davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
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. (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. 

Child support enforcement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts has violated my rights.

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

15 USC 1681 Section 604 A.Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 then records of convictions of crimes which antedates the report by more then seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have also included screenshots of my credit report highlighting all errors and inaccurate information The first two screenshots are Child support enforcement. 
The next one is for XXXX XXXX XXXX XXXX. The third one is for XXXXXXXX XXXX 
And the last XXXX screenshot is for XXXX XXXXXXXX XXXX
Consumer complaint received 2024-10-02
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-07-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (SC)

In early XXXX, I was contacted by the Risk Management Department of Iberia Bank informing me that my credit card had been compromised. I immediately cancelled the card and a new one was issued to me. I am fairly certain that the card was compromised at the XXXX XXXX in XXXX, XXXX since I place an order for XXXX copies of the paper and incurred a $ XXXX charge. I started to receive merchandise at my home and I contacted the XXXX County Sheriif 's Department and filed a report. The officer told me to keep the '' stuff '' and catalog the products. Several weeks later, I received an affidavit from the Risk group of XXXX and I noted that XXXX of the products I received. The bank had given me credit for all the charges, however, when I received my next statement, the XXXX items were charged to me. I made numerous calls to the XXXX and also to XXXX and spoke with a XXXX XXXX. She then escalated the problem to a person by the name of XXXX in the XXXX. After being offended by her screaming at me over the phone, I asked her what I should do. She told me to return the products to the vendors which I did. On XXXX XXXX, I faxed to her the XXXX receipts and she acknowledged on XXXX XXXX that she received the fax. She then informed that she sent it to " upper management '' for review and that she would call me on Saturday, XXXX XXXX with an update. She never called! I called her on Monday, XXXX XXXX and asked why she did n't call to which she had no answer. I then told her that I was recording the conversation. She was very pleasant on the call! However, she said once more that " upper management '' did nothing with the information and said maybe they were on vacation. She declined to give me a name or phone number for " upper management. '' I sense a great deal of APATHY within her and the department. On XXXX XXXX I spoke to a XXXX in that department and she provided me with a phone number of XXXX to contact. The number was bogus ... .some company trying to sell stuff ... .I felt that they were playing with me ... .and they were. Today, XXXX XXXX I filed a complaint with the BBB. Also, XXXX XXXX of the Sheriff 's department has not spoken with any of the vendors to get the IP address. I feel I had no choice but to escalate this to the Consumer Protection Agency.
Consumer complaint received 2015-08-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I can see, from previous credit reports, that the collection agency continues to change the name of the collection agency, the name of the original creditor and the exact dollar amount so that the debt remains on my credit report longer than 7 years. This tactic is nasty and unfair. My past credit information is attached. 

Please advise on the best way to handle this.
Consumer complaint received 2015-07-29
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I am filing this complaint against CAPITAL ONE credit card ( account ending XXXX ) for ignoring my complaint about a fraudulent charge of {$470.00} made to my account XX/XX/2015 and made through XXXX. Every time I call CAPITAL ONE and complain, they take off the charge, but with every other statement I am rebilled. They do not send me any details as to where this charge originated or for what item I am being charged {$470.00}. I called CAPITAL ONE during the XXXX week of XXXX and spoke to their agent, who subsequently got XXXX representative on line, who checked their records but could not verify where this charge originated, and hence confirmed that the charge was fraudulent. 

CAPITAL ONE 's representative online assured me that I would be receiving an email regarding this transaction as a fraudulent charge but I have not received any follow up information either by email or ordinary mail. I am now being rebilled without any reason for this charge. I called CAPITAL ONE again on XX/XX/2015 and spoke to their representative who identified himself as XXXX and who took a long time to explore his records but could not help. I was requested to call back again the next day. I am tired of the run around and want CAPITAL ONE to reverse the charge of {$470.00} from my account. I DO NOT RECOGNIZE THIS CHARGE AND I REFUSE TO PAY FOR either XXXX or Capital One 's error. 
Please see my bank statement PDFs
Consumer complaint received 2015-08-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Trans Union has ignored my XXXX mailed disputes of fraudulent information on my credit report, when I complained here they responded with a non answer to my complaint and said I have not tried to dispute the fraud, They claim to have sent my credit report to my last reported address, I believe they sent it to the fraudulent address that recently appeared on my credit report. I have lived at the same address for 33 years. 
I have tried to use the phone numbers listed on their web site and the one given in the non response to my earlier complaint, when anyone will answer besides a very unhelpful robot they reach barely understandable people who apparently are trained to not help victims of fraudulent credit reporting. 
I have tried to use the web site but many years ago when I had a dial-up isp I set a secret question that asked my favorite car, that was many years ago I do not remember what I answered. I do remember trying to use the question what is your mothers middle name and being told the answer is not a word because it is only XXXX letters. I have tried to get them to reset this with only silence for a answer
Consumer complaint received 2015-10-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION (PA)

