davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX violated my rights In accordance with the Fair Credit Reporting Act, under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. XXXX has also violated the California XXXXonsumer Privacy Act ( CCPA ) by violating my right to delete, my right to opt out, and my right to limit. I provided XXXX XXXX ( XXXX ) notices exercising my rights under FCRA, FDCPA, and CCPA and they continue to recklessly and negligently violate my rights. XXXX also has also violated my rights to privacy under the 1974 privacy act by sharing my personal information with the credit reporting agencies ; namely, XXXX and XXXX. XXXX has also committed securities fraud by using my personal information and the note attached to the installment agreement, as receivables to put into their trust and continue to make profit by continuously trading those notes on the primary and secondary markets. This is all according to their own company 's XXXX prospectus. However, XXXX failed to remit the equitable interest to me as a silent investor and bonafide purchaser into their company. They also fraudulently filed a UCC-1 in Placer County , in the state of California without proper notices being sent to me according to California law and their own contract and installment agreement. Lastly, I sent to XXXX a properly indorsed and endorsed note, giving it value, for XXXX to satisfy any outstanding financial obligations but remit to me the equity to which I am claiming all rights, titles, and interests and revoking the same from XXXX. XXXX is also in violation of 15 USC 1692g ( a ) as they have not communicated any debt owed in writing.
Consumer complaint received 2018-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CA)

I opened a coinbase account in XX/XX/XXXX. On XX/XX/XXXX i locked my account by typing in the wrong password too many times. It has been a month, i have received XXXX response or update on what is going on and my account is completely locked. I have {$5000.00} in my account with their company and it was used to purchase XXXX Lite coin which is a form of crypto currency. I bought the Litecoin for a est of {$250.00} and since the month in which they have ignored me and not given me access to my account Lite coin has since dropped to {$140.00}, causing my money to evaporate. Coinbase is a company supposedly based in XXXX XXXX. Their response is that they are back logged which is not a excuse seeing how it has now been a month. They brag about how they made Millions of dollars this year, but customers are kept waiting for months for them to address accounts that they have locked. I contacted the BBB, DCA, CFPB, and will be filing a small claims lawsuit on them next week to recoup any assests lost due to unfair business practices in which they are conducting, if my account is still locked. If you can help me please do. After looking into other complaints that have been filed by other customers this behavior with coinbase seems to be rampant and the norm, which should not be allowed by a United States company. I look forward to hearing back from the CFPB on this mattter. Thank you
Consumer complaint received 2017-11-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I have an XXXX XXXX XXXX that was paid on time. 
New bill arrived 10 days ago. Within two days, dunning robo calls began daily at about XXXX XXXX. 

Called customer service and set up payment date for end of month. Still calls are occurring XXXX days a week. 

Company is USAA.
Consumer complaint received 2018-01-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Io, Inc. (VA)

My understanding is that XXXX XXXX has assigned a debt to XXXX XXXX XXXX   for collection and based on my research the balance is now {$100.00}. I became aware of the debt based on alerts from XXXX  and XXXX and other than that have no information on the proposed debt. I received no information on any balance from XXXX XXXX and also have received no information on a balance from the collector.
Consumer complaint received 2021-07-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XXXX I sent a letter regarding inaccurate an unknown information on my credit report. To this day over 45 days later I still have not heard anything about any investigation. I feel im being taken advantage of an being ignored about my dispute. Section 611 ( a ) it clearly states that any failure to investigate these items within 30 days gives grounds for immediate removal for my credit report. It has been over 45 days. They need to be removed promptly. I demand these items be deleted immediately or I will file litigation due to the stress you caused me also my information may have be affected by the equifaxs data breach.
Consumer complaint received 2021-07-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: KEYCORP (OH)

Approximately a year and a half ago I applied for a home equity loan through KeyBank. After several months of being put off I was informed in writing that I was approved and I needed to make a trip to Ohio to sign the necessary paperwork. I expressed my concern because of XXXX and my XXXX XXXX about traveling. I was told that my brother could use power of attorney to complete the transaction for me. My brother made two trips to Ohio from Florida to no prevail the first time the paperwork was not done the second time the paperwork had some errors. I was forced to make the trip myself I was told to come to the local branch in XXXX Ohio all the necessary paperwork was ready guarantee there will be no issues. After arriving in XXXX Ohio I contacted the bank and was informed once again the bank and made errors. I was asked to stay a few extra days at my expense. I did so then I was informed that the bank had some paperwork to fix and the loan will be done soon. Meanwhile pending this whole time I had a purchase of a house I lost because of delay delay on KeyBank side. After approximately another week I got a letter denying me my loan after being told numerous of times while loan was approved. I was in contacted by a lady name XXXX that offered me {$1500.00} for my inconvenience. I found that insulting
Consumer complaint received 2018-05-30
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. (FL)

