davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (OR)

On XX/XX/2021 I was trying to log into my Coinbase account on my laptop, which I had done only one or two other times as I normally use my phone app. After entering my login in credentials there was a message stating that my " Account had been restricted and that I need to call the number provided. '' There was also a chat window in the lower corner. I chose to use the chat to notify customer service that my account was locked. The person on the other end responded and told me that my account had been compromised by someone in OHIO. They asked me to open up the email from Coinbase and request that the IP address City : XXXX, Country : United States, IP Address : XXXX in the email not be authorized on my account. They then explained that a customer service rep would call my phone to walk me through the rest of the restart and unlocking of my account. I received a call from XXXX. I began to get suspicious, so I hung up and I called the phone number on the screen, XXXX. 

When the person answered I asked the individual to verify his employment with Coinbase and he gave me a name to XXXX and find his XXXX account. I started to receive messages via SMS and they asked me to enter those ID number to verify my identity. He then asked me to download a program XXXX, which I already had on my computer. From there he requested access to my computer in order to reset my profile for Coinbase. As he began to clear my cache and then he opened a browser window to open my Coinbase login screen and logged in to my account, I saw the list of withdrawals. I started to strongly question what he was doing and began to get upset. He was trying to reassure me that he was trying to help. I hung up with him. I used a different computer to XXXX a customer service number for COINBASE support, XXXX. 

I immediately chose the option to freeze my account. From there I reached a customer service representative that would not disclose any of my account information or balances on my portfolio. She tried to reassure me that everything was going to be okay and that it was going to take about 24hours to get my account reset and recovered. I repeatedly asked to speak to someone in their fraud/security department and was told she had no way to transfer the call and that they would be sending an email for my to communicate any fraud issues with my account. This company processes billions of dollars of transactions everyday. It is unacceptable that they do not have a fraud department to assist in asset recovery for their customers!! 

On XX/XX/2021 at XXXX I received an email that my Coinbase account was recovered, I immediately logged in and reset my password. ALL of my portfolio both USD and Cryptocurrency was converted to Bitcoin ( {$40000.00} ).
Consumer complaint received 2021-05-22
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: EQUIFAX, INC. (FL)

I checked my personal credit report, and I noticed the unauthorized inquiries have been made. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX I contacted and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc. (TN)

SAGE STREAM I applied for a credit card for Ann Taylor XXXX through Comenity bank on XX/XX/XXXX. 
I had a card with them for years, but canceled it in XX/XX/XXXX when XXXX and Ann Taylor cards merged. I did not receive credit for clothes I returned, so I canceled my  acct since they were having so many problems while they were merging cards. 

I applied for a new card on XX/XX/XXXX. They refused to give me one. I have EXCELLENT credit. I called XXXX and Commenity bank and asked why, and they said they could not tell me. They told me to call XXXX XXXX. XXXX XXXX said they could not tell me either, but would send me a letter. 

The letter of XX/XX/XXXX said, " We are unable to approve this application at this time because the information provided by the credit reporting agency has indicated that the applicant is deceased. '' I was concerned I had fraud, so I got credit reports from XXXX, XXXX and XXXX. Everything was correct and my XXXX is still very good. 

XXXX XXXX said that I should contact XXXX regarding my consumer file. XXXX said that they did not see a deceased statement on my file. 

XXXX XXXX refuses to help correct this information, so I am placing a security freeze on my account. 

Who is XXXX XXXX and why are they creating so many problems for people? 

Please take action and help consumers. 

Thank you! 
XXXX XXXX.
Consumer complaint received 2018-06-21
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. (MN)

Experian and XXXX  placed a collections XXXXXXXX XXXX   on my credit report without my knowledge or verifying that the debt was mines. I did not receive anything in the mail about this collections.
Consumer complaint received 2019-02-18
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. (MO)

Transunion is reporting unverified information on my credit report. Below are listed items that have been disputed but I have not received a response with any proof of accounts belonging to me. I have no contract with any of these creditors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2020-04-21
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-07-17
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)

I am filing this report because I applied for the XXXX credit card today XX/XX/20 and I was denied because I guess there are accounts reflecting badly on my credit report. I got a copy of my report and when I was looking through it, I saw a few accounts that do not belong to me. The accounts are from these companies XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX. I have never opened an account with any of these companies nor did I benefit anything from the accounts opened with those companies in my name without my permission such as money, goods, services or any other benefit nor did I contribute to any payments that were made towards these accounts.
Consumer complaint received 2020-10-14
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. (SC)