I opened an account with M & T Bank last month, seeing the promotion for a {$150.00} cash bonus which attracted me to the bank. Late last month, I made a direct deposit, qualifying me for the {$150.00} bonus, which was revoked on XX/XX/XXXX ( yesterday ). After numerous messages to the bank on their website, I have yet to receive a response. Now, later today they completely closed my account with no warning. I called them and was on the phone for an hour speaking to a supervisor whom was advised not to tell me information about MY account. An identity verification was done via fax as requested a couple days earlier. I 'm forced to step into a branch that is n't local to me, which is a huge inconvenience. For an institution that 's supposed to be trusted with holding my money then closing it with FUNDS LEFT IN THE ACCOUNT, I 'm baffled. I demand a reasonable explanation.
Consumer complaint received 2015-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (CT)

SOUTHWEST CREDIT SYSTEMS LP has issued a collections to all XXXX credit reporting agencies. I called and when I called they said it was a bill from XXXX XXXX XXXX - this is not possible as I have been a XXXX year client of XXXX XXXX XXXX in good standing. When I asked for more specific information I was passed to XXXX different people - all of whom said it was a XXXX XXXX XXXX bill. When I had said this was not possible and they needed to remove it from my credit report I was told " We understand, but we ca n't do that '' - I insisted they could. I was passed up the food chain and was told the same thing - on the XXXX person I was then told that this was not a XXXX bill, but rather a XXXX bill from over XXXX years ago. I left XXXX years and years and years ago and said I had no bill and could they show me the bill and why were they saying XXXX XXXX XXXX? I then was told that this was fraud and they would sent a packet in the mail - the packet insist I file a police report and supply a substantial amount of documentation. This is all very much not above board - I was given wrong information, given improper information on my rights, they do n't have a bill - How can I file a police report from a bill from over 5 years ago of which no one can get me a copy of said bill? Also, no answer has been given about the XXXX XXXX XXXX bill which is what XXXX of their agents told me prior - lastly, saying " we ca n't do anything on the credit report '' - when they issued it, do n't know what outstanding bill there may or may not be - is very troubling. Only because I knew my rights was this issue escalated and even now - they have no bill and no information.
Consumer complaint received 2015-08-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Simon's Agency, Inc. (NY)

In XXXX I played XXXX XXXX XXXX XXXX XXXX. I signed up for a membership there to use the facility aside from tennis and changed my mind. 
Within XXXX hours of signing the contract I brought in a letter expressing my desire to void the contract as I would not be using it as I was no longer going to be playing XXXX at the end of the season. The clerk, XXXX I believe his name was, took the letter and attached it to the contract. 
Here it is XX/XX/XXXX, and I am placed in a collection agency and apparently they were told the contract was signed XX/XX/XXXX. This is absolutely false, the agency does not have a copy of the contract which one representative told me she did and they refuse to verify it. 
They call several times a day and tell me I need to email them a dispute but have yet to give me the address to send my dispute. 
This is adversely effecting my credit file and I need it to be fixed immediately!
Consumer complaint received 2015-03-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

I was informed by an official of the bank ( Citizens Bank XXXX in Delaware in XXXX 2013 that since I have my XXXX-weekly check direct-deposited into XXXX of my accounts, I will not incur any charges whatsoever regarding balances etc. but surprisingly, the bank has stealthily resorted to charging over $ 4 monthly for almost a year claiming the balance on XXXX of my accounts is less than {$200.00}. This is quite deceptive and fraudulent.
Consumer complaint received 2015-08-29
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (MO)

Just finished my XXXX degree. Had to use a credit card to get through some rough financial patches. Was unable to make payments due to lack of income and trying to live on a student budget. Found out recently that a XXXX party has filed a collection lawsuit against me without my knowledge. Apparently this XXXX party ( LVNV Funding , LLC ) " bought '' my credit card debt ( still not sure how that works ) and is pursuing a lawsuit against me using the lawfirm of XXXX XXXX XXXX, in spite of failing to communicating with me in good faith. I have not even received a summons or any official, legal documentation. I recently received SEVERAL letters from random attorneys, which brought this lawsuit to my attention, none of which are associated with the lawfirm that is actually pursuing this lawsuit. I do n't understand how this is legal. I recently began a new job in my chosen field in regards to my degree, so I am now in a position to begin making monthly payments. However, this group of people has robbed me of the chance to make good on my debt and are now seeking to sidestep that good faith and take me to court. It is now my understanding that this has become a common business practice. This is n't right.
Consumer complaint received 2015-09-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P. (IL)

Southwest collection services used an address I never lived at to communicate a collection I found out about through my credit monitoring service. They said they can not remove the account even though i verified payment because they said only comcast can do that. I faxed verification of payment to both of them but no one takes action. XXXX opened a trouble ticket but does not have a phone number to discuss concerns if you are disputing a collection so I have no way to discuss resolution of this with even though I faxed in proof of payment it is still sitting on my reports with the bureaus.
Consumer complaint received 2015-10-03
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC (AZ)

I got a call from a XXXX number claiming that I had won the XXXX prize of {$850000.00} and a 2015 BMW. I informed them that I was not in XXXX but was stationed XXXX. They then proceded to inform me that because of some XXXX law that I had to pay 1 % to get my money. Of course me being missinformed of things I took {$250.00} and sent it WalmartXXXXWalmart XXXX.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2015-08-28
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (MD)

