davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MT)

This complaint regards FedLoan Servicing and a parent plus loan. I paid my loans in full in XX/XX/2019. Because it was paid off sooner than 10 days, there was a credit balance due to me after the payment was made. 

Additionally, even though I instructed FedLoan not to process the next automatic payment, it did still did so. This raised the amount credit balance due to me. 

I have called FedLoan at least three times. I also have sent five emails to FedLoan. I received a letter from FedLoan confirming my loan was paid in full and nothing else is due. 

Even though FedLoan has confirmed my loans are paid in full, FedLoan refuses to pay the credit balance due to me. I have been given no reason for the refusal to pay these funds.
Consumer complaint received 2021-12-26
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. (TX)

In XX/XX/2021 my credit was fraudulently pulled by XXXX XXXX, I filed a complaint XXXX XXXX sent out the fraudulent information to be removed from all three credit bureaus. The XXXXXXXX XXXX inquiry was removed from XXXX and XXXX, transunion is refusing to remove this inquiry from my credit report XXXX XXXX XXXX XXXX XXXX team sending out several letters and emails asking them to remove it. I have the contact information for the representative at XXXX XXXXl below. TransUnion is responsible for removing this fraudulent inquiry. 

XXXX XXXX
Consumer complaint received 2021-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

I was a victim of a data breech by credit companies years ago and was offered to have my scores frozen because of the data breech and identity theft. TransUnion has suspended my account and won't allow me to reset my username and password because of " too many attempts. '' It is XXXX near impossible to talk to a person on TransUnion - there is a menu that screens you before allowing you to talk to a representative and that cuts me off before I have the option. I have tried repeatedly. 

This comes up every time we try to get a mortgage loan or deal with a mortgage loan- they always ask for all three scores and I can't get access to TransUnion. 

Their site is circular, to get a reset you have to have current information, yet it tells me my current information is not correct an blocks me out. There appears to be no way to actually access a person to clean the mess up, but it has no problem blocking me from all access. The other two credit companies don't do this. TransUnion is really awful to deal with and in this case, holding our lives XXXX.
Consumer complaint received 2021-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

I have not been to Georgia I live in Florida. 
I have contacted all three bureaus : xperian says the account is ligament. 
I have had XXXX for over 20 years and have no products or services from XXXX! 
XXXX XXXX inquire # XXXX dispute center Fraud # XXXX I have contacted XXXX this is what they said : Thank you for contacting XXXX XXXX XXXX XXXX XXXX XXXX on XXXX. XXXX XXXX XXXX has received your inquiry and determined that the account you have provided is currently being held by an outside collection agency and must be disputed directly with that agency. 

Please contact Sequium - HQ, phone : XXXX to file your claim of fraud. Once your claim has been submitted and all required documentation has been received, you will receive notification of a decision within 14 days No response from this company leaving messages. 


SEQUIUM ASSET SOLUTION Original creditor : XXXX XXXX  {$810.00} Balance updated XX/XX/2021 Account Info Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$810.00} {$810.00} Payment Info Original balance {$810.00} Balance {$810.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/2021 Additional info Comments Account information disputed by consumer Your statements- Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Consumer complaint received 2021-12-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NJ)

Coinbase XXXX # XXXX At XXXX PM I signed in to my coinbase account. This was quickly followed by a purchase of {$7.00} in XXXX as well as sending of my current holding {$1200.00} of XXXX ; both unauthorized.This was not known by me. I made purchases of {$300.00} in ethereum and {$300.00} in bitcoin.When I pulled up the assets page my {$1200.00} in ethereum had disappeared! I immediately attempted to contact coinbase by phone and email. The phone call was put on hold until XXXX PM then mercifully disconnected- the atrocious violin music on a loop was unbearable. A second call was made at XXXX and the hold time led to a conversation with a human reading a script. The people answering their phones were professional. 
Subsequent phone calls were handled professionally. 
I did not buy the {$7.00} and did not authorize the sending of {$1200.00} to ethereum account XXXX by Coinbase 6. The owner of this account is in possession of stolen goods. 
Using etherscan I was able to see this account at the time was loaded with {$110000.00} worth of crypto of which {>= $1,000,000} was in ethereum. I wonder how much of this was accumulated in The same fashion.Checking the transaction history on the etherscan site shows several transactions from different coinbase numbers and of course one must wonder how much was unauthorized. Perhaps coinbase could cross check other customer issues that ended up with Transfers to account XXXX. The result of such an investigation might provide coinbase with an unpleasant surprise. 
Previous to signing in that night I had no problems. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Consumer complaint received 2021-12-26
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: CITIZENS FINANCIAL GROUP, INC. (NC)

