davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC (NY)

I login in and see my account is frozen and that I need to call account activations. I already had an active account. I had very little i the account and when i received interest I tried to withdraw that amount to a verified external account at customers bank. I had 3 accounts at customers bank. The account I had saved was closed by the bank because they have newer better online accounts. Simple easy mistake. The {$50.00} was returned to my account. I believe this is the reason frozen. Etrade does not send any formal letters telling me account is frozen and why. I ask for their policies and they do not provide that as well. I was told that only a 3 way call was needed to verify my bank accounts. Not sure why but this step has never been completed. When I call again and again and after long hold times Im told a different answer each day. I need to provide my license and social security card. I am not send my security card anywhere. It hasnt moved from its safe in over 20 years. Them im told i need to write a letter? Stating what i do not know. Them im told just a copy of my license. Which I have sent 4 times and a fifth after this complaint. Im told its illegible. What does that even mean? I never get any follow calls emails nothing. I feel like this company is using illegal practices and trying to aquire my funds. I have never bounced a check but its like bouncing a check or maybe not even because the money was returned to my account from a transaction that i made not a stranger. Im not sure why account is frozen but there should aslo be a deadline for banks. Have them send a check to me the owner on file and ill be done with this company.
Consumer complaint received 2023-04-07
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. (FL)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. 
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thank you.
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian. My credit card balances are incorrect for 2 months. I contacted Experian XX/XX/19. Customer service representative said it was the credit card responsibility to provide the information. The credit Card company, XXXX said it's Experian, XXXX and XXXX   responsbility. My credit is down to 30 % from 95 %, but still shows 95 %. I want to lease a car, but can not with my terrible credit score.

TransUnion. I tried to speak to someone to make corrections, but got disconnected. Also on XX/XX/2019.
Consumer complaint received 2023-04-07
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. (FL)

when i received transUnions credit report that i did not ask for in my complaint about a new address that i never lived at nor changed my address to show up on my report i noticed that they have 2 other addresses that i have previously reported to them that I never lived at. yet they never removed them from my credit report. they also have not removed the address i filed the complaint about last month nor did they tell me who reported that to them that i was now living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i need to know who reported this address so i can address it with the company that reprted me being at this address. 

they also list two other address in XXXX that are incorrect and they have been notified in the XXXX 's that these were incorrect. there errors have caused me nothing but headaches as the state of florida uses transunion as part of there verification process when you try to get a replacement drivers licenses. those two address are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX How many times to i have to request that transunion delete addresses that i have never lived at before they are required to delete the information. 

How many times do i have to request who reported an address in XXXX XXXX for me in XXXXXXXX XXXX XXXXXXXX before they provide the information. 

the only correct address on my credit report are the XXXX XXXX XXXX XXXX address as i gave up the Post office box XXXXyears ago. why is transunion allowed to stay in business when they do not follow federal law and remove addresses that they have been advised are incorrect?
Consumer complaint received 2018-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

This is related to claim # XXXX that I submitted against XXXX XXXX. 

I posted a bed on XXXX to sell for {$700.00}. This person contacted me via a XXXX  email account and provided a cell phone number to contact them with : XXXX. The deal was that he was going to mail me a check, and I would cash the check. Once the check cleared, he would set up movers to come pick up the bed. He told me that I had to pay the movers for him, so the check he would be sending was for more money then how much the bed costed. I assumed that meant I would pay them in cash. He said he could not come see the bed in person because " he was at distance '' ( he spoke in broken english ). The check was sent using the USPS, tracking # XXXX. Sent from XXXX XXXX, at XXXX XXXX XXXX, XXXX, PA XXXX. It arrived on Monday XX/XX/XXXX. It was a cashiers check from the XXXX XXXX XXXX for {$2200.00}, and appeared to be real. I deposited it using my XXXX Mobile app, by taking a picture. XXXX then emailed me that night saying " my deposit had been accepted ''. The funds were made available immediately in my account, so obviously i assumed that meant it had cashed. Then, the person told me that to pay the movers, I had to wire the money to them using XXXX. He told me to wire {$1400.00} to XXXX. My bank, XXXX, uses XXXX for XXXX XXXX XXXX, so I trusted the service and used it. I wired the money and he told me that the movers would come pick up the bed that night. When the money did not arrive right away, he also told me to try wiring it to " XXXX XXXX '', at XXXX. The movers never came, the person stopped responding to me, and then XXXX put a " hold '' on my account for {$2200.00}. It turned out the check was a fraud, but it was too late, I had already wired {$1400.00} to that email address. When I reached out to XXXX to file a claim for fraud they told me there was nothing they could do because I was the one who deposited a fake check and I was the one who wired the money. It was the perfect scam. XXXX has zero consumer protections in place and doesn't even help you if you used it through your bank, they just refer you to your bank customer service. This article confirms that what happened to me has happened to countless others : XXXX XXXX XXXX XXXX/ Summary of evidence : 1. Phone Number : XXXX 2. Names : XXXX XXXX and XXXX XXXX 3. Emails : XXXX, XXXX 4. USPS Tracking # : XXXX 5. Bank : XXXX XXXX XXXX, XXXX, XXXX
Consumer complaint received 2019-04-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance Collection Agencies, Inc. (WI)

