davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-24
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. (FL)

Since 2019 I have sent Experian FTC report advising on the fraudulent information reporting XXXX XXXX   and they refuse to BLOCK requesting fraudulent information. FCRA 605 B
Consumer complaint received 2020-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Neon Newco Corporation (IL)

on XX/XX/2019 I redeemed a bond worth {$130.00} from the u.s. treasury dept and hade it direct deposited into my netspend checking acct. till this day they say they didn't get it. but the treasury dept says they have investigated the matter and sent me a e-mail stating that in deed netspend inc. was paid in the direct deposite transfer. till this day I have not been credited to my acct.
Consumer complaint received 2020-02-24
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. (AR)

I pulled my credit to myself because I was alerted when my social security card getting stolen and I saw a list of derogatory items that are not mine including many inquiries. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. I have never given authorization to open any of these unknown suspicious accounts. 

XXXX XXXX {$46000.00} XXXX  XXXX XXXX XXXX {$58.00} XXXX   XXXX {$2600.00} XXXX  XXXX {$1200.00} DEPTEDXXXX XXXX XXXX {$1300.00} DEPTEDXXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$2600.00} DEPEDXXXX  XXXX {$1000.00} XXXX XXXX XXXX {$1100.00} XXXX/XXXX  XXXX {$170.00} DEPTEDXXXX   XXXX {$0.00} DPT ED/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-02-24
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. (AR)

I pulled my credit to myself because I was alerted when my social security card getting stolen and I saw a list of derogatory items that are not mine including many inquiries. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. I have never given authorization to open any of these unknown suspicious accounts. 

XXXX XXXX {$46000.00} XXXX  XXXX XXXX  XXXX {$58.00} XXXX   XXXX {$2600.00} XXXX  XXXX {$1200.00} DEPTEDXXXX XXXX XXXX {$1300.00} DEPTEDXXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$2600.00} DEPEDXXXX XXXX {$1000.00} XXXX  XXXX  XXXX {$1100.00} XXXX/XXXX  XXXX {$170.00} DEPTEDXXXX   XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My identity was stolen in XXXX of XXXX. The identity thief opened many credit cards in my name including a XXXX XXXX XXXX  XXXX  ( as well as an XXXX XXXX XXXX XXXX XXXX  XXXX  ) through XXXX XXXX. On XX/XX/XXXX I called XXXX XXXX  and reported the fraud as well as reporting it to all credit bureaus and the police. I put a fraud alert with each credit bureau. XXXX XXXX  told me they would start an investigation. XXXX XXXX  informed me on XX/XX/XXXX via letter that they found the XXXX XXXX XXXX  XXXX  account to be valid but the others were fraud. I called again and disputed the XXXX XXXX credit card as fraud immediately on XX/XX/XXXX at XXXX with XXXX  ' who said they would send it for re-investigation. XXXX XXXX  sent me a letter dated XX/XX/XXXX saying that they would not re-investigate a duplicate dispute. I disputed the XXXX XXXX credit card account with each credit bureau on XX/XX/XXXX. Equifax came back and said that XXXX XXXX  " verified that this account belongs to me ''. It does not. I called XXXX XXXX  again and disputed again. I received a letter dated XX/XX/XXXX from XXXX XXXX  stating that they " have concluded you are not responsible for the account '' and that they would remove it from the credit bureaus. I thought it would be over at this point but the XXXX XXXX XXXX  XXXX  is still being reported as valid to Equifax. I called XXXX XXXX  again in XXXX of XXXX to report that the XXXX XXXX XXXX  XXXX  was still showing up on Equifax and that I noticed that XXXX XXXX  had reported hard inquiry pulls from the identity thief applying for more fraudulent credit cards with them ( I had an active fraud alert at this time ) : XX/XX/XXXX - XXXX XXXX XXXX XXXX  XXXX  ( XXXX XXXX  ) XX/XX/XXXX - XXXX  XXXX  ( XXXX XXXX  ) XX/XX/XXXX - XXXX XXXX  XXXX  ( XXXX XXXX  ) I called XXXX  again and asked to have the XXXX XXXX credit card and the hard inquiries removed from my credit report was told to " Just dispute it with the credit bureau you can dispute anything ''. The problem is when I dispute it with the credit bureaus XXXX XXXX  tells the credit bureaus that it's valid. In XX/XX/XXXX I disputed all of the above through Equifax again, and the conclusion from XXXX XXXX  was " These Inquiries are a factual record of file access. '' which they are clearly not. I called XXXX XXXX one more time in XXXX of XXXX and told them they are still reporting the XXXX XXXX XXXX  XXXX  to Equifax and they sent me another letter dated XX/XX/XXXX that " I am not responsible for the account '' and they would move this account from my credit report. As of XX/XX/XXXX it is still there as well as the hard inquiries made by the identity thief.
Consumer complaint received 2020-02-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

