davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-15
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. (PA)

I am looking over my credit report and I see that the alleged account below is on my credit report. Are you aware that Pursuant to 15 USC 1681c no consumer reporting agency shall include the name, address, nor telephone number of any medical information. Yet your company continues to report this alleged information to my credit report. Please delete the following alleged account as soon as possible as it not only violates 15 USC 1681c, but also 15 USC 1681b as I, XXXX XXXX did not give your company written instructions to include this alleged information. 


XXXX XXXX XXXX XXXX Account # XXXX I have included my license for identification being that you have my alleged personal information in your system WITHOUT my consent you should be able to verify me with the identification ( my license ) that I provided.
Consumer complaint received 2021-03-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Revolut Technologies Inc. (CA)

I had an account with the prepaid card App " revolut '' They asked for ID verification I sent them my ID, Front and back, Proof of employment, My federal tax returns, Etc After jumping through hoops, 1 more request after another, endless documents requested. 
Then they still decided to close my account anyway. 

Fine. 

That's their right. 

But now there is absolutely no possible way of contacting them. 

There is no contact email on the website, the only option to contact them is through the app, only after you login. 

But since my acc was closed, my login no longer works, so I can not login. 
please, I urge you to look into this. 
This company still has a relatively large amount of my money that was in that account, And since the time they closed it, the IRS claims to have sent both the 2nd and 3rd stimulus payments into that same account. 

PLEASE help me to contact this company, and PLEASE investigate this so it doesn't happen to others. 
This is literally a scam fake bank. 
Fraud company
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX/XXXX/20, I wrote disputing these inaccurate items I just discovered on my report. I recently pulled a copy of my report after being notified my information was impacted by the XXXX data breach. To this day over 60 days later I still haven't received information on the status of your investigation. I starting to feel like Im just another number caught on a hamster wheel. Im asking you to investigate these inaccurate and erroneous items and delete if you can not verify these. I have enclosed the items again for your assistance.
Consumer complaint received 2021-03-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

FOR THE RECORD THISBIS NOT A COMPLAINT THIS A CLAIM BY A LIVING MAN NON ARTIFICIAL PERSON XX/XX/19 We have orginal in good faith sent a affdavit of truth in reference to this fraudulent loan number # [ XXXX ] attach to our private property which has been rebutted under penalty and perjury without any response point for point. We have been very patient with these perpetrators and still no remedy. This will be the Cfpb Actual notice of crimes currently ongoing. These individuals unlawfully actions are directly responsible for the distress financially emotionally and mentally over the past 24 months and counting. While during a pandemic these individuals sent people to our private property against our consent on two occasions .Attach is prima facie evidence and the CFPB must uphold the law or be expose to charges as well .We the people are free and owe no obglations to this artificial enity. As public servants who are only here to sereve us your MASTER We demand for this cliam to be addressed Immediately. First and foremost this fraudulent debt that doesn't exist must be erase in compliance with the bill of rights but more specifically title 15 is self explanatory and must be compeststaed as well for damages. Thank you in advance for your service which you have a duty to provide. 

AGENT TO PRINCIPAL IS PRINCIPAL TO AGENT IGNORANCE OF THE LAW IS NO EXCUSE NOR DEFENSE
Consumer complaint received 2021-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AT&T (WA)

I received a letter from XXXX about a A T & T bill that is not mine. I have never had an account with A T & T now or at any time. 
I have written to them saying the debt is not mine. I have also gone online and found that this collection agency in Florida has many consumer complaints for the exact same thing. They try to collect a debt for A T & T for a debt not owed. 

They asked that I pay half of the debt XXXX. Reference number XXXX
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2021, I submitted a dispute with XXXX, Equifax, and XXXX. I asked them to verify inaccurate accounts. They have yet supplied me with the outcome of the investigation.
Consumer complaint received 2017-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (VA)

Due to a paperwork mixup,  Roundpoint  Mortgage thought they owned the servicing rights to my mortgage, but they did not,  XXXX  did. I am attaching the welcome letter from  XXXX , clearly demonstrating that  XXXX  acquired servicing rights effective   XXXX   XXXX  2017   . For  XXXX  months,  Roundpoint  harassed me asking for payments. Finally, after I filed CFPB Complaint #  XXXX , Roundpoint sent me a letter acknowledging that  XXXX  owned servicing rights and that I would be goodbye 'd by Roundpoint, which I have attached.     However, today,   XXXX   XXXX  2017   , I received a phone call from  Roundpoint  asking for my " past due '' payment for  XXXX . This is a payment that I never owed to  Roundpoint  because they no longer had my servicing rights at that time.     I need the phone calls from  Roundpoint  to actually stop.
Consumer complaint received 2021-03-16
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: WELLS FARGO & COMPANY (OH)

Wells Fargo Education Financial Services reporting to credit bureaus that my name is on the following account as a co-signer. This is not correct. I did not co-sign for this loan. 