Experian is continue to state that its not me who is submitting the request and I need proof of identity each time I've attached my info each complaint they are refusing to remove knowingly fraudulent information and violation of 605b. Experian phone system dosent all me to call in it only allows for fraud or security freeze never can you speak with anyone with number listed. Ive also will contact my attorney general with this to ensure that this matter is handle promptly.
Consumer complaint received 2020-04-21
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2018-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (AL)

Suntrust has unreasonably frozen both my business checking account and my personal checking account. I opened my personal checking account a couple of months ago and have maintained a {$500.00} balance for the past month. The account still holds a {$500.00} balance that is unreasonably frozen. My business checking account was opened on XX/XX/XXXX and received a {$300.00} credit on XX/XX/XXXX. The account was inexplicably frozen last week and I'm not given any information as to why. 

I called Suntrust twice on Friday, XX/XX/XXXX. The first time, I was told that my accounts had been frozen and that I'd need to go into a branch and that was all the info they could provide me. The second time, I was told a similar thing but that the office that handles the issues was closed for the afternoon and so I should call back on Monday. I called back on Monday, XX/XX/XXXX and, again, I was told that I'd need to go in a branch and no information could be provided to me over the phone. 

I am currently in Texas and do not have the opportunity to go into a branch. The nearest branch is an 8 hour drive away. I need both accounts to be unfrozen so that I can access these funds.
Consumer complaint received 2020-07-17
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. (CO)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2019-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, Bank of America sent a letter in regards to my account ending in XXXX. Stating that " We've received notification that you've filed a petition for bankruptcy, case number XXXX. As a result of the filing, we've closed the above account. '' The bankruptcy mentioned in the letter has absolutely nothing to do with me ( or anyone I know or am acquainted with ) and was erroneously tied to my account by Bank of America. This is the second time in the past 3 years this situation has happened with Bank of America. 

I am not filing for bankruptcy and never have. 

In XX/XX/XXXX I received a very similar letter, but it did not state my account would be closed. After conducting my own research in XX/XX/XXXX I learned that an individual in Florida who is also named XXXX XXXX filed for bankruptcy, and somehow Bank of America tied it to my account. 

If Bank of America had proper procedures and steps to verify the identity of their account holders and data they receive from third parties, it would have been clear that the bankruptcy should not be tied to my account. 
After speaking with a Bank of America representative on MXX/XX/XXXX, she informed me that this most recent letter is still part of the same bankruptcy filing from XX/XX/XXXX ( case # XXXX ). 

In both 2016 and this most recent situation in XX/XX/XXXX, Bank of America has documented my account that the bankruptcy filing on my account was placed in error. 

However, Bank of America has still closed my account. 

Now this situation has negatively affected my credit due to the closed account, and they will not reopen my account without requiring me to reapply as if I'm a brand new customer. Even though they claim responsibility for the error. 

I refuse to have to go through the reapplication process because the hard credit inquiry will further negatively affect my credit. 

I have been an excellent customer for the past three years with excellent payment history, and my credit is being punished due to an error on their part. 

I request that the account ending in XXXX be reopened as it was before because Bank of America has accepted that it was an error on their part of having the bankruptcy filing on my account. Twice.
Consumer complaint received 2020-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2019-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (NJ)

OnXX/XX/19 I received a credit report alert stating that Penn Credit has placed a collection/charge off in the amount of {$120.00} with an assigned date of XX/XX/19 on behalf of XXXX XXXX/XXXX. This collection was also on my credit report under XXXX  XXXX XXXX  back in XX/XX/2019 and was deleted off my report on XX/XX/19 around the same time Penn Credit stated it was assigned the debt. I spoke with a customer service rep at Penn Credit on XX/XX/19 and stated I never received a dunning notice or any other communication in regards to this debt that appears to have been transferred over. She replied that a notice was mailed out onXX/XX/XXXX and that I should receive it in the mail any day now and that attempted to call a phone number which was not mine. Penn Credit placed a negative collection on my report before I could sent a DV letter in regards to this matter. I have paid the original creditor XXXX XXXX/XXXX and do not owe Penn Credit.
Consumer complaint received 2020-07-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MI)

