davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-16
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. (GA)

Accounts had been opened in my name as well as inquiries, my information has been compromize in recent data beaches, an FTC report had been filed and a police report # XXXX. 
Please block these information from my credit file.
Consumer complaint received 2022-06-19
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. (GA)

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

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 consumers 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 the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right 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 : 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 2018-05-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (RI)

On XX/XX/XXXX I made a large purchase with my XXXX Credit card. It was order number XXXX and the amount was {$1500.00}. The order was messed up completely. Parts of it arrived damaged, parts of it arrived with pieces missing and one item, a table was not delivered for several weeks and then when it was finally delivered we were basically told that we could not inspect it and there were scratches in that. My wife and I each contacted customer service several times. Initially they refused to accept returns on the items and then they later said they would give us a 50 % refund. Several weeks passed and we were contacted by customer service to confirm that the table was finally delivered on XX/XX/XXXX. We informed them about the nightmare we had experienced. We also informed the customer service representative that we had been offered a 50 % refund and were given a very difficult time with the customer service representative claiming that they needed to pull calls and would not offer a refund like that. 
We would like to invoke the special rule for credit card purchases.
Consumer complaint received 2022-03-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MI)

We were on a covid 19 forbearance for 6 months in XXXX we sent in a request for an 180 day extension the request was denied we requested again and again denied. No notice was given that our house was going to a sheriff sale until I received a letter stating that my house was sold on XX/XX/2022 that letter came on XX/XX/2022 so was this some sort of secret sale because I have done alot of research and can not find anything about this now or in the past so if Rushmore Loan did this they did it in secret or this other person is lying who sent me the letter. We should have received the 180 day extension but were denied. Also a couple of questions that Rushmore has not answered. My brother XXXX who was responsible for the loan past away a few years ago I notified them they bought the mortgage from XXXX  without knowing this I told them my wife and I are current residents and homeowners for this property my brother had mortgage insurance in case something happened to him this was part of the original mortgage but after he died they said XXXX  there was none I still have the original mortgage showing it was apart of it so my brother always thought it was there so something happened to it without anyone 's knowledge or approval also at the time my brother signed the mortgage there turned out that there was no equity so my brother was going to walk out however XXXX gave him a {$10000.00} side loan which he later told me he felt pressure to do and sign to get the mortgage I do not know what to call that type of lending practice. I am almost XXXX XXXX XXXX this was my family home so I know that it is my death sentence if I have to go homeless I have asked for our 180 day extension and maybe as things get better we can work something out. Thank you for your time and being there to help. I think this was a FHA loan but I know it was a government backed loan also I have the documents showing the side loan even the folder it came in labeled side loan. THIS IS A COPY OF THE ORIGINAL COMPLAINT XXXX, FILED XX/XX/2022.
Consumer complaint received 2018-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

I asked XXXX  to remove.this old 12yr .account They say they did .but the red late marks still exist. 
The problem.is that the student loan put me.in forbarence and mamy times. Once.a.whole.year So at that time I was told I didnt have to pay But the loan company continued to hold me to the payments and add all these unnecessary fees When I first got the loan I was a child XXXX years old poor, living in the projects with my mom The school persuaded me to get this loan. When I didnt even know what a loan was. It was for {$7000.00}. Now over 30yrs later its about {$14000.00}. I want all thoes fees dropped and all the money I ever paid to be applied to my original {$7000.00}. The Loan company which is no longer in existance still has derogatory late fee marks on my credit. If the governor dont go back to the original amount from 1977, I am going to stop paying all together and then they will get none of the money back I dont care if it goes to XXXX. I OWN NOTHING for them to take anyway. I am getting ready to retire and enough is enough. I have rights too And by.law the loan company dont have a right to put stuff on my credit report without my permission. As of now I am suppose to be in forbarenced but if I stop paying they report it on my credit report as late or not paid as they have done in the past. Yhe old companies lied and swindled me and other students. Much of what was paid by me and other students was never even applied or recorded and still marked as late which is why they went out of business I want 1The residue of any red or negative remarks remove from my credit from past years and 2. My.loan returned to the original amount and all that Ive paid applied to that amount.

3. Any of my rights the Loan company has not abided by to be honored.

Ive been working in the XXXX  XXXX  for over 10 yrs. XXXX XXXX  and XXXX XXXX. I applied for Forgiveness and no response returned. Please help thanks. If you need more info please email me at XXXX or XXXX and in the subject put. For Ms XXXX consumer help. Thanks for listening. 

Please publish without my email address .thank you.
Consumer complaint received 2018-05-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

The company states 4-5 business days and 7-10 business days ( depending on working holidays ) for transactions to complete. They state this time frame is due to the bank, not them personally. I purchased onXX/XX/XXXX. It almost immediately showed up as a pending transactions. It completed posting on the XX/XX/XXXX. 

