davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
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. (NC)

I sent a letter on XX/XX/22 to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, STATE EMPLOYEES XXXXXXXX XXXX  XXXX Balance : {$1000.00}.
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Revolut Technologies Inc. (CA)

The conversation I had with the customer service team went on for a while, but XX/XX/XXXX is the date I have on record. 

The XXXX company revolut had a hacking incident, and I felt unsafe with the account. Phishing attempts through XXXX increased by a multiple of at least XXXX after the incident. I never received an email from Revolut about the incident. I found out through the news. 

My concrete complaints are : 1 ) Revolut did not provide information on how my personal information is treated in the company. I am unsure if the leak disclosed my social security number ( if it's unhashed ). They ensured me that my information is secure when it obviously isn't.

2 ) They said they would follow up with me but once the account is closed, I couldn't access my account to get updates, and repeated attempts of trying to contact them resulted in failure. I can't remember if my bank account is linked to Revolut and had to freeze my credit on all three American credit bureau. So far nothing has been taken out of my account as I placed a hold on my funds so no one can withdraw a large amount.

I am not sure if as a customer and a user of pre-paid cards is supposed to receive this treatment, but Revolut 's handling of my personal information and my request to understand how much information is protected has been difficult and unsuccessful. I am not sure how to get help at this point.

Please note that I have attached the entire history of my conversation with Revolut for refrence.
Consumer complaint received 2022-11-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Westlake Services, LLC (MI)

Wilshire Consumer Credit has violated my Federally Protected Rights under TILA and the FDCPA. Wilshire is using XXXX means to coerce and swindle me into paying an alleged debt which is a willful violation of 18 USC 894 it is unlawful to punish a consumer on extension of credit. However a Finance charge was included which meaning thats the sum of all charges ( Grand Total ) leaving no payable amount as cash is inseparable when it comes a consumer credit transaction transaction. Wilshire Consumer Credit has violated my Federally Protected Rights under TILA and the FDCPA. Wilshire also used harassing and deceptive means to collect on an alleged debt willfully and knowingly violating 15 USC 1692e, as they contacted my reference using misleading representation to get my location to repo my vehicle, they told her I filled out for an application and Im approved they need my location however that was deceptive. I am now acting in good faith before pursuing to litigation giving Wilshire a chance to rectify this issue within 10 days by sending my title back certified mail to have a witness, failure to provide my title will result in litigation in Federal Court for double the Finance charge, Statutory damages, actual damages and any amount the court deem just and proper.
Consumer complaint received 2022-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (FL)

It has been about XXXX years now that my money has been locked up weve been mowed they have locked my account stating that it was improper use that I wouldnt be able to get back into the account until XXXX days I transfer money from my regular account which was XXXX XXXX XXXX  my bank account has my name my nameXXXX if they were to do any investigation they would have known that its been over XXXX days and they still will not let me get into the account or lease my funds over XXXX
Consumer complaint received 2022-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (FL)

My mortgage servicing was just transferred to Selene XXXX, website www.selenefinance.com, I have been trying to make my XXXX payment but their website does not accept payments, their phone system doesn't let me make payments and no one at Selene answers the phone. Selene has a very bad reputation, I am a XXXX XXXX XXXX  and am very worried about losing my home to the company. I need to make my XXXX payment asap and am unable to reach anyone at Selene. Please help.
Consumer complaint received 2022-08-25
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I was fraudulently charged twice for a transaction in the amount of {$220.00} on XXXX. I tried calling the merchant and dealing with the bank but I keep getting the run around no one is willing to help me. I have been a loyal customer to Wells Fargo for 20 years and I would expect better customer service.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have repeatedly sent letters to this consumer reporting agency to correct my personal information, My legal name is XXXX XXXX XXXX. I am not a criminal Therefore, I do not have any aliases. This is false statement presented as fact. And it is causing significant damage to my reputation. i need this information corrected immediately.
Consumer complaint received 2022-11-04
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: T.S. Holdings (CO)

I filed a complaint against IQ data international for violating the FCRA and the FDCPA they have not provided me with any notices and have not given a copy if the original contract. They said partially on reaponse " In XXXX of 2022 we received a new address for the consumer and a new initial notice was mailed to the consumer at the address provided with this complaint, which was not mail returned and was deemed received. Prior to our receipt of this complaint, our office reached out to our client in response to a dispute from the consumer. Our client provided a signed leased, move out statement, and full ledger to confirm the balance on file as accurate. '' I provided no signed move out statement this is a lie. I never received any notice at all. However the law provides a consumer can opt out of their information being shared at any time. I am also supposed to get a notice every 30 days before they report. I have not been given that opportunity. They also cite a statement that says they MAY report unpaid balances to collection agencies but that is with the consent of the consumer I give no such consent. I am instructing them to stop reporting negative information to my consumer report in order to coerce me into paying a disputed account this is again against the law. These are clear violations of federal law.
Consumer complaint received 2015-03-31
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NY)