Account number XXXX Wells Fargo Case Number ( for dispute I opened ) : XXXX Wells Fargo sent me a Fraud Packet to complete and return to them for further investigation. This packet includes their requirement to file a police report and send them a copy as well as a signed, notarized statement indicating that I would support the civil proceedings against the fraud perpetrator. 

I will not complete the Fraud Packet request. However, if I must, the police report will reflect the perpetrator as Wells Fargo Education Financial Services. 

I see in 2016, Wells Fargo Bank was held accountable for similar actions to the amount of {$3.00} XXXX in penalty.
Consumer complaint received 2021-03-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Capital Solutions, LLC (CA)

We have no debt, other than our mortgage ( which we have always been current on ). We get a call from Reliant Capital Solutions about once a week. I do not want to interact with them in any fashion. We are not in arrears on anything and I am not interested in discussing our finances with them.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion will not report my credit while I attempt to obtain a service from a merchant that requires reviewing my credit score. The merchant states that TransUnion has reported a freeze on my credit reporting. I have no freeze on my TransUnion credit reporting. 

TransUnion can not be contacted to resolve this error on their part. 

All attempts to contact TransUnion have failed, there is no manner to reach a human at TransUnion. 

TransUnion improper freeze of my credit has impacted my ability to secure credit. 

TransUnion 's refusal to lift the improper freeze is negatively impacting my ability to secure credit.
Consumer complaint received 2021-03-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

ARS is reporting a debt of {$1500.00} on my credit report however I do not owe this debt. I have reached out to the XXXX XXXX XXXX, which was the hospital I was seen at in XX/XX/XXXX and they stated that I do not owe {$1500.00}. Also someone from the hospitals billing department called the insurance company XX/XX/XXXX at XXXX letting them know that I dont owe {$1500.00}. I have also called my insurance company that I had at the time which is XXXX and they told me nothing in their systems states that I owe that amount. I reached out to the collection agencies about three times now and they still refusing to remove this debt or provide any validation or proof of this debt. Also they have hung up in my face several times.
Consumer complaint received 2021-03-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Credit Bureau of the South, Inc. (LA)

On XX/XX/2021, I called deliquent recovery to work out a payment arrangement on debt. I was told by the Judge and Attorney XXXX XXXX on XX/XX/2021 to work out a payment plan with the collection agency. On my paperwork Attorney XXXX notated for me to speak with " XXXX ''. When I called XXXX transferred me to " XXXX ''. I offered {$60.00}, {$80.00}, and {$100.00}. I explained to her that that's what I could afford. She started yelling at me and told me I was ridiculous and I better get out of the double digits. I explained that I was told to call and work out a payment plan. I asked to speak with XXXX XXXX she told me that he was in court and that he worked for them. I told her that my balance is XXXX and she told me my balance was XXXX. My paperwork has the amount, but she trying to make me pay more. Also, they are trying to make me pay for damages to an apartment, however, the landlord could not provide pictures of the damages. I dont agree to having to pay for something that could not be proven. She said she was going to garnish my paycheck and hung up the phone.
Consumer complaint received 2021-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NJ)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal I have to pay bills I received my Benefits there and Im having trouble withdrawing them I have to pay rent. This is not only happening to me but a lot of people i dont know whats the purpose on doing this when I verified my identity. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hi, I went for a car repair with XXXX XXXX XXXX.I got a code XXXX is a knock sensor code.When I left after I was driving my car at the first time over 30 miles the computer threw the same code again.I went back and tried to solve the problem with the merchant but they refused to do the job.I dispute the charge under I am not satisfied with the workmanship.The credit card company asked for proof of fixing my car but I could not show that because I already spent way too much money with the merchant.I am planning to fix my truck but I could not find anyone to work on my vehicle yet.Before I went to a different mechanic and after that XXXX started to work on the car they could not solve the issue either.I paid for a repair close 2000 $ /the first shop and XXXX  all together/.The credit card company closed my complain because they claimed that they did not get my paperwork on time.They closed the option to upload anything on the last day.I faxed the paperwork to them on the last day which was XX/XX/XXXX but they did not do anything.
Consumer complaint received 2021-03-16
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. (AZ)

I have disputed multiple times payment history is incorrect on account. This account is showing open from 2015 and has no payment history but yet has late payments? I have also sent them a certified letter disputing errors and they did not respond at all. It has been 30 days now as well and they have not responded according to the Fair Credit Reporting act.
Consumer complaint received 2022-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

