davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (OH)

On XX/XX/XXXX I received an email from chime banking saying there was an issue with my account. And that account I had my tax refund with a remaining balance of {$19000.00} roughly. Within that email I was told to send proof of address, proof of ID which I sent the very next day. A few weeks go by I was told that they needed secondary identification which was my Social Security card and a selfie of me holding the ID. After I sent all of the information they asked for I received an email today which is XX/XX/XXXX saying my account was closed and I am not entitled to a refund. My tax refund was stolen from me I am unable to pay my rent I have a XXXX-year-old son and I have needs that need to be met. I was counting on that money and it was stolen from me by chime. I received my income tax and wanted to be responsible so I left the money on the account but that was not a good idea. Please help
Consumer complaint received 2022-10-14
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. (NC)

I have sent my dispute letters to Credit Bureau numerous times and Credit Bureau is refusing to investigate into existing problem. I have pulled my report from all three credit Bureau in order to COMPARE my reports and I found numerous incorrect information and DIFFERENT information on each Bureau ; I can tell they didn't even try to verify information from my dispute letters. I have also obtained my report from three different sources who provide credit report, so I can proof now, they my rights as a consumer were violated. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. 
I'm exploding my rights and I'm filing complaint to Attorney General as well.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Experian will not delete the Bankruptcy from my credit report. They are in violation of 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 or public record without my written instructions.
Consumer complaint received 2021-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I mailed a letter to XXXX  on XX/XX/2021 and Transunion on XX/XX/2021 letting these companies know that there are two accounts showing up on my credit profile that does not belong to me and requested that these two accounts be block and removed. I also contacted the creditors furnishing these account on XX/XX/2021 and requested proof of ownership and have yet to receive any documentation. Despite me providing appropriate proof of the identity, copy of an identity theft report, and a statement identifying the information, these companies still did not remove and block the WFC account # XXXX account and XXXX XXXX XXXX account # XXXX from my file as regulated by law. 

According to the FCRA 605B ( 15 U.S.C. 1681c-2 ), a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of 15 U.S.C. 1681c-2
Consumer complaint received 2023-03-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ready Capital Corporation (LA)

With incredible frustration, disappointment, and failed attempts to negotiate the terms of my loan agreement in good faith. I can no longer move forward in pursuing a mortgage loan with GMFS to finance the sale of the property listed at XXXX XXXX XXXX, XXXX XXXX, LA XXXX. Before completing XXXX XXXX XXXX XXXX XXXX course on XX/XX/XXXX, I was not provided any information regarding the debt-to-income ratio for the financed portion of the loan, which was later confirmed at forty - eight percent. This would cause unnecessary hardship for my family and likely result in foreclosure after entering the agreement for the aforementioned property and acknowledging my concerns. Despite the loan amount, I was assured that several loan products and options were available to consider and negotiate a more reasonable payment. However, only the terms of conventional loan financing were disclosed and presented in writing, eliminating other loan financing options, even after expressing my desire to obtain such funding, including a housing assistance program I qualified for. As a result, the obscurity of details to properly consider all financing options has prevented further negotiation and agreement on the loan terms. I The lending practices mentioned above have also resulted in unnecessary and additional unforeseen expenses to obtain legal assistance. These practices have caused an unnecessary and avoidable stress response that has impacted my entire family. Please understand my efforts to exhaust every option to resolve this with the lender, but none have been successful. 

Attached below are communications from GMFS and my follow-up to that response.
Consumer complaint received 2023-11-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (TX)

I requested a deferment when I lost my job at or around XX/XX/. On XX/XX/, Nelnet advised I needed to submit additional paperwork and I uploaded the requested documents to the website. Nelnet said to expect a response in 7-10 days. I never received one, rather on XX/XX/ I was informed my payment was past due and there is no record of my request for deferment other than the email I received and the forms showing uploaded on XX/XX/. I again re-submitted documentation on XX/XX/XXXX and as of XX/XX/ was informed : -- - We've received your request regarding your student loan ( s ), and it's currently being reviewed by our team. You don't need to do anything else at this time, other than making any payments per your latest statement. You will receive additional communication from us regarding your request within 15 to 20 days. 

Remember : We're always here for you! If you have any questions, please give us a call at XXXX, and we'll do everything we can to help you stay on top of your loans. 
-- - I've tried calling, but told there is more than 85 minutes of wait time in the past. Today, XX/XX/, I called right at XXXX XXXX and was told it would be 1 minute wait. After 25 minutes I was offered a call back and am waiting for that.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have membership with all three credit bureaus agencies XXXX, XXXX and TransUnion. Who allow me to dispute incorrect information on my credit reports. I pay XXXX {$4.00} each month for credit plan, I pay XXXX {$4.00} each month for credit plan. I also pay TransUnion {$24.00} each month for credit plan. I dispute student loan on my credit report that should be closed and not open. Because four month ago I file complaint against XXXX XXXX XXXX XXXX. About me owing {$45000.00} in student loans. I feel I have been taking advantage. By me being XXXX man who was held back in not graduating with XXXX XXXX degree. Who only borrow {$5000.00} student loans. It fraud. Something using to hold me back from accessing good credit.
Consumer complaint received 2022-02-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

Hello, I was a victim of online hackers. They hacked my bank account and Coinbase account. The hackers transferred thousands of dollars in funds to Coinbase then Coinbase approved over 20 something fraudulent transactions in less than minutes, they transferred funds to XXXX XXXX and neither companies will respond by help desk nor email. Coinbase will not answer any emails, they dont have a live customer support. We have yet to receive a response from Coinbase. 

