davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (CO)

I opened an account with Wise to facilitate transferring money from friends in several different countries who are all sharing XXXX  accomodations in multiple countries around the world. My account was opened on or about XX/XX/XXXX. My friends ' accounts in the XXXX, XXXX and XXXX were opened around the same time. They transferred about {$1800.00} to my account, but about a week later Wise closed our accounts without explanation. When we protested, they denied our protest and we no longer have access to our accounts or any information as to amounts held or the disposition of the funds. When you attempt to file a complaint, it requires you to log in. This brings up a message saying your account has been closed and there is no further access. This feedback loop continues no matter where you go on the site. To get any specific information or file a complaint requies a log in, which they deny. I finally found a phone number for a US office for Wise and spoke to a customer service person who was unable to tell me anything except that my accont was closed. He provided an email address to contact someone who could help. This week I received a response saying the funds had been returned to the original senders, but no one who sent me money has received any funds back from Wise and neither have I. I don't have any paper documents to share since everything was handled electronically. Their entire operation seems like a huge scam. How do I get my money back from them?
Consumer complaint received 2023-07-12
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 my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file: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 2023-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GLOBAL CREDIT UNION (WA)

As the start of XXXX applied for a loan on line. In touch with a lender approved me the loan but before approval they required to pay insurance of the loan thru purchasing Gift cards by intially sending me the money via mobile deposits to my bank account amounting to $ XXXX. Nothing wrong got into me so followed to them and sent them serial numbers on phone anyways they paid for it. Here comes XXXX day my bank called me and said transactions are shady so from there they hold my account including my debit card without any Access from me and told me the deposits are bogus and told me i was Scammed. So i told them the money i got was only used to get the gift cards, no excess that went to me. Upon conversing with them fraud dept. i told them to stop accepting checks coming in from the Scammers XXXX return it. Until last week received a letter from my bank Global Credit Union that i owe them over $ XXXX Overdraft fees caused by bogus checks continously sent to my bank. This is redicoulous never receive a phone call only daily checks sent by the Scammer thru mail from Global bank. All the while my phone conversation to the fraud dept. they will put a stop on this so i wont incur charges. I am a Victim by a Scammer including my Bank.
Consumer complaint received 2023-07-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUSTMARK CORPORATION (MS)

XX/XX/ my HELOC was suspended and since that period the interest rate has increased from interest only 1 % of balance to 13 % and climbing. My balance is approx {$11000.00} and I have not had available credit since XX/XX/. Since the line has been suspended how can the interest rate continue to increase and I have no access to the line other than making payments. If the line is suspended so should the interest. Please help me get a satisfactory explanation. Thanks
Consumer complaint received 2023-07-11
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I spoke to Bank of America because I noticed through my mobile app that my account was changed from a Savings Account to a Checking account. I also had repeated charges for Insufficient funds since 2021 on this new Checking account. I was not aware that Bank of America converted my Savings account into an another account.
Consumer complaint received 2023-07-12
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. (TX)

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 XXXX : XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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 2017-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (SC)

I recently entered into an income base payment plan with Navient. On  X/XX/17   , I received correspondence from them stating that my application had been accepted, and that my first payment of {$210.00} would be due  X/XX/17   . When I logged on to verify this information, my account was showing up as past due. I contacted the company at least a dozen times to get this corrected.On  XXXX , I spent over two hours on the phone with representatives and supervisors alike who told me they were very sorry for the trouble but were unable to help and that unless I paid the payment of {$720.00}, that my loans would be in default and that the late fees would increase. I confirmed multiple times that this amount would bring me current and that my next payment due would be {$210.00} on  X/XX/17   . I took out a loan and paid the payment   XXXX    . I logged back on to Navient to confirm that my payment was {$0.00}. I took a screen shot. This morning,  X/XX/17   , I logged back into Navient to see if my next payment amount and due date had updated. Now it was showing a payment of {$97.00} due  X/XX/17   . Completely confused, I called them once again. I was told, by a representative and a supervisor, that the payment due was a late fee and that it i actually due on  X/XX/17   . I asked why I was not given that information last week, and why the due date on the website was a month later than the one provided to me on their automated system, and was offered no reasonable explanation. The bottom line is that if I had n't called Navient to explain this charge, I would 've reasonably expected to pay {$97.00} prior to  X/XX/17.  And what would have actually happened, is that I would 've logged on to see more late fees, and a missed payment. Navient has consistently provided false information on their website as well as through their representatives. I have a full time job and children, and not only do n't have the time, but should n't be expected to log on and call Navient daily to make sure I have the most current information regarding amounts and due dates on my loans.
Consumer complaint received 2023-07-12
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. (NC)

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.

