davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MORGAN STANLEY & CO. LLC (NJ)

My beloved wife XXXX and I each received a XXXX  letter from Morgan Stanley advising each of us that our accounts with Morgan Stanley were breached and that our Social Security numbers were stolen! 

Morgan Stanley conveniently does not tell us why our accounts were breached despite the repeated assurances that breaking our accounts is impossible because Morgan Stanley has in place sufficient security protections to prevent this from happening. 

Claptrap! Morgan Stanley did not take the precautions necessary to protect our accounts. And I dare so the accounts of huge numbers of other people. 

Just last week my beloved wife received an anonymous telephone call inquiring about her Social Security number. She hung up. 

Morgan Stanley knows XXXX well that our Social Security numbers and those of a huge number of people were stolen. 

Morgan Stanley is trying to convince the public that it did everything it could to protect accounts and that all is well. But all is not well as aforementioned! 

Morgan Stanley should be and must be brought to task for this deception, this misrepresentation, and this incompetence! Period! 

But Morgan Stanley is rich and has an army of well paid attorneys and public relations/customer relations/marketing people to pull the wool over our eyes and those of the public! 

Morgan Stanley should be heavily fined!
Consumer complaint received 2023-07-13
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)

There is inquires that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted.
Consumer complaint received 2024-01-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Asset Recovery LLC (NJ)

Have repeatedly contacted this billing company to get them to bill medicare as the secondary insurer, not primary. Was told it was a surprise bill by XXXX and we did not need to pay any of it. It was a coordination of benefits XXXX  between XXXX and medicare as they billed medicare as primary and both refused to pay. I fixed the medicare end and they rebilled XXXX and collected over {$130.00} contracted part of the bill. I keep calling their billing office and telling them to bill medicare. They do not know what they are doing and have sent me 6 bills already. I could have ignored it as a surprise bill, but I worked to get them paid. I paid premiums to Medicare Part B and husband 's XXXX for over {$1000.00} per month. They need to bill Medicare. NOW THEY HAVE PUT ME INTO COLLECTIONS with Quality Asset Recovery LLC.
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

Synchrony is a bank that lends primarily to those who take advantage of zero interest accounts for large purchases. I have recently had XXXX accounts closed with them that have such balances AND I have been in good standing all of them. I have never missed a payment, but they dictate that I have a high proportion of balances and therefore not considered a good risk.

This is also part of their long game when they lower the available credit limit on the amount they initial approve you for AND they also use the recalculated XXXX score that was made by their lowering of the credit limit. 

It's unfair to approve someone for an entire amount, they agree to the terms of zero percent for financing the purchase ( often the purchase amount is higher because of the merchant fee they charge ) and then charge interest now for saying the account is in default on an account they closed when the account was in good standing to begin with. 

I do feel this would violate areas of Regulation B.
Consumer complaint received 2023-07-08
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. (LA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: C.Tech Collections, Inc. (NY)

I have prevuosly submitted a cease and desist on XX/XX/XXXX with a statement to this company, along with information indicating that this bill was settled with the Creditor on that same day. 

I was sent another letter dated XX/XX/2023 trying to collect this amount. This is 2 violations of the FDCPA for failing to cease communications and misrepresentation of the status of the debt. This was an obvious attempt to collect money not owed.
Consumer complaint received 2022-11-08
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

On XX/XX/2024 at approximately XXXX, A company called stating that they were my bank account, Citizens and that someone was trying to make a purchase in XXXX XXXX of {$990.00}. They wanted my personal information including my social security and etc. which I believed. After calling Citizens Bank, myself, they have confirmed it was a scam to open up credit cards. 

XX/XX/2024 : at XXXX, The same number that scammed me called again. 
They not only call my landline but my cell phone as well. 

The numbers show up on the caller ID as : XXXX number Phone number : XXXX And XXXX
Consumer complaint received 2022-11-08
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (LA)

Several attempts were made to withdraw money from my account. My bank failed to flag the unauthorized transactions until after the fact. Over {$500.00} was taken, I had to wait til the transaction was finished processing before I could dispute the transaction. A dispute was filed, and an investigation is pending. There needs to be a higher level of security
Consumer complaint received 2022-11-08
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. (KY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and 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
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (FL)

I CONTACTED CHECKR ASKING THEM TO UPDATE MY BACKGROUND CHECK WITH XXXX, AND XXXX REPORTED TO ME THAT CHECKR HAS NEVER UPDATED MY BACKGROUND CHECK ERROR WITH THEM.
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CULLEN/FROST BANKERS, INC. (TX)

Today, I got an account statement in the Mail from Frost Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I was Frightened. 

I never signed up with the bank or opened an account under my name. 

So, I then preceded to call the Frost bank and XXXX XXXX XXXX XXXX XXXX XXXX XXXX answered the phone. 

I began to tell her Im not a client of the bank and someone has forged my name and opened an account. 

I ask her to close it. Yet, she angrly refused to cooperate and close a fraud account under my name. 

She said, no, I wouldnt. 

Im very concerned about the ethics of her and the bank.

