davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
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)

According to credit Act 15 USC 1681B permissible purpose of consumer reports. This law states in general that unless a consumer reporting agency has your written instruction they are not to furnish anything to your report. I did not give consent which is written instructions an also credit Act15 USC 6802 obligation with respects to disclosure of personal information
Consumer complaint received 2023-01-11
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. (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 XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-28
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. (NY)

There is False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic and coronavirus. I will be left no choice but to seek legal remedies shall this issue not be taken care of promptly.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (PA)

On XX/XX/2020 I attempted to Transfer funds to my XXXX XXXX account with my ReliaCard. I called XXXX XXXX just to make sure my money got there and they said the account was closed also that I should get the money back within two days. I called ReliaCard sat on hold with them for three hours in total and three different calls and I still did not get an answer and I also did not receive the funds back in my Reliacard account.Every other service is excellent. This is not a complaint with their company in general I just would like my money and I also have screenshots of the day I Transfer the funds and the hours I sat on the phone.
Consumer complaint received 2021-09-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc. ()

Dear Sir/ Medam I am a small virtual currency investor. I have a accounts with company called Blockchain wallet. On XX/XX/2021 I was in a text message conversation from my laptop with the customer advisor from Blockchain wallet. On same time I have received a text message on my phone to upload my ID and a selfie to verify my Blockchain wallet. 

Couple of hours later I realised some of my funds has been transferred from my blockchain wallet with two unknown transactions which hasn't been done by me. 

I contact with the wallet provider unfortunately they are not helping me at all. On their response they said my wallet has been compromised. 

Later I requested them to transfer my rest of the funds to somewhere in safe. Blockchain advised me to open a new wallet. I opened a new wallet followed with all the instructions from blockchain wallet. Unfortunately I am not getting any response from them. 

My rest of the funds are locked on my blockchain wallet. 

Please help me to come out from this situation. I am sending this to you as because I received the text message from USA also there was a attempt to login my blockchain wallet account from USA. 

If you require anythings to know please contact with me. 


Kind Regards XXXX XXXX XXXX
Consumer complaint received 2021-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I wrote a letter to Transunion, XXXX and XXXX asking them to take action to get my inquiries removed from their records and to remove any record of the inquiry with all credit reporting agencies. A police report was uploaded to each company regarding the unauthorized usage. Please investigate these inquiries at your earliest possible convenience to ensure my credit score is showing an accurate depiction of my creditworthiness.
Consumer complaint received 2021-09-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

This complaint is directed towards CoinBase global. Full disclosure I was not materially affected by this situation, but I did witness this situation take place and am submitting a complaint on behalf of everyone who was harmed because I want to add my voice to a call for CoinBase to do the right thing and make their loyal customers and investors whole. 

CoinBase recently listed the crypto token Shiba Inu on their CoinBase pro trading platform. Due to their botched rollout of the token, the price tanked and cost those buying the token on their platform most of their investment within seconds. 

Specifically what happened. CoinBase allowed purchase of Shiba Inu on their platform but not the inbound transfers of shiba Inu from other exchanges or external wallets. This caused the price of shiba into to become inflated far beyond its market value as traded on other exchanges. 

CoinBase stated that there was a technical problem with inbound transfers of shib, but failed to protect their customers in any way, by closing trading while the technical issues were fixed or closing their traders positions before they took actions which would crash the price -698 % in 1 hour. 

Eventually CoinBase would announce that inbound transfers of Shiba Inu would be accepted and the bubble in price of shiba Inu that exited on CoinBase popped as shiba Inu tokens flooded into coinbases exchange from outside exchanges and wallets. 

I do not believe that CoinBase intended for their customers to experience losses in this way, but it was their actions that appear to have caused significant pain for many people. As soon as I witnessed the price drop on my CoinBase pro account I went to CoinBase pros XXXX account and read a litany of complaints from people who lost a significant amount of money. If CoinBase does not compensate these people commensurate with their losses then CoinBase is contributing to a negative image of crypto as a whole. 

I continue to use CoinBase for my trading activities and as stated previously did not personally suffer materially losses from this situation. 

