davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Coinbase, Inc. (CT)

I have trading Bitcoin on coinbase for a couple of years and have increased my portfolio as well as added more funds to it. Recently, Ive been using it instead of my bank for all of my personal savings, because I was easily able to both deposit and withdraw. Last month, I was traveling and lost my phone which meant I lost access to my XXXX authenticator application used to verify my identity when logging into coinbase. I followed their protocol to resubmit my identity documentation and waited the appropriate 72 hours.

My identity submission was denied without explanation and my account was disabled. I then logged a case with them begging for their assistance and although my account is no longer disabled I still have no way to access it without my old device and the authenticator codes. I have sent emails almost daily and only received the occasional we will get back to you when we can response and usually only that when I log a new ticket. I have now been locked out of my funds for 5 weeks.

I have all the emails Ive sent but wont attach them here as I read above not to include any personal or account information unless asked to do so.
Consumer complaint received 2018-06-25
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. (FL)

I am having difficulties trying to get some things resolved on my credit report. There are a few things that the bureaus are not investigating otherwise they would have been resolved. When I pulled up my XXXX XXXX they don't even show payment histories. I can not afford to belong to a monitoring site which takes XXXX a month so I have to relay on this site. What they are reporting are accounts which they indicate last payments in the year XXXX and I know for a fact that I had to stop making payments on accounts back in XXXX due to loss of income. I'm not proud of it but I was struggling to keep a roof over my head and that was something beyond my control. However, I have been penalized for over 7 years now and I am trying to get my life back in order but the information they are reporting isn't correct.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Your company has inaccurately reported wrong information on my credit file and it has now come to a point where I have to send out a complaint just for you to straighten this out. I have sent letters the past two months and nothing has been done, all letters I sent out were ignored.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I do not recognize inquiries from Transunion XXXX - XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX-XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX I doXXXX not recognize inquiries from XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the FCRA, this creditor has violated my rights. Under 15USC 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for and obtain several credit and banking accounts. An extended 7 year fraud alert was requested with each of the credit bureaus as a preventative measure however, while checking his credit report he found TransUnion never listed his fraud alert header on the victim statement. When he contacted TransUnion he was advised by an operator that someone was able to call and have the alert removed. Per FCRA guidelines the way an extended 7 fraud alert is supposed to be placed or removed is in writing with proper documentation and PII of the consumer requesting either the placement or the removal of the alert. TransUnion is in violation of FCRA guidelines.
Consumer complaint received 2023-10-03
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Jennifer McCoy, PC (TN)

These people have identified themselves as a collection agency and or law firm attempting to collect a debt. They have sent paperwork to our home claiming that there is a debt owed by a deceased family member. They were notified that the person who they were seeking to collect the debt from is deceased. Shortly after that they renamed the account to include not only the deceased persons name but also that persons sons name onto the paperwork. Essentially there are two different names placed onto the account. They seem to not have enough information to identify who it is that they are trying to say owes the debt and they want someone to claim a debt that has been titled under two different names. This does not seem to be common practice as the first thing essential to seeking a debt is to first identify the person who they claim owes the debt. We made a telephone call to the company and after a short conversation there has been doubt raised as to the validity of this company. They were asked a few questions regarding very basic collection laws that were answered incorrectly. I would like to make a report of potential attempted fraud,
Consumer complaint received 2023-10-03
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. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-06-25
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica (GA)

RE : XXXX XXXX XXXX XXXX Dear Sirs : I am writing this with assistance. I am XXXX and receive XXXX benefits on a XXXX  XXXX. I was locked out of my online account and needed my routing #. I called the company ( XXXX XXXX ) and their phone representatives. My complaint ( s ) are as follows : 1 ) I had to call 3 times to get an agent. There is no option on the menu to speak to a XXXX representative for online account for lock out, or problems not listed in their automated menu. 

2 ) It is very difficult to get a live agent to help resolve account issues. Their phone system will cut you off without warning, put you on hold for lengthy periods, representatives change unexpectedly. I had to use the " LOST OR STOLEN CARD '' feature to finally get live help.

