davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (AZ)

I have applied to open both a checking and a savings account at Chase on their website. After I was turned down the first time, I have reapplied within minutes thinking that it might have been a processing glitch, I was turned down for a second time. I have applied today, XX/XX/19, and was turned down for a third time. The first two applications were submitted in XX/XX/19 and I have received two letters from Chase explaining the reason for the denial both of which are dated XX/XX/19. It is because of these letters I am filing this complaint today after getting turned down for a third time, for which I am sure I will receive a letter. On each letter, whose copies I will share with you, my calculated credit score appears as XXXX out of XXXX and this calculation is reported by XXXX. There are 3 factors listed as being the reasons why my application is turned down : 1. Two many recently opened accounts 2. Length of time since most recent bankcard account has been established is too short 3. Not enough debt experience The first two negative factors have low impact on credit scores. The third one is the source of confusion in that if I did not have enough debt experience, how could I possibly have a score of XXXX? 
All in all, these reasons do not mesh well with my credit score and my general financial viability which leads me to believe that they were thrown together to make a case which they fail at. 
The only reason for this complaint today is to understand why I was really turned down - need plausible reasons because this is likely to cause me trouble. With my financial background I should not experience anything like this. I would be able to rectify whatever is causing this outcome once I know why it is happening. 
On a final note, the last credit report I got from XXXX ( I am a customer of their monitoring service ) for all XXXX bureaus list my scores as XXXX, XXXX and XXXX. My XXXX score today is XXXX. If there is a blemish on my record elsewhere, I need to know about it since it should not be there.
Consumer complaint received 2020-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC locked me out of online banking due to a mobil check that was endorsed. The check was legitimate. They said they would close my account and mail out a check I have talked to 17 different representatives and 3 supervisors. No one can tell me anything. I tried to close the account myself and was willing to pay XXXX . They won't allow me to do that. Im on unemployment and cant pay my rent and am about to get evicted. I have read multiple news articles about numerous customers having the same issues. It took people 5 months before they they received their money. I cant wait that long. Please help me! I was directed to you guys by the multiple articles I have read with people going though the same thing.
Consumer complaint received 2018-02-10
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: WELLS FARGO & COMPANY (NY)

I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that i do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless i have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Consumer complaint received 2019-11-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (IL)

On XX/XX/2019..I was approved for a payday loan from cash aisle loan company which is a tribal loan company based in XXXX XXXX Wisconsin for XXXX..Loan number XXXX ..for XXXX dollars..This is an illegal loan per Illinois state law and the Illinois pay day reform act which states that any payday loan company must be licensed by the Illinois Attorney General to issue payday loans which this company is not..This company charges illegal interest per Illinois state law which states no payday loan company may charge more than 99 percent interest per year and this company charges XXXX percent interest a year which makes this an illegal loan under Illinois state law..To date I have paid XXXX on this illegal XXXX dollar loan under Illinois state law and an uncollectible loan in Illinois courts..I am requested since I have paid XXXX ,XXXX more than the XXXX principal that this loan be considered paid in full
Consumer complaint received 2020-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One collects citizenship information of its applicants implying that it currently has or plans to have in the future a discriminatory treatment of consumers based on their citizenship status. Capital One also misrepresents to the public that its gathering of citizenship information is part of federal regulations requirements. According to my elected representatives to the United States Congress there are no laws or regulations of the federal government of the United States requiring credit card companies to gather citizenship information of their potential customers. Capital One misleads the public into believing that that's a U.S. Federal government that requires Capital One to gather this information while in fact it is a sole initiative of Capital One to incorporate citizenship question into its Customer Identification Program. The Customer Identification Program of Capital One could have been created and designed without requiring Capital One 's credit card applicants to provide their citizenship status to Capital One as federal regulations do not require such information to be part of the Customer Identification Program.
Consumer complaint received 2018-02-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (IL)

XXXX lease see attached printout from my US Bank online statement. I authorized XXXX to debit my account {$100.00} which left me just over {$2.00}. POSITIVE. They still charged me {$36.00}. I do not sunderstand how they could charge me if I was positive. I called and asked them to stop the XXXX   payment they said I had to call XXXX. THis did bring me negative and they charged me another {$36.00}. 

