received 2023-04-20
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15
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. (KY)

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 ). This account may not be reported as unverified information without providing any supporting information within the legally allowed time range. The account is shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXXXXXX
Consumer complaint received 2023-04-20
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. (PA)

My name is 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 2023-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (MD)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a severe and ongoing violation of my rights under the Fair Credit Reporting Act ( FCRA ) by Transworld Systems. Despite providing a police report, FTC affidavit, and proof of residency during the alleged creation of the account, Transworld Systems continues to attempt collection on an account resulting from identity theft. On my last CFPB transworld completely ignores the documentation I provided such as my FTC affidavit, police report, ID, proof of residency during the alleged account was created and still requested the same documentation in their repost to my complaint # XXXX. Its obvious transworld system does not care about the law and only cares about harassing people and violating their rights. They did not validate the debt all theyve done was provided a bill which is not enough in accordance to the law. 


This is a clear infringement of the following FCRA provisions : 1. **Section 1681s-2 ( b ) - Accuracy and Integrity of Information** : Transworld Systems has failed to ensure the accuracy and integrity of the data by persisting in collecting on a debt resulting from identity theft, despite documented evidence proving the illegitimacy of the account. 

2. **Section 1681b - Permissible Purposes of Consumer Reports** : The debt collector has not adequately validated the debt, even in the face of official documentation, including a police report, an FTC affidavit , and proof of residency during the creation of the alleged account. 

3. **Section 1681c - Requirements Relating to Information Furnished by CRA to Consumers** : Transworld Systems has continued to report inaccurate information, ignoring the evidence provided and perpetuating the harm to my credit report.

Immediate Action Required : I demand that Transworld Systems cease all attempts to collect on this identity theft account immediately. Furthermore, I insist on the immediate and irrevocable removal of all information related to this debt from my credit report within 15 days from the receipt of this letter. Failure to comply may result in legal action, as Transworld Systems can be fined under the FCRA for willfully reporting inaccurate information to my credit report. 

I expect swift action to rectify this ongoing violation of my rights. 

Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-20
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: Experian Information Solutions Inc. (FL)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here! 

Below are the accounts in question : Credit account # XXXX you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # XXXX : XXXXDept of Ed