davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

XXXX XXXX did not report my accounts as included in bankruptcy filing on XXXX XXXX so I had to file a dispute with Equifax that those accounts were included in Bankruptcy and NO BALANCE is due. ( Please review the attached document that XXXX XXXX received from the Bankruptcy court. ) After my dispute with Equifax, XXXX XXXX then sent FALSE non accurate information to Equifax that stated the accounts were charged off and balance due of {$13000.00} for credit card and {$6900.00} due for the other account. XXXX XXXX also changed the account numbers to XXXX for credit card and XXXX for another account and reported that my year of birth was XXXX. These accounts do not belong to me and my year of birth is XXXX. 
I filed a complaint with the CFPB ( see attached complaint ) for the inaccurate information in my Equifax credit file and explained that my year of birth is XXXX and that I have NEVER had XXXX XXXX accounts ending in XXXX nor XXXX. Equifax contacted XXXX XXXX and then sent me a letter stating that XXXX XXXX verified the information as accurate. ( See attached response from Equifax dispute ) Obliviously, this is a FCRA violation for XXXX XXXX to report to Equifax accounts ending in XXXX and XXXX that do not belong to me and to report my year of birth of XXXX when in fact my year of birth is XXXX. It is also a violation of the automatic stay in Bankruptcy to report a balance due on accounts that were included in Bankruptcy. 
These errors and lack of proper investigation of a dispute have caused several problems. XXXX XXXX did an inquiry on my Equifax credit file on XX/XX/XXXX and then restricted my account due to my birth year not being accurate as they think that someone else other than myself applied for credit due to my application having my year of birth of XXXX and my Equifax file has my year of birth of XXXX. This whole mess is due to XXXX XXXX reporting inaccurate information to Equifax. If XXXX XXXX does not correct the erroneous information that they supplied to Equifax then I will have my attorney file suit against XXXX XXXX and Equifax for violations of the FCRA and automatic stay in Bankruptcy.
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: KEYCORP (IN)

I'm trying to open an account with XXXX XXXX XXXX XXXX. My consumer report shows that I opened an account with Key bank, and the contributions reason is Identity Fraud. I tried to open an account with a key bank but never went back to confirm my information. Technically, the account was never open. Now I'm trying to get that cleared up to open my XXXX XXXX XXXX XXXX account.
Consumer complaint received 2022-08-24
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: DISCOVER BANK (IL)

Hi, I'm XXXX XXXX, I need your help to reachout to this company. I tried contacting them to verify howcome that someone opened up an account under my name. This is a very serious matter and I feel bad that it is now affecting my credit profile. I do not authorize anyone to use my name, date or birth or any information as it is also against Data Privacy. They need to find out who opened the account under my name and just transfer those information to that person instead. Please help me get this resolved
Consumer complaint received 2022-07-31
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. (TX)

n accordance with the Fair Credit Reporting act XXXX  acct # 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 n accordance with the Fair Credit Reporting act XXXX Acct. # 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 n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # 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 n accordance with the Fair Credit Reporting act XXXX XXXX Acct # 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 n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct 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 XXXX accordance with the Fair Credit Reporting act XXXX XXXX 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 n accordance with the Fair Credit Reporting act XXXX 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 XXXX accordance with the Fair Credit Reporting act DEPT OF EDXXXX XXXX XXXX, ACCT # XXXX, ACCT # XXXX ACCT # XXXX, ACCT XXXX ACCT # XXXX, ACCT XXXX ACCT XXXX ACCT XXXX ACCT 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 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I always had a good credit score, pay credit cards regularly ; therefore, I never check my credit score. In XXXX, I saw my credit score decreasing and notice a fraudulent account that I have never opened on my record with XXXX XXXX. I reported it via XXXX and today received a confirmation that the information is accurate. I called this company because I am not aware of what type of account it is and what this bank even is. 

I am in the process of buying a house. This fraud prevents me from doing so, causing sufficient amount of pain and suffering, while it does not seem XXXX adequately investigated my fraud report. 