At the latest, my funds should have been available on the XX/XX/XXXX. To this day, the digital currency is still being held and I'm unable to access or transfer it. 

I've reached out to the company 's email and phone. They claim a " specialist '' will contact me but never do and there is absolutely no timeline for when they will. It seems like they're mocking the fact they are holding my funds for no reason and there's nothing I can do about it. It's unbelievable. 

I've completed all forms of verification, including sending the front and back of my ID. I completed the instant bank verification. I even completed a smaller transaction during this waiting timeframe and it's cleared just fine. They completely refuse to help. Can you assist me please?
Consumer complaint received 2022-03-05
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. (PA)

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX has Failed to show many any proof. Who conducted the Investigation? XXXX XXXX BANK Is being incorrectly reported on my XXXX credit Report
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I already called several time and wrote a letter for Citibank about this issue but they still refuse to give me a credit. On XX/XX/2021, the merchant : XXXX XXXX XXXX in XXXX charge me for a service that I did not authorized. So, I went back to XXXX personally to clarify this matter and the merchant informed me that this was a mistake on their part. Unfortunately, they told me they don't issue credit there, and that to ask my bank for the credit and their bank at their end will take care of it as well. However, until now, Citibank has refused to issue me a credit of {$920.00}. I already fax my letter explaining what happened. Everytime I called citibank, I was told that it will be handled accordingly, but until now, I am still waiting for my credit of {$920.00}. 
I have been a loyal customer with Citybank for over 10 years, and I pay my bills in full on time. 
Please help me get resolution on this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-06-19
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: Experian Information Solutions Inc. (GA)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am demanding that the reporting of this information be blocked and deleted. I am constantly being violated. I am suffering from mental anguish, and my reputation is being ruin by this. I am constantly being denied things. I have made complaints. I have disputed transactions. I have sent certified mail to the CRA 's. The CRA 's are saying they haven't gotten anything in the mail, or complaints. Per XXXX XXXX XXXX at XXXX XXXX These companies do what they want to do. This is my life. I also did a complaint with the CFPB and FTC for identity theft. They are required to do what I am asking and block and delete these transactions from my consumer report in four days from the date of the receipt of the notice.

15 USC1681 15 USC 1692B ( C ) 15 USC 1611 15 USC 1681 15 USC 1681C ( 2 ) 15 USC 1602 15 USC 6801 31 USC 3729-3733 Per the USC codes above I'm being violated. I demand that this stops immediately.

Please see attached
Consumer complaint received 2018-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

The problem was with a credit reporting agency ( Experian ). I asked them to lift my security freeze for my financial company, and they told me they did, when I went to my financial company, the security freeze was still on my report. I kept calling Experian about the situation, and Experian kept telling me that it is unlocked. My financial company could not pull my credit report because it showed that Experian didn't unlock it even though Experian said they did. I kept calling Experian and they kept telling me they unlocked my report. Now, I have to wait until the lock is actually back on the report, and do it myself. Experian kept asking me for personal information, and now I believe that I've been set up for ID theft.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

This issue has already been addressed, but it was addressed in a way that was overly burdensome and opaque to me, the consumer, so I want to request that the Consumer Financial Protection Bureau look into it. 

This morning ( Monday, XX/XX/2024 ), I tried to sign up for energy service from XXXX XXXX for a house in North Carolina that I am in the process of purchasing. XXXX XXXX would not allow me to sign up for service until I unfroze a fraud alert I placed on my account with Experian last year. The alert was purely precautionary, in response to my suspecting that someone may have been trying to steal my identity. No actual identity theft happened. I needed urgent help removing the fraud alert since I am moving into the house at the end of the month. 

I visited my online account with Experian to try to remove the fraud alert online. All I could find was instructions for how to mail them my request by snail mail. There was no information about how long it would take for them to process the mail, whether there was a fee involved, or whether there were any options to expedite the process. I called multiple numbers listed on their website for help, but their automated assistant program refused to connect me to someone whenever I stated that I needed help removing a fraud alert. Whenever I did that, the system directed me to the snail mail instructions on the website, which did not answer my questions. Only when I called Experian and stated that I wanted to speak to them about a membership issue did the system agree to connect me with a human representative. That person was lovely and quickly helped me remove my fraud alert over the phone, so I had no issue with the actual representative. But it took me six phone calls to multiple phone numbers, lots of waiting, and disregarding the automated system 's instructions to actually get the help I needed. 

It is unethical for a company to make it so challenging to remove a fraud alert for an urgent matter like having energy in my home. And it's unethical for the company 's website to make it seem like snail mail is the only option for requesting removal of a fraud alert. 

Please investigate this matter. I'm sure you will find cases similar to mine. I have paid Experian for membership and given them a lot of personal information about me. They have an obligation to handle that information, and my wishes with it, promptly and responsibly, and this morning 's experience showed me that they are not fulfilling that obligation.
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

Step 1 : What is this complaint about?

