davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-03
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. (GA)

I've been pretty consistent with paying my bills on time. I'm saying this becuase I went to XXXX XXXX the other day and applied for an account I got approved with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a could of items that are not mine. I have reached out to the FTC and to my local police department. These items need to be deleted from my credit report. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX AND XXXX. There are also some inquries on there that are not mine either XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. I am doing all of this on my own behalf.
Consumer complaint received 2019-06-24
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: BARCLAYS BANK DELAWARE (NY)

I have reported 5 times that the accounts from Barclays Bank Delaware, XXXX XXXX/XXXX   AND XXXX XXXX XXXX and XXXX XXXX was not opened by me. I have tried to dispute these matters multiple time. I am XXXX years old and I am trying to build my credit. The only thing on my credit that should have been authorized by me is my student loans and my XXXX   XXXX XXXX checking account. Everything else is False and my parents tried to open in my name.
Consumer complaint received 2022-12-15
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. (CA)

Transunion received a letter from me in the mail around XX/XX/2022. The letter was an FCRA 605B letter stating that they needed to delete all fraudulent accounts within 4 days of receipt of this letter. Inside the letter, I included a summary of what needed to be removed, the FCRA 605B clause, a copy of my XXXX XXXX police report from XX/XX/2022 citing identity theft and naming each individual alleged account with each alleged account balance, a copy of my ID and social security card, as well a copy of my Transunion credit report showing all fraudulent accounts that need to be removed or blocked by Transunion. XXXX of the accounts was not blocked or removed from my credit report. That is XXXX XXXX ( XXXX ) account # : XXXX with a balance listed of {$1800.00}. All other accounts have been removed except this one, and XXXX XXXX already received a copy of my police report back in XX/XX/2022 as well as several phone calls about this fraudulent account opened in my name and XXXX. 

Additionally, Transunion mailed me a strange letter, accusing me of working with a credit repair company, and I have not worked, nor even consulted with any credit repair company. I know my rights, I know the law, and I know that FCRA. Like I said, I am a document in victim of identity theft. 

This fraudulent item needs to either be blocked or deleted from my credit report immediately or legal action will immediately follow. This is a violation of the FCRA ( XXXX ). Attached is a copy of my police report.
Consumer complaint received 2017-06-02
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. (MO)

XXXX   XXXX   IS REPORTING  2 COLLECTIONS ON MY CREDIT REPORT ONE  IS FOR  XXXX  OPENED  XX/XX/XXXX . AND ONE FOR  XXXX  OPENED   XX/XX/XXXX .  I HAVE NOTIFIED   XXXX   XXXX   AND LET THEM KNOW I WAS A VICTIM OF IDENTITY THEFT IN THE PAST. I SENT A LETTER TO THE CREDIT BUREAUS AND FORWARDED A COPY OF THE POLICE REPORT AND IDENTITY THEFT AFFADAVIT TO THE COLLECTION AGENCY AND TO THE CREDIT BUREAUS. I ALSO HAVE A ACCOUNT WITH  XXXX   XXXX  FOR  XXXX  OPENED   XX/XX/XXXX .   I HAVE NO KNOWLEDGE OF THESE WIRELESS ACCOUNTS. IF MY IDENTITY HAS BEEN COMPROMISE IT IS THE RESPONSIBILITY OF THE CREDIT BUREAUS TO REMOVE ANY NEGATIVE INFORMATION FROM MY CREDIT REPORT AS A DIRECT RESULT OF THE IDENTITY THEFT. THE COLLECTION AGENCIES HAVE FAILED TO RESPOND TO ME DIRECTLY AND THE CREDIT BUREAUS SAY THE COLLECTIONS ARE BEING VALIDATED.
Consumer complaint received 2019-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (PA)

I just received a credit report for identity theft and there is 2 commonwealth financial systems on my report for a total of {$1100.00}. Dor the past two months. Now I have not been to the hospital in years. Its either someone using my identity or this is fraud.
Consumer complaint received 2019-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (CA)

I disputed a charge in on or about XX/XX/XXXX for a charge from XXXX XXXX XXXX. I cancelled the service and was charged and mailed out a package. I refused the package and it was returned to XXXX XXXX XXXX. I was refunded by Ally Bank shortly there after. On XX/XX/XXXX my account was deducted the same amount {$170.00}. Ally Bank is claiming it was a valid charge because XXXX XXXX XXXX claimed they didn't receive the package back. I spoke to XXXX & XXXX and they stated that sent a refund around XX/XX/XXXX and then Ally said they pulled it back because they didn't receive the package. After four hours of going back and forth I found out that the XXXX tracking number confirmed they did. Every time I call Ally I have to speak to someone else and tell the same story over and over. They advised they mailed a letter on XX/XX/XXXX to date I haven't received it. They advised they escalated it on XX/XX/XXXX and someone would call in 2 days. No one has called. Ally blames XXXX XXXX XXXX and vice versa. I am stuck in the middle and Ally refuses to help me other than tell me send me back & forth between Ally XXXX XXXX XXXX XXXX. I have been disconnected while sitting on hold, no one calls back. I have given Ally tracking numbers, at their request to be later told they can't look it up. Meanwhile I am still out {$170.00} and get the run around EVERY.  SINGLE TIME.
Consumer complaint received 2019-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (VA)