THesame thing happened two weeks ago and I had two employees tell me that was a bank error and it happens all the time. They reversed that one. 

I am a single Mom on XXXX. I can not afford this {$72.00} in fees. I am opted out because I do not want to go negative and pay fees.
Consumer complaint received 2021-11-09
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. (MO)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-02-01
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. (OH)

I previously submitted an FTC Report and Police Report for Identity theft for fraudulent accounts listed on my credit report. The following accounts do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

To Whom It May Concern This letter shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2022-08-17
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Experian requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Experian for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX Late Date XX/XX/XXXX
Consumer complaint received 2018-02-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau (TX)

In XX/XX/XXXX I sent validation letters to XXXX XXXX XXXX XXXX in attempt to get VALIDATION not verification of said debts they claim I owe. The response I received back stated " Thank you for your correspondence. Please accept this letter in response. Please allow our company to acknowledge receipt of your request that we cease further communication with you about the above referenced account '. Please also allow our company to acknowledge receipt of your request for our company to verify or provide the validation of the debt. Please allow us to confirm that we have communicated with our client. '' And to today 's date XX/XX/XXXX I have NEVER received any validation of said accounts to my address as I requested from the company. However they continue to list this account on my reports. Validation is forwarding copies of the actual proof of the alleged debt and alleged account. I have received nothing from " XXXX XXXX XXXX, XXXX ''. I need a printed statement from the original creditor that validates the information reported on my Credit report. I have no recollection of such accounts these people claim I owe. What services were done, where did they take place, where is the actual bill of service? The account is reporting incorrectly on my report the company has FAILED to validate the alleged account to me in writing.
Consumer complaint received 2021-02-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC. (FL)

I DECIDED TO REPORT THIS BECAUSE I GUESS THIS IS A NEW FRAUD FROM THE COLLECTION AGENCIES, SINCE LAST YEAR I STARTING TO RECEIVED LETTERS FROM DIFERENT COLLECTION AGENCIES TRYING TO GET MONEY FROM ME WITH ACCOUNTS ALREADY CLOSED AND PAID OFF. 
THIS HAPPEN TO ME WITH FLORIDA HOSPITALS CLOSED ACC ALSO. 
AND TODAY I RECEIVED ANOTHER LETTER AND DECIDED TO CALL THE AGENCIE AND THE PERSON TOLD ME THAT THE ACCOUNT IS CLOSED AND NO DEBT TO WORRY ABOUT AND ALSO SHE TOLD ME THAT THE LETTER WAS OLD BUT GOT THIS DATE XXXX.THE AMOUNT WAS XXXX AND OFFER ME A SETLEMENT OF XXXX THIS ACC WAS CLOSED SINCE XXXX. 
I WAS SO UPSET AND CONCERNED BECAUSE THE TRICK IS THAT THIS COMPANIES OFFER YOU A CERTAIN DISCOUNT PERCENT SO THE PERSON PAY AS SOON THEY RECEIVED THE OFFER WITHOUT VERIFIED THE DEBT, HAPPEN TO ME ONCE ALREADY ; PLEASE TAKE ACTION AND ADVICE THE PUBLIC,
Consumer complaint received 2018-10-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

This collection account by Americollect has been plaguing my report for months saying I owe for 3 accounts. The bureaus are working on investigating and XXXX  and XXXX have deleted 2/3 while  XXXX has claimed they verified. How is this so? I first communicated with Americollect requesting information to validate this debt. They sent me invoices after clearly stating I need to see written proof of this debt or they need to remove the erroneous information post haste. I have sent two certified letters to them with no response
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WI)

I have sent Experian a letter on XX/XX/2020 disputing wrong addresses, phone numbers and employment information. I have attached a file that shows the U.S. Postal Certified Mail receipt as proof and they did not remove the inaccurate information. The following incorrect personal information is listed below : Addresses : XXXX XXXX XXXX XXXX XXXX, WISCONSIN XXXX XXXX XXXX XXXX XXXX XXXX, WISCONSIN XXXX Employment : XXXX XXXX XXXX Phone Numbers : XXXX XXXX I request that Experian remove the inaccurate addresses, phone numbers and employment information listed above, being that I have no association with this information.
Consumer complaint received 2021-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX has notified all three major credit reporting agencies that the bankruptcy thats being unlawfully reported needs to be removed immediately! Ive also called each reporting agency to notify them of this unlawful act and they all have refused to comply with the laws defined in the FCRA! Transunion, XXXX, and XXXX are all civilly liable for violating my consumer rights pursuant 15 usc 1681n! They are violating my right to privacy pursuant 15 usc 1681. And neither have permissible purpose pursuant 15 usc 1681b.
Consumer complaint received 2020-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (SC)