On XXXX XXXX 2015 I was interviewed online by a recruiter pretending to hire for a company named : XXXX XXXX XXXX based in XXXX. The job according to the job posting would consist of Data entry from home and I was directed to expect a {$2600.00} check to buy equipment for the job. The next day the check arrived at my door by express mail, I dropped it to my bank by ATM the same day but afterward I realized that the name of the company was not mentioned on the check ; I connected online with the recruiter and asked what the procedure would be after I receive the money. She said to me that I should withdraw the money and direct deposit it in another account Than I realized I was in a middle of a scam, right away I called the Bank asking if they could withdraw that check from the ATM machine and they said to me that they do not have access to the ATM system, I should wait for the operation to go through and then meet them after the check is processed, which I did on the XXXX of XXXX after the position of my account was updated with the amount of the check. The same day I went the Suntrust XXXX Branch and and the officer confirmed to me that the check is in fact a fraud. I asked her to put a hold on my account and return the money immediately. She advised me to open another account as the previous one was compromised. I followed her advice and deposited {$100.00} in the new account. She told me that the new account will be connected to my check card since the old account will be frozen till the procedure is completed, and later on closed. she said it will take XXXX business day for the new account to be connected to my online banking system. After the XXXX days, nothing went the way she told me. I called her, and she told me again that I should come to the branch and fill up a form for the connection to take place, which I did. 
From that point everything took another turn as my new personal checking account was frozen, my online banking system suspended. I could n't process any online payment since my business account was connected to my personal account through the online banking system. Since Monday XXXX XXXX I am at the branch everyday, the team-members of the branch are powerless in finding a solution to my problem. The bank has terminated my relationship, closed my old personal checking and saving account, frozen my new account, and do not want to talk to me. they have no schedule to when my money will be given back to me. I have bills to pay and my money is blocked by Suntrust bank. I am being penalized for doing the right thing. I am lost and do not know what to and I am also a victim and surprised by the action of this against me
Consumer complaint received 2015-10-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

When are you guys ever going to do anything to HSBC /Benefical for their mortgage loan practices. 

You can XXXX and read for days all the issues, Not crediting acct, High interest XXXX 12.0 % ), NO modifications, closing offices and not renewing loans, excessive fees. 

I know Im not the first one complaining to you guys. 

PLEASE HELP!!!!
Consumer complaint received 2015-08-28
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

On or about XXXX XXXX, 2015, Borrowers contacted Wells Fargo Bank concerning the correct interest rate calculation for the repayment period once the draw period ends on XXXX/XXXX/2015, and to explain the ambiguous terms of the Borrowers ' Line of Credit with Wells Fargo which do not support the estimated finance charge of 5.425 % during the repayment period for the subject Line of Credit. In this respect, Borrowers also requested a written reply to Borrowers ' inquiry in a letter dated XXXX XXXX, 2015, to Wells Fargo which Borrowers have not received a written response. 

Despite Borrowers ' repeated good faith attempts to resolve the subject correct interest rate calculation with Wells Fargo, Borrowers submit that Wells Fargo has failed to provide a timely and complete response and has committed unfair, deceptive and abusive acts and practices concerning the subject inquiry within the meaning of The Consumer Credit Protection Act, 15 U.S.C. 1601 et seq. Further, Wells Fargo 's unfair actions are also supported by the documentation herein provided by Borrowers. 

Moreover, since Borrowers first contacted Wells Fargo on XXXX XXXX, 2015, Wells Fargo through its employees and/or agents have made misleading representations concerning its alleged efforts to research and resolve Borrowers ' inquiry by mailing several stall letters dated XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX purporting to provide a final resolution to Borrowers ' subject inquiry. However, as of this writing Wells Fargo has failed to provide a proper and complete response to the Borrowers to address Borrowers ' position concerning the correct interest rate to be applied during the repayment period.
Consumer complaint received 2015-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OH)

This is a follow up Compliant against Rushmore Loan Management and XXXX 
Under XXXX vs XXXX XXXX XXXX. Case # XXXX in XXXX XXXX Ohio Court. The case began in XXXX and previous complaints were filed XXXX, XXXX, XXXX. 

XXXX Purchased the property on or around XXXX/XXXX/XXXX. The sale was confirmed around XXXX XXXX. The Bank had 30 days to pay the Sheriff 's Department the owners equity the remaining balance or forfiet there deposit. The Bank did not pay the remainging balance and owners equity until on or around XXXX XXXX, XXXX. The Bank as Plaintiff did not schedule or allow a move out date or date for the owners to remove any personal property. 

The Bank should have lost their deposit and been held in contempt of court for not complying with the law. The owners had to maintian homeowners insurance on the property while not having access to the property and are waiting for the home owners equity to be paid out. The owner 's request the CFPB review the past complaints as this could be the main reason the bank has delayed payment and foreclosure procedures to continue to cause financial harm and harrassment to the owners. 

Respectfully Submitted, XXXX XXXX XXXX, Owner and Executor of the Estate of XXXX XXXXXXXX XXXX, Ohio XXXX