I been disputing for months, with XXXX and Transunion and the company, LATE PAYMENTS on XXXX # XXXX account that not belong to me. 
Because of this I was denied credit ; I beg you for your help to solve this problem ; I tried to fix this inaccuracy myself but I never received a satisfactory outcome.
Consumer complaint received 2021-07-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (CA)

On XX/XX/2020, I started a mortgage refinance application with Better.com after finding a rate that they advertised on XXXX ( 1.75 % /15yfixed/0.499pts ). XXXX  allows you to enter some demographic information to filter available loan rates from various lenders, which I did. My loan to value ratio is <30 %, my debt to income is <15 %, and my credit score is XXXX. Better.com is listed as a featured lender ( advertiser ) and shows excellent rates for my personal information. Once I found rates I liked, I continued to the application process on Better.com through their portal. However, once the application had started, Better.com limited available loan terms to substantially higher rates and points. 

I directly emailed the agent at Better.com to complain, and they changed their portal rates to be closer to the advertised rates on XXXX. However the points ( 1.247pts ) on the rates were still substantially higher than what was advertised. The agent assured me that these were not final and that I should continue the application tasks. One of these was to order a {$550.00} appraisal of the property, which I did. 

XX/XX/XXXX, in an email, I again asked about the rates not matching the advertised rates. The Better.com agent ignored my question and asserted that they are " fully transparent '' and I was getting the best rate. With every email, I sent them the rates they are advertising on XXXX which are always lower. 

XX/XX/XXXX, the Better.com agent is pressuring me to finish the application and get it through underwriting and funding. I again email and ask why the rate is not what is still being advertised lower. In my email, I point out that Regulation Z 1026.24 explicitly states that advertised rates must be actually available ( including buydown points ). The Better.com agent again ignored my request for the lower available rate. 

XX/XX/XXXX, I sent the Better.com agent an email saying that I don't want to move forward unless I can get confirmation on the rate I had been asking for. I get a canned response saying I have the option to withdraw the application.
Consumer complaint received 2018-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC (SD)

XXXX XXXX XXXX University has engaged an outside party called https :  XXXX XXXX XXXX to provide students with XXXX IRS TAX FORMS. Heartland.ECSI.net   .suckered me into making an account with them that I can not delete. They will not provide a delete account option. Their phone and online chat wait time is so long it is unbearable. Is it University outsourcing? I do not know but this is the second University to do this to me this week. XXXX XXXX XXXX University made me submit my personal documents to an organization called XXXX, which also will not let me delete an they tricked me into making. I do not know who in the State of South Dakota is making these horrible outsourcing of Univesity data and personal privacy but IT MUST BE STOPPED IMMEDIATELY.
Consumer complaint received 2016-03-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY (TX)

I am losing my home and thus will have a physical address and my credit card, American Express, requires one for my account. Apparently this is a requirement for the Patriot Act but if I do not have a physical address, I can not provide one. What do those of us without physical addresses do?
Consumer complaint received 2021-07-08
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: GOLDMAN SACHS BANK USA (WA)

on XX/XX/2021 someone used my credit card to order something with XXXX. Since this is an Apple credit card, when I got a notification of a pending transaction, I immediately notified Apple Card Customer service. I never had a postmates account, never used their services. Yesterday I received an email stating that Goldman Sachs Bank USA has investigated my transaction dispute, and it's been resolved in favor of XXXX XXXX. When I called them to find out why several customer representatives told me they have proof from the merchant. When I asked them to provide me with the proof, one of the managers said " actually when I open your file, there is no proof, anyway for right now you are responsible for this transaction, or we can reopen your case '' seems like whoever was working on my dispute case just decided on their own, without having any evidence.
Consumer complaint received 2015-09-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MN)

Equifax stated that they could not provide me with an online credit report because of their system having problems. The other XXXX credit reporting agencies ( XXXX and XXXX ) had no problem providing me with their versions of my credit report history. I would think that a company as large as Equifax could keep their computer reporting system available at all times instead of just putting me off and saying that they just ca n't provide that information during my official request. I need this information NOW so that I may clear up any inconsistencies and correct any errors. I would like to file a formal complaint.
Consumer complaint received 2016-10-12
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (NJ)