Can you please get my fraud accountant closed at Frost Bank?
Consumer complaint received 2022-11-08
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. (AL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXK XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am writing to formally lodge a complaint against Capital One concerning recent actions taken on my credit account, which I believe may constitute a violation of the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691. The XXXX ensures that all consumers are given an equal chance to obtain credit, without discrimination on the basis of race, XXXX, religion, national origin, XXXX, marital status, age, or because all or part of an individual 's income derives from any public assistance program. 

I was recently a victim of identity theft, a situation which was resolved appropriately and in a timely manner. Following this, I applied for a Capital One credit card and was pleased to be approved, given my diligent efforts to maintain a credit score in the XXXX, which typically reflects responsible credit management. 

However, my satisfaction was short-lived as my account was soon restricted and I was requested to provide additional information for verification purposes. I complied promptly with this request. Subsequently, my account was restricted once again, and I was informed that further documentation was needed. I honored this request promptly and diligently, providing all necessary documentation as required. 

Despite my compliance and the provision of all requested information, it has now been over 10 days without any response from Capital One. Currently, my account remains deactivated, rendering me unable to activate and utilize my credit card. This situation is not only inconvenient but also concerning, as it appears to be an unjustified and potentially discriminatory impediment to my access to credit. 

I believe this treatment may violate the provisions of the Equal Credit Opportunity Act, as it seems to unjustly deny me the opportunity to extend my credit. This is particularly perplexing given my strong credit standing, which should theoretically facilitate smooth financial transactions and services. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter to ensure that my rights, as well as the rights of others who may find themselves in similar situations, are protected. I am willing to provide any additional information or documentation that may be required as part of this investigation.
Consumer complaint received 2022-11-08
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. (DC)

Privacy and Confidentiality under 15 USC 1681 XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX- XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XXXX ; XXXX XXXX XXXX XXXX ; XXXX 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 an 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 2022-11-08
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. (AL)

I submitted my ID and SS Card that showcases my name, DOB & SSN. I requested that the credit bureaus update my name correctly as it was showing incorrect on my profile and remove multiple fraudulent accounts from my credit profile due to identity theft. The credit bureaus updated my name only and did not remove the fraudulent accounts and I provided them with police reports and identity theft reports from identitytheft.gov I have been trying to get this issue resolved for more than 6 months. They file disputes and then give the companies my current address and say they verified to be correct. The companies then send documents to me in the mail that has a different name XXXX XXXX. My name is not XXXX XXXX. My name is XXXX XXXX XXXX. XXXX XXXX XXXX has not contracts or accounts with any of these companies. I provided them with all documents. XXXX has corrected and blocked this information. 

XXXX will not remove the fraudulent names, addresses or accounts from credit file. 

Transunion removed the fraudulent names but will not remove the fraudulent accounts. 

They will not provide information to me on how they are verifying these accounts how are they submitting disputes on accounts with my name XXXX XXXX XXXX and the accounts coming back verified to a XXXX XXXX. These are two different individuals and is identity theft.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have not been able to log into my accounts for over 3 weeks. I have called customer support 7 times and have spoken to supervisors 3 times but still can not get an answer to my problem other than this is an ongoing problem with them. Also I went to the local branch to speak to a manager and they were no help and have no answers. I can see a temporary problem due to a software issue but not 3 weeks and no results. Very poor customer service!
Consumer complaint received 2024-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Last month, I encountered a significant issue after making a transfer request from my Bank of America account to my account ( under the exact same company name and address ) at XXXX XXXX. Unfortunately, the transfer was canceled, and subsequently, my Bank of America account was blocked. This has left me without access to my online banking at a critical time, as I urgently needed to make a mortgage payment of {$3500.00} the next from XXXX. 

Regrettably, I have not received any communication from Bank of America regarding the blocking of my account. There were no emails or calls explaining the situation or providing guidance on how to resolve this matter. It was only when I attempted to use my account that I discovered the issue. I promptly contacted Bank of America customer service for assistance, but I regret to inform you that my experience was far from satisfactory. 

Over the course of three hours ( 3 times! ), the customer service representatives were unable to offer a solution. Despite my request, they were unable to send me an SMS for confirmation, leaving me with no alternative means of accessing my account. The only suggestion provided was to visit a bank branch in person. This is not a viable solution for me, as I am an XXXX XXXX  and will only be next in the US in XXXX, and especially given the multitude of secure authentication methods available in today 's digital age. 

I understand that security measures are crucial, but the lack of communication and the inability to provide a timely solution have left me in a challenging situation. I was unable to make a timely mortgage payment, and the urgency of this matter can not be overstated. And it was by Bank of America, as the Manager of my branch XXXX XXXX ignores my emails and via phone and just hang up now. A formal complaint was raised in one of the calls and no response from the bank received at ALL! 

I kindly request immediate attention to this issue and ask for assistance in resolving it at the earliest convenience. I believe there must be alternative methods to authenticate my identity and unblock my account promptly, allowing me to fulfill my financial obligations without further delay. This has blocked my XXXX dollars with BofA and my XXXX secured credit card. That is illegal to withhold money without any reason, even with all my attempts to unlock the account.