1 ) Two payments were sent via XXXX XXXX XXXX online XXXX to Loancare for {$520.00} around the first of XXXX and first of XXXX. XXXX XXXX tells us they havent received the payments from Loancare. Loancare says they have no record of receiving these payments. XXXX says the funds were debited. XXXX provided a copy of a deposited check from XXXX, deposited to a XXXX XXXX account. 
XXXX XXXX went ahead and made an additional payment to XXXX XXXX for {$1000.00} in late XXXX to ensure the account stayed current. At this point wed just like a refund of the payments sent to Loancare. 
2 ) A negative remark was added to our credit reports XX/XX/22 showing the XXXX payment was missed and the account was closed more than 90 days past due. 
a. Wed like our payment history accurately reflected on our credit reports.
Consumer complaint received 2022-01-03
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: Experian Information Solutions Inc. (PA)

I am a victim of Identity theft. The 1st incident reported was XX/XX/2021. Even after I locked all 3 of my credit reports and added a fraud alert on XX/XX/2021. Several attempts to obtain credit and open bank accounts in my name have been made. One particularly event.

Actually 13 attempts using various variations of my name where used to acquire a covid relief loan through the US small business administration on XX/XX/2021. This was reported immediately on XX/XX/2021 to the US Small Business administration ( reference # XXXX ), CFPD, FTC and a police fraud report with XXXX XXXX XXXX in XXXX PA. 
* My issue here is the hard credit inquiry causing a negative effect on my credit report that will stay for several years. I have made several attempts to have the US small Business association and Experian credit reporting agency to have the inquiry removed. Because I am a proven victim of Identity theft prior to this incident and I am not in business it should be removed. Both companies have stated it is the other companies responsibility to remove it.
Consumer complaint received 2020-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (MO)

Franklin Collection is trying to collect a debt that originated from XXXX XXXX XXXX that was fully paid. I have no contract with Franklin Collection and therefore I owe Franklin Collection no sums of {$630.00} that Franklin Collection is attempting to try to collect of the behalf of XXXX XXXX XXXX. Please send me any contract with my signature and verification of the debt said to be owed.
Consumer complaint received 2020-07-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (CA)

Aldous is collection company for XXXX fittness center, i have never been a member no i have ever been to thier gym, apparently it was open XX/XX/2017. this has been impacting my credit, i beleive i am victim of identity theft.
Consumer complaint received 2023-10-21
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: QC HOLDINGS INC (MO)

Lendnation is one of the payday loan it is {$1200.00} but I barrow {$600.00} from them then other company is XXXX XXXX I owe them {$700.00} but I actually barrow {$450.00} and then my bank account is overdraft by {$450.00} because someone stolen my identity and my income is {$910.00} and my rent is {$200.00} and my electric is {$140.00} and my phone is {$140.00} and my internet is {$60.00} I got all this going identity theft and hackers going on and scammers how can I recover from it
Consumer complaint received 2021-03-16
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: WELLS FARGO & COMPANY (OH)

Wells Fargo XXXX XXXX XXXX reporting to credit bureaus that my name is on the following account as a co-signer. This is not correct. I did not co-sign for this loan. 

Account number XXXX Wells Fargo Case Number ( for dispute I opened XXXX : XXXX Wells Fargo sent me a Fraud Packet to complete and return to them for further investigation. This packet includes their requirement to file a police report and send them a copy as well as a signed, notarized statement indicating that I would support the civil proceedings against the fraud perpetrator. 

I will not complete the Fraud Packet request. However, if I must, the police report will reflect the perpetrator as Wells Fargo XXXX XXXX XXXX. 

I see in 2016, Wells Fargo Bank was held accountable for similar actions to the amount of {$3.00} XXXX in penalty.
Consumer complaint received 2021-03-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management is taking me to court for a account that has passed the statue of limitation. The statute of limitations on a debt in Texas is four years. That means you can't be sued for it after that. Statue of limitation starts on the 1st defaulted payment and does not get restarted. 
Upon doing more research there are lawsuit from many including the CFPB for violating the 2015 consent orders ( attached ) File No. 201 -CFPB-0022 In the Matter of : Encore Capital Group , Inc. , Midland Funding , LLC , Midland Credit Management , Inc. and Asset Acceptance Capital Corp. ,. Also no disclosures of the fees was sent out. Plus using misleading information to validate account. They have not provided account history from XXXX XXXX showing the 1st late payment. They did not show a purchase agreement / bill of sell they are the new owner of account, need to provide a copy of it. Again violating the 2015 Consent Orders. I am asking for them to remove negative credit reporting from all 3 credit bureaus.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$1800.00} Status Collection account. 


This account is listed as 4 separate collections on my XXXX, XXXX, and TransUnion credit files. I have reached out to the credit bureaus on multiple occasions to fix this inaccuracy to no avail. This is a SINGLE account in collection not 4. This debt collector - XXXX XXXX XXXX- is reporting the single account as 4 separate accounts. The credit bureaus need to properly reflect my credit accounts and remove the 3 duplicate accounts.
Consumer complaint received 2021-03-16
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: ACIMA CREDIT, LLC (AZ)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results since.