davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (MO)

I was formerly a Scottrade customer and former college intern at the XXXX XXXX Scottrade HQ. I am writing this complaint to express my dissatisfaction with Scottrade 's customer service. 

Specifically, as an intern I witnessed Scottrade management specifically instructed Scottrade employees not to help customers who have been the victim of hacks, are complaining about fees, or have complaints that require a " significant amount of resources ''. This corporate culture rubbed me the wrong way and I chose not to continue my internship at Scottrade and would advise others not to conduct business this this company. 

In regards to my Scottrade account, a Brokerage Account and a Bank Account, I closed them after taking my leave and moved my money elsewhere. However, recently, I was informed by Scottrade ( no differentiation between whether Scottrade Brokerage or Scottrade Bank was the entity ) that my personal information was exposed in the recent Scottrade hack. 

I written to Scottrade 's customer support and have not received a response. My concerns are as follows:1. ) Scottrade 's instructions for getting identity theft protection services do not work. Specifically, the phone number Scottrade provided did not work. 
2. ) Scottrade will not respond to my complaints or provide any explanation about the hack. 
3. ) Scottrade will not provide an explanation of whether Scottrade Brokerage or Scottrade Bank was effected. 

In light of the above, I believe Scottrade is trying to " short cut '' and " down play '' the seriousness of this hack in order to avoid having to spend money and resources on treating customers right. 

As a former customer who had his data released as a result of Scottrade 's incompetence, I would like Scottrade to respond.
Consumer complaint received 2016-02-25
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SQUARETWO FINANCIAL CORPORATION (NY)

In the attached document in additional information. The response is not clear, on who has my debt. it appears, that someone or a another company has the debt, that are not to have under law. Who has the debt, why did they not notify me that they have the debt, and what if any giving information to any other entity. What other companies have a hold on this debt, has ti been sold and resold to other companies, if so, they have violated several federal laws and XXXX XXXX Laws.
Consumer complaint received 2015-11-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK (CA)

I am writing in regards to the hacking that occurred at XXXX Scottrade Bank. 

Specifically, I seek clarification on whether my passwords were encrypted or hashed. 

Scottrade 's press release here : XXXX, states that the passwords were encrypted and NOT hashed. 

If Scottrade did not hash passwords, I would like to know why, and I would like to know if the encrypted key has been or could have been targeted in the hack.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (OH)

Hi my name XXXX back in 2015 in XXXX i started school at navient school they gave ipad that would not keep connect to wifi which i was also told when tax time came around i would get school XXXX never receive anything from them and they also have been blowing up my phone the payment when i told them before kicking me out only a week in school that i was having problem with their tablet now their asking for when i move i lost it and cant .my only thing is i never got student XXXX for from them when i got ferdal grant that paid for tablet and they told me after 6 month i will half to start paying for my school.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Im reaching out for your help concerning the incorrect account appearing on my credit report. This mistake has caused damage to my reputation, and I need your support. Due to the mismanagement of my credit report, Ive been deeply impacted, and my reputation has been tarnished. These errors must be addressed for the sake of my family 's well-being.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. ()

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-06-11
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)

I continuously received bill in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I got my report back and I was furious with the amount of items on my report that I know do not belong to me. Please remove these items off my credit report.
Consumer complaint received 2016-11-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: U.S. BANCORP (MO)

They called me. I played along knowing I have no debts and I follow my credit rating monthly on top of that. They are perusing a debt from XXXX that was my ex wife 's and even though it is well past the XXXX, the debt by divorce decree is solely hers. 

They threatened legal action, to sue me and at that time I attempted to get an address. They would not comply as i simply wanted to file a cease a desist order along with some other recommended forms such as proof of debt and so on but they would not give me an address so i told them I cant help them. 
The next day I get a text from my brother telling me someone called him saying i was being sued. I then called them back to push harder for an address and company name and managed to get one if it is even correct. 

I am a fully XXXX vet on top of that and i know vet XXXX and XXXX have special laws, not sure if any fall into this though. 