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 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (KY)

IKEA promoted a deferred interest plan on the Comenity VISA card. I purchased over {$1000.00} of IKEA merchandise in order to make use of their 12 months deferred interest promotion, as advertised on their website and throughout the store. When applying for the card, the promotion was again mentioned. When I received my first statement in XXXX, I was charged interest. I immediately contacted the company and opened a dispute. Over THREE MONTHS later, I received a physical letter stating that they did not believe the promotion is valid. Since they refuse to honor the promotional terms, I demand they remove the interest charged ( {$89.00} ) from my statement. I will pay the remaining balance and close the card. I was instructed to call into their customer service line and ask for a supervisor, who refused to remove the interest. I have also filed a complaint with the XXXX.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (GA)

I was notified by XXXX XXXX XXXX that I had to complete an Affidavit of Check Fraud by Payee to dispute a cashed check that I/my company never received ( XXXX is XXXX payer & my company is the payee ). 

The affidavit was completed, notarized & submitted in XX/XX/2023. 

I nor XXXX have heard anything about the status of this affidavit or the cashed check. I need this investigation completed so the funds can be returned to XXXX & XXXX can reissue payment to my company.
Consumer complaint received 2023-07-11
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: EQUIFAX, INC. (NM)

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.

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 2023-07-12
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. (SC)

My First & Last name are as follows : [ XXXX XXXX ] My Current Street Address is as follows : [ XXXX XXXX XXXX XXXX, SC XXXX ] After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 

My current address is : [ XXXX XXXX XXXX XXXX, SC XXXX ]
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I sent Specialized loan Servicing 3 monthly payments of XXXX and they were supposed to remodify loan. Then I'm contacted by XXXX XXXX  and they say that it's in default and that there was no record of me paying those amounts. The whole thing is a fraud I never even took the loan out nor did I have any knowledge of it and I never received a XXXX. I've paid thousands of dollars and the loan is still at it's original amount. I've never even seen the loan documents. XXXX XXXX did not have my permission to give anybody a loan. I've been paying on this loan for years because they keep threatening to take my home.This is not uncommon I am discovering why haven't you shut these crooks down. Many innocent people are losing their homes and nothing is being done. What's going on? Furthermore, I never recieved compensation from Specialized Loan Servicing as I am an affected consumer and in 2020 they were ordered to pay out over {$300000.00}.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS Transunion # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2017-04-24
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe (TX)

Accepted a student loan for the spring of   XXXX   on   XXXX   XXXX   XXXX  . All but {$90.00} went towards paying tuition at  XXXX   XXXX   XXXX   XXXX . On   XXXX   XXXX   I withdrew from classes, and moved back to  XXXX , TX. I was told by the college that the money would go back to the loan servicer. Received a letter in   XXXX   XXXX   stating that since I had withdrawn from classes, I needed to pay the student loan that was disbursed, in the amount of {$1800.00}. I never received the full amount, so I called  XXXX  and asked them what the letter was about. I was told to ignore it, as it had been sent in error, and they could see that my loans were in good standing, as I have consistently made payments each month. In   XXXX   XXXX  , I received another letter stating that this account was going to go to collections, and that I needed to pay it in full immediately. I called again, and was told I needed to fill out a loan discharge packet. I sent this in   XXXX   XXXX   and was told that they had received the information, and they were going to discharge the loan. However, it was still on there in  XXXX , and subsequent calls to the   XXXX   XXXX   XXXX   did not produce the same response. They acted as if I had never sent in a discharge form or packet of information. They marked me as late on making payments in   XXXX   XXXX   despite me making a timely payment. So I sent another  XXXX . I then called the collections company to see if they had received the information, and they said no, so I sent them a copy as well. I was told I would hear back from them in a couple weeks. A couple weeks went by, and no calls. All negative items are still on my credit reports. Called the Department of Education on  XX/XX/XXXX , and they said they are still reviewing the information, and I should hear back in a week.
Consumer complaint received 2023-07-12
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. (TX)

I have been a Victim of a data breach Someone used my personal information to open several fraudulent accounts in my name. 
The following accounts are fraudulent XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, Someone also filed XXXX fraudulent bankruptcies in my name. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX And Someone used several fraudulent address in my name also XXXX XXXX XXXX XXXX, ga XXXX, XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX ga XXXX
Consumer complaint received 2023-07-11
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: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX.
Consumer complaint received 2023-07-12
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2023-07-12
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: Security Credit Services, LLC (GA)

I am not liable for this debt with the listed company, I do not have a contract with the collection agency reporting to my credit report. They did not provide me with the original contract that should have been provided. I demand this account be removed from my credit report.