My Wells Fargo credit account XXXX ( account ending in XXXX ) is used in auto pay service with simple mobile for paying my monthly phone bill. I never canceled my account ending XXXX, or request closure of it, or given any type of instruction or request that would result to closure of my account ending in XXXX. But, today XX/XX/XXXX when simple mobile processed the auto pay as usual and using my account ending in XXXX, the transaction declined by Wells Fargo Bank and XXXX a simple mobile representative provided transaction number XXXX as a result of Wells Fargo Bank decline of the payment. I contacted Wells Fargo bank before and they did not provide me with anything to justify what was done against my account ending in XXXX and I believe that Wells Fargo Bank retaliated against me by restricting my legitimate right to use that account and causing my payment of my phone bill to decline which is going to result Of cancellation of my phone services. Wells Fargo bank decline of my transaction is violation of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5567, and the Sarbanes-Oxley Act of 2002, 18 U.S.C. 1514A ( collectively the Acts ), and their respective implementing regulations at 29 C.F.R.  Parts 1980 and 1985. Wells Fargo also by causing damages from their retaliatory adverse action is also in violation of this bank own consent orders of XX/XX/XXXX and of XX/XX/XXXX with respective the CFPB and the OCC. Wells Fargo Bank assume full legal consequences for its actions against me that are retaliatory and against the laws. 
All stated herein is my current states belief, knowledge and understanding and and it is all subject to any correction or change of any kind and at any time and by my person or my legal counsel and without waiving my rights. 

Thank you.
Consumer complaint received 2019-08-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I put a dispute to Experian on XX/XX/XXXX to dispute incorrect account information on my credit report. I put a dispute to Equifax on XX/XX/XXXX to dispute incorrect account information on my credit report. These two credit bureaus state that I have two Bank of America credit cards, which I do not have. These two credit bureaus also provide me with credit report with incorrect full name, birthday and address. 30 days later, I received result from the bureaus saying that Bank of America verified they reported correct information to them. These two bureaus asked me to contact Bank of America and get a proof saying that I don't have any credit card with them. I went to Bank of America. Bank of America said that I don't have any credit card with them. Bank of America asked me to connect with Equifax and Experian to solve this problem. I spent over 20 hours calling and solving this issue. But it can never be solved. It has almost been 1 year.
Consumer complaint received 2020-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harvard Collections, LLC (IL)

In 2013 I paid off or settled all accounts on my credit report this one included. This debt was originated with the state of Illinois over 20 years ago. This collection agency has attempted constantly to reopen this collection by saying the State of Illinois asked them to. This is untrue and I have spoken to the State of Illinois and was told this agency is acting on their own and possibly manipulating the law. I owe them nothing, and will never pay on an account I settled, with one of their agents over 7 years ago. As a senior citizen and a veteran, it is very disheartening seeing this type of company preying on the old. Again all credit reporting agencies will be able to confirm this debt was settled and taken off my credit report in 2013. It should also be noted this company tries to portray they are connected or approved by the XXXX XXXX XXXX there is no proof of this.
Consumer complaint received 2019-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Kohl 's department store turned over a debt they claimed I owe as a charge off to credit bureaus. I have never received a bill and haven't used their card in years. 
I have called the company 4 times, wrote them and turned it over to the XXXX. 
I have not had a reply. I do not believe I owe them anything but without a bill can't even dispute. 
This has caused me to not be able to get solar panels which is how I became aware of the problem and have for months been trying to resolve this. 
I put a complaint on their website and saw they have done this over and over to others. 
I am a senior and have always paid my bills. To ruin my credit and not care is ashame. I will never shop there again and just want this cleared up.
Consumer complaint received 2022-07-07
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Byrider Franchising, LLC (TX)

Dealing with payment collector from CNAC dab JD Byrider in XXXX XXXX TexasOn XX/XX/XXXX I was bombarded by a voicemail, a text, an email and calls to XXXX personal contacts without the opportunity to respond to any XXXX of these modes of communication. I called back in the morning responding to all three media and was called from a number which I later discovered was the collector on a cell phone. She claims it is a company cell phone but she had previously reached out by text and when I asked who it was there was no response. I have deduced that it is the collector sending harassing texts for a payment that was past due. On XX/XX/XXXX the I asked the collector about a text from phone number XXXX ( XXXX ) XXXX to which she denied. When I spoke with her today XX/XX/XXXX she changed her story and stated that she did not have to identify herself, meaning she lied when prompted about her identity on a cell phone. She also mentioned that this is how they conducted business. I informed her that I will be filing a consumer complaint.
Consumer complaint received 2021-04-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Hi, My name is XXXX XXXX, and I would like help in my Experian report getting fixed. There is a XXXX  XXXX XXXX account on my credit file, in which the credit reporting company has no shown any document with my signature on it. By Federal Law, this account has to be removed. I have no contractual obligations with XXXX  XXXX XXXX. Experian has still yet to acknowledge that my report is incorrect and that this account ending in XXXX has not been validated and verify by any physical contract. It must be removed from my credit file.
Consumer complaint received 2022-07-07
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: DISCOVER BANK (IA)