2017 I opened 3 XXXX cards that were all paid off on time in full and XXXX stopped reporting the trade lines to all credit reporting agencies.
Consumer complaint received 2020-02-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I sent in a payoff amount to capital one /Walmart on XX/XX/XXXX and was told I needed to send a payment of XXXX dollars by XX/XX/XXXX to XXXX  out the balance and they reversed late fees and interest charges on this card on XX/XX/XXXX I had a credit of XXXX dollars on this account. I was told when I paid this account off and they reversed the fees that was all. I then received more interest charges in the same amount that they told me I needed to pay by the XXXX which was XXXX dollars. They claim the interest charges are before XXXX before the account had a XXXX  balance. I spoke with them several times and with different supervisors and they still say that they can charge more interest even after they give you a payoff amount and reverse charges.
Consumer complaint received 2020-02-24
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. (FL)

Since XX/XX/2019 I have sent Experian police reports and FTC reports stating that they are currently reporting a fraudulent XXXX  XXXX XXXX account. They refuse to comply with FTC FCRA 605B. And ignore me and my true dispute.
Consumer complaint received 2020-02-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

2017 I opened 3 XXXX cards that were all paid off on time in full and XXXX stopped reporting the trade lines to all credit reporting agencies.
Consumer complaint received 2015-09-23
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

bank of America sent me a promotional rate to use. I payed off my credit card with bank of America to take advantage of the new rate on the XXXX of XXXX they assured me I would have {$14.00} sent to my bank I called them XXXX of XXXX they assured me the funds were enroute. no money! I called today XXXX of XXXX they told me I had giving wrong acct info, expect deposit by XXXX of XXXX I ask them to ck there recordings of conversation they would not admit whose was at fault.senior in real hardship.help!
Consumer complaint received 2021-04-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (TN)

I took out a loan through Wells Fargo for some jewelry at solitaire jewelry in XXXX, Tn. After getting and approval for XXXX I got some jewelry. XX/XX/2021. A couple of weeks later my credit score went down 119 points which was absolutely ridiculous! I contacted Wells Fargo and they told me that they are able to run my credit. Running my credit and taking 119 points is not the same thing. My credit score went from a XXXX to XXXX. After researching T the most my score should have only dropped 30-40 points NOT 119. I would like to get my points us back because I feel robbed of them
Consumer complaint received 2020-02-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (FL)

2017 I opened 3 Amex cards that were all paid off on time in full and Amex stopped reporting the trade lines to all credit reporting agencies.
Consumer complaint received 2018-05-07
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

When l checked my XXXX, XXXX and XXXX, l realized that ; CAPITAL ONE reported an inquiry to 3 of the bureaus on XX/XX/2018 which l have no idea about.
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

There are 4 student loan accounts showing up incorrectly on my credit report. The highest balance on these accounts are {$1500.00}, {$8000.00}, {$2700.00} and {$3500.00}. There must have been a paperwork error as all the rest of my accounts are showing on time. I was in a deferrment period during the times of the lates that are appearing.
Consumer complaint received 2020-02-24
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. (FL)

