davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (NY)

On XX/XX/XXXX, I faxed SageStream LLC, a letter and provided required documents to have a Security Freeze put on my credit & consumer reports. I then sent via USPS certified mail, the same items, along with receipt of the fax being completed. On XX/XX/XXXX, I called and left a message - the message stated my call would be followed up within one business day. It was not. On XX/XX/XXXX, I called and left another message - the message stated the same " would be followed up within one business day. '' It again, was not. On XX/XX/XXXX, There appeared to be an online portal, which allows you to put a security freeze on your reports. I did this, and wrote another letter, which was sent via USPS certified mail. I have provided copies of the USPS Certified Mailing, showing the items were delivered. As of XX/XX/XXXX, No Security Freeze or Fraud Alert requests has been provided to me!
Consumer complaint received 2022-05-01
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: Experian Information Solutions Inc. (DE)

XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX I have no idea who these people are or who this company is I have done no business with them nor do they have a signature of my please remove these negative accounts off of my credit report immediately thank you
Consumer complaint received 2022-05-01
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)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2021-07-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C. (CA)

Wilber And associates called me saying that I owe money for a car accident. I was not, nor have I ever been in a car accident. I told them they had the wrong person, and they said my license would be suspended if I didnt pay. I received a letter in the mail from them saying I owe {$2300.00} and gave me ways to pay this debt. This debt is not mine, and I have never been in a car accident.
Consumer complaint received 2022-05-01
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. (IL)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2021-10-27
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. (AZ)

XXXX XXXX Dear Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX Made on : XX/XX/XXXX Made with : Transunion Made by : XXXX Made on : XX/XX/XXXX Made with : transunion
Consumer complaint received 2021-11-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MN)

On XX/XX/2021 I purchased XXXX XXXX XXXX Coinbase at XXXX per XXXX. A few days later I noticed that Coinbase was locking up purchases and sales of XXXX. Remembering XXXX XXXX theft in XXXX concerning other securities, I decided to record video and picture evidence that my purchases had been made, and that I had received the correct amount of XXXX. I also downloaded a report ( essentially a receipt of transaction ) from Coinbase, which also backs up the purchase I made. 

Days later the amount of XXXX in my account was reduced to XXXX. I was given no notice of this happening. It was also at this time that I noticed I could not make any sales through my account, but I could still make purchases ( which seems fishy at best, and fraudulent at worse ). I attempted to contact Coinbase, however they did not immediately respond, and so I also filed complaints to multiple regulatory agencies. 

Recently they did respond to me and tried to claim that it was a display error. This is not true, as I was given a receipt which stated I purchased XXXX XXXX  at XXXX per XXXX. A display issue would not have registered in the report. I still am not allowed to make sales through Coinbase, only purchases. What is the point of purchasing XXXX on an exchange when you are then cut off from selling said crypto? This is fraudulent behavior. I have already lost out on multiple profit opportunities due to Coinbase 's fraudulent behavior.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Earnest Inc. (GA)

I have two student refinance loans with XXXX/Earnest ( Earnest.com ). I recently moved and changed my address for many of my personal accounts. I gave Earnest my correct new address, but they still somehow reported it incorrectly to the 3 major credit bureaus as well as the 2 smaller ones ( XXXX and XXXX ). 

I requested to Earnest that they fix this issue as when I tried to have XXXX   remove it, they said that Earnest must first correct it on their end. After contacting Earnest, they told me that they do have the correct address on file and that's it's not their problem. 

I now have inaccurate information on all of my credit files and am having personal information mailed to the wrong address. Please assist me! 

The correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, GA XXXX Incorrect address reported by Earnest ( missing the " XXXX '' in my Apartment number ) : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Thanks!
Consumer complaint received 2021-07-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On XX/XX/2021 I purchased a cashier 's check from my Bank XXXX Bank of America XXXX in the amount of {$400.00} and paid {$15.00} for the check. This check was made out to the Oregon XXXX with the note " Plate Transfer and Registration renewal. '' I sent this check, the registration documents along with a letter to my car loan lienholder ( also Bank of America XXXX with instructions to send all of this along with the title in their possession to the Oregon XXXX to process the registration. They complied except they did not send the cashier 's check. Instead they took the check and cashed it against my vehicle loan. I was not defaulted on my loan and in fact was ahead on payments. For the next XXXX months a Bank of America representative called me weekly asking about the progress of my registration. Both the XXXX and I were at a loss about where the check had gone until we uncovered the above. I can't describe what the bank did -- -cashing a check made out to the XXXX  for themselves -- as anything other than check fraud. They also had me pay {$15.00} for this check on top of it, and delayed the registration of my vehicle.
Consumer complaint received 2022-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Avant Holding Company, Inc. (NC)

An unauthorized person used my identity/information to try to obtain a credit card from Avant. I immediately saw the erroneous attempt and called Avant to request that they decline the credit card application on the basis of fraud. After being told to email " XXXX '' several times, I told the customer service rep that this simply wasn't good enough for someone to contact me in 5-7 business days and I wanted to be sure that the credit card application was declined or flagged as fraud. They allegedly flagged the application but I couldn't talk to the Fraud Dept or anyone else to get resolution beyond a customer service rep. I immediately emailed " XXXX '' with the information. I wasn't contacted so my husband filed a XXXX  Complaint ( since the criminal used his email address as part of the credit card application ). Only then did Avant reach out to me. They sent me a form to complete and send back, which contained all of my personal information like SSN, DOB, Driver 's License, proof of residency, but have not provided a secure email or file transfer option. I don't feel comfortable sending this into a general/unsecured email box or via fax or mail. They have not responded with a secure email option. Avant seems to be ripe for fraud since they don't do a " hard pull '' on financials of those applying and obviously, have an inept fraud department who is completely unresponsive unless you file a XXXX Report to deal with these targeted fraud issues!! I saw the fraud happening in real time and Avant was completely unprepared to handle the issue ....
Consumer complaint received 2022-05-01
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. (IL)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXXXXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2018-02-12
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: Early Warning Services, LLC (OK)

I have a profile with XXXX app through XXXX ( XXXX ). Not sure what's the password. I contacted XXXX CS todayXX/XX/XXXXand they requested me the last 3 digits on back the card. I provided it to them but they sad it's invalid, of course, because XXXX has been replaced my card. The representative said I have to contact XXXX to provide me the last 3 digits of the old card. I don't need to say XXXX CS said it's insane nobody stored old information due to security. It's ok so I enrolled in XXXX using XXXX but I never get a password for, I requested reset password on the app and said the account has been locked. I contacted the XXXX CS again and they said my personal information 3 digits back of card and zip code doesn't match with XXXX information. Which is not true I have all my profile open on my side.Very complicate XXXX CS.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have no idea whats going on. I never used my credit and its telling me that I got Mortgages it says I have loans grants all type of things that Ive never gave XXXX for Credit cards and more Im trying to freeze my account clean a fraud or something. Can you please help me before my name get dragged of the dirt
Consumer complaint received 2023-02-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (NC)

XXXX XXXX sold a claimed debt for renting a home to National Credit System .They sold a debt claiming l owed them $ XXXXNational Credit system put this said debt on my credit report without verification of the debt.This caused me to lose the house l was going to get because it messed up my credit.Then XXXX XXXX  send me send me a letter that l didnt owe them {$4900.00} dollars l owed them {$2100.00}. Those company has messed up my credit cause me not to get the house l wanted to purchase. They were notified 60 days in advance that l was leaving the apartment by mail and on their XXXX site, In which l have no access to.They sold this said debt on myself and mother XXXX XXXX with XXXX different amounts {$3700.00} to National Credit System.Then saying l don't owe $ XXXX don't owe them any money they are confused and have mess up my credit.l had to pay my lender to take that said debt off my credit report and my mother 's. They have made me lose my dream home and l don't owe them any money.
Consumer complaint received 2021-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I've been writing checks from this account which I had signatory power for over 7 years. My Dad passed away on XX/XX/21. On or about XX/XX/21, WITHOUT ANY NOTICE OR WARNING, Bank of America, ( BOA ), withdrew all the funds from the account leaving a zero balance, and froze the account. When I called to find out what was going on, they said I could no longer access the account until a bunch of legal steps take place which only a lawyer could institute, and that my Dad 's death certificate and his will naming me as the Successor, ( after my Mom 's passing ), was insufficient. What is the purpose of a will? They also refused to honor any checks that were previously written and not yet cashed from that date, causing the situation of possible bounced checks and a lot of aggravation. I submitted a complaint to the XXXX XXXX XXXX XXXX XXXX, but they said they had no jurisdiction over BOA and referred my complaint to you. I believe their 'stealing ' of funds, and not allowing me access to these funds to take care of my Dad 's financial affairs, even with a will, is excessive use of their authority.
Consumer complaint received 2020-06-03
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. (FL)