On XXXX, a mortgage loan officer who was pulling my credit report for a mortgage refinance from my bank informed me that there was an overdue credit line showing up on my credit report. I promptly pulled my credit reports and noted on the XXXX Report that there was a Citizens One Line of Credit that showed as opened on XXXX and was noted as 120 days past due ( as of Date Reported XXXX ) for the amount of {$490.00}. As I had not ever had or opened an account with Citizens One Bank, I reported this identity theft issue to my identity theft insurance XXXX, XXXX XXXX. They assigned a restoration XXXX ( XXXX XXXX ) with XXXX who has been attempting to assist me in contacting Citizens Bank/Citizen One Bank to report this identity theft. Both myself and my restoration XXXX have been unable to make contact with anyone in XXXXitizens One/Citizens Bank 's fraud division for almost 2 months as EVERY time we attempt to call the number provided for the fraud department, we receive a voice mail message informing us " Thank you for calling Citizens ID Theft hotline, due to increased volumes, we are unable to answer your call. '' The restoration XXXX I am working with connected me with the bank 's customer service line but b/c this account is now old/likely charged off, they were unable to assist and were also unable to transfer us to the fraud department. In addition, my restoration XXXX provided me with an email address of a department within Citizens Bank who he had had working with another of his clients who had an open case with Citizens Bank : XXXX. He suggested that I send an email requesting assistance in reporting identity theft : I emailed that address on XXXX and never received a response. I would really appreciate someone from Citizens One/Citizens Bank being able to handle a report of identity theft so that I can have this fraudulent credit line expunged from my credit report. There is absolutely no excuse for someone to not be able to report id theft to a bank but Citizen 's Bank is really working hard to make that impossible. 
After doing internet searches on issues with Citizens One Bank/Citizens Bank , I believe that someone opened an XXXX XXXX XXXX All Access account using my social security number and it appears that the only way you can open one of those accounts is through applying for a credit line through Citizens One Bank through various retailers- there is no traceability in this type of purchase. I highly suspect that this type of arrangement with XXXX and Citizens One Bank will exacerbate id theft going forward.
Consumer complaint received 2021-12-26
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. (TN)

On XX/XX/XXXX I mailed in a dispute certified mail to TransUnion that was received on XX/XX/XXXX at XXXX am confirmed by certified mail tracking number ( XXXX XXXX XXXX XXXX XXXX ). 

In this dispute TransUnion was put on notice that items that were being furnished were the result of IDENTITY THEFT see FTC Report # XXXX I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. 

I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file Pursuant to 15 U.S. Code 1681c2 ( a ) : XXXX FUNDING XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX As of XX/XX/XXXX TransUnion has not complied with 15 U.S. Code 1681c2 ( a ) which puts them in VIOLATION of this Law.

Block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act.
Consumer complaint received 2023-12-07
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Allied Collection Services, Inc. (Nevada) (TX)

My fianc and I were signers of the lease and for some reason, we have a collections being reported on our credit from a company called Allied Collections SE and notifications from XXXX XXXX that collection balance has been increasing. I also that realized that the original creditor was our previous landlord, XXXX XXXX. I reached out to the apartment on record on XX/XX/2022 asking for a line item breakdown of the actual quote or receipts showing actual cost and replacement they charged us as I had a right to but they responded to me via email saying that collection company has that information and was stated we will be provided copies. To date, we have never spoken to anyone in person nor have we received any letter whatsoever from said collection agency to verify the debt or who is actually handling the debt other than what is being reported in our credit reports.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-31
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. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-09-10
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. (IA)

I found a credit card account on my credit report that did not belong to me and disputed it with XXXX XXXX XXXX as identity theft. I was able to determine my mother used some of my information to take this credit card out in my name, max it and never make a payment. XXXX XXXX XXXX was reluctant to help and required me to complete a police report which I did. I reported to the XXXX, IA Police Department that my mother had committed identity theft in taking a credit card out in my name. The police department asked for additional information which I did not have and when I requested it of XXXX XXXX XXXX they refused to cooperate with the police investigation. I also hired my boss 's husband who has a lot of experience in forensic and fraud investigation. He reached out to XXXX XXXX XXXX and they required me to fill out some additional paperwork which I did. Prior to filing out that paperwork they said their investigation determined it wasn't fraudulent because of 3 points. Those 3 points were the address of the credit card ( not my address it was my mothers ) the IP and email of the credit card application ( not my IP address and it was my mothers email ) and the phone number used on the account ( not my phone number but my mothers ).

