davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (FL)

ACCOUNT # XXXX XXXX XXXX XXXX ( {$890.00} ) IBERIABANK  XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX IBERIABANK CORPORATE SPECIAL ASSETS DEPT XXXX XXXX XXXX XXXX LA XXXX IBERIABANK PHONE # s : XXXX XXXX LOCATION XXXX SPECIAL ASSETS DEPT XXXX SPECIAL ASSETS DEPT XXXX CUSTOMER SERVICE ANOTHER IBERIABANK ADDRESS : XXXX XXXX XXXX, XXXX XXXX AR XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX BRANCH MANAGER , CELL XXXX, XXXX XXXX XXXX ASSISTANT MANAGER, XXXX XXXX XXXX XXXX RELATIONSHIP BANKER, XXXX XXXX COUNTY SHERIFFS OFFICE CASE # XXXX . WEB SITE : XXXX : XXXX REPORT TAKEN BY CSA XXXX XXXX XXXX. 

On XX/XX/XXXX two stolen checks ( # XXXX {$840.00}, # XXXX {$1200.00} ) were deposited at an ATM in XXXX XXXX into my account. The bank has them post dated, # XXXX XX/XX/XXXX and # XXXX XX/XX/XXXX. # XXXX is neither signed, nor endorsed. # XXXX has the same signature on the front and back. The checks were charged back on XX/XX/XXXX and XX/XX/XXXX. During that time, ATM withdrawals were made at 3 locations. 2 of which, are IBERIABANK ATMs ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ). They have the thief ( not me ) on video withdrawing cash. They refuse to acknowledge DEBIT PIN FRAUD and are saying it is my responsibility to keep my PIN safe. They have failed to protect me as their customer, have evidence that I did not take their money, and are not leaving me out to dry. They need to update their ATMs instead of being so greedy and acknowledge DEBIT PIN FRAUD exists for starters. They are wasting tax payer dollars by sending us to file police reports when the evidence is clear and they are responsible due to their lack of technology. 

DATE LOCATION AMOUNT XX/XX/XXXX XXXX XXXX, XXXX XXXX FL {$40.00} XX/XX/XXXX XXXX XXXX, XXXX XXXX FL {$840.00} XX/XX/XXXX XXXX XXXX, XXXX XXXX FL {$1200.00} XX/XX/XXXX XXXX XXXX, XXXX XXXX FL $ XXXX XXXX ) XX/XX/XXXX XXXX XXXX, XXXX XXXX FL $ XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX FL $ ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX, XXXX FL $ XXXX XXXX ) XX/XX/XXXX CHARGEBACK $ ( XXXX ) XX/XX/XXXX CHARGEBACK FEE $ ( XXXX ) XX/XX/XXXX CHARGEBACK $ ( XXXX ) XX/XX/XXXX CHARGEBACK FEE $ ( XXXX ) XX/XX/XXXX BALANCE FEE $ ( XXXX ) XX/XX/XXXX SERVICE CHARGE $ ( XXXX ) XX/XX/XXXX BALANCE FEE $ ( XXXX ) XX/XX/XXXX SERVICE CHARGE $ ( XXXX ) TOTAL $ ( XXXX )
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

My Name is XXXX XXXX. Am looking at my credit report and there are 8 hard inquiries from the following companies that an disputing because i haven't had any dealings with them. 
1. XXXX. There are 5 inquiries from this company dated - XX/XX/XXXX - XX/XX/XXXX Two inquiries on the same day. 
- XX/XX/XXXX - XXXX. 
2. XXXX XXXX- there are 2 hard inquiries dated - XX/XX/XXXX - XX/XX/XXXX XXXX. XXXX XXXX. There is 1 XXXX dated XX/XX/XXXX. 

I have not had any financial dealings with these companies and thus would like to dispute these inquiries. 