Coinbase failed to secure my account against unauthorized crypto activity and has no protocols in place to flag fraudulent transactions, they still have not even froze my account. This has been a very frustrating and emotionally depressive situation, I lost all my hard earned savings in minutes. I read online about possibly joining a Class Action lawsuit against Coinbase. Please if theres any info you can provide some legal advice I would greatly appreciate getting on a call with someone who can help. 

Thank you XXXX XXXX
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

I have been asking this company to fix my credit report for 3 years now. The company sends a response and say that the accounts are verified and never sends the proof that the accounts are my obligation. I have sent an invoice and the company didn't pay the invoice and states the information on my report is accurate. I am uploading proof that this company has not verified the accounts and they have not sent validation of the alleged accounts to me as I've asked several times. In these uploaded files you will see my credit report from this company showing several different mistakes. All of the errors are highlighted and marked. If this company really verified the accounts then they would have seen the mistakes before I did. Dates, late payments that are incorrect, some payments are not reported, no closed date, no information about who the alleged debt comes from. The alleged accounts are not reporting complete and accurate information and congress states that the banking systems are depending on the information being accurate and complete. This problem has been going on for 3 years now so I demand that the information be deleted immediately. They had three years to fix this information and it is clear that the company is willfully defaming my character and neglecting all of my attempts to fix the issue. I can no longer trust the banking systems because they are using information from a company that is clearly not really verifying and validating the accounts like they say they are. I have several exhibits showing several discrepancies. Delete The Accounts.
Consumer complaint received 2022-08-21
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-06-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (SC)

I was recently notified by mail that there was a new sale date set for XX/XX/2022, not giving me enough time to try to do anything about it. I am working with XXXX to stop the foreclosure and complete a loss mitigation application. Every time I have received an application in the mail from Rushmore, I have completed it and sent it with requested documents and never hear anything back. XXXX sent a package to Rushmore on XX/XX/2022 with no response. I gave Rushmore written and verbal permission to speak with my XXXX representative. I am willing to restart my mortgage payments with the exception they allow me to pay the Home Owners insurance an taxes separately, thus lowering my monthly mortgage payment. I started a new job at the beginning of XXXX and I'm doing well there. I have not received any more loss mitigation applications from Rushmore after giving permission to speak with the XXXX representatives. There's no communication what-so-ever. It would be mutually financially conducive for Rushmore and myself if they would consider lowering my monthly payment and allow me to pay the taxes and insurance separate. I do not think it's too much to ask. I would have happily downloaded the application from their website but they have blocked me from logging in, therefore I also can not access any previous documents regarding my account. Please advise as soon as possible, as this is EXTREMELY time sensitive at this point. Thank you.
Consumer complaint received 2023-03-10
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. (NC)

In Accordance with the Fair Credit Reporting act, The following accounts XXXX XXXX XXXX XXXX ; account # XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  ; account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

Recently I was notified through a credit reporting agency that my credit score was decreased significantly due to a credit line decrease on my Discover card. I immediately called the company for an explanation, that department was closed. I requested a line increase and was denied. I waited until Monday and spoke to a representative and their supervisor who both told me that my line was decreased due to a recent review of my credit line and I was notified via my preferences selected on my account which are paperless ( email ). I do get all other communications through email and check my email multiple times a day. I was told that to dispute this decrease or ask for a reinstatement I would have had to call back within 30 days of the decrease however I was a couple days short of this and they could not do anything to help me. I asked multiple times where this message was, I did not receive it. It is not in my email, not in my written mail or in my message center on the Discover app. I asked for confirmation that it was sent and they could not provide it. It is a law that I was provided this information, I would have liked to fairly fought for my credit line and my credit score. I was told the best they could do was to resend the information.
Consumer complaint received 2024-12-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I am filing this complaint against IC Systems due to their continued refusal to resolve a fraudulent account that is inaccurately being reported on my credit report. Despite numerous attempts on my part to address this issue, IC Systems has been unresponsive and has made resolution unreasonably difficult by shifting the responsibility onto me to contact XXXX XXXX XXXX. 

The account in question pertains to services allegedly provided at an address where I have never lived or conducted business. I have repeatedly informed IC Systems that I have no connection to this account, yet they continue to report it to credit bureaus. IC Systems has ignored the evidence I have provided, instead insisting that I resolve this directly with XXXX XXXX XXXX burden that is both unnecessary and inappropriate given that I never initiated this account. 

IC Systems actions constitute a violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : 1. FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibiting the reporting of false or inaccurate information. 
2. FDCPA, 15 U.S.C. 1692e ( 8 ) : Prohibiting the collection or communication of false information about a debt. 

IC Systems has failed to take any meaningful action to investigate or correct this fraudulent account. Instead, they have continually moved the goalpost by redirecting me to XXXX XXXX XXXX, effectively avoiding their own legal obligation to ensure the accuracy of the information they report. 

I am now demanding that IC Systems remove this fraudulent account from my credit report within 72 hours. Failure to do so will leave me no choice but to file a lawsuit to address this issue and recover damages. 

Thank you for your attention to this matter. Please feel free to contact me if you require additional information or documentation. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

Incorrect information is showing on this account and continues to be reported to the credit bureau. This was a joint account that was resolved and should be removed/not reported anymore. Information being reported is different for each agency which is causing inaccurate information to be shown on my file. Please remove this inaccurate information as it is fraudulently being reported to the credit reporting agencies.
Consumer complaint received 2023-03-24
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. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$320.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcy to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 U.S.C 1681. 

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 U.S.C 1681. 

According to : 15 U.S.C 1681 Section 602 A States I have the rights to privacy. 

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : U.S.C. 1681s- ( 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.