I have never opened an account with XXXX XXXX, I am not aware of this bank, never communicated with this bank, neither via mail nor otherwise. I have never thought their credit line, and I am not interested in their services. I have significant amount of credit cards enough to satisfy my needs, and I have always been diligent with paying for my credit cards. 


I have nothing to attach to this complaint because I have never opened such an account. The only thing I can report is a mistaken decision by XXXX to complete investigation without changes to my credit score.
Consumer complaint received 2022-04-25
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. (NY)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 



XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$130000.00} XXXX  XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5600.00} Equifax : XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$130000.00} XXXX  XXXX  XXXX Balance : {$850.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$130000.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5600.00}
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (MD)

I am constantly being locked out of my Chase Bank online account. The process of getting my online account unlocked involves dialing an XXXX number and being on hold for upwards of 1 hour. This process inhibits timely payments and allowing consumers to see their transactions to submit a dispute. The alternative is to have them call my landline... its a Southwest Airlines Visa Card, I travel, I'm rarely at my land line. Today is the 3rd time in the last 24 hours I've been left on hold because verifying my account requires extra security.
Consumer complaint received 2020-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

CCS company is reporting an accurate information on my credit report that severely impacting my credit about a debt that I do not owe. They are claiming that I owe {$370.00}. I have tried to reach out to this company several times but they refuse to correct there mistakes.
Consumer complaint received 2020-04-14
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: PNC Bank N.A. (IL)

XXXX XXXX XXXX XXXX Remarks Forfeit of deed in lieu of foreclosure XXXX XXXX account XXXX XXXX XXXX. 
XXXX, KY XXXX XXXX XXXX XXXX ) XXXX PNC BANK Remarks Account closed at consumers request Account paid for less than full balance Paid charge off Fixed rate Last payment XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-05-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XXXX  is in violation of California 's Unfair Competition Law and False Advertising Law by putting my loans in costly forbearance and failing to let me know the benefits of an income driven repayment plan. I am one of the XXXX borrowers that must have their loans XXXX, removed, and deleted from all of my credit reports. XXXX, XXXX, and Equafax is indirectly in VIOLATION of the California 's Unfair Competition Law and False Advertising Law because they are allowing NAVIENT to put report information that must be removed due to the settlement. 

I want XXXX, XXXX, and Equafax to BLOCK all XXXX  accounts IMMEDIATELY so it does not report on my credit report until the investigation is complete. Before the investigation, I want this account removed completely, if you cant delete before the investigation then delete it after 15 days from today or no more than 24 hours after the investigation is complete. 


XXXX XXXX
Consumer complaint received 2021-06-24
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: Paypal Holdings, Inc (NY)

This is complaint about PayPal company that advertised that they are there to protect consumer when making purchases and processing payments through them. During the last six months I have made several purchases from different places paying with PayPal only to see a chain of issues for not getting merchandise to getting something different, they have refuse to resolve disputes and in most of the cases I had to escalate dispute to XXXX XXXX due to the lack of response from PayPal. Today I contacted them after I have filed two disputes for a purchase made on XX/XX/2021 and like they are making a great exception they offer me a voucher for the same amount of purchase to use in a future purchase to which I refused knowing that I will not use PayPal going forward due the history of poor customer experience. I rather try to contact one again XXXX XXXX and open another dispute through them to try to get my money back.
Consumer complaint received 2018-08-13
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: WELLS FARGO & COMPANY (FL)

1. WELLS FARGO COMPLAINT. 
While banking with Wells Fargo bank on XX/XX/XXXX. I ran into the trouble with finding employment. As member, I had choice to pay my bills automatically. Going through the struggles, I asked wells Fargo bank to cancel the incoming automated payments bills, instead they informed me that this was not possible. They informed me that this was solely on system. By the end of all this, I had {$950.00} in fees with bank which I paid all of it off to the bank. Bank having little satisfaction, it reported me along with my social security to all its associates and many other financial industries as risk customer. I soon realized that since my name can be found into Early Warning System which completely sabotage my life and shaded my reputation even after I finished paying off the debt that I owed. I would like your office to have Wells Fargo bank do its duties by taking off my name off XXXX XXXX XXXX as risk customer and stop ruining my reputation. 







