davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
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: JPMORGAN CHASE & CO. (VA)

See attached and : Dear Rep, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted.

My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 1. Jpmcb - XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX / 12 XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX You are required to do what I am asking and block/ delete these transactions from being reported to my consumer report within 4 days according to the law. 

Thank you.
Consumer complaint received 2022-08-02
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. (GA)

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$500.00} XXXX  XXXX Balance Owed : {$470.00}
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I am business banking customer who came in the XXXX XXXX branch to deposit ( Complaint id XXXX ) a Cashiers Check which was verified by the branch manager in XXXX XXXX XXXX XXXX XXXX placed an extended hold without advising me. When I called the Business Customer advocate was advised it is not policy but the managers discretion. So they verify funds and then placed an extended hold on the account. But then changed the story when I questioned things. This is the most XXXX thing I have experienced banking why XXXX. I believe the mangers actions were XXXX and XXXX motivated.
Consumer complaint received 2022-08-02
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: ID Analytics, Inc. (FL)

TODAYS DATEXXXX XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  Dispute Department XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX  system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly, I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

MY LOANCARE MORTGAGE ACCOUNT WAS NEVER LATE OR HAD ANY MISSED PAYMENTS. IT WAS UNDER DEFERMENT AND FORBEARANCE PROTECTION AND A SUBSEQUENT LOAN MODIFICATION DURING XXXX  XXXX PANDEMIC, AFTER WHICH REGULAR PAYMENTS WERE RESUMED AS SCHEDULED. IT SHOULD NOT HAVE BEEN REPORTED IN A DEROGATORY MANNER ON MY CREDIT REPORT.
Consumer complaint received 2022-09-30
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)

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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}. 

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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-06-09
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. (FL)

The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigations
Consumer complaint received 2022-10-23
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: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XX/XX/2022 Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to re-investigate and delete the unauthorized inquiry Inquiry made by : XXXX XXXX XXXX on XX/XX/2022 To whom it may concern Please be advised this is my second written request and final warning that I intend to pursue litigation in accordance with the Fair Credit Reporting Act ( FCRA ) to enforce my rights and seek relief and recover all monetary damages that I may be entitles to under section 616 and section 617 regarding your continued willful and negligent noncompliance.

You are the company that that reported the unauthorized credit inquiry ( listed above ) on my credit report violating federal law. You are required under the FCRA to have a copy of the documentary evidence, verify the information on my credit report is and is correct. In the results of your first investigation, you stated in writing that the credit inquiry is verified and reported correctly. I believe you are violating the FCRA because I have not signed any documents authorizing the company in question to review my credit report. Thus, the listed inquires made without my authorization and for no legitimate business purposes.

Please also be advised that I contacted the above companies. Since they have no proof of my inquiry authorization, written or verbal I ask that you delete the unauthorized inquiries from my credit report immediately.

According to section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S Code 1681b in general. Subject to subjection ( e ), any consumer report agency may furnish a consumer report under the following circumstances and no other : ( F ) Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable information ( A ) in general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate, incomplete or can not be verified the consumer reporting agency ( i ) promptly delete.

IMPORTANT : This credit inquiry is not mine. Please, re-investigate this matter and delete the disputed items as soon as possible before I am forced to take legal action against your company. This law is very clear as to the civil liability and the remedy available to me ( 15 U.S Code 1681 et seq. ) if you fail to comply to federal law. I am a litigious consumer and fulling intend on pursing litigation in this matter to enforce my rights under the FCRA! 
My FTC Report is attached the report number is XXXX.
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A. (CA)

I closed my checking bank account with PNC bank recently. 
Today, I got an email from PNCBank that a new statement is available ( perhaps the last statement ) online.

When I tried to log in online, my login is diabled ( understandable given my account is closed ). 

However, when I asked the customer service for a copy of my last statements, I was told that there is a fee {$5.00} for duplicate statement. I tried talking to them that there is no other way I can access my statements but they told me this is standard policy. 