On my credit report, I have 2 medical bills that were reported to the collections account named " ALLIANCE COLLECTION AG ''. The 1st one was from original creditor " XXXX XXXX XXXX XXXX '' for the amount of {$360.00} ( opened XX/XX/XXXX ) and was sent to collections and reported on XX/XX/XXXX. The 2nd was from original creditor " XXXX XXXX XXXX '' for the amount of {$75.00} ( opened XX/XX/XXXX ), also sent to collections and reported on XX/XX/XXXX. After reviewing my credit report, I IMMEDIATELY took action and called Alliance Collection Agency to make full payment and resolve the collections. We had worked out a deal and agreed that they would remove them once paid, and they have failed to fulfill their side. I paid BOTH of the collection amounts in FULL within 48 hours. It is crucial to have these removed from my credit report because it is prohibiting me from getting funding. As I have fulfilled my part of the deal and fully paid off my accounts, I would like the collections immediately removed from my credit report, as they have failed to do so.
Consumer complaint received 2019-05-08
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: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND HAVE IDENTIFIED AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED MASSIVE HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AT YOUR EARLIEST CONVENIENCE.
Consumer complaint received 2024-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (GA)

I sent a {$500.00} deposit for a used vehicle being sold for {$1500.00} to put in hold till I could come and get it. After sending funds the individual stated someone else paid more and I would need to send an additional {$200.00} to secure the vehicle. I asked for my money back because I would not send more. He has not refunded my money and is still asking for more.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX All of XXXX, vehicle finance managers are requesting co-signer based on the credit report negative deficiencies inaccuracies. 

The XXXX XXXX is showing negative, inaccurate lien holder, lack of increase of credit score. A XXXX XXXX XXXX and a van is a positive credit history, non-report, and depleted. All collections accounts are under a hardship program for me which does not show in the credit reports. A loan for {$56000.00}, {$27000.00}, {$36000.00}, and {$22000.00} school name is XXXX consolidation does not match outstanding balance or loan amounts. Because of all of these deficiencies, there is no brace or aid that will suffice all The ruins on my credit report. 

To resolve, I dont want my name and character to be ruined or denied. I dont want creditors to deny cause of that info in my report. 

Please get back with me in 7 days or by the XXXX for a resolution change in credit report account information to meet creditors needs. 

Thank you, XXXX XXXX
Consumer complaint received 2023-06-13
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

There were multiple unauthorized automatic debits from my account that were unauthorized. Also, the merchant didn't complete the work that was paid for initially and forced me to hire another company. My bank stated that they didn't owe me anything back because they provided service to me.
Consumer complaint received 2023-01-27
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)

Hi, I am a natural, living human. XXXX is governed by 15 USC 1681. I have rights under 15 USC 1681 to protect and receive. XXXX has violated my rights. I respectfully demand the account listed below be removed because I have the right to privacy, and I did not give XXXX written permission to furnish these accounts, nor did I provide XXXX in writing that they could share my credit report, or provide my credit report to XXXX XXXX XXXXXXXX ( Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). A company I have never heard of, nor have completed any business dealings with.
Consumer complaint received 2021-05-10
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, I have tried to get in touch with XXXX XXXX repeatedly about this situation. They are currently reporting two accounts on my Credit Report without verifying my information like I have asked them to do. I have sent multiple letters asking for verification of any contracts bearing my signature and they have failed to provide that proof. They continue to " verify '' my account with the credit bureaus but have failed to share the documents that they are verifying these accounts with.
Consumer complaint received 2019-04-05
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. (MO)

Through Experian, it shows an account to be closed, that I am not making payments, and that I owe $ 6,000+ on the account. While that was true at one point, for nearly three months now, I have made on time payments, the account is open and in good standing, and I owe {$5000.00}. I provided Experian with the paperwork from the company which reported this, which shows this new information. Experian says they will keep my report the same, even after providing documents proving my new status.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my consumer report. 
I have recently reviewed my consumer report and noticed some unauthorized accounts and in violation of 15 U.S. Code 1681 ( a ) ( 3 ) you guys assumed this role without my permission and you DID NOT have my consent. You guys did not respect my right to privacy which is under 15 U.S. Code 1681 ( a ) ( 4 ). You did not exercise your grave responsibility at all and you were unfair and partial. I have already taken the liberty to file a CFPB report and an Attorney General complaint. You were never given permissible purpose Under 15 U.S. Code 1681b ( a ) ( 2 ). I never instructed you guys to furnish this report and I never consented to this report in the first place, What I am demanding right now is that you guys delete all of these accounts listed below off of my report immediately.