2 ) While on the call to XXXX, I requested a good friend help with speaking to the representative and explain my complaint. Despite my authorizing this, the XXXX agent 's identified as " XXXX '' " ID # XXXX '' refused to speak directly with him. She was rude, hostile and uncooperative to him. Further she also threatened to not help me, unless my friend refrained in the background from assisting me. I am XXXX and have a XXXX XXXXXXXX. This representative talked too fast, and I have difficulty with instructions due to a XXXX  XXXX. Her attitude and conduct on the call was disturbing. Her refusal to allow me to have someone I authorized assist me during the call is denying me my rights under the XXXX XXXX XXXX. 

3 ) The XXXX website advertises help, including providing routing numbers and other basic information. A direct quote from their home page on XXXX : " We are a website dedicated to helping XXXX XXXX Card holders find information they need regarding their card, including account login information, customer service contact number, direct deposit and routing number information, and any relevant news about the ... '' This bank should allow XXXX XXXX or XXXX persons authorize others to help on their behalf with difficult problems. On their call menu, they should not be allowed to limit account access to customers by designing a menu that limits options and no option for live agent help during business hours when needed.
Consumer complaint received 2018-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I opened a checking account at bank of America on XX/XX/XXXX using a bonus offer I received via email. The requirements were to setup direct deposit and deposit {$4000.00} in the first three months. I promptly setup direct deposit, and met the requirements on XX/XX/XXXX ( bi-monthly payments on the XX/XX/XXXX and the last business day ) .The estimated date of receiving the bonus was XX/XX/XXXX, and the bonus period closed on XXXX.I called Bank of America at the beginning of XX/XX/XXXX to check the status, and was on hold for 30 minutes. Once I reached a representative, I  was placed on hold for another 20 minutes, and was given a different number to call to speak with their " bonus team. '' When I called the number, it was a fake number which was offering me a " free cruise. '' I called back and waited another 30 minutes to speak to someone else. They told me that my account was under manual review and that these things take time, but they saw I met the requirements and to call back in a few weeks. I called back on XX/XX/XXXX and spoke with XXXX, who told me a similar story, and that i should call back in XX/XX/XXXX. On XXXX I called back and spoke with XXXX, who told me I had met the requirements, and to call back at the end of XX/XX/XXXX. I called back on XXXX and spoke with XXXX from Alabama, after waiting another collective 45 minutes, she told me to call a different number, and I was able to reach XXXX from XXXX MA. After about an hour XXXX told me that the account had not met the requirements, because my paycheck did not qualify as direct deposit. He would escalate the issue and have it undergo another manual review, since my deposits are very clearly from my employer ( XXXX XXXX where I am a portfolio manager ). He asked politely that I call back by the last week of XX/XX/XXXX if I did not hear anything, but he would email me with the details of the call and any further information. No email ever came.
Consumer complaint received 2023-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OK)

Prior to consolidation request, had both FFEL and direct loans, totally ~ {$14000.00}. During waiver in XXXX of 2022, Partially consolidated student loan for PSLF ( only direct loans ), which transferred XXXX to MOHELA. Was instructed by dept of education to file request to add on to consolidation loan to include FFEL loans in XXXX. Only partial loan balance displays in MOHELA. Can not reach anyone at MOHELA and have no idea when balance will be updated to accurate value. ; meanwhile, interest is accruing. 

I started the process to consolidate per fed instructions last XXXX and 12 months later it is still not completed or is being butchered by MOHELA.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX ============================ UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX ===================================================== 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 2023-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

Charges were made to my CC in the amount of ( roughly ) {$1800.00} that I did not make. Chase stated that XXXX said the charges were authorized through XXXX XXXX but there is no record of this in my XXXX XXXX and Chase did not give me any supporting documentation of this claim, they just denied it. I spoke several times with representatives from the Fraud dept with no help whatsoever. I submitted the police report and the Federal Trade Commission report and they still denied my request for refund. I spoke with a Chase Fraud Supervisor who stated " XXXX XXXX your time is valuable, there is nothing I can do here... and then hung up without letting me speak ( there should be a recording of the phone call ).
Consumer complaint received 2023-10-03
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. (IL)

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2018-06-25
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. (NC)

I received two confirmation # 's from Equifax pertaining to disputes I filed with them about incorrect information on my credit report. They notified me my Equifax dispute has been completed. Confirmation # 's XXXX & XXXX. I have been unable to get the results because their online system continually gives an error message when requesting a copy of the results. I have made repeated calls to Equifax customer service and the call center workers also report that they too get error messages when entering in the confirmation # 's. I have called in to Equifax customer service asking for a member of management and I have been repeatedly placed on hold for long periods of time and eventually been disconnected.