I simply want to call on CoinBase to DO THE RIGHT THING! And make people who were ensnared by this situation whole.
Consumer complaint received 2021-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MS)

CREDENCE RESOURCE MANAGE at XXXX XXXX XXXX XXXX, XXXX, TX XXXX has been sending me collection notices in the amount of {$1000.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2017-09-15
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (CA)

Navient has called my brother, parents, and brother-n-law harassing them about my debt that is owed. I 've asked them repeatedly to not contact my family as this is an embarrassing subject. They call and harass me saying they will take legal action and that I need a lawyer.
Consumer complaint received 2021-09-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AL)

Social security was sending my direct deposit into a savings account and not a checking account and the reason why I feel that Wells Fargo bank has taken advantage of me and the other customers and consumers by opening up fake accounts with out the permission of the consumers and customers permission and authorization of those customers and consumers knowledge.wells Fargo bank was fined XXXX XXXX dollars for XXXX XXXX accounts with out the permission and authorization of those customers and consumers knowledge. A past employee that worked in the fraud department XXXX XXXX said that Wells Fargo was closing accounts that never should have been closed. Another thing that happened is that this husband and wife was charged over {$100.00} dollars in fraud this couple had trusted Wells Fargo to help this couple to become financially stable and that trust was not returned. This institution is supposed to be a professional institution but instead Wells Fargo bank has lost the trust of Wells Fargo bank. I can see now that Wells Fargo bank can care less about helping people and consumers and customers by taking advantage of people that are on a fixed income and people that are disabled and struggling just to provide for their families and loved ones.wells Fargo bank has lost the public trust. This institution is a sorry excuse for a professional institution. And I appreciate those heroes for standing up for not only me but for the other customers and consumers that trusted Wells Fargo bank to help those consumers and customers to become financially stable. And now I see how that because of all these illegal activities that Wells Fargo bank wanted those past employee of Wells Fargo bank and has been fired because of tell the truth about all of these illegal activities that they wanted those bankers to participate in.
Consumer complaint received 2019-11-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I submitted a fraud claim to boa in XXXX about unauthorized XXXX charges in the approximate amount of {$6000.00}. It took boa less than 5 days to deny the claim, even before I was able to provide any documentations and their trivial reason was that i logged into my boa online account during the time the charges took place, which means I'm aware of them. I explained to them that that's incorrect and although I've done business with XXXX, those charges were unauthorized. I even sent them proof from XXXX itself, telling me that my account was hacked and encouraged me to report all unauthorized charges to my bank. I reopened the claims weeks ago with the XXXX admission of hacking, police report number, FTC complaint and OCC complaints. Not a single update, I even contacted their phone representative and all they said was I don't know, I'll notate the account. These are claim numbers and amounts as well as the fax text I've seen along with the supporting documents : Hello, Attached are supporting documents for claims : Claim No. XXXX {$2900.00} Claim No. XXXX {$2900.00} My XXXX account was hacked and XXXX has told me in writing to dispute all unauthorized charges that went unnoticed over a long period of time. I also uploaded a copy of my FTC and OCC complaints. In addition, I filled a police report with XXXXPD : XXXX and was advised to file a report with IC3.gov. I would truly appreciate a diligent and prompt reversal of all charges in both claims. 

Warm regards, XXXX XXXX
Consumer complaint received 2023-01-11
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. (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 XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX  # 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OR)

After the recent XXXX data breach, I attempted to place a credit freeze on XX/XX/XXXX at all 3 credit bureaus. I was able to sucessfully freeze my credit using online and phone based systems at XXXX and at XXXX. However, the Experian system is refusing all online requests to freeze credit on XX/XX/XXXX and XX/XX/XXXX. Calls to Experian on XX/XX/XXXX and XX/XX/XXXX direct all credit freeze inquiries to send in paper documents. I can not find any way to contact an Experian representative online or over the phone to discuss this issue. They appear to be deliberately making it more difficult to obtain a credit freeze and provide no way to contact anyone working at the company.
Consumer complaint received 2019-11-10
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: EQUIFAX, INC. (MI)