Yours respectfully XXXX XXXX XXXX.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My Name is XXXX XXXX. Am looking at my credit report and there are 8 hard inquiries from the following companies that an disputing because i haven't had any dealings with them. 
1. XXXX. There are 5 inquiries from this company dated - XX/XX/XXXX - XX/XX/XXXX Two inquiries on the same day. 
- XX/XX/XXXX - XXXX. 
2. XXXX XXXX- there are 2 hard inquiries dated - XX/XX/XXXX - XX/XX/XXXX XXXX. XXXX XXXX. There is 1 XXXX dated XX/XX/XXXX. 

I have not had any financial dealings with these companies and thus would like to dispute these inquiries. 

Yours respectfully XXXX XXXX XXXX.
Consumer complaint received 2022-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Synovus Bank (VA)

First Progress Cards are PREDATORY LENDERS. This card was advertised to me through XXXX XXXX. I applied for this secured credit card on XX/XX/XXXX. I made a {$500.00} payment to them in exchange for {$500.00} worth of credit. The initial email said that if approved I would receive my card within 7-10 business days. On XX/XX/XXXX I received an email stating that they needed more documentation in order to approve my application, which is CRAZY. I have numerous credit cards, a few of which have limits in excess of {$25000.00}. None of those cards required me to submit ANYTHING to be approved and they are not secured cards. It is very suspicious that they would require additional documentation in order to loan me MY OWN MONEY. Well, it turns out that the the email they sent requesting more documentation does not have a link to upload the documents. There is literally no button to click on. There is no way to speak to a person. The only way to communicate with them is by writing a letter and mailing it to some random po box . I have the " thank you for your payment '' email from this company. There is no way that they should be allowed to do this to people who are already in financial turmoil.
Consumer complaint received 2018-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Accelerated Financial Solutions, LLC (TX)

Firstly, thank you for taking your time to review this and I understand my complaint is just one of hundreds that you guys read on a daily basis. 

I was checking my credit report because my little family and I are looking to buy a house for the first time, that's when i noticed i have derogatory mark that shouldn't be on my credit report. 

Derogatory Mark Info : 1 ) The original creditors name - XXXX XXXX XXXX 2 ) Account opened - XX/XX/XXXX XXXX ) Account Status - Open 4 ) Remarks - Placed For Collections 5 ) Amount Owed - {$930.00} Back Story : Back when I was in school, I was irresponsible with my credit because i made a purchase at XXXX XXXX XXXX for my brother. I put a XXXX XXXX TV and surround sound system on my credit for his living room because he told me he would make the payments. Later on, my parents and I found out that he sold the TV and Surround Sound System to by XXXX. This was hard news for me because my own brother was XXXX to XXXX and hurting the family, so my parents put him into XXXX  in hopes that he would get clean. He has been in and out of XXXX and is still fighting XXXX. 

I apologize for unloading this XXXX story on to you but this issues has been haunting me in more ways then one. 

Conclusion : 1 ) I made the XXXX XXXX  back on XX/XX/XXXX 2 ) I have already payed off these debt collections 3 ) I gratefully ask this negative remark to be removed from my Credit Report Thank You, XXXX.
Consumer complaint received 2024-01-31
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)

The company is providing late payments on my credit report which is unlawful according to. 
15 USC 168Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also stated a consumer furnish an account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card open-end consider credit pan as late for any purpose.
Consumer complaint received 2022-05-01
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. (MD)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-04-05
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. (TN)

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. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (FL)

