davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-16
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: EQUIFAX, INC. (NC)

I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
Consumer complaint received 2021-07-19
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: EQUIFAX, INC. (OH)

On XX/XX/2021 I went to XXXX XXXX website inquiring about business credit. During the application process instead of putting my social security number I put my business EIN because it was supposed to be for business credit not personal credit and I submitted the application it gave a pop up page saying to further my application I need to call. I called and spoke to a lady and explained to her that I was trying to apply for business credit so I didnt disclose my social security number but I put my business EIN number and she explained for that specific card they would need my social security number so I asked her if its gon na be a hard inquiry on my credit report and she said yes and I told her no I didnt want to do that and she recommended I go back to the website and apply for the other business credit card because I could use my business EIN for that one so I did and it gave me the same pop up and I called and spoke to a different lady and she explained they would need my social security number and I told her no thank you because I didnt want this going on my credit report. I made everything clear as to not go with the application if it was going to go on my credit report as a hard inquiry. I never gave them my social security number and I have been trying to get both inquiries removed since then. Nothing is helping and its frustrating because this shouldnt have happened. Im sure our conversations were recorded.
Consumer complaint received 2021-06-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NV)

XXXX, Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion has an account listed under my name that is an old, obsolete and out of date account. They have this account with a date of last payment as XX/XX/XXXX If we were to use this date and then count 7.5 years that account should have been removed from my credit file on XX/XX/XXXX yet they still have this account listed. They are costing me financial hard by continuing to publish and report old, obsolete, and out of date inaccurate information on my credit file. 

XXXX TransUnion XXXX  XXXX  Account # : XXXX Account Type : Installment Account Type - Detail : Educational Bureau Code : Individual Account Status : Transferred Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$21000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX Comments : Account closed due to transfer Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Month XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK XXXX XXXX OK OK OK XXXX XXXX  XXXX  They are also maintaining incorrect personal data. The following addresses are not my address, in fact the second item on this list in not an address anywhere in the world, so can they have it listed on my credit file is beyond me. These two items should be deleted post haste. Time is of the essence. My one and only address is XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX  XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, NY XXXX XX/XX/XXXX
Consumer complaint received 2021-06-01
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 — Problem with personal statement of dispute
Company: AMERICAN HONDA FINANCE CORP (FL)

I fell ill due to XXXX  and I was unable to make my payment which caused me to have a 30 day late payment. While being ill I spent a lot of time trying to get ahold of someone who can help me over the phone. The payment was 30 days late. I have NEVER in my life been late. Especially with this company. This is my 3rd account with American Honda finance. I have spoken to customer service and I wrote a letter explaining my unfortunate circumstances and I was denied. I dont think it was right as it was a health related issue that I could not control. I should be able to get a one time courtesy as before and after that late payment Ive never been late. I understand business is business but I was fighting for my life and not able to get this one 30 day late payment removed
Consumer complaint received 2021-07-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2021-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (TX)

I might of been hacked or hacked and have been reaching out to XXXX  support about the issue since XX/XX/XXXX. I lost access to my XXXX phone number that is tied to my coinbase and coinbase pro accounts. I used XXXX XXXX  for XXXX  authentication and when I set that up I saved my recovery key in case my phone was lost, stollen etc. On my new phone I used the recovery key to generate the authentication codes on my new phone but the keys are invalid. I filled a complaint with the XXXX after getting a response via email saying my issue has been escalated and a specialist will be in contact with me within five days. I do not get contacted back about my issue until I sent multiple replies asking why it is taking so long. It has been almost six months and I still can not get access to my account I have had with coinbase since around XXXX or XXXX. The help desk contacted me back finally and asked me to make a temporary account and only upload my ID and take a selfie with my webcam to verify my identity so they could verify my account and add my new phone number. I did this over a week ago, I have done everything they asked of me ; including following all the FAQs. I have sent replies asking about a time frame to update my account and have yet to get a reply back when the help desk specialist said they would.
Consumer complaint received 2020-07-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (AL)

I opened an online account with SunTrust in the amount of {$75.00} on XX/XX/XXXX XXXX After being processed I was sent an email days later stating I needed to make a deposit which {$50.00} of the {$75.00} was suppose to go to my checking and the other {$25.00} was to fund my savings .I had not received a debit card nor the check when I made the first deposit of $ XXXX.XXXX. A second deposit of {$79.00} was made on the XXXX and a 3rd deposit of {$29.00} was made on the XXXX. 
Thursday morning as I'm checking to see if the 3rd deposit has post, My account has been restricted and it's instructing me to call the 1800 number listed. With no warning, email or call I find out my account is closed. After speaking with several representatives no one could tell me why my account closed.With no access to my funds I'm left waiting for an investigation on my account and no way to get my funds. I make my money by double gig jobs and that was the only money that I have..That money was to fund grocery for my daughters, and pay the balance a {$30.00} remaining balance on my electric bill .... I don't have anyone I can turn to for financial help ... ... this has really inconvenienced me, as I had already taken a major loss with COVID-19.
Consumer complaint received 2021-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