Unable to freeze my credit : XXXX XXXX and Experian Step 2 : What type of problem are you having? 

XXXX XXXX and Experian both sent me in loops, with no ability to freeze credit. I was offered several times to buy into XXXX XXXX or XXXX  Experian services. 

Step 3 : What happened?

I wasted over an hour attempting to get my credit frozen. Overseas reps and third party vendors were only interested in the sale, then they transferred me. I confirmed my SS # reluctantly SIX times.

Step 4 : What company is this complaint about? XXXX XXXX  and Experian Step 5 : Who are the people involved?

15 nameless individuals who could probably never be found. XXXX XXXX and Experian know that locking or freezing ones credit isn't part of their profit model, so why make it easy if they're not being regulated to do so or even monitored.
Consumer complaint received 2018-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (TN)

I received a notification today that Chase was increasing my interest rate from 11.24 % to 16.24 % simply because as stated on the letter, because the existing APRs are below the lowest APRs we currently offer. On the front and back of the letter, for everyone to see was the following statement : Important Information Enclosed Changes to Your Account. First, I am not happy that they have just decided after 13 years, that they need to gouge me with an interest rate of 16.24 % which is absolutely unconscionable in todays market. If they routinely charge their best customers that type of interest rate, I would hate to have missed a payment in those 13 years. I can only imagine how high the rate could go in that situation. Anyway, back to the letter. As I understand the privacy rules, Chase should be protecting my information, not publishing the fact that I have an account with their bank on the front of a mailing for the world to see. This was not even in an envelope, it was a Tri-Folded paper barely glued on the ends. Inside was the last 4 digits of my account. Anyone who knows anything about credit cards could quickly determine 12 of the 16 digits of my account simply by using one of Chases BIN and  the last four digits they provided in this very insecure mailing. That leaves only 4 digits to figure out. How long would it take for a computer to crack the code on that one? This was a very important notice. This is a notice that Chase should have to prove that the customer received. The fact that they just mailed it does not prove that a consumer recieved it. To be honest, I almost threw it away because it looked like junk mail. This is a change in the contract, not an adjustment based on the terms of the contract, but a change in the basic contract itself. Finally, I understand that Chase has itself covered from a legal standpoint on the interest rate adjustment, but I find it a very unfair practice to only adjust rates in one direction, that being up. Would it not be more fair to all the other consumers who have paid their accounts on time to recieve an interest rate reduction since obviously prime plus 5.99 % is more than a fair rate? I have closed the account with Chase because that was the only way not to have the rate increased, but this is not a fair way to treat consumers. Note that the attachment shows the condition of the notice as it was recieved.
Consumer complaint received 2022-03-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (SC)

Closed account with XXXX, returned their equipment with my forward address after my home sold in XXXX  and left XX/XX/XXXX for XXXX XXXX XXXX  mailed me a bill for for {$110.00} for 6 days services in my new residence in XXXX XXXX. 
Billing explained to me I was liable for the whole amount even when I only used the services for 6 days into the billing cycle. 
Communication with a supervisor in XXXX couple months later told me that I did not had to pay the full amount and ( XX/XX/XXXX ) of {$110.00} would satisfy the debt and it was agreed to pay {$27.00} which I send them a check. 
In XXXX XXXX  try to collect again using a collection agency and upon my providing all prudent information collection agency dropped their collection effort. 
Apparently XX/XX/XXXX XXXX turn the " debt '' to a different collection company if an effort to collect {$86.00}
Consumer complaint received 2022-06-19
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: Experian Information Solutions Inc. (FL)

Upon reviewing my credit report, I noticed several fraudulent accounts have be opened using my identity. I did NOT authorize these accounts and I have reached out to all of these collectors asking for anything thing with my wet signature and none of them were able to furnish anything I signed. I have reached out to them THREE times in writing asking them to remove these fraudulent accounts from my report and haven't gotten a response. It have been over 90 days. The fraudulent accounts that I noticed on my report are listed with the amounts, account numbers and name of collector below : XXXX ) XXXX XXXX account XXXX Date Opened : XX/XX/XXXX amount : {$410.00} XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account number : XXXX Date opened : XX/XX/XXXX amount : {$1500.00} XXXX ) XXXX ( Original Creditor XXXX XXXX XXXX  XXXX XXXX ) account XXXX XXXX XXXX Date Opened : XX/XX/XXXX amount : {$8200.00} XXXX ) XXXX XXXX account number : XXXX Date Opened : XX/XX/XXXX amount : {$600.00} XXXX ) XXXX XXXX account number : XXXX date opened : XX/XX/XXXX amount : {$600.00} There were also a stream of inquires that I didn't notice from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX
Consumer complaint received 2018-12-17
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. (NJ)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.