davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-06-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Ref : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX BOA Application # XXXX SBA  # XXXX EIN # XXXX My name is XXXX XXXX and I am the owner of a small business that has been greatly affected by the Covid-19 pandemic and, as such, have had to solicit a XXXX loan with Bank of America, the banking institution which I have been a patron of for many years. 

I would like to bring to your attention the behavior of one of the BOA XXXX XXXX XXXX department, XXXX XXXX. In addition to asking me and my accountant to engage in fraud by knowingly filing taxes for my corporation with incomplete, false and premature information ; she has continuously erected obstacles for me which have made it incredibly cumbersome for both myself and my accountant to comply with. 

Today she insisted on me doing something that is impossible and would not only leave me breaking the law, but leave my accountant with her license revoked. XXXX refuses to understand that despite the fact that my business latest tax filing was for the year XXXX, it is both up to date and in complete compliance with the Internal Revenue Service. This is because the business in question does not run on a calendar year but rather off of a fiscal year that commences on the corresponding day which it was created. As such, my latest and up to date filing ( which has been uploaded to the XXXX system ) is from XX/XX/XXXX and finalizes on XX/XX/XXXX. Meaning that XXXX is advising me to file a tax return for the remaining 4 months and make it seem like it is for the entirety of XXXX committing fraud in the process. 

My accountant thus concluded that to satiate her unreasonable request, perhaps uploading Bank Statements for the remaining 4 months would suffice. Sadly XXXX continues to push this narrative which, if followed, would result in my fraudulently filing a tax return with the IRS. 

I do not know who to turn to as there is little transparency on the part of Bank of America as it pertains to the XXXX loan process and I am fearful that I will get rejected for my refusal to act unethically and engage in fraud. 

Any assistance in this matter will be greatly appreciated. 
XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2023-03-09
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. (PA)

The credit reporting agencies stated that this account was properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

Account name : US Dept of education Account number : XXXX As a consumer, I request to know all the steps your agency took to insure this account were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification Description of reinvestigation procedure. I had provided documents from the US Department of education stating that this account should be removed from my credit report & is inaccurate.
Consumer complaint received 2021-11-29
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. (GA)

I am not an attorney or a third party. I am filing a complaint on my own behalf because it is my legal RIGHT to do so. I recently found a company that I do not recognize on my credit file from XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. I am requesting that this account be deleted for the failure of proper notification. I can not find any legal document that states XXXX XXXX XXXX XXXX is an entity that can legally enforce a claim upon my person. I believe this to be an error as well as a HIPPA Act violation too!
Consumer complaint received 2020-06-23
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. (GA)

I have submitted disputes with Experian about the ongoing reporting of late payments on my student loans which are in default. On XX/XX/2020, the president signed the CARES ACT, which ceased all interest and collection efforts on defaulted student loans. Yet, Experian continues to report the late payments which has affected financially.
Consumer complaint received 2020-06-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MA)

I have leased two Chrysler vehicles in the last few years a XXXX XXXX XXXX and a XXXX XXXX XXXX. 

- On the previous lease ( XXXX XXXX XXXX )  we were overcharged for a tax payment and ended up overpaying Chrysler Capital. I called and spent hours trying to get a mistake created on Chrysler Capital 's end sorted out over the last 18 months. 
- Because of a lot of back and forth, as well as misguidance from Chrysler Capital Allegiance Team, my account had a delayed payment on it in the amount of {$110.00}, which Chrysler Capital reported to the credit bureaus even though I did pay it right within 30 days ( we paid it once we had not heard anything back from Chrysler regarding overpayment ).

-After calling and explaining the situation ( as well as our perfect payment history ), Ive been told by Chrysler Capital Allegiance Team multiple times that this delayed payment would be removed by the credit disputes team but have yet to see this reflected on my credit report. 
- Last week, I was told previous associates " misspoke '' regarding getting the delayed payment being removed from the credit report and would be further trained and potentially let go Chrysler Capital has not only provided misinformation MULTIPLE times, which resulted in this dispute, but they have not removed this from my credit report as they have told me repeatedly they would.
Consumer complaint received 2021-04-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MD)

My father died on XX/XX/2021 in XXXX XXXX, Florida. On XX/XX/2021, I went to the Chase Bank branch where his checking account was held at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I presented the death certificate and requested closure of the account. I am the beneficiary upon death and the bank did have that information on record. The agent assisting me urged me to go into the account and make sure all auto-pays were stopped before closing the account. I did that and returned the next day to request closure of the account. Because this bank account is where his monthly social security payments of approximately {$1400.00} were deposited, the agent informed me that the account would be on hold until Social Security confirmed that the last payment, which arrived XX/XX/XXXX, is valid. She explained that social security has 120 days to reclaim these funds, but I could request a letter from social security that would allow them to close the account. The account currently has more than {$16000.00} on deposit. When I log into the checking account, it looks as if the account is overdrawn by $ XXXX, so of course all funds are frozen. 

It is now XX/XX/XXXX, and after repeated ( 5 ) calls to social security, both local and national offices, they have consistently told me that they do not have a policy of issuing letters to financial institutions. They have consistently told me that it is up to Chase to send the funds in question back to Social Security if there is any question about the validity of the last payment. There is no order of reclamation on file with social security. I have called Chase bank branches both in my local area ( XXXX, MD ) and the originating branch and have not received resolution. There is no justification for this delay without explanation. 

It is unjust that Chase bank is holding my funds in excess of {$14000.00} ( excluding the social security payment in question ) for nearly 30 days. I would like to see resolution of this matter immediately so that I may pay my father 's funeral expenses.
Consumer complaint received 2020-06-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b,  12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX and the subsequent response received on XX/XX/XXXX XXXX  enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- XXXX ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. 

XXXX {$130.00} XXXX {$440.00} CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2018 chase bank end relationship with me because of fraud XXXX checks then I really try to fixed and explain to them they wont let me reopen new account anymore finally all my money were in it I were so starving and hungry so much
Consumer complaint received 2021-03-01
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. (OH)

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : Placed for collection:XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX Loan Type : DEBT BUYER **This company is reporting on my credit report that I reaffirmed this debt. This is incorrect and they are violating HIPPA rights with this misinformation. 
Placed for collection:XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX This company is reporting that this account is correct and is not consistently reported across the three credit reports. This debt is incorrect and needs to be removed. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Please Delete Telephone numbers that do not belong to me as well.
Consumer complaint received 2021-04-12
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. (PA)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2021-03-29
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 am a victim of identity theft. I have tried disputing claims with Equifax and XXXX  to no avail. My personal information was taken from the 2017 Equifax breach that took place. Please help me clear my name and credit. It has taken a toll on my emotional, mental, and physical health.
Consumer complaint received 2020-06-23
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: Experian Information Solutions Inc. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.
Consumer complaint received 2021-08-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (NJ)

I had a loan with moneylion bank and there was an outstanding balance on the off {$130.00} I have communicated with moneylion through email and phone that if I pay off my outstanding loan in full that the loan account information will be deleted from all 3 credit bureaus and delete any information connected to that loan. I spoke to customer service and by email they assured me that they will do that by email and phone conversation. The person that I spoke to over the phone her name is XXXX and she assured me that she will put a note in the system for the account to be deleted when paid off. Ever since the loan have been paid off on XX/XX/2020. The account have not been deleted off my credit report and I tried numerous times by email complaining about the loan account never got deleted and its hurting my credit score. First they say it will take 30days to delete the information, then after 30days to 60 days and more, the account still report negatively. The status of the account change from paid/ok to charge off ( CO ). Then moneylion change their story and said they will not delete the account. I have dispute this account will all 3 credit bureaus and moneylion bank refused to hold up their agreement to delete the account off my credit report.
Consumer complaint received 2020-06-23
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: Experian Information Solutions Inc. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2020-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2022-12-28
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2020-04-16
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: BARCLAYS BANK DELAWARE (TX)

Purchase from - XXXX XX/XX/XXXX for XX/XX/XXXX flights. 
Purchase price - {$1500.00}. 
Flights cancelled - XX/XX/XXXX due to virus. 
Refund promised by XXXX on - XX/XX/XXXX. 
Date of dispute - XX/XX/XXXX. 
Dispute amount - {$1500.00}. 
Dispute case ID - XXXX. 
Today 's date - XX/XX/XXXX. 

Dispute filed 9 days ago. To date, I have received no response, no follow up. I called the company and they told me it could take up to 4 months to process. 4 months. They failed to respond to internal messages. Finding a way to file the online dispute took days. They only recently implemented an online filing system. But I still had to fax my documents to them. 

I get the virus has slowed things down but Barclays, aside from their severely out of date system is taking advantage of this with ridiculous wait times and lack of response. This has been the worst experience I have ever encountered with a business.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

MY MORTGAGE WAS PAID IN FULL WITH NO LATE PAYMENTS ON XX/XX/2021 WELLS FARGO IS THE MORTGAGE COMPANY THE AMOUNT OF THE LOAN WAS XXXX
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.