Convergent outsourcing is misrepresenting debt and wrongly reporting to all credit reporting agencies. They are claiming a debt that I disputed with the original creditor in XXXX is new in XXXX of XXXX. I've never had one piece of communication with this company, convergent outsourcing, and never been given any proof I have any business with them. They have provided me with nothing and lied saying this debt is from XXXX of XXXX. This is all lies and they are misrepresenting debt to gain financially from others. This is the very definition of a crime.
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi my name is XXXX XXXX and my complaint is against bank of America my wallet was stolen so I called I yo the bank to cancel my card and order a new this is when and how I found out my card was frozen, so I explain my situation and and have edd send over a document verifying who am this is around XXXX ( XXXX ) XXXX I was informed that within 3 business days I should hear back from the bank because by law the have to respond to the identity verification within 24 hrs not until about XXXX second when I called into check and was told that they received t but never processed it???????? Well past 24 hrs I know so the boa rep verifies me over the phone in addition to the notice from Edd And signs me up for a XXXX XXXX of {$290.00} after sending me out a new card so I get my card around the XXXX and on the it's frozen again for my protection without cause I didn't spend a lot of money so I call edd to have them email another verification to boa because I did realize my account was gon na be frozen again without any notice from boa again and for the next weeks I had the edd integrity department verify me several times a day being verified by them each time. Then one night I got an email from boa around XXXX XXXX XXXX saying my funding party had updated my account because somehow boa now had an old address as my current not the one on file with edd and where they sent my card too smh so the edd rep fixed my address where they mailed the id form so I call bank of America to find out what's going on and the rep tells me still no I'd form and nothing has changed in my account so confused and upset I go off on the rep causing her of lying to me so she put my account into a referral state where I had to go into the bank and put some kind of fraud notes my account unknown to me. So I went to the bank with the secondary forms of id my rental lease my debit card and proof of benefits but they ever looked at them so in the bank in front of manager I call verify have edd send over another verification I wait a week to call Boa this time after explaining my situation he verified that the night I got the text about edd updating my account they actually sent a release funds to boa and that same night the agent I accused of lying to me froze my account and put the negative notes in it please pull the recorded calls this agent caused my benefits to get terminated behind her malicious actions and why so any different boa reps completely just lied about my account and never getting Edd 's id verification
Consumer complaint received 2018-02-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Midwest Recovery Systems (MI)

This loan was paid in full in 2013. We have numerous Companies attempting to collect the same debt. The calls are endless, harrassing, threatening and unacceptable. They are claiming to be collecting for XXXX XXXX XXXXThey are calling Family members of mine. Stop breaching my right to financial privacy.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, 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)

On XX/XX/2018, I entered a XXXX store to open an account. The rep at the store told me that they would run a soft inquiry of my credit report. Well they lied to me and ran a hard inquiry on my credit. I therefore called TransUnion and requested that they investigate and delete the hard inquiry. They subsequently told me to call XXXX and ask for a " letter of deletion, '' in which I did, only to have XXXX to tell me no, that they would not do it. I plead with them because their rep at the store lied to me and told me that it would be a soft hit, but they still would not send me out a letter of deletion, but instead told me to contact this website to assist myself with the problem. Inevitably, I need this inquiry taken off of my credit report because I was mislead unscrupulously that it would be a soft inquiry and not a hard and XXXX is unwilling to do anything about it.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WA)

I need help getting the dispute results for Equifax # XXXX. I have looked at them online through my phone. I don't have internet access at home and can't print them off at home. I went to the public library and attempted to access them there and got a message that Equifax needed more information to verify my identity. I called them in an attempt to rectify this matter and they said they had nothing to do with the website. Finally the Saturday of XXXX XXXX weekend, I called and spoke to a rep and requested they be mailed to me. I called the following Wednesday and the rep that I spoke with was able to verify the report was sent the previous day. I called and spoke to another rep and requested that the report be sent to me. I was told this could not be done because the results were available online. I told the rep my situation, but she didn't seem to care. I have waited the required 10 business days and the dispute results have not yet shown up.
Consumer complaint received 2021-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In XX/XX/2021 I initiated a dispute with TransUnion credit bureau regarding incorrect balance information being reported on my credit report. The balance information they are reporting is from the month of XXXX and it is inaccurate and affecting my credit score in a negative way. I contacted the credit union, XXXX XXXX in XXXX and advised them to contact TransUnion directly and make them fix this error before XXXX. I was told by the Director of Consumer Lending at XXXX XXXX  that their credit reporting updates occur every month on the XXXX. TransUnion refuses to update my credit card balance and when I issued a dispute with them directly, I was sent a deceitful letter dated XX/XX/2021 explaining that no update is necessary!! My new credit card statement date is XX/XX/2021 and it clearly shows that my balance is {$40.00}. These facts make it clear that TransUnion is not working on behalf of the American Consumer and this bureau needs to be shut down!! Their investigations unit NEVER DISPUTES CONSUMER COMPLAINTS PROPERLY OR ACCURATELY. TransUnion remains in violation of FTC regulations. TransUnion refuses to update my new credit balance and increase my credit score which will be the next course of action to take place in XX/XX/2021.
Consumer complaint received 2018-02-20
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Windham Professionals, Inc. (FL)