XX/XX/XXXX Equifax recieved ( see attatched XXXX shipping tracking label of proof of delivery. see also CRIMINAL INVESTIGATION LETTER of XX/XX/XXXX deliveries not made included in package. see also attatched ID THEFT REPORT case XXXX included in packet XXXX & XXXX. see also included in packet attatched XXXX FRAUD CLAIM LETTER dated XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX Notice of UNAUTHORIZED TRANSACTIONS NEVER RESOLVED. 
Why doesn't Equifax report the ACCURATE INFORMATION ON XXXX OR XXXX? MY CREDIT IS DESTROYED FROM ID THEFT. Also why has Equifax refused to address having no data on me? I filed Equifax Breach Equifax did Not annouce breach for 2 years. Why? I understand BREACH began XX/XX/XXXX Equifax notified XX/XX/XXXX. Why?
Consumer complaint received 2020-02-24
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. (CA)

On XX/XX/2020, I called Equifax because I could not log into my online account and I just signed up on XX/XX/XXXX. Initially I spoke to a male customer service agent and after a few minutes I requested a supervisor because he suggested that the issue was my browser but I explained that it was the same browser that I used to sign up and had used successfully several times after signing up. My call was transferred to XXXX, Employee ID # XXXX, and he suggested that I clear my cookies or use a different browser than XXXX because Equifax didnt recommend it. He said that he could tell me how if I used one of the browsers that they recommended. He went on to tell me that Equifax suggested that I use any of the following browsers such as XXXX or XXXX and I laughed because I told him that XXXX is XXXX and then he said that he wasnt sure if he could tell me how to clear my cookies after all and that I should contact XXXX directly and once again I laughed. He then said tried to suggest that it was my computer that was the issue and that was why I could not log into Equifax. I asked him if they would cancel my account and issue a full refund and he said that they would not give me a refund but that they would be happy to cancel my account. Once again I laughed and asked him if he was crazy or thought that I was just going to allow them to keep my money. I asked him to transfer me to the next level of management and he said that he was the highest person in management. At that point I explained to him that I planned to file a complaint with the CFPB, XXXX  and the FTC and he simply said ok. He then said please hold for a two question survey and the call concluded.
Consumer complaint received 2021-03-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Ray Klein, Inc. (CA)

I am receiving voicemail messages from a XXXX XXXX XXXX. I look this company up on the Web and there is no such company. But that is not the biggest problem the problem is the messages they are leaving are not leaving enough information one they are not asking who they are looking for two they are not saying who they are collecting on behalf of. According to the federal trade commission they have to comply with not only leaving s messages who they are collecting for and asking for the right person so I am under the impression that they got the wrong phone number and the wrong person.
Consumer complaint received 2019-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BARCLAYS BANK DELAWARE (GA)

In XX/XX/XXXX my wife and I filed for XXXX XXXX bankruptcy with XXXX XXXX XXXX and XXXX  in XXXX, Ga. XXXX XXXX XXXX Our lawyer, Ms. XXXX informed us at the time that her office would send out notices to all the companies we owed money to. Ms. XXXX told us further that if a company did not respond to her queries they would NOT be included in the final payment plan set up by the attorneys. We got our bankruptcy cleared out by XX/XX/XXXXand we thought the issue was resolved. 
I began getting harassing phone calls on my mobile phone from a company called XXXX XXXX in XX/XX/XXXX stating that I owed money to Barclays credit card company. At first, they wanted to settle my debt by my paying a small percentage of it with my debit card. I declined to pay because the debt was supposed to included in my XX/XX/XXXX bankruptcy.I informed them of the facts and referred the callers to Ms. XXXX. They persisted in calling and I blocked several cell phone numbers from my mobile.I was told by XXXX staff on more than one occasion that I had XXXX legal charges against me related to this debt.I have yet to receive any notifications by mail or otherwise concerning my alleged credit problem. The latest phone number I have for XXXX Services is XXXX. I saved on my mobile phone the some of the messages that were left for me. I will provide documentation of the phone calls if necessary.
Consumer complaint received 2020-02-24
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. (AR)

I pulled my credit to myself because I was alerted when my social security card getting stolen and I saw a list of derogatory items that are not mine including many inquiries. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. I have never given authorization to open any of these unknown suspicious accounts. 