Item was bought XXXX/XXXX. Received the product XX/XX/XXXX. XX/XX/XXXX I filed a dispute for an item I received and was not up to par with what they claim with discover. Waited 30 days and reached back out on XX/XX/XXXX and was told theyre still investigating and letting the merchant have XXXX  days to respond and I need to let the case play out. Was told I can call back in a week. I called back XX/XX/XXXX and was told that the case expired XX/XX/XXXX and the merchant still had not responded and the dispute was ruled in my favor. Fast forward to XX/XX/XXXX I got an email saying the dispute was charged back and deemed valid and that I needed documentation that the merchant agreed to refund me my money to my discover card with the last XXXX digits of my discover card. Discover does not want to accept an appeal and say they need that documentation to move forward.
Consumer complaint received 2022-07-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CO)

During the course of my divorce, the proceeds from the sale of the house and other property went into a Wells Fargo escrow account in XXXX XXXX, Colorado, belonging to my husband 's attorney, XXXX XXXX. The divorce was final on XX/XX/2022 and on XX/XX/XXXX, XXXX XXXX believed he received an email and phone call from me asking that the funds be sent to me in XXXX XXXX. I was not in XXXX XXXX ; I have XXXX jobs in XXXX that are particularly busy in XXXX. However, XXXX XXXX went to Wells Fargo at XXXX XXXX, XXXX, CO and asked a banker, XXXX XXXX XXXX XXXX to wire the funds to me in XXXX XXXX. Which she did. I believe this is misconduct on XXXX fronts : First, XXXX XXXX  reportedly did not ask the protocol questions, XXXX ) Are you convinced this is a safe transfer ; XXXX ) Have you wired money to this person before? XXXX ) Are you aware the transfer has to be checked with the XXXX XXXX XXXX XXXX XXXX ( XXXX ) as well as the Wells Fargo wire department? The correct answers would be XXXX ) No, XXXX ) No, and XXXX ) Fine. Second, what did the wire department do? If Wells Fargo had done due diligence, there is no way the money would have been transferred. I have had no assistance from XXXX XXXX or the bank to recover this money which was my life savings. After XXXX weeks, it is still gone.
Consumer complaint received 2019-08-02
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. (GA)

I've been pretty consistent with paying my bills on time. I'm saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see two XXXX accounts that are not mine. These items need to be deleted from my credit report.
Consumer complaint received 2022-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 15 US 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-08-02
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)

I've been pretty consistent with paying my bills on time. I'm saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see two XXXX accounts that are not mine. These items need to be deleted from my credit report.
Consumer complaint received 2019-08-03
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. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items are not mine and need to be deleted from my credit report. I have reached out to the FTC and to my local police department. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and there is an account that don't have a name but the acct number is XXXX. I am doing this on my own.
Consumer complaint received 2019-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items are not mine and need to be deleted from my credit report. I have reached out to the FTC and to my local police department. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and there is an account that don't have a name but the acct number is XXXX. I am doing this on my own.
Consumer complaint received 2022-07-07
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX i had sent in a FTC report and police report to Experian and i have also called them many of times letting them know that these accounts are fraud they asked me to send in police report and a FTC report and they haven't removed it off my credit i been going back and forward with them for mouths
Consumer complaint received 2019-08-02
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: Concord Servicing Corporation (CA)

I tried to work this out with XXXX XXXX XXXX XXXX and they are unwilling to even respond. I am the victim of identity theft. Per the FCRA they are required to validate the debt they have said I owed and have not done so. I disputed through the credit bureaus already and they credit bureaus have come back saying XXXX has verified the debt. Verified and validate are two different things. Verify could mean they answered the correspondence the bureaus sent them and said the debt belongs to XXXX XXXX. Validate means to bring facts to the table XXXX my signature on a contract thats actually my signature would suffice ). XXXX then sold my debt to Blackwell recovery and after telling XXXX they are chasing a fraudulent debt they have decided to take their name off of it which was a smart move. XXXX has not provided me any validation nor did they send me any proof of an investigation. By law they are required and for that they are officially on notice.
Consumer complaint received 2019-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have mailed several certified letter disputes requesting Trans union and XXXX XXXX to verify USBK court # XXXX. Each time there response VERIFiED as accurate. I asked for documents and signatures of the original creditors on file that this information is mine and correct. They never provided the information and i advised them to delete the inaccurate information.
Consumer complaint received 2019-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I reached out to the FTC and to my local police department. These items need to be deleted from credit report 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, and XXXX XXXX. I am doing all of this on my own.