I'm an adult and don't have anything to do with my mother for obvious reasons. I've repeatedly reported this identity theft to XXXX XXXX XXXX and they refuse to remove the account and refuse to remove it from my credit report which harms my credit score. I believe they have violated my rights under the FDCPA and the FCRA. While they were not the initial fraudster, my mother was, they have contributed to perpetrating a fraud and identity theft on me by lacking to apply the most basic of investigative work once they were notified of the identity theft. A child using an internet browser could quickly determine the information XXXX XXXX XXXX points to proves it isn't my account versus proving otherwise. Furthermore, I have witnesses to this which have informed XXXX XXXX XXXX of these errors and they ignore any real evidence.
Consumer complaint received 2021-12-26
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

On the first of XXXX I sent letters to all three bureaus XXXX XXXX, and Experian. It has been well over 45 days. On the XXXX of XXXX I received a letter from XXXX ignoring my request for original documentation. According to the FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract. Instead I was denied my request of my right to the original documentation with no resolve. The other XXXX bureaus have not responded at all. Because of their lack of professionalism. I'm losing out on many personal and business opportunities because of inaccurate reporting on my report. I'm asking you to please help me resolve these issues. So i can move on with my life.
Consumer complaint received 2021-12-26
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: Experian Information Solutions Inc. (OH)

The Federal Government took away our lawful money ( silver & gold ) in 1933 but Congress had to provide the people a remedy. Public Law : Chap. 48, 48 Stat. 112 under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar. That the giving a ( federal reserve ) note does not constitute payment. XXXX XXXX v XXXX XXXX, XXXX XXXX XXXX. 
That the use of a ( federal reserve ) Note is only a promise to pay. See XXXX XXXX v XXXX, XXXX XXXX XXXX. 
That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-11
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: AES/PHEAA (MI)

I was applying for income-sensitive payments that required my tax returns. For some reason, the loan system could not connect to the IRS electronic system and it takes months every time I have to recertify. Fed Loan Servicing has listed it as late during these periods when it should have listed as in deferment. It shows these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as being late. It is incorrect. XXXX  and XXXX  have fixed some of them but XXXX  has not fixed any of the errors.
Consumer complaint received 2021-12-26
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. (OH)

The Federal Government took away our lawful money ( silver & gold ) in 1933 but Congress had to provide the people a remedy. Public Law : Chap. 48, 48 Stat. 112 under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar. That the giving a ( federal reserve ) note does not constitute payment. XXXX XXXX v XXXX XXXX, XXXX XXXX XXXX. 
That the use of a ( federal reserve ) Note is only a promise to pay. See XXXX XXXX v XXXX, XXXX XXXX XXXX. 
That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I found a credit card account on my credit report that did not belong to me and disputed it with XXXX XXXX XXXX as identity theft. I was able to determine my mother used some of my information to take this credit card out in my name, max it and never make a payment. XXXX XXXX XXXX was reluctant to help and required me to complete a police report which I did. I reported to the XXXX, IA Police Department that my mother had committed identity theft in taking a credit card out in my name. The police department asked for additional information which I did not have and when I requested it of XXXX XXXX XXXX they refused to cooperate with the police investigation. I also hired my boss 's husband who has a lot of experience in forensic and fraud investigation. He reached out to XXXX XXXX XXXX and they required me to fill out some additional paperwork which I did. Prior to filing out that paperwork they said their investigation determined it wasn't fraudulent because of 3 points. Those 3 points were the address of the credit card ( not my address it was my mothers ) the IP and email of the credit card application ( not my IP address and it was my mothers email ) and the phone number used on the account ( not my phone number but my mothers ).

I'm an adult and don't have anything to do with my mother for obvious reasons. I've repeatedly reported this identity theft to XXXX XXXX XXXX and they refuse to remove the account and refuse to remove it from my credit report which harms my credit score. I believe they have violated my rights under the FDCPA and the FCRA. While they were not the initial fraudster, my mother was, they have contributed to perpetrating a fraud and identity theft on me by lacking to apply the most basic of investigative work once they were notified of the identity theft. A child using an internet browser could quickly determine the information XXXX XXXX XXXX points to proves it isn't my account versus proving otherwise. Furthermore, I have witnesses to this which have informed XXXX XXXX XXXX of these errors and they ignore any real evidence.
Consumer complaint received 2021-12-26
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: Experian Information Solutions Inc. (AR)

I have dispute accounts on several occasions and this company is still violating my consumer rights. The accounts and inquiries need to be removed or I will proceed with litigation.