davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK (CA)

In 2013, my Scottrade XXXX and Scottrade Bank account was hacked. Somebody accessed my account and initiated over {$800000.00} of ACH transfers which were then used to trade stocks at enormous losses, essentially buying stocks in my account at a premium while another account was selling them. 

Long story short, Scottrade refused to acknowledge the fraud and blamed me responsible, as a result of Scottrade 's failures I conducted research into Scottrade 's security systems and subsequently warned them in the Summer of 2013 about the database vulnerabilities that Scottrade recently acknowledged after two years of doing nothing. 

Bottom line, Scottrade 's management has death ears when it comes to hearing customers complaints and suggestions - and as a result XXXX XXXX customers are now at risk of identity theft and fraud. 

If you are curious about the complaints against Scottrade and want proof that Scottrade was informed of their security failures please feel free to XXXX " XXXX Scottrade '' or submit Freedom Of Information Act requests to the SEC requesting all complaints against Scottrade. 

My XXXX cents, steer clear of this company and its employees.
Consumer complaint received 2015-11-20
Product: Prepaid card — Transit card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (RI)

I am a customer of Rushcard. On XXXX/XXXX/15 my employer direct deposited {$400.00}, however, on XXXX/XXXX/15 there was a deposit reversal done by this company not my employer. I simply want my money back. It is mid XXXX and I still cant get through to customer service and I have no idea how to get information on my funds.
Consumer complaint received 2015-12-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (TX)

Debt Collection company continues to call my XXXX daughters cell phone to attempt to collect a debt for another person. I have contacted the company XXXX different times, and XXXX of those times they have said that the number has been removed from their system, and is not attached to the account they 're trying to collect on, but the automated calls continue. In talking to the representative over the phone, they simply state that the number has been removed and that it will take XXXX hours to remove the number from the automated system. This has been the response each of the last XXXX times I have called, which covers a XXXX day period, so that is not correct.
Consumer complaint received 2024-10-18
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. (PA)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-10-18
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. (CA)

I have filed complaints with the three bureaus regarding the status of my credit report, which still contains negative items. The incorrect information listed on my credit report has greatly affected me due to the unfavorable perception from creditors. I am seeking to have the negative items removed from my credit report. Therefore, I am requesting your assistance with this matter. If the credit bureaus do not take action, I am prepared to take legal action against them for the damage this has caused me
Consumer complaint received 2016-11-07
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Midwest Recovery Systems (PA)

An agency known as Midwest Recovery Systems contacted me on XXXX/XXXX/16 via the phone stating I was about to be served with legal papers. Since I have heard this scam before, I yelled and them and hung up. I found an entry on my XXXX credit report today that dropped my credit score by XXXX points which alleges I owe {$680.00} to a company known as " XXXX XXXX '' which I have never heard of and have never done business with. I never received any written communication from this company nor anything stating I have a right to request verification and dispute this so-called " debt '' as per the Fair Debt and Collection Act. They have harassed me and placed a mark against my credit for a matter I know nothing of which appears to be downright fraudulent. I have requested an investigation with XXXX and also to never be contacted again by these people.
Consumer complaint received 2024-10-18
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. (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2016-10-21
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Western-Shamrock Corporation (AL)

