davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (TX)

I have been trying to get this resolved for quite some time and it has now affected my credit. I got this account back on XX/XX/2020 and I got a phone for my daughter because she lived alone. The original phone was stolen at her job. When we went to get a replacement, the store we went to said they didn't have original phone on the account in stock. Needless to say, she decided to upgrade her phone and the store we went to screwed my account up. The guy decided to give her a upgrade by creating a new line and putting it as a camera on my account to get a new phone. The bill started getting out of control and to a point where the payments were very high as a phone bill. My daughter called and was told she could return the phone and it would be closed. When we called XXXX, they informed us that the location we went to was not an original XXXX location under them. We tried to return the phone because that was what she was really having to pay for but we have not gotten anywhere with it. I now have an outstanding balance of {$1800.00} on my credit report. I called XXXX recently and they said it is in collections and the company, Convergent Outsourcing, quoted me a balance of {$2100.00} and offered to settle for {$1400.00} and then said the lowest was {$1300.00}. I have received nothing but the run arounds and I want it off my credit so I can move to a new house. This one thing is holding me up. This is ridiculous for a phone that's not being used. The phone is still in great condition. XXXX said it couldn't be handled by them because the debt was in collections. I was given false information. I need help getting this resolved ASAP!
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

According to FCRA 605B, any incorrect accounts must be removed from my credit report. This account is being reported incorrectly, so please delete it from my credit file. I am entitled to {$1000.00} for each incorrect report on my credit file.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX have found fraudulent inquiries in my credit report
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

THIS WILL BE MY 3RD ATTEMPT TO CORRECT THIS ISSUE. THIS COMPANY IS REPORTING INACCURATE INFORMATION TO MY CONSUMER PROFILE. I HAVE NEVER HAD AN ACCOUNT WITH THIS CREDITOR. 

I REQUESTED VERIFICATION AND THIS ACCOUNT IS UNVERIFIABLE. 
ALSO AFTER FURTHER INVESTIGATION ONLINE INFORMATONS SERVICED DOES NOT HAVE THE PROPER CREDENTIALS TO ATTEMPT TO COLLECT ON ANY DEBTS IN THE STATE OF NC. 
I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE REPORTED ON MY CONSUMER PROFILE. THIS IS NOW IN VIOLATION OF 15 USC 1681B. 
FURTHERMORE FURNISHING AN ACCOUNT DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 THIS BEEN REPORTED TO MY CONSUMER PROFILE IS AFFECTING MY ABILITY TO OBTAIN HOUSING
Consumer complaint received 2021-07-06
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)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2020-06-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My name is XXXX XXXX, I had sent money through by Bank of America XXXX using their quick pay option XXXX XXXX XXXX. The money as supposed to be sent to what I thought was my sister in law, but the phone number that was off and was sent to another person with an entirely different name. In 2 transactions totaling {$3000.00}, when we realized that it was sent to the wrong person, we tried to contact that person through the phone number, but they did not pick up the phone or return or text or returned the money. 

We disputed with Bank of America as soon as we found out the issue, and they started their investigation. Today, we called them back and they said our case was closed because the other party had already spent all the money and no money can be sent back to us. 

We trusted that our Bank which offers XXXX as a safe and quick way to send money would not back up this service with any kind of protection for their banking customers, and when issues like this arises there is nothing else they can do to help. The bank says that they only host XXXX for their customers, but hold no liability, and XXXX says that if you use this through your bank, XXXX does not hold any liability. So now, the consumer is neither protected by any of these entities. 

XXXX, which only goes off the person 's phone number or email and has no name verification or secondary verification can cost us {$3000.00} during this time where money is very tight.
Consumer complaint received 2020-06-12
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with identity XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX XXXX {$2600.00} COLLECTIONS XXXX {$82.00} XXXX XXXX {$220.00} XXXX  XXXX XXXX {$890.00} XXXX   XXXX XXXX {$610.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$300.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}
Consumer complaint received 2022-05-20
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)

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX  neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX and myself! Please send the proper validation
Consumer complaint received 2020-06-12
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 identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2020-06-12
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)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2020-06-12
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. (LA)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 
XXXX {$270.00} XXXX {$930.00} XXXX {$760.00} XXXX {$420.00} XXXX {$700.00} XXXX {$630.00} XXXX $
Consumer complaint received 2020-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America charged my business 6 overdraft fees totaling {$210.00} and also reversed my claims unjustifiably without properly investigating the matter nor providing validation by law of my company being responsible when the company debit card and pin were stolen.
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

XXXXXXXX XXXX  withdrew {$600.00} from our account with counterfeit checks that were altered from an original check that we gave to a family friend 's son for his birthday. Check number XXXX was written to a XXXX XXXX for {$50.00} for his birthday on XX/XX/2022. When my wife checked our statement dated XXXX she discovered that check XXXX which had already cleared in XXXX of 2022 for {$120.00} to XXXX XXXX XXXX XXXX cleared again for {$50.00} on XX/XX/2022 to XXXX XXXX XXXX XXXX The check number had been altered and the date on the check had been typed in rather than handwritten like the original check. 