This is a XXXX  account that carried over to a collection bcuz of identity theft. My uncle got un authorized equipment on my account. I told him to get his phone through his factory warrant for his phone not working an he got a bunch of equipment on the account. Due to people there at XXXX. I talked with XXXX about this issue before it went into collection an they said it was nothing they could do. Please help me in this issue.
Consumer complaint received 2020-10-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Conduent Incorporated (OK)

Ive contacted Way2Go on several occasions and they stated there records do not show any mismanagement of funds on my account nor have I been overcharged by several companies. This is completely false and clearly shows that certain companies have credited back their Processing hold on my account. Theres over {$600.00} now being held under processing in which Way2Go, Conduent, refuses to release the hold.
Consumer complaint received 2020-01-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

About 6 uears who in 2014 I had a checking and savings account at the Citibank in XXXX  XXXX, CA. I am a XXXX XXXX and funds from business are sporadic at best. While doing business with that bank, the company - Citibank - decided that they believed that the account was funded by fraud so they were gping to close it and do a full investigation. They said the available funds would be held for 6 months and then I could get it. After 6 months, I come back, and they say that they couldn't find any evidence of fraud from check owners and payouts. The Banker who was helping me, she said that I could not get the money, and that the account was being closed and the money returned because she thought it was fraud even if Citibank corporate fraud team said it was ok.she provided aCcount closure documentation and told me that the account is closed. I needed this money, because I had {$2800.00} available and I had just gone XXXX. That money would have been the security and housing I needed. 

5 years later. I get a letter in the mail tellinge that the same closed account was about to be put in an abandoned status due to inactivity and that I may lose any money on the accou unless I provide a notarized document verifying my id.i called corporate and they told me that the money was notated as having been ready for release or withdrawal 5 years before. During this time, I lost every single piece of property I owned. I was almost XXXX  9 times in 1 year due to issues created by that XXXX. I was targeted by fake law enforcement groups like the " City park rangers '' and XXXX  impersonators. Fake XXXX paid to stay near you and then steal from you all you have. 

I went back a month ago to try to get the funds again. I provided 2 forms of id. I was told that my documentation wasn't sufficient. I would have to go obtain new id documents. ..stll XXXX. They owe me {$2800.00} in actual cash, and more from my hardship since.
Consumer complaint received 2023-01-31
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: Experian Information Solutions Inc. (GA)

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. 
Account name : XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX  Account name : 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 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 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Ive been speaking with XXXX XXXX from the advocate department regarding incorrect information reporting to my credit report. I received a response on XX/XX/2018 and the late payments were updated from 8 to 5 late payments but it was only updated on one report the XXXX report. When Ive been trying to email and ask for a response to have the accounts updated on all of the reports I have heard no response. I have sent multiple emails asking them to update my Experian and XXXX  reports as well and have had no response.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (LA)

LexisNexis is making a fortune selling their services to many company 's as a verification process. so much so that many banks and company 's rely 100 % on this as their only way to verify a customer. I have not been able to pass a verification ever. I have requested reports many times and when I did get them None of the information that is causing me to fail the verifications are on there. I have put out so much effort to fix this issue. It is causing me so much problems and is affecting me financially. For example Today I can not electronically my tax document to be processed before the deadline. My CPA uses a company called XXXX and they only use LexisNexis. So now I will have to get my tax returned Mailed to me so I a manually sign. Then mail them back and that process will take longer than I have. because the Deadline is the XXXX. I also cant ever verify with XXXX. there I have a checking account and savings account and multiple credit cards. I also have home and auto policy 's with them as well. This is getting stupid how horrible this is and I cant get anyone to help me at all. I need real help. A person that understands English has authority to fix my problems.