On XXXX XXXX, 2016 at approximately XXXX, I went inside XXXX in XXXX Alabama with my XXXX year old daughter. I walked passed Western Finance who I have a loan with. While I was in the store, I saw a familiar face walking around the XXXX on her cell phone. I forgot something so I got out of check out line at XXXX. I saw that same woman looking at me but again, I thought nothing of it. I got back in line. As I was leaving the store, that lady left said something to another lady outside XXXX. Then she went into Western Finance. Next thing I knew, the lady she spoke to & STOPPED MY XXXX YEAR OLD DAUGHTER by HUGGING HER VERY HARD, SHE COULD N'T GET AWAY FROM HER GRIP as if she knew my daughter. I immediately recognized her as the MANAGER OF WESTERN FINANCE. She says to me ... .WHAT HAPPENED TO ME? I 'm like excuse me? Did you just follow me into XXXX XXXX? We 're you waiting on me? She says yes, I saw you walking by. She mentioned, she had been looking for me and she has called my mother, and she 's even been by my mama 's house. I said what, you 've BEEN BY MY MAMA 'S HOUSE? You went by mama 's house for XXXX not XXXX? She said yes ma'am to all the questions. She asked me if I still lived in XXXX. I told her she was harrassing me. In fact, she was stalking me by sending her employee in XXXX and then waiting on me outside the XXXX door, blocking my way on the sidewalk. She informed me that they are allowed to do that. If they see you. I said you all are allowed to harrass your clients outside another store? She said yes. I asked her for her card. I told her I 'd be filing a complaint. She told me to go ahead. Her name is XXXX XXXX, the manager at Western Finance. I do not and have not ever been physically stalked or harassed by any reputable company.
Consumer complaint received 2016-03-16
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: MSW Capital, LLC (AZ)

This complaint is against MSW Capital, LLC., I sent a certified/return U.S mail request for " notice of right to dispute '' to there business office location MSW Capital , LLC . XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I sent it on XXXX/XXXX/XXXX they signed for it on XXXX/XXXX/XXXX. XXXX XXXX has stated they have had this account since XXXX. MSW Capital LLC is a debt collector. 

Attached the following documents Address verification from corporation reports, letter sent to MSW Capital LLC XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, copy of return receipt certified US mail
Consumer complaint received 2015-09-01
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Zakheim Law Group, P.A. (FL)

On XXXX XXXX a garnishment in the amount of {$2500.00} was placed on my checking account by Zakheim & Lavrar XXXX XXXX, Florida for a debt owed to XXXX Bank. Zakheim & Lavrar claims to have sent XXXX documents to my residence warning me of an impending garnishment. We received neither of these letters. If we did we would have immediately paid off the debt. We were n't made aware of the garnishment until after we tried using our debit card and it was declined. After contacting the bank and learning where the garnishment was from we immediately drew a tellers check for the amount owed and mailed it. Zakheim and Lavrar received the check on XXXX XXXX. We asked when the hold would be released and they said between 7-10 business days. After 10 days we checked and the hold was still on our account. We contacted them and they informed us that they mailed out a Dissolved Writ of Garnishment to the court and our bank on the XXXX. We waited 5 days and the hold was still on. We contacted them again and they stated that they had mailed the Writ on the XXXX, and again that day, the XXXX. After contacting both our bank and the court today we learned that neither have received any documents regarding our case. The court informed us that the document needs to be sent via XXXX, the way the original documents to place the hold were sent, and to date, they have received nothing from Zakheim and Lavrar. We feel that we are being directly lied to by Zakheim and Lavrar and they are doing nothing to resolve our issue. From the beginning they have been giving us erroneous information.
Consumer complaint received 2015-06-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

I obtained a 30 year variable conventional mortgage from First Citizens Bank and XXXX XXXX on XX/XX/XXXX. The First Citizens representative never asked me if I would qualify for a VA mortgage. Had she done that, I would have opted for that ( VA ) mortgage instead of the XXXX I wound up with. What I found out after obtaining the conventional mortgage was that included in the monthly payments would be a PMI of {$120.00} per month. If I had the VA mortgage there would not be any PMI at all. I feel that First Citizens should have told me about the VA mortgage instead of just telling me about the conventional XXXX. 
It was not until I spoke with an agent from XXXX XXXX in XX/XX/XXXX that I was made aware of the fact that I should have a VA mortgage instead of a conventional XXXX. Since that time I now have a 30 year VA mortgage with a fixed rate which does not have any PMI attached to it. My complaint is should I get reimbursed for the years of PMI which I was paying due to First Citizens failure to inform me about the VA mortgage. 
What makes matters worse, is that the original mortgage was sold to XXXX XXXX XXXX which eventually folded and XXXX picked it up. XXXX has sent me a letter stating that they are not responsible for the PMI problem because they, " Did n't originate my mortgage loan ''. 
I hope that my explanation of what transpired will be sufficient for you to help me out with this problem.
Consumer complaint received 2015-09-01
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Green Square Company LLC. (TN)