My personal information was taken by an identity thief, I 'm asking the last XXXX hard inquiries ( XXXX ) ( XXXX ) on my credit report. be removed or blocked I have a police report number XXXXThank you in advance
Consumer complaint received 2022-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

XXXX fraudulently submitted two charges to Citi XXXX for scam cash advances, although I had no XXXX account and have never, ever, made a cash transfer on line. Citibank added {$200.00} in fees and interest for the two non-existent cash advances. After several telephone calls, Citi Customer Service removed the charges ( XXXX x {$1900.00} ) AND the {$200.00} in fees and interest, BUT the fees and interest keep reappearing on my Citi credit card bill. All those reachable at Citi by telephone, in XXXX, are consistent only in stating that I have reached the wrong department, whether Customer Service, '' " Fraud, '' or " Security. '' Each of those departments say one or both of the other two should take care of the matter. Transfers to " technical support '' mostly result in recordings to call back at " normal business hours '' even when the attempted transfer by Customer Service was is well-within the Citi business day. You are then disconnected. The one time I got through, the rep listened in silence and then hung-up. Citi seems to have no way for customers to get errors in billing by Citi permanently corrected. The bill for XX/XX/2022, billed the same {$200.00} for a cash advance in XXXX even though the bill shows no such cash advance. This amount, identical to the former, removed, fee and interest changes, is, presumably, the Citi computers trying to get the amounts removed by Customer Service. The " dispute '' record on line claims that Citi has never issued any credit for the XX/XX/XXXX and XXXX, 2022 XXXX fraud, which is also false. 

XXXX, whose " security department '' informed me on XX/XX/XXXX, XXXX, the " cash advances '' were a " known scam, keeps sending what it imagines are threatening emails. I forward the emails to XXXX security and will never pay them a cent.
Consumer complaint received 2016-01-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (TX)

This agency continues to report a debt that I do not owe. Although they responded to my dispute of this erroneous account, they did not provide proper validation. The correspondence that sent me is from an address that they are not bonded to collect in Texas at. They continue to use this address illegally.
Consumer complaint received 2022-08-17
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. (AZ)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2016-05-23
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

This second loan was included in our Chapter XXXX. The court documents show that this loan is to be avoided upon completion of Chapter XXXX. We have completed and received our discharge on XXXX 2015. The loan servicing company America 's Servicing Company which I believe is a Wells Fargo company has been sending me statements and bills up to this date. They have been reporting this account as a charge off to credit bureaus. This is clearly a violation of the bankruptcy discharge injunction.
Consumer complaint received 2020-01-02
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: EQUIFAX, INC. (GA)

I have been trying to get my score and report from Equifax I have mailed and faxed everything they have asked for and they are continuing to ask me to send the same information to them I didn't have this issue a week ago I have attached my driver license to this complaint
Consumer complaint received 2022-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Yamaha Motor Finance Corporation USA (FL)

In accordance of Federal law FDIC " Holder In-Due-Course-Rule '', Federal Trade Commission Act ( Section 5 ) Yamaha Motor Finance Corporation U.S.AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is in violation . 
Upon my records, I, XXXX XXXX, finds Yamaha Motor Finance Corporation, U.S.AXXXX to be " Unjust Enrichment ''. 
As it is evident, I strongly disagree and REJECT any agreement ( s ) I've signed as I'm aware it violates my rights. 
XXXX XXXX ALL RIGHTS RESEVED UCC 1-308
Consumer complaint received 2017-01-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (CA)

I was in the hospital in XXXX of 2015 I XXXX, I was taken to XXXX hospital in XXXX, Calif and XXXX to the XXXX in XXXX, XXXX where there I was in a XXXX for three weeks. I am a XXXX patient and they have paid all of my bills and pre approved my stay. I received a bill from Healthcare Revenue Recovery group. Stating that I owe XXXX and if I do not pay it in 30 days they are going to file a judgment against me. I have called them at first they were not going to give me the creditor information, I have called all XXXX hospitals and physicians and all have said I have a XXXX balance. I do n't know what this is but a scam, and now they have my information please help me.
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

I'm sorry if this is long winded. All events happened in XX/XX/2021. I'm filling this out without all my documentation with me, but I can provide dates at a later time. 