This is bad policy on part of a big bank who is badly treating the past customers. 
I want this to get highlighted ( and corrected ) if possible.
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights 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. Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no 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. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-08-02
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. (UT)

In accordance with the Fair Debt Reporting act XXXX XXXX XXXX XXXX Acct # 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. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I recently got a response back from Equifax indicating I was responsible for the fraudulent accounts on my credit, but I do have proof they never even investigate my dispute. My account still hasn't been updated, and the XXXX XXXX account on my credit report Equifax is claiming I am responsible for dates are inconsistent. The reported date, and open date are just impossible. My identity was stolen and used during the XXXX Equifax data breach breach, and I received credit repair services from Equifax, but still refusing to dispute my filed disputes. I am not responsible for XXXX, XXXX XXXX, and XXXX. I have not done any business with them nor have I signed any contracts with them. I requested documents to verify the method Equifax used to investigate and determine the accounts belong to me on numerous occasions, but I have not received anything as of today the XXXX of XX/XX/XXXX. They are violating my rights, and I would like some help with this. I've been battling with this issues, and it is taking a toll on my mental. It has made life extremely difficult for me, I need some professional help.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

My Wells Fargo Debit card was stolen along with my cell phone and other belongings between XX/XX/XXXX and XX/XX/XXXX. I was not able to report the the theft of my card immediately due to the Trauma that I had suffered as well as the fact that my cell phone had also been stolen. Due to this unfortunate event on XX/XX/XXXX I visited the Wells Fargo Branch located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX in person to report that my Debit Card had been stolen. I inquired and went over several transactions with a bank representative and pointed out/ confirmed that those transactions were fraudulent and not authorized by me. The bank representative assured me that the debit card would be canceled and transactions reported. On XX/XX/XXXX I checked the activity on my account and discovered that the fraudulent transactions continued. There were numerous attempts to withdraw funds and purchase items and other services. Wells Fargo continue to authorized over 27 fraudulent transactions after I had already reported the Debit Card stolen and at any time, attempted to contact me to verified/ confirm the validity of the transactions. An approximate {$2700.00} were stolen as well as over {$900.00} in over draft fees were charged to my account. I reported and filed a claim for this lost with Wells Fargo at that very moment on XX/XX/XXXX. 
Wells Fargo later made the egregious, unethical, irresponsible decision to denied my claim. This has been an extremely traumatic experience for me.
Consumer complaint received 2022-09-19
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. (GA)

I am a natural person, I am a living human being, and I have rights under 15 USC 1681 Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX  # XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX on report twice Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-23
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)

I have reported identity theft to FTC, I have police reports and evidence. I spent over 37 hours of my own time calling and writing to Equifax. XXXX and XXXX XXXX no avail. 

I have filed XXXX disputes they do not even look at evidence and are impossible to reach. This is the company who breached my information to begin with! They are not only responsible for data breach but they have done nothing even after being charged as guilty in court. How this company is still allowed to monitor the nations credit is just insane. Its criminal. 

I reported disputes on the following days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Over and over I have file disputes for the identity theft that I have clear cut evidence for. 

My identity was stolen and they opened up a XXXX XXXX, XXXX XXXX, XXXX and took out loans! 
My credit score was XXXX and now its XXXX! 
I cant get an apartment or a loan this is destroying my life! 
Destroying my credit and Equifax is partially responsible its incredibly ironic that they have control over my credit score!
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TN)

I am submitting this complaint because this organization is reporting outdated inaccurate information on my consumer report. This account is past the statue of limitations it has been reporting for over 7 years. 15 USC 1681 ( a ) states the banking system is dependent on fair and accurate credit reporting. This account is on my credit report as a duplicate account and it also is outdated I reached out to the company to resolve this information but I had no success.
Consumer complaint received 2022-08-02
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: PNC Bank N.A. (TN)

I am a victim of identity theft and Im writing in regards to account number XXXX XXXX XXXX. Ive reached out to PNC on numerous occasions to dispute three fraudulent accounts ( 2 loans and 1 credit card ) that were opened without my consent and knowledge. These loans were then funded to bank accounts that were also opened as results of identity theft and have since been closed. Each time someone calls me and then I dont hear from them again. I then receive letters stating that they cant process it do to payments being made from accounts, which were the same accounts the fraudster ( s ) opened to acquire these loans. Ive since closed accounts with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX as well as couple XXXX banks. Ive reported the theft to the proper authorities and federal government however PNC still has yet to dissolve me of any of the balances and still attempts to collect on these fraudulent accounts violating my rights to a fair and just resolution. Im preparing to file a lawsuit siting numerous violations and an unwillingness to resolve this issue. 

If you all would like to discuss this urgent matter I can be reached at XXXX or XXXX XXXX
Consumer complaint received 2022-08-02
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: CBC Companies, Inc. (FL)

TODAYS DATEXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX