davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-03
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2019-04-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (MI)

I had a checking account with Chase bank and they shut down my account and would not give me any information as to why they closed my account. This happened in XXXX of XX/XX/2018. I think it was the XXXX of XXXX. My account was suspended after someone sent me money on XXXX. I was confused as to why that happened because Ive always been using XXXX. The next day I called chase to try to resolve this matter and they said that Jp Morgan has come to a conclusion that they no longer want me as a customer. I told them so why did you guys close my account. They then responded we cant give any information. I was like why not, you guys closed my account that I have been depositions my hard earned money into. They said in 10 business days they will mail me a check of my balance which was about {$1600.00}. I was very frustrated at this point. I tried calling back again to try to resolve this matter and I still had the same problem. The customer service would not tell me why they closed my account. 2 or 3 weeks later I get A cashiers check with my balance of my chase checking account as well as a letter stating that chase closed my account. I tried to get answers from chase after that but they would not help me out.
Consumer complaint received 2023-02-15
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. (IL)

VIOLATION TO CONSUMER FCRA AND METRO 2 CXXXX 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
Consumer complaint received 2019-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NY)

Last year I contacted LexisNexis stating they were reporting to insurance companies erroneous information about the fault concerning an accident I was involved in. After a hearing XXXX XXXX sent me a notice saying I was not at fault. I furnished a copy to LexisNexis. I recently found out from XXXX nothing as to the correct status of that claim has been updated and as a result I have been charged a higher rate for auto insurance. To me, if LexisNexis is going to be in the reporting business, they need to change their practice as it is causing folks harm financially. I contacted them multiple times and sent them proof. Over a year later I come to find they've done nothing.
Consumer complaint received 2019-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened a checking account with HSBC and deposited {$1500.00} on XX/XX/2018. I was taking part in a promotion that gave a bonus of {$200.00} if I kept a balance of at least {$1500.00} for 90 days. The bonus was to be deposited into my account 4-8 weeks after the 90 days. 

It has been more than 8 weeks, and I was told today via phone and chat that it would be another 4 weeks due to a technical glitch. This is not acceptable to me, but I was told nothing could be done about it. I would like the bonus to be deposited to my account immediately.
Consumer complaint received 2019-05-04
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. ()

I contacted XXXX XXXX XXXX XXXX by letter a few months ago and asked for them to verify the information they posted on my credit report. They did not verify it, or even provide me with a signature. The complete removal and deletion of the account from the credit bureaus and deletion of the incorrect, inaccurate unverified information needs to happen as soon as possible, as this unverified account is preventing me from receiving credit. Ifs it not removed ASAP, i may have to file a lawsuit in small claims court against there company.
Consumer complaint received 2019-04-02
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. (SC)

Account Name XXXX XXXX Account Number XXXXXXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Open. {$180.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$710.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$90.00} Original Balance {$920.00} Highest Balance {$0.00} Terms 12 Months Payment History show tooltip button Tap a month for more informationShow payment legend XXXX XXXX OK XX/XX/XXXX XX/XX/XXXX60 This account was not past due in XX/XX/XXXX. I was due on the XXXX I paid XXXX on XX/XX/XXXX in payments of XXXX XXXX XXXX all on XXXX the XXXX Balance is reporting {$710.00} Should be XXXX. I have sent documentation to the credit reporting Agency several times with no success
Consumer complaint received 2022-03-30
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. (NC)

Hello, I previously filed a complaint concerning Equifax data not matching in the reports housed on myequifax.com in the daily reports and the Dispute Center. Now, I have also found serious reporting issues on my Annual Report.

You will find my current Equifax Annual Report attached. I highlighted my XXXX and XXXX account because the Age of Account is not correct. The Account Age is short by 1 year for each account. I also attached a screenshot of the account information for each account to show the Date the Account was opened.

This is a serious matter because creditors make decisions based on the Age of Accounts.

Even more serious issue is concerning the Equifax Dispute Center data that I attached. The Age of Accounts is grossly inaccurate compared to what is in the Annual Report. I am not sure what Equifax is reporting. If the Age of Accounts is grossly off on the Dispute Center, I am not sure what they are reporting to the world. 

I need the date corrected on the Age of all my Accounts before end of day Friday, XX/XX/2022, or I am going to send the Equifax CEO proof of these serious issues. Also, I am going to take off a day from work and go sit outside the Attorney General 's office until he listens to what I am telling him about all of these data errors. This is very disturbing. There are too many mistakes. 

NOTE : I ONLY CHECKED THE AGE OF ACCOUNTS FOR MY " REVOLVING '' ACCOUNTS. THE AGE OF ACCOUNTS COULD BE WRONG ON THE OTHER ACCOUNTS AS WELL. 

ALSO NOTE : DO NOT ADD A DISPUTE REMARK ON ALL MY ACCOUNTS AS THAT MIGHT REFLECT NEGATIVE ON ME. PLEASE JUST FIX YOUR DATA AS I HAVE ASKED PREVIOUSLY.
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (GA)

I enrolled this account into a credit counseling program XX/XX/2018. I have been on time and paying them the agreed to amount ever since. However, they reported I was late XX/XX/2018, XX/XX/2018 and XX/XX/2018. I was not late and my status needs to be updated.
Consumer complaint received 2019-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

I wrote w check to myself from my XXXX XXXX XXXX 
XX/XX/XXXX i deposit a check they told me to re deposit. It cleared at my bank XXXX XXXX. They told me it didnt cash. My XXXX XXXX saying it did. I have proof. I faxed it to them They still wont credit my account. They are lying saying they cant locate my account. My XXXX account is connected to wellsfargo. XXXX XXXX said thet cashed my check.
Consumer complaint received 2019-05-03
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: MoneyLion Inc. (CA)

I checked my credit report a few months ago, and seen an inaccurate account on my report. I contacted Moneylion Inc. by letter, and asked them to verify the information. They DID NOT verify it, and i need it removed.The complete removal and deletion of the account from the credit bureaus and deletion of the incorrect, inaccurate unverified information needs to happen as soon as possible, as this unverified account is preventing me from receiving credit. Ifs it not removed ASAP, i may have to file a lawsuit in small claims court against there company.
Consumer complaint received 2019-05-03
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. ()

I checked my credit report a few months ago, and seen an inaccurate account on my report. I contacted XXXX XXXX by letter, and asked them to verify the information. They DID NOT verify it, and i need it removed.The complete removal and deletion of the account from the credit bureaus and deletion of the incorrect, inaccurate unverified information needs to happen as soon as possible, as this unverified account is preventing me from receiving credit. Ifs it not removed ASAP, i may have to file a lawsuit in small claims court against there company.
Consumer complaint received 2019-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

The XXXX XXXX Firm sued me in which they told the judge that I was served. I never received the court papers I have no idea who they gave the papers to. I missed the court date.They won by default judgement. The complaint was supposed to have been mailed to me also, but who reads mail in which they have no knowledge of. My accounts was frozen, my only means of support for my son and myself. I was not on the look out for this company or the lawyers representing them because the debt was not my own. I myself and my son went without food and basic needs because of the frozen account. I had to file a response to have my accounts unfrozen. I explained my situation to the courts, because this debt had been so long ago I wasn't sure if it was mine. The debt was from 2001, so I filed an exemption but after careful research I found no record of myself applying for a Citi Platnum Select credit card. I filed a motion to set aside due to fraud, the law firm denied my claims. I then was told by the lawyer to file a identity theft claim. I did this and they denied my claims.
Consumer complaint received 2019-05-03
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: WELLS FARGO & COMPANY (CA)

I checked my credit report a few months ago, and seen an inaccurate account on my report. I contacted Wells Fargo by letter, and asked them to verify the information. They DID NOT verify it, and i need it removed.The complete removal and deletion of the account from the credit bureaus and deletion of the incorrect, inaccurate unverified information needs to happen as soon as possible, as this unverified account is preventing me from receiving credit. Ifs it not removed ASAP, i may have to file a lawsuit in small claims court against there company.
Consumer complaint received 2019-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (CA)