I have a account on coinbase.com with XXXX XXXX  in my wallet. I've bought XXXX XXXX on XX/XX/21 and another XXXX on XX/XX/21. Since then I can not sell, buy, send or receive any of the coins. I have access to the account but always get the message that they have to verify/examine my account and this should take XXXX or 2 days. 
So I contacted the support on XX/XX/21 to ask how long this will take and that. I want to send my coins to another wallet or sell them and need access. 

Here is the answer : " Hi XXXX, Thanks for following up with us. 

We hear your frustration, and we understand this is not the most ideal experience. Were currently receiving a high number of requests, but our team is working diligently to get to your account review. 

In the meantime, please do not submit multiple support requests as this could cause further delays. We will contact you as soon as we have an update. 

Regards, Coinbase Support '' Since then I contacted support every 2-3 days. The last email was yesterday XX/XX/21 and all I get is the same answer an no help. I still can not access my asset. 

So I've contacted the FRC to help me with this case and they gave me the link and asked me to contact the consumerfinance. 

I kindly ask you to help me to get access to my assets. 

Thank you in advance! 
XXXX XXXX XXXX
Consumer complaint received 2018-03-02
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. (TN)

I didn't authorize the following inquiries : XXXX XXXX XX/XX/XXXX Finance other than personal XXXX XXXX XX/XX/XXXX Finance other than personal INFORMATIVE XX/XX/XXXX Miscellaneous and public record XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XX/XX/XXXX Credit card and travel / entertainment companies XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it. 

XXXX XXXX XX/XX/XXXX This account has never been late. Have them to provide proof. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This account was never late. Have them to prove it. 

XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it.
Consumer complaint received 2021-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (VA)

Section 604 requires a credit bureau to remove this XXXX XXXX XXXX XXXX so many corruptions, human rights violation, Section 604 violations and VAWA act violation ( VAWA Act protects XXXX XXXX life ) and XXXX  hate crime violation ( Windsor Washington is Asian American ) ] in the Honorable XXXX XXXX  credit report. Section 604 and VAWA act protect the XXXX XXXX XXXX and his children. Section 604 instructs credit bureau to remove this in the XXXX XXXX  credit report in this pandemic. XXXX XXXX has resided in XXXX XXXX  capital belt area. ( Not in XXXX  XXXX. 

The United States of America federal government protects the Honorable XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX case # XXXX, special immigrant protection, Approval ) - attached file the XXXX XXXX Governments special protection legal documents. 
This verified federal document gives special protection for The XXXX XXXX XXXX XXXX Full custody ) and his children
Consumer complaint received 2018-03-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

I recently inquired at various banks and direct lenders about taking out a HELOC to help pay for renovations on an investment property. I was put on a robo call list for Loan Depot after I made an inquiry on XXXX online. I was specific about my HELOC product when I filled out the initial screener questions from XXXX. 

I spoke to a representative from Loan Depot on XX/XX/18. I again reiterated with the screener that I was interested in obtained a HELOC on a rental property to pay for renovations. He assured me that was not a problem and would hand me off to a licensed individual with their company to ask a few more questions. 

I was then put into contact with XXXX XXXX XXXX XXXX Licensed Lending Officer NMLS # XXXX Phone : ( XXXX ) XXXX email : XXXX We spoke on the phone at length and he asked a few more questions about my goals and personal information for the online application. A no point did he clearly state that he was applying for a new mortgage on my rental property and never discussed that his company does NOT offer HELOCs on rental/investment properties. 

Only after completing a hard credit check and then discussing the various options did I figure out he was only trying to price me out on a new mortgage. He never apologized and became very defensive when I stated that I was only interested in a HELOC and was upset that he wasted my time ( and credit check ) on something I was never interested in. 