XXXX XXXX {$46000.00} XXXX  XXXX XXXX   XXXX {$58.00} XXXX  XXXX {$2600.00} XXXX  XXXX {$1200.00} DEPTEDXXXX   XXXX XXXX {$1300.00} DEPTEDXXXX   XXXX {$3500.00} XXXX XXXX XXXX XXXX {$2600.00} DEPEDXXXX XXXX {$1000.00} XXXX  XXXX  XXXX {$1100.00} XXXX/XXXX   XXXX {$170.00} DEPTEDXXXX XXXX {$0.00} DPT ED/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-02-24
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. (AR)

My sister informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX  XXXX XXXX {$6500.00} XXXX XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX XXXX {$5500.00} XXXX  XXXX  XXXX   XXXX {$96.00}
Consumer complaint received 2020-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

i received a threatening letter in the mall from HRRG for a medical bill related to my XXXX  son. I have XXXX and PAY NO MEDICAL BILLS at all. These service dates are associated with the XXXX of my son, which was XX/XX/2019. 

I called the number included in the letter and was rudely handled then hung up on one of the female agents. I called back and requested a supervisor. The young lady who answered claimed she is the supervisor. Her name was XXXX. I recorded the call to send to the news, the FL attorney general, the US attorney general, as well as filed a complaint with the CFPB, FCC and FTC as well as a Florida XXXX Complaint. 

You all are attempting to collect a debt not owed and has been taken care of by state of florida XXXX  program.
Consumer complaint received 2020-02-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: McCarthy, Burgess & Wolff, Inc. (FL)

I have received 2 phone calls and emails from McCarthy, Burgess & Wolff , Inc., phone number ( XXXX ) XXXX, individuals name is XXXX XXXX. I've returned the calls twice, the first time I instructed Ms. XXXX not to communicate with me and I refused to provide her with any personal information. The second time was today, XX/XX/2020 at approximately XXXX when it became obvious that she was able to identify me via unknown means. I have also received 2 emails from her claiming that I/we owe XXXX XXXX {$300.00}, she either could not, or would not, identify what it was we allegedly owe XXXX XXXX for. She refused to listen to me and repeatedly screamed and yelled a me as I was attempting to explain that we owe no one nothing. I freely admit that I screamed right back at her. She ended the first phone call when I refused to give her my name and ( I assume ) personal information. I ended the second phone call by explaining to her that I would " see her in court ''. I then replied to one of their emails demanding that they " cease and desist '' from all communication with me and/or anyone associated with XXXX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are multiple " hard inquiries '' on my TransUnion Consumer Credit Report that are erronious and/or fraudulent. Specifically, this complaint is regarding the following " hard inquiries '' that I have previously and repeatedly requested be removed from my consumer credit report. They are as follows : XXXX XXXX ( XX/XX/XXXX ) : This was a hard inquiry from a company called XXXX XXXX  that I did not authorize. Both my wife and I received said inquiry. Unfortunately, our identities were both stolen in early XXXX and we suspect that this inquiry was attempted by the perpetrator. XXXX XXXX XXXXvided us a letter, dated XX/XX/XXXX, which indicated that the company agreed to have the inquiry removed from our consumer credit reports. Said letter was forwarded to TransUnion on XX/XX/XXXX. However, nearly XXXX months later, TransUnion has failed to remove the inquiry. 

XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ) : We do not recognize these inquiries and suspect that they were done fraudulently as well. I sent a letter to the company at the address provided to inquire about this. Both letters were sent back to me as " Undeliverable as addressed ''. Since the inquiry can not be verified and the company is unreachable, the inquiry ought to be removed in compliance with the Fair Credit Reporting Act ( FCRA ). My wife XXXX XXXX XXXX / XXXX ) and I both sent letters with a copy of the returned letters in early XXXX. TransUnion failed to remove the inquiry and did not respond to us.
Consumer complaint received 2020-02-24
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. (FL)

XXXX XXXX  XXXX VISA is no longer reporting to my current credit reports. This account was definitely not fraudulent and I paid account in full on time.