I have received a phone call from a company called XXXX. They called today and made a threatening phone call that I have a check from 2008 that needs to be paid. Stated that they will turn it in to my sherriff 's dept if I do not resolve it tonight. He also stated that he needs a statement from my attorney to release me?? The gentleman on the phone was no gentleman. He was very rude. Would not let me talk. I asked for detailed information. He stated he does not need to send me detailed information as it was public record. He has my bank information, my ssn, very private information. This is very disturbing.
Consumer complaint received 2015-11-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Benuck & Rainey, Inc. (NH)

I contact the collection agency to resolve an unpaid collection account that was on my credit bureau. I was told that the account would be shown as paid in full and i would have a letter faxed that would confirm the paid in full status along with removal from my credit bureau. I was instructed to send in a letter authorizing them to release this information via fax which i did. After days of not receiving the letter i called back to get the letter sent, and i was informed by the representative i will not be getting that letter.
Consumer complaint received 2019-11-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC (FL)

I have a collection for a hospital bill from 2013. I have been trying to rectify the bill as I have recently found my original explanation of benefits that shows a different amount of what is owed. The date is also incorrect as they are trying to get an additional year of collection. Also another company is trying to collect on the same debt. 

It was removed from my credit previously for those same inaccuracies however the debt was resold and they are trying to falsely collect.
Consumer complaint received 2024-10-18
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. (NC)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  - {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$36000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-18
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX credit inquiry Requested on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested On XX/XX/XXXXXXXX XXXX Requested On XXXX XXXX Requested On XX/XX/XXXXXXXX XXXX XXXX Requested On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Requested on XX/XX/XXXXXXXX XXXX XXXX XXXX  Requested on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Requested on XX/XX/XXXXXXXX XXXX XXXX XXXX  Requested on XX/XX/XXXXXXXX XXXX XXXX  Requested On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All these companies are showing up on my credit report that I recieved through my yearly credit report and I have no knowledge of or gave authorization to do any transactions that would require this type of authorization of any sorts.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2018-06-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (SC)

On XX/XX/XXXX my debit card was charged {$1000.00} for a second time. I had previously made purchases on XX/XX/XXXX-XX/XX/XXXX that were already charged to my card. Coinbase sent me an email on XX/XX/XXXX stating that they made duplicate transactions on all XXXX card members and refunds would be issued as soon as possible. 4 months later I haven't seen a dollar yet after communicating back and forth with them through numerous emails.
Consumer complaint received 2019-11-14
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-04-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (IN)

I applied for their promotional checking account offering {$300.00} for opening a checking account, I opened the account on XX/XX/XXXX received my debit and letter confirming my option our for overdraft protection on XX/XX/XXXX all be email as I requested all documents, statements by email as I like to save paper. So, I did everything that I was required to do, to get the {$300.00} promotion and needed to make sure it stayed opened with no negative balance, no problem! 
Then on XX/XX/XXXX I received a letter in the regular mail from chase dated XX/XX/XXXX saying they will be closing my account ( I have XXXX informed delivery, which you get an email showing you the mail you will receive that day from the post office ) it was an the XXXX informed email I received that day as well. So, they held on to my money, sent me a debit card, emailed me a copy of the option out of overdraft letter on XX/XX/XXXX they like cash flow to make money then XXXX the consumer, stay away! Unfortunately, consumerfinance.gov would not let me reply and closed it after their reasoning is the agreement in the small print as usual, they can close your account at any time for any reason. For any of those that want to see my documents I will be glad to show you as attached and please notice dates of letters received.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (HI)

I have a credit card with CHASE CARD. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CHASE CARD and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and CHASE CARD with no successful resolution. XXXX, XXXX, XXXX only reporting me 30 days late 3 times. There was an error on their part. I was never 30 days late 3 times.
Consumer complaint received 2019-04-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was born XX/XX/XXXX This account was opened XX/XX/XXXX by my Father who has the same name. 
I was only XXXX at the time the account was opened. 
Its more than 9-10 years old ( the acct ) and is closed/has been.