Hello, in XXXX of XXXX I lost my full time job after working for this organization for 14 years. The same time was diagnosed with XXXX XXXX. I applied for loan modification with my mortgage company, was approved. My modification will end in XX/XX/XXXX, COVID-19 broke out. I received a letter/form from my mortgage company about COVID-19 Protection Program, I signed for it. 
I started paying my mortgage because I am afraid that I am going to be so behind and end up not being able to afford to keep the mortgage current. 
I called my mortgage company, inquire some more help to avail from them. I was asking them if I can request or apply for a program that will help me to put the mortgage payment back toward the end of my loan. Since I was laid off agin ( XX/XX/XXXX ) I was told that I am not qualified for any help because they need a pay stub from me. I was told that since I accept the COVID-19 Protection Plan, that supersede the forebearance I have currently in place. I was also told that I need to bring my account in current to get some help. How to do it, I don't know. I am actively looking for a job.
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, 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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On, XX/XX/XXXX, I requested several times via Bank of America Privacy Assist Representatives and Supervisors to receive my credit scores from XX/XX/XXXX. These are the most recent credit scores following my cancellation of the Privacy Assist during XXXXXX/XX/XXXXXXXX. 

I have been told by privacy assist officials that they can no longer access my membership history because such history has been archived. However, I am writing to file a formal complaint to request the most recent credit scores that were sent to me by privacy assist during the month of XX/XX/XXXX. 

I was a member of privacy assist from XX/XX/XXXX to XX/XX/XXXX. I feel it is my right to have access to information and documents that were provided to me during my membership period, of which I paid {$12.00} per month. 

Additionally, I have learned that a lawsuit was filed against privacy assist for false advertisement and refusal to grant membership for the first 30 days of membership. It is my understanding that this lawsuit was settled back in XXXX. I would like to know if I am eligible to receive a fund for my privacy assist services for which I was billed from XX/XX/XXXX to the end of XXXX, the time frame of the lawsuit. I have called numerous times the telephone number that was give to me by a CFPB representative, but I have been unable reach someone about this matter. I would be most appreciative if someone could help me with this matter.
Consumer complaint received 2022-04-02
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX, Acct # XXXX, and XXXX XXXX XXXX, Acct # 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 2018-03-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (MA)

Security Credit Services is attempting to collect a fraudulent debt. They have listed an account on my credit report for {$890.00}. They are not licensed to collect debts in the state of Massachusetts in which I am a resident.

In XX/XX/XXXXI sent written notice via certified mail requesting validation of debt and 93A Demand Notice informing them of their illegal activity. They failed to reply.

In XX/XX/XXXX I sent a 2nd notice via certified mail 93A Demand. They failed to reply.

In XX/XX/XXXX I sent a 3rd notice via certified mail 93A Demand. They failed to reply.

They are unlicensed, reporting illegally and attempting to collect illegally.
Consumer complaint received 2020-10-14
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Consumer complaint received 2017-07-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Paypal Holdings, Inc (VA)

This has been a ongoing issue that I thought after previous communication it was settled.   In  2008 So ld a item on  XXXX . A   XXXX   XXXX   buyer disputed. because they paid by CC THRU payPal which  XXXX  owes, I automaticalle dlost the right to appeal and no buyer info was given to file a appeal what so ever. Basically, paypal is the judge & jury period ... esp since both companies are same.   Under  XXXX  rules items dispute dare to be returned to t he seller..   XXXX  did not enforce that rule nor wished to make any effort in doing so. ( they already made  $ ).    The attemped a chargeback on me. With out enforcing the rule of item to be returned to sender. I didnt allow that.. I have a judgement against the buyer, which is unenforcable in VA because resides out of state.I have cases against Paypa l &   XXXX  with Online fraud division, the BBB, etc. I have turned PayPal into collections as well.The item was then resold ( stolen merchandise ) ... .and the buyer gained additional monies. Illegal. Warrant has been issed.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I received 6 emails the morning of XX/XX/23 from Bank of American about an account that was being opened ( fraudulently ) in my name. I called BofA and they assisted in closing the account. However, when I asked what information was provided to Bank of America, like phone number and mailing address, identification, they told me it could not be provided. 

I asked what requirements for their Customer Identification Program / Know Your Customer were satisfied in order for them to open the account. I was transferred a few times but never received an answer. I feel as though Bank of American may not be following any guidelines for Know Your Customer / Customer Identification Program if this account was opened so easily.