XX/XX/2017, I was contacted by XXXX XXXX  regarding a debt to XXXX XXXX XXXX XXXX. The person who took the call indicated that my account was in default and to be removed from default status, I need to setup a payment plan. I was told that I needed to make 9 payments of {$5.00}, once the 9th payment is received my account would be moved out of default. During the call, I was asked a series of financial questions. After provided this information I was told that I would receive information regarding the debt and payment plan. I never received. 
I was told that I needed to setup payment to be withdrawn from my bank account. I advised the person that I would send certified money orders to the XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, GA XXXX. I sent multiple payments to the PO in XXXX, which I was told they received. I was told that I would receive information regarding the debt and payment plan, which I never received. I contacted the XXXX XXXX XXXX in XXXX and was advised by supervisor that my account was not on a payment plan and that I needed to contact the collections agency. I did. And was told they had no clue to what I was speaking. After multiple calls to a collections rep. who indicated that the person I spoke with back in 2017 failed to do their job. XXXX indicated that she would set the account up on a payment plan. I then called the XXXX back and asked to speak with a supervisor who assisted me on filing a formal complaint against the collection agency for failing to do their job properly. Which is to provide detail information on the payment plan from 2017 and any related information pertaining to the account. I was not advised how to dispute the amount/debt which I feel the amount is incorrect. I've reached out to them ( XXXX and XXXX XXXX  ) many times for additional information and have not received anything. Please help.
Consumer complaint received 2022-01-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

This is in response to a complaint I submitted to the CFPB XX/XX/XXXX. number XXXX. I pointed out that the consumer reporting agency was in violation of the FCRA regulation that required them to respond to a dispute within 30 days. Experian, however was unresponsive to my demand by adding another 30 days to the already 90 days it has taken for this investigation I requested that they remove the disputed item since they failed to respond within the appropriate timeframe. 
I specifically stated in the complaint that as of XX/XX/XXXX, I have not yet received a response regarding the investigation results regarding the following account.XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-02-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NJ)

I am in the process of completing a loan modification with Shellpoint Mortgage Services over the past 6 months. I was approved for the loan modification after providing documents and personal information. I was then told by my assigned Shellpoint single point of contact ( XXXX XXXX ) that my interest rate would remain at 3 % for the loan modification. She said all I needed to do was pay my 3 monthly trial payments and then I would received the loan modification document in the mail to sign and then start payment on my modified mortgage. I just received the loan modification document ( XX/XX/XXXX ) and the interest rate is at 4.5 %. That is 50 % higher than I was told it would be and I have to sign the loan modification document and send them back by XX/XX/XXXX or my home goes into foreclosure. I also made 3 trial payments totaling {$6300.00}. I feel I have been 'bait and switched '' with a promise of a low interest rate and now have no choice but to enter into this modification. I already paid {$6300.00} in trial payments under the promise that the modified mortgage would have a 3 % interest rate and if I walk away my house would go into foreclosure. This was an attempt to deceive me into paying my trial payments without giving me a choice but to accept a high interest rate for the modification. I spoke with XXXX XXXX ( Shellpoint Loss Mitigation Supervisor ) on XX/XX/XXXX and he told me that he would notify the investor of my situation but has never seen them change an interest rate in a loan modification. He said this would take at least 15 days which is after my signed loan modification is due anyway. I have been deceived by Shellpoint Mortgage Services and put in a terrible position. Please rectify this situation by lowering the interest rate to 3 % on the loan modification.