I spoke to his manager later that evening ( who was much are respectful and responsive to my situation ). Ultimately, I do not know if this was an honest mistake or if this is the result of some underlying corporate drive push aggressive sales tactics ( a la XXXX XXXX ) or maybe due to some overzealous licensed mortgage broker who is gunning for extra commission ( XXXX XXXX ) or maybe even a combination thereof.
Consumer complaint received 2021-12-08
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. (FL)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (TX)

I applied for Wells Fargo active cash card with the promotion of cash back and 0 % APR for first XXXX  months. I have already fulfilled the conditions for cash back bonus but I haven't received my cash back bonus yet.
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

Today, XX/XX/2020, I receive an alert that my credit score tanked by 37 points from a {$190.00} medical bill I somehow missed. I paid it immediately. Over a year of working diligently to get my score up, watching it slowly. CRAWL up a couple points at a time ... one mistake and it tanks 37 points?! In XXXX I paid my ONLY debt down from {$7000.00} to {$3500.00}. My credit score went up 32 points. I owe XXXX and it plummets by 37 points?! This is ridiculous and a SCAM! I am at the mercy of these agencys formulas and have little to no control over how my data is used! Who is holding these agencys that make a profit off of our data accountable? When looking at the different categories on the credit score, like on time payment percentage, available credit, credit inquiries and amount of debt, I have either Good or Excellent ( higher amount of excellent than good ) in all categories and yet my score is below average? Something needs to be done and some serious REFORM needs to take place. Thank you for passing my complaint ( rant ) on to anyone who will read it. # XXXX
Consumer complaint received 2021-06-01
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. (NY)

This investigation is not right it has to violate some type of law. They have disregarded a police report that was sent out to them. They are not following human law. They are completely not caring or giving any insight into how it is even possible for this account to be on my report. This account is not right. I HAVE DISPUTED THIS ACCOUNT MORE THEN THREE TIMES WITH A POLICE REPORT THEY TOLD ME THAT THE ACCOUNT WOULD BE REMOVED BUT THEY NEVER EVER REMOVED IT. Its been more then to long for a fraudulent account to be on my report. If I dispute account as fraud it should be removed then a reinvestigation should take place. This is totally wrong why are y'all doing this to a loyal client it is FRAUD it is FRAUD it is FRAUD. I have attached a police report for the 4th Time this is not my account. Proof of my id & police report attached.
Consumer complaint received 2021-06-01
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. (TX)

XXXX is cross referencing my name with a XXXX XXXX formerly XXXX. I have a XXXX credit card with them and the other XXXX XXXX has an auto loan. On the XXXX application I see her auto loan along with my credit card account and the account name references XXXX XXXX not XXXX XXXX XXXX. Ive reached them multiple times and have done nothing. This has caused other of XXXX XXXX debt to come to my credit reports. I was able to dispute that with credit bureaus but I am afraid that they will keep associating me with this person. Please have XXXX and credit bureau from cross-referencing me with this XXXX XXXX. Thanks, XXXX
Consumer complaint received 2021-06-01
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: JPMORGAN CHASE & CO. (TX)

Chase is cross referencing my name with a XXXX XXXX formerly XXXX. I have a Chase credit card with them and the other XXXX XXXX has an auto loan. On the Chase application I see her auto loan along with my credit card account and the account name references XXXX XXXX not XXXX XXXX XXXX. Ive reached them multiple times and have done nothing. This has caused other of XXXX XXXX debt to come to my credit reports. I was able to dispute that with credit bureaus but I am afraid that they will keep associating me with this person. Please have Chase and credit bureau from cross-referencing me with this XXXX XXXX. Thanks, XXXX
Consumer complaint received 2019-08-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NJ)

One Main Financial charges extremely high interest rates and none of the payments have gone to principle only interest. I’ve tried to resolve but was only lied to and told a payment would be drafted XXXX days if I set it up - but was actually taken out the next day causing other items to go delinquent.I have received multiple phone calls daily - which should not be happening
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, 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. (GA)

I have had an open line of credit for over 7 years yet only 2 years of my credit is being reported by Experian, XXXX, and XXXX.
Consumer complaint received 2021-10-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NC)

Was making my payments on time and the loan company keeps reporting me that I'm not making my payments on time. Yet it's shows on my bank statement I was. I tried to get them to fix it but they won't do it. There reporting it many times and my credit score keep going down. I need help. This lian company won't listen to me.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX Bank does not follow Regulation B and literally asks about marriage status for credit reporting, does not report authorized user on a credit card to my credit report even though I have provided my ssn and they are by law supposed to do that, supervisors never call back and agents purposefully avoid getting a supervisor and go so far as to disconnect the call when I request a supervisor or who their primary federal regulator is. This happened to me today with an agent XXXX who would only provide her first name and refused to provide an ID number. I am a credit card agent for a major XXXX Bank and International so am very shocked by all of this.