Please let me know what you need from me.
Consumer complaint received 2015-12-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FMS Inc. (KY)

FMS Collections is harassing XXXX of our deposit customers over a duplicated mobile deposit check item that had already cleared customer 's account. 
Our consumer paid a common laborer XXXX XXXX XXXX XXXX {$180.00} for labor. XXXX XXXX deposited this check by mobile deposit with another bank ( XXXX ). This item cleared consumer 's account at our bank. Later, XXXX carried the original check to XXXX and cashed it there. Our bank returned the check as a duplicate item. XXXX referred it to FMS Collections and who has been harassing XXXX XXXX. They refuse to talk with our bank with our consumer present to try and resolve the issue. Our consumer does not owe XXXX the money. XXXX does. XXXX has since been arrested and jailed on other financial crimes with other citizens and bank. Our consumer was unable to get any assistance with XXXX since XXXX is the party that has the original claim against our consumer. It is only {$180.00} but he should not have to pay the item since he does not owe nor should XXXX XXXX Bank have to pay it. Thanks
Consumer complaint received 2016-08-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

I signed up for a Citigold checking account after receiving a promotion offer for XXXX XXXX XXXX miles. I met the requirements of the promotion and sent a message to Citi to verify that the requirements have been met and the miles will post. Citi replied that the requirements were met and I should expect the points by XX/XX/XXXX. When the miles did n't post I contacted Citi again and was told they do n't see that I was targeted for the promotion and will not receive the miles. I tried explaining to them that I have the message from them showing that I met the requirements and promising the points will post but they are not willing to honor their offer.
Consumer complaint received 2016-06-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

During Citigold checking account opening, I was offered XXXX Thank You points from Citi by using their promotional code XXXX. I met the requirements for the promotional sign up bonus and confirmed with the Citi representative more than one time and was told that I will receive the bonus Thank You points within 90 days. Around 90 days time now, I received a message from Citi saying I do not qualify for the points. I feel I was mislead during account opening.
Consumer complaint received 2017-03-18
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Lending Club Corp (CT)

This is a XXXX bill from at least 2 years ago. XXXX started sending my past due statements to my ex-wifes parents house where I have never lived there and she has n't lived there in over 15 years. They continue to call my cell phone every day at least 5 times a day. They called me 7 times today from unknown caller within a 8 hour window. I have told them to stop calling and just sue me if they want because I do n't have the money.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to disputed Acoount on my credit report that were made withot my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 156 U.S.C 168 1B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSES for obtaining A CREDIT. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Professional Debt Mediation, Inc. (GA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2016 : travelled and lost wallet. called Bank of America to put a hold on the card. card was stolen and used, in spite of the hold. Bank of America did not remove the fraudulent charges from the card and sent it to collections.
Consumer complaint received 2016-07-16
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (MO)

We have been a member of Citi diamond preferred card for 11 years. We have over XXXX points on their reward system. We cashed in our rewards on another card today with similar points and it go applied to straight gift cards. Their system ONLY allows on ALL gifts to get a discount of XXXX % or XXXX % and you have to pay the difference for that gift card. So if it is a {$100.00} gift card it will cost me $ XXXX-XXXX out of my pocket and will only get the use XXXX or XXXX of my points. That is a scam! Statistically I dont have enough money to ever get these points back that is a total scam and I want to have just a couple normal gift cards or money tom reduce my bill. No other credit card is doing this and again there is no way to get back what I am owed. Please help
Consumer complaint received 2016-11-30
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (IL)

I used my Citi Bank Credit card for a charge to XXXX XXXX XXXX XXXX/XXXX/2016 for a vacation package. The cost was {$4000.00} and I put {$2000.00} on my creidt card for a downpayment. The vacation club office person gave me a flash drive with all the signed documents and refused to give me a written copy of the agreement. I did in fact go back to the motel and tryed several differant times to open the flash drive with out any sucess. I called the XXXX on XXXX/XXXX/2016 to inform them I want to cancel my contract right now and a full refund issued to my credit card. The lady repersentive assured me she was going to cancel my membership and a refund would be issued. On XXXX/XXXX/2016 a lady from the XXXX XXXX called me and I explained to her I canceled my membership the day before cause I decided to do so, she said I see here on the computer where you membership is canceled and a refund of {$2000.00} has been issued. I have been in contact with my Credit card company CITI Card and they have refused my charge back claim. I am demanding a full refund of {$2000.00} be put back on my card plus anyother charges and interest CITI Card has charged me for XXXX XXXX XXXX.
Consumer complaint received 2016-12-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CO)

XX/XX/2016 : Citibank promised me a {$400.00} bonus for opening a checking account. XX/XX/2016 : Citibank reneged on this promise. XX/XX/2016 : I filed a complaint XXXX CFPB. XX/XX/2016 : Citibank promised to pay bonus on or around XX/XX/XXXX XX/XX/2016 : Citibank again XXXX on promise.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-08-12
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (TX)