Date : XXXX USPS CERTIFIED + To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX From : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : File a consumer dispute : 3 Errors on my Equifax Credit Report ( 1 ) I talked to the representative of XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX @ XXXX ( see XXXX XXXX XXXX call log back-up ). The lady told me my ending cycle date is the XXXX of each month and they report to all 3 credit reporting agencies each month and they do not have or never had a balance of {$200.00}. We were both bewildered. She said, XX/XX/XXXX my ending statement balance was XXXX and she see two payments : ( 1 ) XXXX dated XXXX and ( 2 ) XXXX dated XXXX XXXX XXXX. Equifax : As of XXXX Equifax has {$200.00} posted against my account. Please update/fix Equifaxs system. 
. 
( 2 ) Theres an error under my personal information other identification information. I received a notification, XX/XX/XXXX. Someone changed the current address as XXXX XXXX XXXX XXXX, FL 2, XXXX, IL XXXX which is an error, dated XX/XX/XXXX on my credit report system. My current address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX. The Dispute ID XXXX XXXX was NOT updated ( 3 ) Why someone at Equifax establishment made my ssn NOT pass the verification requirement in the Equifax system. Making my ssn unable to be located in Equifax system by other companies including Equifax. 

Filename : Equifax XXXX XXXX SEE 9 ATTACHED DOCUTENTS : 1. Letter Box XXXX + Dispute XXXX Has not been updated > Confirmation XXXX + Dispute XXXX + My Equifax Report Contact Information + XXXX XXXX  XXXX 2. XXXX XXXX XXXX Phone log to XXXX XXXX / + XXXX XXXX transaction sheet 3. SSN Card 4. XXXX XXXX XXXX Bill + Pay your Bill Payment to same account XXXX XXXX XXXX XXXX Bill Tracking ID XXXX / {$5.00} XXXX
Consumer complaint received 2023-01-11
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. (IL)

I contacted the credit bureau because I had XXXX fraudulent accounts from XXXX XXXX  they were taking off my credit report because they were proving to be identity theft. XXXX month later they were placed back on my credit trousseau collections account from a company named XXXX XXXX. Please investigate into this because under my fcra this should have not occurred so can we please look into this as soon as possible Thanks
Consumer complaint received 2019-11-10
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. (CA)

I requested to all Credit bureau to provide Method of verification and they never responded about that matter. I ask what certified documents were reviewed to conclude your investigation? Please provide me a copy of all information that was transmitted to the data furnished as part of the investigation as required by FCRA. Who did you speak with? What was the date? How long was the conversation? what was their position? All of these questions were on the letter I sent to all three credit bureau and they didnt respond.also show proof of Notice of reinstatement, Notice of sale, Notice of deficiency, and my signature. This credit bureau is reporting fraudulent accounts and inaccurate accounts.Credit reporting laws ensure that bureaus report only 100 % accurate credit information.Please remove these accounts from my credit report. This is Defamation of character .. 
CREDITOR AGENCY, XXXX XXXX XXXX # XXXX CREDITOR AGENCY, XXXX XXXX   XXXX XXXX XXXX VISA # XXXX CREDITOR AGENCY, XXXX XXXX # XXXX CREDITOR AGENCY, XXXX XXXX XXXX ACCT XXXX XXXX XXXX
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX, 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 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 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NJ)

Ive did an application for a credit card XXXX XXXX XXXXXXXX and was rejected. Isnt my failed application a promissory note? So that means you can take my securities and sell them to a third party, therefor I shouldnt have been rejected. Then that means its securities fraud. Especially under an open-ended consumer credit plan.
Consumer complaint received 2019-11-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (NV)

PayPal charged my account inXX/XX/2018 and I've never done business nor had I had an account with them. I contacted them but they say they can't do anything without the card number which I reported as stolen and I no longer have access to it. I tried to give them the transaction details, dates, amounts, account number and they did nothing. They didn't even send a letter acknowledging the situation. I demand an immediate refund to my checking account or via check immediate or I'll take legal action via trial by jury. This is absolutely repulsive.
Consumer complaint received 2021-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

my credit score was XXXX 8 points from XXXX which is my bucket list dream before i buy my house and car this year. my credit has been the same for the last 12 months three credit cards all paid on time. on XX/XX/21 experian dropped my score 45 points for no reason. i had the same 3 credit cards i had last month and all three have a XXXX balance this month and i did use my cards but i just paid them off by the end of the month. there was and is no reason to drop my score 45 points for no reason. 
experian refuses to show my credit approval or credit on my XXXX XXXX plat card which is XXXX and ive told them this 20 times over the year. 
last XXXX experian took 5 points for no reason again.