I am writing on behalf of my XXXX year old deceased father, XXXX XXXX in regards to leasing a vehicle from XXXX Honda in XXXX XX/XX/XXXX. He went to the dealership alone at which time the dealership charged him {$1500.00} even though he was turning in his XXXX Honda and leasing a XXXX Honda Civic ( which I never heard of any dealership doing ). He passed on XX/XX/XXXX at which time we attempted to return the vehicle ( which is in perfect condition and only has XXXX miles since he became ill in XX/XX/XXXX ). I called the dealership, explained the circumstances and was instructed to bring the vehicle back. The first salesman we spoke to stated that the dealership would take the vehicle back " no questions asked '' under the circumstances. He contacted Honda Financial at which time they stated they would not take the vehicle back unless monies was paid to them for the return. The choices that the gave were either 1 ) buy the vehicle out or 2 ) pay an additional {$3500.00} and give up the vehicle. I believe they took advantage of a XXXX year old ( at the time of the lease ) man and are continuing to take advantage of him even after his passing. We returned to the dealership after learning the name of the salesman the following day who also stated the dealership would take the vehicle " no questions asked '' under the circumstances. After four ( 4 ) hours of dealing with the salesman, manager and Honda Financial Department, the car was again brought back to my father 's residence which is now sitting in the driveway. We would like the dealership to take the vehicle back as they stated they would.
Consumer complaint received 2017-11-18
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Debt Management Partners LLC (SC)

Dept Management Partners ( XXXX XXXX ), called my home several times after I told them not to. After they communicated with me they still called my references upsetting them. I have talked to several of their agents and one in particular told me I did not have any family and friends when I told him not to call them. They also insulted me and harassed me. They told my mother that they were going to send a sheriff over to my home in 20 minutes if I did not make a payment. My mother contacted the local police who told her if anyone came to the house they were be arrested.I have told this company to stop called and they kept on calling me. Me and my family do not deserve to be harassed or talked to like this company did. Once again I offered to make payment arrangements once I started my job in a week and they said they needed a payment right away. I still blame XXXX XXXX.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I value the effort taken to remove certain items from my file attributed to suspected fraudulent activity, yet there remain items that urgently need to be addressed. In accordance with FCRA section 605, you are mandated to eliminate any items identified in an IDENTITY THEFT REPORT # XXXX. The items specified in a preceding communication are reiterated here, supplemented by my latest FTC Report # XXXX. My legal counsel has been briefed on my actions and is prepared to enforce accountability for any deliberate non-compliance : XXXX : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  & XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX NJ XXXX XXXX Please be advised that there is a four-business-day window to REMOVE any items from my credit file stemming from alleged fraudulent activity. I explicitly object to the use of XXXX or any form of automated verification.
Consumer complaint received 2021-07-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio America Asset Management, LLC (CA)

They keep calling my work phone. I asked them to stop calling my phone and just mail whatever it is they need or want via XXXX mail. On XX/XX/XXXX. After many daily calls. Then they called again today. I didnt answer because I was on the phone working. This is my work phone. Thank you.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-12
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. (CA)

XXXX is reporting false information and refuses to fix it. I have 4 student loans that reflect 8 late payments of 90 and 120 days. I have disputed the information and some of the information was corrected but the most imperative has not been changed. My score has decreased by 150 points due to false information. The attached documents clearly shows that all 4 accounts are in good standing. This credit hiccup has affected my entire existence in regards to my business and personal life. I was approved for an SBA Loan and PPP Loan in which was to be used to fuel my Covid-related business related partnership with a nonprofit to help the community. My loans and funds that were set aside for my business were denied during the underwriting process prior to funding. A second lender herd my vision and tried to push my loan through twice and still was unable to get funded to to credit history and delinquent accounts. I am looking for housing and I am not credit worthy to purchase a home and honestly cant even find any temporary housing until I am able to finance due to my score. Please help me!
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CO)

The credit reporting agency told me if the court couldnt prove the lien was mine, they woould remove it. They said all I have to do is wait XXXX days and it will be removed. After the other two credit reporting agencies removed the erroneous report off of my name instantly with the IRS document I provided, they decided it wasnt good enough. Then I continued sending in IRS documents that the IRS said would clear my name, the whole time they did not tell me each time I send new information in, it resets the XXXX days I have to wait. So today I finally found out ( now that it was about to be XXXX days ) that they have been resetting my XXXX day wait period. Now I have had destroyed credit that continues to go on and on. They do not know how to read the IRS documents and are accusing me of something the IRS said they should easily be able to read. The complaint I have is that they were not honoring the initial XXXX day window to clear my name if not proven guilty, now it is getting closer to XXXX month I will have to wait. They should not be able to assume I want to extend my XXXX days by sending them new information that is only extending my time for my name to be cleared. They did not tell me they would do this, and it has really hurt me financially and is continuing to. They should have to disclose to the disputing party that any information sent resets the XXXX day waiting period, otherwise that means a person is claiming to be guilty because why would anybody want to wait longer when they know the initial debt collecting party can not prove anything because it is false.