davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-09
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. (IL)

Equifax ALLOWED the leak of my very sensitive personal financial information and kept quiet about it for about a month until the company 's directors were able to dump their shares of stock. I was one of the 100+ million Americans affected.
Consumer complaint received 2017-08-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NC)

Yes Coinbase has not transferred any funds into my checking account even though it shows complete on XXXX XXXX and I have a XXXX balance on Coinbase and no funds have been put back into my checking account. It 's been over two weeks with no response even though I filed multiple cases. The amount was {$1000.00} and I have contacted my bank and nothing has come in even though Coinbase did a wire transfer to verify my bank account. They took my money asap but will not replace it. Please help!
Consumer complaint received 2024-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MO)

XXXX I clicked on a link on XXXX that was a search result when I was looking for XXXX support phone number : XXXX : XXXX? XXXX XXXX XXXXXXXX % XXXX % XXXX & XXXX. While speaking with them ( XXXX ( XXXX ) XXXX ) to get an XXXX XXXX  recovered, we tried identity verification methods that werent working. They had their fraud department call me ( XXXX ( XXXX ) XXXX ) and they said they were able to look into my account and see that there are fraud charges from bitcoin on the cash app account linked to the XXXX XXXX  and the XXXX XXXX  is locked. They had me download iperius app so they can remote in to my phone. They took over and removed my bank from my cash app and added a card saying its my XXXX XXXX virtual card. I informed them I did not want to do this but they had control of my phone and cashed out my full cash app balance ( {$6600.00} ) to a green dot bank card they added. They said XXXX XXXX  is the bank that XXXX uses. That card is not my XXXX XXXX nor do I have the card in my possession. It has since been removed from my cash app but I have the last four digits ( XXXX ). They did an instant cash out. Once I realized it was fraud/scam, I immediately contacted cash app. I have been waiting for two days to hear back. I also filed a police report with XXXX XXXX XXXX : XXXX The cash app account is under " XXXX XXXX '' which is my maiden name. I recently got married and my last name is now XXXX. My cash app tag is XXXX  XXXX.
Consumer complaint received 2017-09-09
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. (AZ)

On XXXX XXXX, XXXX I was notified that my personal information including name, credit card information, and social security number were acquired illegally and without my consent or authorization from Equifax. This information could be used to harm me financially for the rest of my life, but Equifax only offered 1 year of credit protection service provided by them. This is absolutely no consolation and inspires no confidence as they 've already proven they are incapable of protecting my information.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX, XXXX and exsperion have a negative report on my credit report which is fraudulent to XXXX XXXX XXXX colected by XXXX XXXX for {$370.00} .... not my address and my XXXX XXXX XXXX bill is up to date at my home address,,, they used my social security number to open the account affilitated group account number is XXXX
Consumer complaint received 2022-08-10
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2017-09-09
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. (OH)

Thus far, the only unrecognized use of my information appears to have been roughly two weeks prior to today, on XXXX XXXX, 2017. While it seems to have been a harmless check ( perhaps perpetrators probing for viable accounts? ), I do not feel comfortable at the thought of my information having been exposed ( as reported to me by the company itself via their incident response website ) and demonstrated by this unauthorized credit action.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

equifax, XXXX and XXXX have a negative report on my credit report which is fraudulent to pg and e colected by affiliated group for {$370.00} .... not my address and my pg and e bill is up to  date at my home address,,, they used my social security number to open the account affilitated group account number is XXXX
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (NY)

Td bank credit card XXXX has called my phone three times a day in a 7 day time span They have violated Regulation F in regulation f a debt collector may call you one a week i have phone records and may bring this to federal court if my account is not reopen
Consumer complaint received 2017-08-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

XXXX XXXX, who is now Navient, harmed my student loan when I did a repayment status. They steered me towards several forebearances throughout the life of my loan. They also gave false information
Consumer complaint received 2017-08-17
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (MO)

I set up a monthly payment of XXXX dollars due the XXXX of each month ability recovery solutions has been taking a payment twice a month after XXXX calls to the company asking them to change the date to the XXXX only they have never verified that they are speaking with the correct individual that owes the debt and are extremely hard to get in touch with i was enrolled for 60 a month after 1 month they said i owed XXXX as i had completed 60 % of the course
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

An fraudulent account was opened in my name and sent to an address I have never lived at. I have reached out to XXXX XXXX over XXXX times without a reply or resolution. Not know that a previous account had been opened in my name I discovered this account when applying to XXXX XXXX and noticed the fraud reported on my credit report. I provide ID affidavits and statements and XXXX XXXX has failed to fix this and has caused me employment termination and financial harm.
Consumer complaint received 2017-08-30
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. (MD)

I have XXXX hard inquiries for XX/XX/XXXXon my Equifax credit report. Only XXXX of them belong to me : 1. XXXX 's XXXX ( XX/XX/XXXX ) and 2. XXXX XXXX ( XX/XX/XXXX ). 

For the other XXXX inquiries I did NOT sign a credit application or otherwise complete any authorization to review my credit. The Equifax rep in XXXX (??? ) said I must contact each company and resolve this on my own. My lawyer said the Equifax fraud department, who I asked to speak with, should handle this since they are responsible for confirming everything they put on my credit report. 