My Name is XXXX XXXX Todays Date is XXXX XXXX And I Am The Only One Involved In This Complaint My Equifax Report Report Number XXXX And My FTC Report Number is XXXX I'm Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Accounts As I Could .Also Recently I Called Equifax Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful At All These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With Equifax ..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting Inaccurate Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent I Even Called Equifax Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way Equifax Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report Number XXXX 605 ( b ) Block. Item must be blocked in no less than ( 4 ) days
Consumer complaint received 2019-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MB FINANCIAL, INC. (IL)

Unauthorized withdrawals of over {$30000.00}. XXXX XXXX XXXX was notified, but nothing was done to resolve issue from XX/XX/XXXX to XX/XX/XXXX. A XXXX County Sheriff 's, XXXX, IL, report was filed, XX/XX/XXXX. It was determined that I was a victim of Identity Theft after a second Bank Account, MB Financial was also breached and over {$30000.00} of unauthorized withdrawals happened again in XXXX. Another XXXX County Sheriff 's Report was filed XX/XX/XXXX, and XXXX XXXX, XXXX County Sheriff Investigator is currently investigating along with XXXX County Sheriff as of XX/XX/XXXX. 
XXXX XXXX XXXX, XXXX, IL was notified repeatedly and instead of correcting the situation, they asked that I not come back to the bank. So after Depositing approximately {$61000.00} in XX/XX/XXXX after selling my condo, Mb Financial closed my bank account in XX/XX/XXXX and handed me {$660.00}.
Consumer complaint received 2023-04-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-04
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. (IL)

n accordance with the Fair Credit Reporting act, XXXX XXXX # XXXX XXXX Act. # XXXX XXXX  XXXX Act. # XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX. # has violated my rights. 

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
Consumer complaint received 2021-11-30
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

USAA Savings Bank is reporting an open account on my experian profile that I never initiated. I spoke with the fraud department XXXX XXXX of this year and they assured me the inaccurate information would be removed by the close of the week and I would receive some type of verbal or email follow up. Neither has been done and I am ready to press charges. The person on this case stated on a recorded line he sees what happens and that I was opened up by a XXXX XXXX a member with their credit union. It needs to be removed
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BANK OF AMERICA has just taken an adverse action which is prohibited pursuant 12 cfr 1026.13 by reporting that I have utilized a false amount of my credit.They have not validated any alleged debt or responded to any of the documents I have sent or requested.they have also not responded to my affidavit or provide any evidence to support any alleged debt they claim I owe.have notified them of multiple billing errors pursuant to 12 CFR 1026.13 and TILA regulation Z. I have audited them requesting certain documentation and a full file disclosure both public and private pursuant to 15 usc 1681g, 15 usc 44 and irs publication 583 to further clarify and address my billing errors and see how much is really owed.adverse actions are prohibited pursuant to 12 cfr 1026.13 while Im in an ongoing billing error status and any creditor who takes an adverse action forfeits all rights to collect on the disputed amount and makes themselves subject to civil liability pursuant to 15 usc 1693m.theyre failure to also provide the requested documentation make them liable for criminal liability as well pursuant to 15 usc 1693n.