davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group (MA)

My XXXX XXXX  credit card was charged off and sold to CKS Financial in XX/XX/XXXX. On XX/XX/XXXX I called CKS Financial to see if they offered a settlement to pay the account. At the time, the account was not reporting to the credit reporting agencies. Before I made a payment, I asked the customer service rep if it will report to the credit reporting agencies in the future and she replied no since it was not already reporting. I asked agent if she could send me a letter stating that. I was told after I make the payment, I would receive a letter via email stating it would not report to the credit bureaus upon settlement. On XX/XX/XXXX, I received a document to my email from CKS financial administrator, but it was not a statement saying it would not report to the credit bureaus, instead it looked to be a confirmation of my agreement to debit my checking account and showed my payment amount of {$450.00} and balance {$0.00}. I also received a letter via mail that showed my settlement amount and stated my account was " closed ''. 

6 months later I received a credit monitoring alert I had a " new collection '' on my XXXX credit report. CKS Financial had inserted the settled account on my credit report under the name CKS Prime Investments , LLC and listed the account type as " open account '' and listed the closed date as XX/XX/XXXX. I called CKS in XX/XX/XXXX and spoke to a manager. I disputed the Account being " open '' and the date they were reporting the account closed. The manger told me if I would pay the " difference '' between the charged off amount of {$720.00} and the amount I settled, {$450.00}, She would remove the account from my XXXX report. I declined the offer. CKS never put a dispute remark on my credit report as required by the FCRA. 

When I applied for credit recently, I was denied based on an " open collection '' on my XXXX report. CKS Prime Investments , LLC is the only collection on my credit report, and it says it was updated in XX/XX/XXXX and still says its " open '' with a close date of XX/XX/XXXX. 

This inaccurate reporting and failure to let creditors know I disputed this information has cause me financial harm by preventing me for applying for credit.
Consumer complaint received 2020-01-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (CA)

On XX/XX/20, I contacted BMO Harris Bank via phone to close my checking account that has {$0.00} in it. I was asked to verify my identity, and even though I am 100 % sure I answered all the verification questions correctly, I was told that my identity has to be verified another way. Consequently, I opted to have my identity verified through a text message associated with my phone number. I repeated to the representative the confirmation code I was sent, but again, I was told that I'll have to be verified another way. Now, I'll have to send BMO Harris Bank a copy of a current photo ID that has to be notarized ... .. Seriously, what bank asks for a form of photo ID that has to be notarized. I'm not spending around {$10.00} in order to close a checking account. I demand that my account be closed immediately and sent an apology for having wasted my time because of BMO Harris Bank 's antiquated and ineffective forms of identity verification.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-03
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies regarding identity theft. I have yet to have my dispute resolve or any feedback regarding this matter and its been well over 60 days.
Consumer complaint received 2020-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}, {$8000.00}. 
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 XX/XX/XXXX and the subsequent response received on XX/XX/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. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account.
Consumer complaint received 2020-01-14
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}, {$8000.00}.

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 XX/XX/XXXX and the subsequent response received on XX/XX/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.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account.

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX CO with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account.
Consumer complaint received 2020-01-10
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. (TX)

Contacted Experian in XXXX of XXXX and again In XXXX of XXXX when I noticed a wrong address in which I have NEVER used nor lived at EVER! 
I NEVER gave such an address or permission to use such address which is XXXX XXXX XXXX XXXX XXXX, LA XXXX I want this FALSE address REMOVED from my report. 
Again I have NEVER used or reported such address above I want this FALSE information removed from my report ... I have NEVER given any bank or company permission or such information above This Is NOT my address! Nor has it ever been Experian would not help me and would not remove this false information
Consumer complaint received 2022-12-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Reporting agency is reporting inaccurate information on my credit report and did not properly answer or correct the inaccurate information nor did I receive an alert of accounts being reinvestigation into this matter.Under 15 USC section 1681 i ( a ) if your company can not provide proof of these being accurate with no missing information these accounts should be deleted immediately! These Accounts are not in compliance to Metro 2 standards.Accounts are as follows, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AL)

Equifax is not updating my credit report to reflect the correct information. I will upload information from other credit bureaus to prove that my information is not getting updated in the system. My credit scores are wrong and the last time my information updated was in XXXX which is wrong. I will be reaching out to upgrade to make sure they report my updated information to all bureau, furthermore equifax is showing inaccurate information across the board on their website. XXXX This needs to be corrected immediately. This is unacceptable.
Consumer complaint received 2020-01-10
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: REGIONS FINANCIAL CORPORATION (TX)