Can you please help me get this straightened out? 

Thank you.
Consumer complaint received 2017-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One closed my 360 checking account today stating according to their terms and conditions they can close my account whenever they want for whatever reason. However the timing seems interesting in that I have a {$400.00} sign up bonus for their PLUS400 checking account promotion due in the next few weeks and they close my account right before payout. That is absolutely sneaky of them as I have barely any activities on the account that should prompt closure, I did n't even have any transactions in the past few months. This is an absolute switch and bait and is totally unethical for them to do that. My money market account was affected too.
Consumer complaint received 2017-08-17
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 contacted to have multiple inquiries that I was not aware of and others that were done multiple times from one request removed from credit and was not assisted with this issue. XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Page 35 of 45 Requested On : XX/XX/XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX via XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXXXXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual
Consumer complaint received 2023-01-27
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. (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 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 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Last year I discovered a false account with XXXX XXXX and XXXX XXXX reporting on my file because of identity theft. I contacted the bank and the credit bureaus about it and they told me to file a dispute. I submitted the dispute and both XXXX XXXX and XXXX XXXX they conducted an investigation. I was notified by XXXX and XXXX that the account was no longer being reported and my report was updated. Experian, however, still has not updated my report. I contacted them several times without an answer. Please help me resolve this issue as soon as possible.
Consumer complaint received 2017-09-09
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. (CA)

On or about XXXX XXXX, 2017 Equifax released my credit report information to unnamed third parties without consent. My private information, such as my SSN, date of birth, driver license number, and address, collected by Equifax and held in trust, are now, basically, public information. As a result, I have been forced to monitor my finances with extreme diligence to watch for fraud that may negatively affect me financially and affect my ability to obtain future credit. Equifax has put an undue burden on me to prevent fraud to my credit. I have filed a fraud alert with Equifax.
Consumer complaint received 2024-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

On Monday XX/XX/XXXX I awoke to being locked out my cash app account. I immediately called and customer service found my account was hacked and had to make me a new account in order to get into old account. Emails, phone numbers, and XXXX XXXX were changed or deleted! Upon getting back in account I noticed XXXX unauthorized transactions which customer service noted and said would send to proper department to investigate. Couple days later I receive email saying Indidnor authorized such transactions! This company has discriminated against me from the start and never has sided with me on other disputes or issues. It is clear as day my account was hacked, all transactions happened within XXXX minutes of each other at XXXX, my XXXX  was even changed! This company allows fraudulent transactions to go with no penalty constantly! Something needs to be done immediately as this is absolutely unacceptable! I want my money back it is almost XXXX XXXX dollars! This is not a small amount of money and there is no way they cant tell it did not come from me or my devices!!
Consumer complaint received 2024-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (WV)

XX/XX/XXXX, had XXXX transactions to XXXX, ( I don't use MetaPay ) most declined automatically, however, XXXX of the transactions didn't get declined, so I deactivated the card that was compromised, and ordered a new card, then had to do disputes XXXX at a time and got XXXX refunded, however, the last XXXX they would not dispute, had to file a complaint at XXXX, which in return their resolution was to deactivate my NEW CARD, and keep telling me that they can't give me any information to Review TOS, like saying I violated their TOS. XX/XX/XXXX I am still unable to get any info out of them, and still can't reorder a card.
Consumer complaint received 2017-09-09
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. (UT)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2017-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (IL)

I had previously filed a complaint against CitiBank for my best buy card to dispute the late payments being reported. I had mentioned to them that there were late payments on my credit report that I did not agree with but they sent me the attached letter and verified it as well as the credit bureaus verified the late payments. 

But what I found after doing my research is the CitiBank violated the Fair Credit Reporting Act by verified data that they said is correct but reported something totally different to the credit bureaus. They said I was 30 days past due as of XXXX XXXX but the credit report clearly shows me being 30 days past due as of XXXX XXXX. Therefore, I have reason to believe that no real investigation was done and this was just a templated response.
Consumer complaint received 2017-07-19
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. (TX)

I previously contacted XXXX regarding this account they have never resolved the issue after being provided proof. This account was forwarded to a collection agency. XXXX XXXX states that I owe XXXX this account does not belong to me.
Consumer complaint received 2024-05-16
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (GA)

CashApp hasn't updated me in 2 years about the information I requested. I submitted a dispute about a random charge on my account of around XXXX dollars. They denied my claim and I wanted to see the information on why they denied my claim. Any information about their decision to deny me. I don't think it's fair that companies can just take money from you without giving supporting documentation on why with valid reasons. They even took settlement money that was sent to my account to cover the charges. I even have other charges included in the overall total which is outrageous. Why is my account being charged even if it's still in the negative?
Consumer complaint received 2021-06-23
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. (TX)

Reached out multiple times explaining to trans union I as the consumer never gave consent to reporting any information according to 15 usc 1681 b ( 2 ) and explained that In addition to 15 usc 1681 b ( 2 ), 15 usc 1602 ( p ) trans unions reporting without my consent is considered unauthorized use of my credit card, social security number
Consumer complaint received 2024-02-17
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. (PA)

Obtained TransUnion credit report and noticed fraudulent account 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