davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is the third time me requesting to have a pin number for all 3 credit bureaus I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX 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 XXXX XXXX Balance : {$11000.00} ; XXXXXXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$24000.00} ; XXXX XXXX XXXX : {$240.00} ; XXXX XXXXXXXX Balance : {$9300.00} ; XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX : {$8200.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-01-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (GA)

Company : Coinbase On XX/XX/23 I tried to link my XXXX XXXX XXXX bank account with Coinbase. The identity verification check on the account details failed due to an inconsistency with my personal information between the bank and Coinbase. Coinbase showed an error message asking me to contact XXXX, their identity verification provider. XXXX helpfully explained the issue. I have a last name with multiple words. 

EXAMPLE FAKE NAME, NOT MY REAL NAME : First name : XXXX XXXX name : XXXX XXXX  XXXX Coinbase was incorrectly submitting my name as First name : XXXX XXXXXXXX XXXX Last name : XXXX I confirmed with XXXX XXXX XXXX that my name was accurately represented in their system, and confirmed with GIACT that the only problem with the identity verification was Coinbase 's false arrangement of the words in my name. XXXX told me that I would need to ask Coinbase to fix the spelling. Thus began a weeks-long customer service nightmare in which Coinbase refused to fix or even acknowledge the issue, and kept insisting that my bank must have it wrong, or that I need to fix my name to match their spelling. It was offensive and disrespectful to be told that my name is " wrong '' or incompatible with their financial product. 

On my own, I was able to identify the technical glitch which caused the issue in the first place. Coinbase asks users to upload an image of their ID, which they use to populate their user name record using XXXX XXXX XXXX ( XXXX ). Once the name is populated, there is no way for users or customer service agents to manually adjust it. All you can do is upload another picture of the ID. Apparently, a XXXX XXXX made the careless assumption that the final space-separated word in the XXXX-generated name XXXX is the last name, and that everything before that space must be the first name. This is true for names like XXXX XXXX, but not names like mine. 

No matter how many times I explained the problem, the likely cause of the problem, and possible avenues for resolution, Coinbase support denied the issue, misrepresented simple facts, and sent copy-pasted blocks of text from their support articles explaining how to upload a picture of an ID. At XXXX point I proposed that I could avoid linking a bank account altogether, if Coinbase would reimburse me for their fees for using alternate, non-ACH funding methods. They refused. Eventually, they sent an email proclaiming the matter formally closed, and cut off all further communication. 

It is infuriating and offensive to be treated like a second class citizen, ineligible for basic banking functionality, because my name has too many words.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-01-19
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (FL)

I set up a payment with XXXX checking billpay, which uses XXXX to complete the transactions to my Target redcard cc ( in store only ). Target is using confusing and unfair billing practices when it has 2 different rules for accepting payments from XXXX. To allow XXXX have low a amount go through 1 channel of ACH, and " large amounts '' to follow another channel of mailing a physical check. when a person submits a payment to billpay it typically does not give a different scenario based on the amount your are paying the company. It is unreasonable to ask a consumer to figure this out by randomly paying different amounts, or chancing on the knowledge. I do not believe XXXX business days is enough time for a physical check to arrive and be processed, this was out of my control and specifically set up by XXXX 's client TD bank as was explained to me by the XXXX XXXX XXXXTarget is benefiting from this practice as a larger amount will result in higher interest fees and a XXXX late charge. in addition, Target was unable to communicate clearly what was happening. I was told there would be an investigation, but not about how long the fees would be paused. I called back and the phone gives you a balance, saying I owed the late charges + interest, but then conflicted and said I have nothing due, so when I asked the rep. they were unable to tell me if the fees were waiver or only temporarily waiver while under investigation. later I received 2 letters in the mail. 1 stated I would have my late charge of XXXX credited and interest owed. Payment found to be credited from bank on XXXX talked about alternative methods of payments and the importance of paying my bills on time. Found : XXXX XXXX  billpay Mailed a physical check on XX/XX/XXXX  via XXXX decisioning logic, there was no record of payment through many attempts of calling XXXX + Target. delivery was supposed to happen XX/XX/XXXX  for a XXXXXXXX  due date. it is unclear what really happened and if my past late fees had a similar issue with this logic?
Consumer complaint received 2016-11-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Allen & Withrow (AR)