So it all started when I ran out of checks and couldn't pay my rent. I went and bought two money orders one for {$1000.00} and the other for {$440.00}. I put my landlord 's name on them and gave them to him. A couple of days later, the super returned the money orders to me and explained that he couldn't deposit the money orders via his bank because they didn't accept mobile money order deposits. So he endorsed the money orders and gave them back to me. 

I have XXXX XXXX  and I also am not able to deposit money orders on their mobile app. So I went to Chase Bank, who I have a credit card with, and opened a checking account using the money orders and additional cash that I have. I made sure to confirm that I would be able to deposit the money orders with the employee assisting me. 

About a week later I received an email stating that my new checking account was being closed due to suspected fraud. I went to a branch to figure out the issue and they said that due to a credit freeze that I had put on, due to a previous identity theft earlier in the year that the opening of the account was fraudulent. I replied that I had shown them three IDs while opening the account. They did not have a response. They then explained that the cash I had deposited will be mailed back to me, but that the money orders I had deposited would have to be claimed by the person whose name was on them and that they would have to come in with the ID and speak to bank staff. 

I speak to my landlord to convince him to go with me to the bank and he then explains to me that the name he goes by is not actually his name because he is an XXXX and his name is too confusing for Americans and that's why he goes by XXXX. 

I call Chase bank and try to explain to them that the situation and that the name on the money orders is for someone that does not exist. They are also not money orders anymore as they have been cashed by Chase. I've spoken on three or four different occasions and unable to find a resolution to this. I keep being told that the person who the money orders were originally made out to has to come in and speak to someone at a branch. But this person doesn't exist. It was even suggested I wait seven years when the money goes to unclaimed property. 

Is there anything you can do to help me?
Consumer complaint received 2022-08-25
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. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXXXXXX Balance : {$4000.00}, XXXX XXXX XXXXXXXX Balance : {$660.00}, XXXX OXXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$450.00}, XXXX OF XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NV)

his goes to XXXX and EQUIFAX, my credit was ruined by several illegal companies, I have told you both for years to send me proof you have not. I have sent you both and ATTORNEY GENERAL office a letter saying inparticular XXXX XXXX CREDIT CARD was owned and started by XXXX XXXX in XX/XX/XXXX, I was an authorized user only in XX/XX/XXXX-XX/XX/XXXX. I have provided you with a letter from XXXX XXXX who states this, also you also DID NOT mention fact the card was also identity theft and i sent paperwork to you both, you have not complied with sending me any FORMAL signed paperwork to me from XXXX in four years or recently from consumerfinance.gov filings, # XXXX, XXXX. I however have. Federal Trade Commission and other government agencies and consumerfinance.gov not only do not look kindly on XXXX XXXX not providing proof I Was a co-owner of card or authorized user only, but not shown you second reason card does not belong on account which is fact It was identity theft. Both XXXX and EQUIFAX are in direct violation of conspiring to embezzlement with XXXX XXXX by not removing me from my credit for four years. I also sent a letter over a month ago FEDERAL TRADE COMMISSION approved telling XXXX and EQUIFAX it has not complied with these laws for year ruining my health, credit score and job score and then some. And when XXXX XXXX was removed you allowed them to go bank on costing me over XXXX points in one week combined with both crediting companies. I Am building a huge case against XXXX XXXX for several other issues, if XXXX wants to continue or its employees breaking the law, now that I will have all crediting companies employees involved with not handling these issues last years properly investigated, fined and more in my case I have against XXXX in over XXXX bank, credit card and bad faith insurance issues. I am sending this to ATTORNEY GENERAL OFFICE in which they were sent the 30 day compliance letter over 50 days ago. I suggest XXXX and EQUIFAX call me asap at XXXX with a correct number and be ready to settle this or you will be put into the case I have against, XXXX BANK, XXXX BANK only sent you a letter they did not send any proof, anyone can write a letter from an establishment but if I was a co-owner where is my signed XXXX XXXX CREDIT CARD co owner paperwork, plus the card was identity theft, KNOW THE LAW. You are breaking it, I de nounce your other consumerfinance.gov responses is treason, conspiring to commit fraud, embezzlement, possible taking of bribes, breaking federal trade and other regulation laws. And at this time, 4 years of bad credit scoring could cost XXXX and EQUIFAX XXXX dollars and fines and employment loss and bad media coverage if not handled immediatley. I spent hours and hours trying to handle this you need call me and do the right thing, XXXX XXXX is being sued for over {>= $1,000,000}, if you want to join this issue then do n't comply, it only proves my case more and hurts your credit companies that much more. XXXX XXXX XXXX