A while back in XX/XX/2017, I purchased an auto lease turn in of a 3 year old XXXX XXXX XXXX XXXX The car had XXXX miles on it and valued at approximatel {$13.00}. I put a down payment of approx {$2600.00} on the car ... ... .I agreed to monthly payments but I didn't agree to make illegal State of California interest payments over the statutory rate of 12 percent or whatever the legal amount is. 
As far as I am concerned I am paying illegal interest payments of almost 30 percent. This is usury. When the car is paid off in 7 entire years I will have paid them double the money for that car approximately {$26.00} This is illegal. The State allows them to do legal business and charge interest of 12 percent. Why am I being charged double when I did not agree to be involved in no illegal rang-lings..
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Collection with Florida XXXX XXXX XXXX is reporting inaccurately on my report. These accounts do not belong to me and were removed and have reappeared on my credit report. This derogatory information is lowering my credit score.
Consumer complaint received 2019-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This company continues to report negative and derogatory information disregarding the fact that I already had the account transferred and rehabilitated by XXXX  in which I am paying XXXX a month due to me being on XXXX. They continue to falsely abuse the law and continuously disregard any information and mail that I send them. I have called them on the phone and they ask me to send a letter with information they are the ones illegally reporting the information continuously to Experian and XXXX. XX/XX/2012 was the date the loan was open I was advised the statue of limitations doesn't apply to certain loans but it is already been 7 years reporting negative. The point I am trying to make is that I already did my part by rehabilitating the loan and allowing it to get transferred to XXXX it was with XXXX XXXX XXXX. I did what they told me to do so I can get it removed from my credit and the only one that is blatantly disregarding the law is XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX they continue to report the information and they already know that it should not be reported due to the fact that I have rehabilitated my loan. The keep finding ways to continue reporting information that is not true and is incorrect. I'm getting to the point where I want to sue them in open court for not following the law and also not caring it is also keeping me from getting a home from my family in which they do not care. XXXX  anguish is something that I am affected by this horrible situation and I intend to follow suit if it is not removed within the next 7 days. I am not going to allow this to happen to me by this company.
Consumer complaint received 2019-05-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2019, I was approved for a {$380000.00} 15 year fixed rate home loan by Bank of America. The next day I was denied and instructed to call the XXXX XXXX XXXX XXXX at phone number XXXX.XXXX.XXXX.XXXX. The only reason that I was provided for the denial was that it was a " business decision '' to not do business with me.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

They had three addresses for me two of which were incorrect. They only removed one of the incorrect addresses. The address they left is full of typos on its face, and anyone with any literacy would have seen that and removed it.
Consumer complaint received 2019-05-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (GA)

I didn't authorized a hold of {$260.00} from XXXX XXXX in XXXX, Georgia. My card evidently being held previously, or being used by a family member. I don't know have a clue! I know why American Express won't stop this transaction when it is on hold. I need to pay for my for my XXXX medicines. This is the second time filing a complaint against American Express Serve.
Consumer complaint received 2019-09-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: United Debt Holdings, LLC (FL)

A companie called United debt holding call me and my family threatened my to suit me and saying that I have a court date and a amount of almost XXXX $ to pay if I dont do a payment of XXXX so out of fear I did an arrangement of XXXX mount payment. Contact the bank that I own money they dont have any information also they give me there number and no one pick up. After making the arrangements to the payment I have a notification that my email and some of my password has been exposed on different side without my authorization. Also I have no documentation provided by that company
Consumer complaint received 2019-09-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (WA)

LOAN # XXXX Borrower : XXXX XXXX Property Address : XXXX  XXXX XXXX XXXX XXXX WA XXXX *** This is a second lien on a property we've been trying to complete a short sale on for many months. We have secure 1st lien approval which expired as of XX/XX/XXXX and an extension is currently pending. This property was set to be foreclosed on XX/XX/XXXX however, luckily we were able to get the first lien to postpone but they almost hadnt due to this lien holder taking so long. 
I have called literally every day to follow up and have been told for 30 days now that the approval letter should be ready " tomorrow ''. Yet, it never arrives. All parties, especially the buyer is extremely upset and frustrated with these false promises. The company is receiving the net they are wanting and there are no reasonable explanations for the continuous delays.
Consumer complaint received 2019-09-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: United Collection Bureau, Inc. (FL)

A companie called XXXX XXXX XXXX call me and my family threatened my to suit me and saying that I have a court date and a amount of almost XXXX $ to pay if I dont do a payment of XXXX so out of fear I did an arrangement of 10 mount payment. Contact the bank that I own money they dont have any information also they give me there number and no one pick up. After making the arrangements to the payment I have a notification that my email and some of my password has been exposed on different side without my authorization. Also I have no documentation provided by that company
Consumer complaint received 2019-05-04
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 went to XXXX to trade my current XXXX which Im leasing and wanted to purchase and was not approved. There are items on my credit that are not mine.I have reached out to the FTC and my local police. Please have these items removed from my credit report XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX/XXXX. I'm doing this own my own behalf.