davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
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. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-07-19
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: Kikoff Inc. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2022-09-16
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: EQUIFAX, INC. (TX)

I have, in all respectful ways, requested that these two accounts be reviewed ; and that all signed and binding contracts between XXXX and myself be put forward and produced and put in full exhibit before these credit reporting agencies to report truthfully and rightfully. 

1. Account name : XXXX XXXX Bank Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices. 2. Account name : XXXX XXXX XXXX  Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices.
Consumer complaint received 2022-09-16
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)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This was already included in my prior complain, and I'm including it again. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-09-16
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX XXXX XXXX FL XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2022-09-16
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX XXXX XXXX FL XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$7900.00}
Consumer complaint received 2022-09-23
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)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it is fraudulent & was opened without my consent or knowledge XXXX XXXX XXXX Opened Date XX/XX/2014 Balance {$0.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2020-10-02
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. (TX)

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that  items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2020-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST (OK)

I had to close my fresh start checking that had no overdraft privilege 's due to the fact of COVID and fraud. Someone filed a fake claim for unemployment in my husbands name, our emails, XXXX, dark web and passwords were all exposed. I notified Bank of the West of this problem. My Husband and I opened a regular account this time, last time I was not approved. Literally after opening I have had problems with them holding deposits, charging me overdraft fees when the item that cleared and I was clearly not negative at the time of it clearing. 
This all started on XXXX the XXXX, which I called in and they refunded two overdraft fees. Since then I have been charged numerous times, because they held an automatic deposit FROM XXXX ON THE XXXX and charged overdraft when I had the money present in my account I have called my branch, the call center, and have even been hung up on.
Consumer complaint received 2022-09-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-09-16
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: EQUIFAX, INC. (CA)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NJ)

On or about XX/XX/2020 my Master Card was charged for a purchase I did not make or receive. my card was charged for {$60.00} by Paypal. I contacted Paypal serveral times and they would not send me any information concerning the transaction, i.e. what was purchased, proof that I ordered the item or proof of delivery. I applied for a refund but they denied my request two times. When I called to inquire about more information they would not take my call or make any attempt to give me the information I requested.
Consumer complaint received 2020-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OR)

I did not receive a statement. When I finally did receive one there were late charged. I tried to pay my account on line but it didnt work. I mailed a payment less the late fees and requested the fees be removed and my account to be closed. I paid for all of my merchandise but Synchrony Bank keeps sending statements with additional late fees and interest on top of the late fees. Now they are threatening to debit my bank account without my permission. I receive multiple harassing phone calls daily.
Consumer complaint received 2022-08-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (NV)

My real estate broker XXXX XXXX told me to find another lender since XXXX XXXX XXXX was going through changes ( e.g. layoffs ) and was too short staffed to complete the mortgage process. So I called New American Funding and was connected to a XXXX XXXX. I told her I wanted to apply for a VA loan and asked her about credit scores and informed her that I have been dealing with a lot of issues surround identity theft and my scores are not the best. She told me she could look at my documentation and see if I qualified before pulling credit. I sent her over my documents and I didn't receive a response which put me on high alert. When I called XXXX XXXX was denying that she was able to view any of the 68 Attachments, then said she was able to view 6 then mentioned the credit card attachments which tells me she was able to view the attachments. When I questioned her inability to review the attachments she hung up on me. I called back and told her hanging up was suspicious in itself and unprofessional and I would contact her management and she hung up again. See below. 

From : United States Veteran XXXX Date : Tue, XX/XX/2022 at XXXX XXXX Subject : XXXX : XXXX XXXX XXXX XXXX ) To : XXXX Good Morning XXXX XXXX XXXX XXXX Your loan officer XXXX XXXX received 72 attachments went through the attachments and did not call me back. I just found out {$2000.00} was stolen out of my business account yesterday by a scammer using fake identification on the other side of the country in Georgia. My name, SSN, DOB was sold to the dark web. I am a victim of identity theft and so I am on high alert when if comes to anyone who has my personal information. What I find suspicious is during the conversation, XXXX XXXX said she tried to access 6 of the 72 attachments and was not able to view all of them, then mentioned credit cards - however she claimed she only could view the first six attachments and I didn't mention anything about credit cards. In our initial conversation, I asked XXXX XXXX to review the XXXX XXXX report, and attachments and tell me if she could move forward before I would remove the freeze and have her pull another credit report. When I questioned XXXX XXXX regarding the attachments and how I was suspicious that she wasn't able to review anything- she hung up on me. I then called her back and told her I am a victim of identity theft and the fact that she received my documents but didn't respond was suspicious to me and I told her hanging up on me was not ok. XXXX XXXX had an attitude, with a New York accent ; and stated she is in your North Carolina branch. I would like this looked into and all of my files removed from XXXX XXXX 's computer. Thank you. 

Respectfully, XXXX XXXX
Consumer complaint received 2022-09-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: EAST WEST BANK (CA)

I was do online dating and meeting a woman and offer me type of investment by doing XXXX  she introduced me to a website called XXXX than i started to put money in and by the time I want to take out the money they just disappear and they just make so Much excuse that I wont be able to take out the money
Consumer complaint received 2020-10-02
Product: Credit card or prepaid 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 (MD)

Paypal is suspending my account every month. Then as I try to pay Paypal websites indicate that I owe XXXX amount due. Then they charge me high interest and late fees and it's their fault. I am filing with other federal agencies for an investigation for fraud. I am presenting evidence which I have copies that will prove that Pay pal is trying to enrich themselves and they need to be investigated immediately for fraudulent activity. 

See attached evidence
Consumer complaint received 2022-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-09-16
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. (NY)

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX UNIT XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 Balance : {$46000.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EdFinancial Services (AR)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The accounts EDFINANCIAL XXXX Balance {$0.00} EDFINANCIAL XXXX Balance {$0.00} were incurred due to fraudulent charges, which according to XXXX XXXX Zero Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

In previous several previous CFPB complaints, we asked Equifax to restore our auto loan account they had deleted from our reporting. As with other complaints, they did nothing so we did an CFPB complaint to the credit provider who soon after sent us a letter showing they had done an investigation and verified the account was missing from Equifax but still on the other two credit bureaus. They also indicate that Equifax acknowledged removing the account, but the answer made no sense. 

From letter : " This letter is in response to your request. First and foremost, ****** appreciates your business. Upon reviewing your account, we have determined that the information we are reporting on your account is accurate, paid off account XXXX  balance, your final payment was received XX/XX/XXXX. As required by law, we have reviewed our account records, during our investigation, we indeed show your file was removed from Equifax, according to the credit agency on XX/XX/XXXX a dispute was submitted and was never received or reply to it, that cause your file ( primary only ) to be remove from your credit. We submitted an AUD to bring your file back to your credit, you may reach out Equifax at ( XXXX ) XXXX and provide them XXXX # XXXX for further formation on your account, please allowed 24 to 72 hours for Equifax to update your reporting. Please note both XXXX  and XXXX  are accurately reporting your account, for primary and cosigner, not marked as disputed. We apologized for the inconvenience, should you have additional questions or concerns, you may  reach ****** directly using the contact information provided in the written response '' We can report that the account has since been added back to my Equifax credit reporting, but it now has deleted an important information. THE ENTIRE PAYMENT HISTORY IN MISSING -- - THERE IS NO LAST PAYMENT AMOUNT -- - NOT SHOWING MONTHS REVIEWED -- - There are also other things missing, which does not honor the XXXX  ( XXXX ) that they provider requested and therefore allows inaccurate information to be reported in my credit report.