On XXXX/XXXX/15 I checked my credit report. There was an adverse account from Sears/CBNA that I knew nothing about. I called the number on my credit report and was told they could not tell me anything about the charges on my account. I was given a different number to call. They also could not tell me anything about the charges but said they would mail me statements. I called back on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and was always told they were mailing statements. I received nothing. When I called back XX/XX/XXXX, I was told that they could n't find the statements! They would mail me a form to fill out requesting an investigation. I thought I had requested an investigation on XXXX/XXXX/15. 
As of today, XXXX/XXXX/15, I have received nothing. I called back today, was bounced to XXXX different numbers, put on hold by XXXX for XXXX minutes, XXXX for XXXX minutes and told by XXXX that there was nothing she could do, that no supervisor was available and someone would call me. 
I have submitted two disputes with XXXX. I spoke with a supervisor today who said they ca n't request documentation for a write off on someone 's account. He suggested I speak with the creditor! I have been struggling with this for XXXX months and do n't know who else to speak with. I would appreciate any help.
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

We paid a Capital One credit card off in full on XX/XX/XXXX in the amount of {$6000.00}. This was the full amount on the card leaving a {$0.00} balance. The due date was XX/XX/XXXX so our payment was ahead of the due date. On XX/XX/XXXX, about a week and a half later, we get a notification a {$75.00} interest charge was added to our account. Interest on what? The balance was {$0.00}. When I attempted to contact Capital One the first person I spoke to realized we had paid ahead of the due date and they forwarded us to someone else. The next representative attempted to use the excuse the interest charge from prior months. Again, the balance was {$0.00}. We paid it in full. We believe this interest charge is not valid and they refused to refund.
Consumer complaint received 2015-11-01
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

In XXXX 2015, Sears Master Card Services was contacted to eliminate the balance and shut down the account. After a long negotiation two payments of {$110.00} and {$110.00} were to be deducted from my banking account in XX/XX/XXXX and XXXX 2015. As per the representative, these were going to eliminate the balance and close the account. I keep receiving phone calls and bills. I contacted Sears credit cards services again, and they said that back then a balance of {$34.00} was kept on the account. I askd for recording and notes to be investigated. A balance of {$100.00} is still being charged. I have only payed late fees, I used this credit card once. I was promised to be done with this balance and credit card after XX/XX/XXXX and I was lied to by the representative.
Consumer complaint received 2017-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NY)

My office represented the borrower in a foreclosure case in XXXX XXXX Court. The borrower changed attorneys and we no longer represent her. However, my office still receives mortgage statements for the borrower. The statements lists the borrower 's name but my office 's mailing address.
Consumer complaint received 2016-04-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (AR)

Loan was taken out for my grandson in XX/XX/XXXX in which I was the co-signor. Over the course of 10 years I have made payments on the loan and am now being told that I owe over {$2000.00}. I noticed that the loan number that I had been paying on is not the same number that I am being contacted about now and have inquired why the number changed. Loan was taken out with XXXX and my request for a payment history has not been provided. I received information from XX/XX/XXXX to XX/XX/XXXX all information for prior years dating back from XX/XX/XXXX I 'm told they can not provide because they have a new system. So therefore my payments are not accounted for. My grandson had other loans and it is my belief that payments were applied to the wrong account. I am on a fixed income and am now being harrassed by a Collection Agency Financial Assest Management Systems , Inc, XXXX XXXX XXXX, XXXX, GA XXXX phone number XXXX. I am being charged intrest and late fees but no one has responded to my request to validate the debt. The original loan was for {$5000.00} in my calculation this should be paid in full at this point and if not paid in full my balance should be no more than {$200.00}. I have gone to my bank to request copies of my cancelled checks which the cost of having them to provide copies is more than I can afford for such history. I do n't know what else to do at this point. I ca n't get any information form Navient on the account formally known as XXXX XXXX. I have heard of the debt tactics that they use and how individuals seem to never pay loans through them. I do not want to be ripped off any longer and request your assistance. I have requested a bill and have never received a bill. Therefore there is no way for me to know what the true balance is that they say I owe as there is nothing to show where may payments of all these years have been applied. All I know is they took my money and applied it to someone 's loan.
Consumer complaint received 2016-06-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Duncan Solutions, lnc. (MD)

Please see attached. I received a notice from the collection company. When I first called they were not very unprofessional and the operator hung up on me. I called back again and requested to speak with a supervisor. I was told to hold and they would request a supervisor. I was then put through to a voice mail and still have not received a return call. I was told that I am not allowed to request proof and if I did n't pay they would report me to the credit agencies immediately even though I never received any notification from the City about the citation. I have since filed a Motion to Vacate the citation. I have attached all of the paperwork for evidence. The operator said they will report me to the credit agencies no matter what I did. I am reporting this is the CFPB before they illegally report this account and mess up my credit. If they can validate the claim I have no issue paying but I think since I have not received anything from the City or this collection agency I have a right, before they report my account, to validate it. Please help.