I have been issued a writ of garnishment for a debt under a previous name ( I was married in XXXX ) that was assigned to a bank account I had in XXXX. I filed for bankruptcy in XXXX. I do not recognize the debtor, XXXX XXXX XXXX XXXX and have received a second notice of garnishment, this time for a bank account I opened in for my incorporated business. The original debt listed was for {$1100.00} and the garnishment order is for {$3300.00} This debt is not listed on my credit report, and I have no way to know what it is for without engaging the collection agency and reopening the statute of limitations.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-05
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. (IL)

On XX/XX/XXXX I was XXXX  XXXXXXXX XXXX I locked my card from chase bank and went to bed woke up the XXXX XXXX was missing I called the claims line and she doesnt know where my money went
Consumer complaint received 2024-01-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I use USAA bill pay. I set up my payments as usual. I typically allow XXXX " buffer Days '' from the actual bill due date to account for any delays in processing. I set up a payment to pay my XXXX XXXX  credit card. The payment was taking a bit longer and when I checked it was not deducted from my account in the usual time frame. when I opened my billpay transaction information, it stated a physical check was mailed on XXXX XXXX  for a XX/XX/XXXX bill. As I made several inquiries it was found that XXXX transactions was doing the decisioning of ACH vs physical check. I was double checking if a check would be sent by default and if there was any processing error that would have chosen this method. The answer shocked me, it is up to XXXX card to provide how they want to be paid, and that there is logic that states if it is a " small amount '' pay by ACH, and if it is a " large amount '' pay by physical check. 1 ) I did not get a notification on USAA side ( text box ) this payment may be delayed as it will be sent via a physical check, you may want to choose a different method of payment to ensure you do not incur and fees or penalties. 2 ) I believe this is predatory lending, how can I know if I typically only charge XXXX /mo that a XXXX charge would follow a different payment method ( taking much longer ) and be set up to be delivered late and charge fees purposely on a larger amount. I believe a customer would not be able to randomly adjust the payment time without the knowledge up front that the payment is going a different pathway. I find fault with USAA to allow this option, and to not give notice/option to cancel a payment by providing this information while you are in the process of setting up a payment. the stages in payments for billpay, are processing, and then a physical check was sent, which happens after a time.other people may not have put XXXX and XXXX together because some payments go through and some are delayed, ultimately giving up and paying online or in the store ( simply not using the service ). I would like to see a blurb/text box pop up if a company does different payment methods and what the terms are in advance of setting up a billpay. it is not enough to send a physical check with XXXX business days to get mailed, processed and credited, which is what the XXXX decisioning is set to for XXXX payments from USAA. Thank you
Consumer complaint received 2023-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (FL)

Hi my name is XXXX XXXX XXXX I have two card. 
XXXX ) Best Buy Citi XXXX XXXX XXXX XXXX XXXX ) Citi / XXXX XXXX XXXXXXXX XXXX XXXX XXXX I need to know why this inquiry still open or if it possible to closed Thank you My Best Regard XXXX
Consumer complaint received 2024-01-26
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)

I had some questionable inquiries on my credit report and I also was a victim of data breach as well in the past once I put the dispute in it took less than a few days to investigate equifax is quickly closing my claims
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LCI Acquisition Inc. (WY)

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX  XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX ) I am Attaching identity and proof of address.
Consumer complaint received 2023-11-08
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC. (PA)

My identity was stolen- my car was broken into and my wallet that contain my ssn and id was stolen. almost a year later two credit cards was open and started being reported as charge off to CRA. The original creditors are XXXX XXXX. I disputed the account with the original creditor and the CRAs multiple time. I made them aware that this account was open with out my consent and I provided the identity theft report filed with the FTC. Both accounts are being reported as charge account and one account was sold to Midland Credit Management and now being reported as a collection. I file a dispute requesting validation and did not receive any proof that the account was mine. The name and address on the account is incorrect.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was mentioned in my previous COMPLAINT #, and I include it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