1. XXXX COMPLAINT. 
While banking XXXX bank on XX/XX/XXXX. I fell for scam employment which I happened to receive job offer working from home. This offer came with funds to purchase computer equipment and pre-paid life insurance. Being hesitant customer, I informed XXXX customer services that I did not completely trust this new employment since I did not know if the fund were really. I received cashiers check in mail which I went ahead and deposit into my account with XXXX. I waited for while for all the funds to be available and XXXX customer services insured me that there was no problem with check. So, I started purchasing equipment and other things needed for the job. Within 72 hours, XXXX bank fraud department told me that check was fake, and I was responsible for it. I was treated as perpetrator instead of victim. I reported incident to the FBI and I informed the bank that I was not nearly perpetrator and nor responsible. I informed the bank that the case was reported to the proper authority. I maintained my innocence while informing the bank that it failed to do its duty. The authority informed me to stop talking to this employer. XXXX bank reported me to XXXX XXXX XXXX and other financial industries as risk customer and shaded my reputation. I would like your office to investigate this matter and advise XXXX bank to remove my social security off XXXX XXXX XXXX and stopped ruining my reputation.
Consumer complaint received 2022-06-09
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)

n accordance with the Fair Credit Reporting act XXXX  XXXX Account # 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 2022-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

I was stood up 4 times after making an appointment online with two bankers. This was after being abused by customer service. I talked to XXXX XXXX in the Executive offices to request a new personal banker, since the one I had for almost a year has never answered his phone and never called back! She said she would call me back but didn't and then later claimed illness. She did not give me service, on the contrary, she referred me back to someone who had abused and hung up on me, when I specifically told her I never wanted to speak to him again. I complained about this abuse and he closed my account against my will, endangering my life and threatening to hold all the money in my account! He intended to cut me off from getting food, paying bills or buying my prescriptions, which are keeping me alive, or even having any cash at all. I did not know there was a death sentence for criticizing the abuse I had received from them, but that's what it amounts to. I was directly depositing my social security check and will have to go through a lot of red tape to change back to a paper check because it is now illegal. I am too XXXX to change Banks or even go to cash my paper check. I just wanted customer service from a new personal banker and this is how they treat you! It's no excuse even if I did lose my cool a few times after being hung up on repeatedly because I was disputing a charge that would be recurring. I still haven't been able to accomplish this with anyone there in customer service or the Executive offices or even online making appointments that 2 Bankers didn't keep 4 times. I have also left messages with two more Executives in the Executive offices hoping to correct this extremely cruel off handed decision based on the fact that I am not allowed to objective to being stood up four times online and several times over the phone making appointments or being told someone would call me right back and they never did. They call this great service. They also say on their recordings how much they want to satisfy their customers, in other words they lie and lie and lie and we're just supposed to say nothing.
Consumer complaint received 2022-10-24
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. (AZ)

This is MY 4TH attempt to correct inaccurate information being reported in my credit report published by EXPERIAN. I found a number of items on the report that EXPERIAN are publishing, Data sets related to inputting of accounts were not XXXX XXXX Complaint, I have demanded EXPERIAN disclose all of the documents upon which experian are relying on, for the reporting these hard inquiries. In accordance with EXPERIAN obligations under the Fair Credit Reporting Act XXXX XXXX. XXXX the consumer is entitled to said requested records. The information EXPERIAN IS reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of this inaccurate reporting. 

I have demanded that EXPERIAN remove these HARD INQUIRIES from my file within 30 days in accordance with experian 's obligations under the Fair Credit Reporting Act XXXX XXXX. XXXX, or send me copies of the documents that EXPERIAN have in your files as of this date that you rely upon for verification of these accounts. 

In addition to the above notice and request to deletion erroneous and unverified information, please also remove all non-account holding inquiries over 30 days old. XXXX XXXX XXXX, XXXX XXXX, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

Experian is simply sending me the same computer generated statements claiming these hard inquiries are verified without providing strict proof.
Consumer complaint received 2022-05-13
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: SYNCHRONY FINANCIAL (IL)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692XXXX, Account Number 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at