davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: LAKE MICHIGAN CREDIT UNION (MI)

Subject : Complaint Regarding Account Opening Process at XXXX XXXX XXXX XXXX XXXX, MI Branch On XX/XX/XXXX  I spoke with the representative emailing all the necessary documentation, including an Employer Identification Number ( EIN ), articles of organization, and my identity documents, as an alternative to a Social Security Number ( SSN ). I expected to proceed with the account opening smoothly, but to my surprise, the representative went into default refusing to fill out a Form P1 ( Reasonable cause for not obtaining a payee number ) and requested a Social Security Number. This request caught me off guard as I was under the impression that providing an EIN, along with the other requisite documents, would suffice. 

My concern arises from the misunderstanding that occurred during this interaction. It is essential to clarify that while bank staff may request a Social Security Number, they are not mandated to obtain one. The distinction between requesting and requiring such information is crucial. In cases where a banker wishes to demonstrate their effort to collect a Social Security Number, Form P1 should be utilized, as it serves as a reasonable cause form. This form is designed to protect banking staff and ensure compliance with relevant regulations. 

I strongly believe that the bank staff XXXX XXXX and branch manager XXXX XXXX at the XXXX, MI XXXX should be well-informed about Form P1 and its purpose, as it plays a vital role in protecting both customers and the institution itself. By utilizing Form P1, clients can attest to the fact that the bank requested their Social Security Number but it was not provided. This procedure aligns with the provisions outlined in XXXX XXXX XXXX and Treasury Regulation XXXX ( c ), which allow for the waiver of penalties in such cases. 

I kindly request that you address this issue promptly and ensure that your staff at the XXXX, MI branch is educated on the proper application of Form P1 and the difference between requesting and requiring a Social Security Number for account opening. It is crucial to provide a more transparent and efficient process for customers who may not possess an SSN but have valid alternatives, such as an EIN, as recognized by the relevant regulations.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I submitted a previous complaint to XXXX, XXXX, and Experian to delete inaccurate information on my credit report that was fraudulently initiated. I requested for the information to be deleted and blocked, however XXXX failed to completely comply. I was a victim of an XXXX data breach which I previously submitted proof regarding. I also was a victim of identity theft when personal documents including my social security card and birth certificate but not limited to were stolen. My previous complaint ID 's are XXXX, and XXXX. I am now again submitting a complaint to have all items I listed deleted and blocked with a police report as proof. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all need to be deleted and blocked. I'm also requesting punitive and statutory damages of {$1000.00} each for all violations currently still listed on my report and for the information that was removed from my last complaint.
Consumer complaint received 2022-08-29
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: Experian Information Solutions Inc. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-18
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. (TX)

I am sending this request that the account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX Balance : {$3000.00}
Consumer complaint received 2022-02-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have no idea what is going on over there at the CFPB. I have always made my payments on time. For some reason, I realized that there were 30 days late on this account on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX to XXXX, XXXX and XXXX, XXXX, XXXX, XXXX, also 60 days late on this account on XXXX, XXXX. I have read enough to understand my rights. The Experian Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from these accounts. Below are the accounts with erroneous information and Id like remedied ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-20
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. (GA)

I have a charge-off reporting on my credit file with XXXX. I have disputed the account as it is not mine and can not be verified as such twice, through there online dispute system. Both times they completed their investigation, I was told the account was " verified '' accurate and that it would remain on my credit file. So I decided to dispute via mail this time, I mailed my letter and identify verifying documents XX/XX/2020, and today XX/XX/2020, I received an update via email saying my dispute was resolved and the again the account was found to be verified. In each of my credit dispute letters, I have demanded to be shown an original contract stating that I established the account in question. They have not provided saif information and have not deleted the unverified account.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc. (CA)

Self Financial, an XXXX, TX credit repair firm, has taken a total of {$900.00} in unauthorized withdrawals from my checking account in the past few days. I DO NOT have an account with this firm, nor have I ever had any business with them. However, they did this same thing to me last year, to the tune of {$1200.00}. It took filing a fraud report with my bank to get the money back, and that took over a month. In the ensuing time, I incurred overdraft fees and had to scramble to find money. Until that happened, I had never even heard of Self Financial. The same thing is happening now. The company 's phone system will not let you speak to a representative until you enter your account number, so as a non-customer, I can't talk to anyone. I'm at the mercy of their email system ( XXXX ). I emailed them about the problem Friday, XX/XX/XXXX, but haven't heard anything. 

The amounts and dates of Self 's unauthorized withdrawals are : XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$250.00}
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have contact all credit bureaus and submitted disputes and nothing gets fixed I called the company of the inquiry and they tell me they never ran my credit I need this addressed. Multiple disputes I've placed and nothing gets resolved with credit bureau.
Consumer complaint received 2017-08-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Perfection Collection (MD)

On XX/XX/XXXX, I received an alert from XXXX that a collection account was listed on one of my credit reports by Perfection Collection in the amount of {$4000.00}. On XX/XX/XXXX, I submitted a dispute with the Better Business Bureau requesting that Perfection remove the trade line from my report because they are not licensed to collection debts in the state of Maryland ( verification is attached ). This company is not lawfully able to collection on this alleged debt from XXXX.
Consumer complaint received 2022-08-29
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. (SC)