As a whole my credit profile Is severely incorrect across all 3 bureaus yet they do not even remotely match across the three. I have filed any disputes only to get the same computer generated messages of verified that can not be true because the information is incorrect. Even my basic information such as credit age is incorrect, one says 1 year another says 5 when I have had credit since XXXX some of my precious accounts are even listed but still do not reflect in the age. I do not honestly know what to do, this is less of a complaint but more a lack of knowing what to do as nothing I have done seems to have any effect. it's killing me financially
Consumer complaint received 2024-01-02
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: TRUIST FINANCIAL CORPORATION (TN)

I have No Knowledge of these hard inquiry 's The Higher Inquiries a result of identity theft, And That it Must Be Removed no later than 4 business days as per 15 USC 1681, c. Two
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST INTERSTATE BANCSYSTEM, INC. (MT)

I have contacted through dispute letter and vocal communication multiple times, both First Interstate Bank and XXXX. both blame each other for being unable to remove errors or delete incorrect accounts. First Interstate Bank has verified dispute letters even though the information was incorrect, inaccurate, or incomplete. The information I am using is from an XXXX report which has been verified by First Interstate Bank. The XXXX Report is dated XX/XX/XXXX. The Confirmation # XXXX. The account from First Interstate Bank reported in the XXXX report is Account XXXX is XXXX. I contacted First Interstate Bank to obtain a payment history, they were unable to find the account or its history. The account was opened XX/XX/XXXX ( 11 years ago ). There are many errors on this account. The account is missing High Credit and is blank ( Error 1 ). The Credit Limit is also blank and missing information ( Error 2 ). The Terms Duration is missing information and blank ( Error 3 ). The Months Revd is XXXX which for this loan is Incorrect ( Error 4 ). Amount Past Due is blank and missing information ( Error 5 ). The Date of Last Activity is Reported as XX/XX/XXXX, This is Incorrect The date of Last Payment is XX/XX/XXXX ( 34 months later ) ( Error XXXX ). The Actual Payment Amount is Missing ( Error 7 ). The XXXX XXXX information is missing ( Error 8 ). Date of XXXX Delinquency is blank ( Error 9 ). Date XXXX XXXX XXXX reported is missing information ( Error 10 ). This account according to First Interstate Bank was opened XX/XX/XXXX with the last payment reported XXXX ( 7 years later ), Yet there is no payment history. The payment history is missing ( Error 11 ). by law FCRA Sections 609 and 611 require creditors and credit reporting companies to report information accurately and correctly. Ifthey can not the account is to be deleted from the consumers report. This report has many mistakes.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

MY INFORMATION WAS EXPOSED IN DATA BREACH OF EQUIFAX INFORMATION SERVICE LLC. 

NEGATIVE ITEMS THAT WERE EXPOSED IN DATA BREACH OF EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-06
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. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-01-17
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. (NY)

I have written and sent in over 30 days ago, my letter opting out Per 15 usc 6802 & 6805. I have chosen to opt out with these companies ( XXXX XXXX XXXX ) yet they are on my report for all 3 credit bureaus The XXXX account was sold and is charged off. A charge off is considered a certificate of indebtness, which is also considered income and MUST be removed The collections account was sold to a third party violating the privacy act of 1974. This need to be removed. 


I the consumer also never authorized my credit card utilization. The law states it is ILLEGAL to report transaction history without my written consent per 15 U.S. Code 1681b - Permissible purposes of consumer reports
Consumer complaint received 2024-01-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (MD)

XXXX XXXX  appeared on my credit report. Its been 6 months since negatively impacted my credit report. They have not validated the debt, gave me a chance to Dispute the debt. Ive contacted via email and phone. There is no proof i knew about this debt prior to it being on my credit. There is no correspondence between the debt collector and/or myself prior to inserting this debt on my credit. I have no knowledge of this debt.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (LA)

At this point you are not allowing me my legal access to the information on my personal credit profile as provided by the FAIR CREDIT REPORTING ACT. I am requesting to you to please release my personal credit report. I have included copies of official documentation confirming my drivers license, date of birth and social security number as required by you to verify my identification.