I would like to state pursuant to 15 U.S. Code 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system.

According to my written instructions which I have full authority to give you under my rights as a natural person/consumer pursuant to 15 U.S Code 1681b ( a ) ( 2 ) I am exercising my right and I demand these inaccurate accounts be deleted immediately. Willful noncompliance by your company will result in me seeking legal action. 

WRITTEN INSTRUCTION DELETE FOLLOWING ACCOUNTS ( Dept Of EducationXXXX XXXX XXXX XXXX )
Consumer complaint received 2019-04-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Trust Management LLC (CA)

Please find attached two phone calls ( XX/XX/2019 and XX/XX/2019 ) that I have received from Global Management Trust LLC using pre-recorded automated messages on the voicemail of my cellular telephone, a violation of TCPA 1991. The repetitive calls and failure to give a mini Miranda are also a  violation of The Fair Debt Collections Practices Act. The TCPA entitles me to {$1500.00} per phone call individually speaking and {$1000.00} under FDCPA in statutory damages alone plus my attorney fees, and actual damages if any.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In Accordance with the FCRA, XXXX XXXX Account # XXXX and XXXXXXXX XXXX Account # XXXX violated my rights. 

Law 15 USC 1681 section 602 A. States I have the right to privacy.

Law USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without written consent, which I have not given.

Law 15 USC 166b. Staes a creditor may not treat a payment on a credit card aaccount under an open en consumer credit card plan as late for any reason.

Law USC 6802 Obligations with respect to disclosures of personal information.
Consumer complaint received 2023-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CO)

My mortgage was transferred to Mr. Cooper starting XXXX XXXX. On XXXX XXXX, the auto draft and an extra payment of {$1900.00} was pending in my bank and with Mr. Cooper. I did not set up the new acct with Mr. Cooper till XX/XX/XXXX. Upon getting into my acct., I noticed that an extra payment was made, not by me, and that it was drafting out of my acct. I called Mr. Cooper and asked about it. I spoke with XXXX XXXX, she accused me of being the one that made the payment on XX/XX/XXXX. After going back and forth, she said that if it wasn't me then it was fraud. I agreed to launch a fraud investigation into this matter. I could not have made the payment online when I did not create my account till XX/XX/XXXX. They told me to wait till the payment has cleared and then they will refund the error. I asked, what if the funds are not there to draft? Then I will be getting a XXXX  and over draft fee as well. She argued more with me and continued to say that it was my fault or fraud. If I say it was me then they will not launch an investigation, if I say I didn't make the payment then they will send it to the fraud dept. I asked how it is fraud when it was paid from my bank to my mort. She said because I am saying I am not the one that made the payment. I was sent to the escalation manager and told the same thing. This phone call lasted 45 min. 
I then did on line chat on XX/XX/XXXX. I asked to be kept in the loop about the investigation into why this happened. XXXX said they will keep me in the loop via email. I then called the number XXXX gave me to speak to the payment dept. I noticed that the payment had now cleared. I called the number and spoke with XXXX to help me with the refund. She did get the refund going back to me since it had cleared my bank. I then asked her how the investigation was going. She noted that their is not one. I explained to her my phone call the day prior. She confirmed my story in her notes but no investigation had been launched. She then set one up and sent it to the correct dept. 
With in an hour or so later, XXXX called back and said they looked into it and found out it was an inhouse error. When the loan transferred something happened and it double dipped my payment. This clarifies that XXXX did not know what she was doing, did not look into my issue or report the fraud and was so rude and frustrating.
Consumer complaint received 2023-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC (NY)

My complaint selene finance refuses to put me on a repayment plan or loan modification I had got a letter prior saying that they got my information and that I had to remove the security freeze off my XXXX report and then I got another letter dated XX/XX/23 stating that my loan modification was denied because they didn't receive all the required documents I think they made any error here the person that denied me was XXXX XXXX he did this on purpose and act like he didn't receive the documents I have copies of both letters saying that they received everything and to remove security freeze. They mislead me. I'm requesting a appeal and to reconsider and new point of contact I don't have time for XXXX.
Consumer complaint received 2019-04-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: STERLING JEWELERS, INC. (IL)

On Tuesday XX/XX/2019 I received a vm from XXXX XXXX XXXX. I returned the call and spoke with XXXX at XXXX. I requested validation of my debt and he responded by saying it was already sent. I again requested for the validation to be mailed to my address and I verified my address. XXXX said he would email it. I said no email, I prefer by mail. On XX/XX/2019 I received the correspondence via email when I strictly requested by mail. Then I asked for no more calls as I would take care of the balance after reviewing the validation. Today XX/XX/2019, my brother sent me a message via messenger saying XXXX called him asking for information about me. I already asked for no more calls so I am not sure why they continue to harass me and my family.