In accordance with the Fair Credit Reporting AcXXXX XXXX XXXXXXXX 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. 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (CA)

Fraudulent Charge Amount : XXXX Date Transaction/Time : XX/XX/2023 -- XXXX My card was used at a auto dealership in XXXX XXXX florida XXXX I am currently located in XXXX California, I am not consenting to the charges, I do not agree with the charges, I did not make the charges. I have made attempts to rectify this matter with chime about this matter, I have provided chime with supporting documents, along with a police report that I filed. Chime has failed to return the funds, I have past due car payments, past due auto insurance, past due cellphone bill, and credit card payments, I am accumulating late fees, and also facing cancelation. Chime has not been communicating and not willing to return the funds back in a timely manner.
Consumer complaint received 2023-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc. (TX)

I am unlawfully being billed/ sent to collections for a debt I did not authorize from XXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX. My social security was never used in said agreement sent to me and the original email sent had the incorrect address addressed to my name. I have reported identity theft with XXXX XXXX Police department in XXXX as the result of a car theft which is also on record. Ive also reported identity theft with my bank with FTC ( XXXX ) in XXXX which could also be a reason why my information is being illegally used.
Consumer complaint received 2023-06-21
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. (FL)

I have a credit card account on my report that is not mine. I have never ever applied nor received a credit card in my name. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: KEYCORP (TX)

On XX/XX/XXXX, I imitated to add an external bank account to transfer in funds via ACH. Bank sent trial deposits for verification. Trial deposits were in account next day but I was unable to verify on XXXX XXXX website for 5 business days. Bank claimed they need to wait for funds to come back to them. After entering verification on XXXX, I initiated two transfers for XX/XX/XXXX for {$25000.00} and XXXX for {$5000.00}. XXXX has a daily limit of XXXX and was unable to do XXXX in one transfer. On XX/XX/XXXX my account became locked and unable to view online. Called bank but was closed all weekend with no option to unlock account. On XXXX called and bank claims they want to verify ownership of external account. Bank will only verify via a statement emailed. Also received a secure email stating a similar request. I told them I have concerns about uploading to their secure email. I asked what their data retention and protections are. They could not provide other than stating they must keep for 7 years according to the Gramm Leach Bliley Act in response to my question. Called after email on XXXX and asked for another option such as calling external bank for verification. As of XXXX, bank has no solution and hasnt unrestricted the account. In the meantime, they processed the other XXXX transfer when they had doubts about ownership. This is irresponsible behavior. Additionally their secure email sever is miconfigured as I receive emails to reset my password at night. Emails says I only have 30 minutes to complete the reset process. At first I thought someone had tried to access my secure email account at the bank, but it appears to be poor configuration. As a result, how can I trust the bank will be responsible with an external bank document to verify my account.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
Consumer complaint received 2022-04-14
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my XXXX  was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Incomm Holdings Inc. (CA)

Someone skimmed my card and started withdrawing funds from multiple ATM machines over two days. On XX/XX/XXXX Twice at a store in XXXX for {$100.00} each and then in XX/XX/XXXX twice again at a Bank XXXX XXXX ATM one for {$180.00} and a second one for {$200.00}. I filled a claim for fraud and it was denied stating that they found no error but I clearly told them it was fraud.
Consumer complaint received 2022-04-11
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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. 
I have not authorized anyone in writing.
Consumer complaint received 2020-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

From XX/XX/2019 til the present Capital One has been charging me fees and interest for purchases as a cash advance. I have spoken to two supervisors and each has conflicting answers and solutions. My credit limit if {$1400.00} and in that amount there is a cash advance allowed for {$400.00}. If I try to exceed the limit I get a denied transaction. SO I do I end up with a {$1400.00} cash advance on my credit card when I haven't gotten that much. I have purchased items from merchants and these transaction have been converted to cash advances instead of credit card purchase transactions. I was told today by a supervisor that merchants can send in code if they so choose to and change purchases to cash advances and I have to pay as such. No way! A purchase is a purchase and cash advance is a cash advance that is why they have different penalties and fees attached to them. The supervisor said that it was up to me to contact these merchants and tell them to bill correctly. Whaaat. Are you kidding me. I have attempt to do a credit card companies job in merchant regulations on billing criteria. I asked again today please go back and separate my purchases and cash advances, which are obvious on my statements transaction history. They say ATM and the others transactions list stores that I bought actual items from and did not receive money back in those purchases. If get denied for over the limit attempts how in the world was a merchant able to override my cash advance limit upto {$1000.00} over.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2022-08-29
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: Experian Information Solutions Inc. (TX)

my credit profile includes many fraud and or non authorized inquires and files that I have no idea how. I am not familiar to a lot of things but all of these accounts I rarely use if any my profile so I can't understand how this happen. 

I attempted to call the bureaus EXPERIAN and XXXX but never was able to speak with anyone and I had no knowledge of the steps to take. 

As I've researched and learned I am now here. 

The following account below are Fraud and need to be removed from my credit profile : XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXXXXXX 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 2020-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IN)

I tried to pay my mortgage payment online at the wells fargo website, in XXXX. I have been paying my mortgage for years at this website. Now I can log on but as soon as I click on mortgage it kick me out. I have talked to many reps from wells. They just give me the run around.