XXXX XXXX and Regions should look at this also XXXX  opened up a mobile that never happened had XXXX profile login to my account had FTC violations everywhere from banks, lenders late payment and who know what else I'm no cyber hacker to figure that out I'll LET FTC figure that out themselves Loss XXXX from XXXX XXXX Regions XXXX XXXX  XXXX  name goes on and on
Consumer complaint received 2020-01-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

OPENED AN ACCOUNT OF THE XXXX CONSUMER COMPANY FRAUDULENTLY ALREADY DISPUTED THIS MULTIPLE TIMES ACCOUNT WITH THE CREDIT AGENCIES AND TO A NOT REMOVED THIS ACCOUNT .. I REQUESTED THIS REPORT TO PROCEED TO REMOVE THIS ACCOUNT
Consumer complaint received 2022-02-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES that are inaccurate. Please remove the negative items from my credit report immediately.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

There are 4 XXXX XXXX XXXX error 30 day late payments reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which need to be updated to on time. Due to XXXX XXXX Error payments were made on time.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX is in violation of multiple laws set forth by XXXX in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX  XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX  XXXX XXXX shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( XXXX, XXXX and Equifax ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX  XXXX XXXX can not collect on a XXXX debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or XXXX off is XXXX. The reporting of this account as a debt is inaccurate. I never received a XXXX from XXXX XXXX XXXXXXXX for the cancelled debt in order to file as ordinary income. Where is my XXXX XXXX XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS. This is unsatisfactory! XXXX XXXXXXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX terms and conditions they agreed not to share my information with non-affiliates. XXXX, XXXX and Equifax are not an affiliate of XXXX XXXX  XXXX nor are they bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MN)

I placed a freeze on my credit report with Experian in fall of 2019 but I changed my mind a few weeks later and attempted removing the freeze without success. I tried calling multiple times but the process will not accept the requested information and there is no option to speak with a life representative. I have written Experian a few weeks ago requesting them to unfreeze my credit report and still no response from them. I am not able to access my Experian credit report nor can any other entity because it is frozen. 

I am more than frustrated and considering legal action if that is the only way to get Experian to unfreeze my account. 

Any assistance is greatly appreciated.
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (NC)

XX/XX/ I was charged overdraft fees due to some charges that hit my account. 
I contacted Truist in order to figure out how to avoid overdraft in the future and if I could set my card up where I did not get charged if I did not have any money in my account since I had shut down my business temporarily and did not have any money coming in. They instructed me to avoid charges to my debit card, to use the card controls feature, in which I can Lock my debit card from charges, which I did so on XXXX XXXX XXXX 

Truist fraudulently allowed merchants to continue to charge my account using the debit card that was locked. I was notified on XXXX XXXX XXXX via email that I had overdraft fees of {$72.00} ( {$36.00} dollars each ). I assumed that no charges would hit my account since XX/XX/, since my card was supposed to be locked via card controls. 

I was lied to by Truist employees that the only way to not be charged was to use the lock my debit card feature in card controls. If I would have known that it was going to be continually charged on my debit card, I would have just closed the account and waited until a later date to open another business bank account, since I was temporarily shutting down my business.
Consumer complaint received 2020-01-14
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}, {$1000.00}, {$2000.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.
Consumer complaint received 2018-10-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

On XX/XX/2018 I went into the branch of Bank of America located at XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX I was seeking to remove NSF feature from my bank account. If I do not have money in my account, I do not want the bank to pay anything. First of all my voice is loud and many people can mistake this to anger or raising of my temperment. The customer service rep for some reason sent my request to the Branch manager. In trying to explain my request, the Manager accused me of being angry. I raised my finger to make a point, & she yelled at me to stop pointing my finger at her. Banks are customer service bussinesses & this Manager proved that she lacks the skills to interact with upset customers, she was so unhelpful, that I left without my request being met. She was very happy to hand me a card with her Boss 's name on it.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

In 2019 I was forced to file bankruptcy on a company that i own, XXXX XXXX XXXX 's XXXX, XXXX. The XXXX filed for a XXXX XXXX XXXX  bankruptcy. Then for some reason, my attorney filed for me personally as well. He did this by mistake because he did not have to do this. The trustee, dismissed this and advised me that i only needed to file for the business, not personal. So i should not have a personal bankruptcy on my credit reports through the XXXX bureaus. Only XXXX XXXX 's XXXX, XXXX, should have the bankruptcy filed.