As she continued to balance the checkbook, she discovered check number XXXX also dated XX/XX/2022 had cleared for {$500.00} and check number XXXX dated XX/XX/2022 had cleared for {$50.00}. We are still using checks in the XXXX to XXXX range and have not even ordered checks in the XXXX range. Once she reported the fraud to me, I immediately filed a police report and filed a fraud complaint with Fifth Third Bank. Fifth Third Bank has denied the fraud and refuses to refund our money due to these counterfeit checks and their lack of security measures to protect customers. Fifth Third Bank is a disgrace for treating law abiding customers in this manner.
Consumer complaint received 2022-03-02
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)

I am filing this complaint to request the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXX XXXX XXXX  XXXX Balance $ XXXX I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account ; XXXXXXXX XXXX XXXX  XXXX XXXX Balance $ XXXX This is a formal request for an investigation of this account 's comments, account type, and account name. There is a possibility that this information may be inaccurate. This must be removed immediately ; XXXX XXXX XXXX XXXX XXXX Balance $ XXXX I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately ; XXXX XXXXXXXX XXXX  XXXX XXXX Balance $ XXXX You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-03-02
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. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EQUIFAX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please fix and update the following accounts from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-12
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. (LA)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 
XXXX {$270.00} XXXX {$930.00} XXXX {$760.00} XXXX {$420.00} XXXX {$700.00} XXXX {$630.00} XXXX $
Consumer complaint received 2022-03-02
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)

I have sent another certified letter to Equifax regarding XXXX XXXX XXXX. 
There's still no update from Equifax & also XXXX XXXX XXXX. This report is in Ref to report # XXXX
Consumer complaint received 2020-06-12
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 decided to get my credit pulled due to a couple of collection letters I continued to received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DPT ED/XXXX XXXX {$4400.00} XXXX  XXXX XXXX {$370.00} XXXX XXXX XXXX {$880.00} XXXX  XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX  XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2020-06-12
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 decided to get my credit pulled due to a couple of collection letters I continued to received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DPT ED/XXXX XXXX {$4400.00} XXXX  XXXX XXXX {$370.00} XXXX XXXX XXXX {$880.00} XXXX XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX  XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2020-06-12
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)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report.
Consumer complaint received 2020-06-12
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 
XXXX {$14000.00} XXXX {$1600.00} XXXX   XXXX {$87.00} XXXX  XXXX {$26.00} XXXX  XXXX {$1700.00} XXXX {$1600.00} XXXX {$880.00} XXXX XXXX {$50.00} XXXX {$59.00} XXXX {$230.00} XXXX  XXXX {$1700.00}
Consumer complaint received 2020-06-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

XXXX XXXX, XXXX I was injured on the job and had XXXX on XX/XX/XXXX. I was out of work and my employer stop paying me for reporting the job related injury. I contacted PHH to mitigate and requested a loan modification in XXXX. I contacted HUD because PHH failed to mail application. I sent loan modification packet back with all information requested in the packet. 3 weeks later I recieved notice that the underwriter want my tax doc before modification would be process per PHH letter sent on XX/XX/XXXX. Tax docs sent and recieved before deadline of XX/XX/XXXX. Then I was informed by letter that the process was not complete but per there letter it should have been. Now PHH has refused to process or even assist during me during this process. I call can't get through case manager unavailable when u call to correspond. Scheduled call backs are not kept as promise. I requested for all communication to be sent by mail or email as that is my primary contact. 

Please be advised that I worked with a Housing Counselor in XXXX Of XXXX and PHH never responded to that request to modify the loan. This is now my third attempt to modify to keep my home as PHH is doing everything to make me homeless. I want to and expect to keep my home but PHH has become to unethical to work with over the past 6 months. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX {$1500.00} XXXX XXXX {$1200.00} XXXX XXXX {$3300.00} XXXX XXXX {$710.00} XXXX   XXXX {$410.00} XXXX XXXX {$1500.00} XXXX {$500.00} CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX
Consumer complaint received 2020-06-12
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)

I am trying to buy a house later this year so today XX/XX/20 I had my credit ran to see if I could get pre approved for a home loan however, when my credit report came back, I was told I did not get approved because there are several accounts in negative standing on my credit. I looked through my report and I saw the accounts in negative standing but none of them were opened by me. Those accounts do not belong to me and I did not allow anyone to open them using my personal information such as my ID, social security number, name, etc. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make payments towards these accounts. I don't know who is responsible for these accounts but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2022-03-02
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. (TN)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I have notification back from the XXXX XXXX Bankruptcy Court of Ohio, that states they do not provide personal information to third parties. Under the Privacy Act of 1974 and the opt out law, I request that the bankruptcy listed on my credit report please be removed. I am opting out of any authorization that they believe that they have, make note that no further authorization is permitted by me. I would like this bankruptcy to be removed from my credit report according to the law within four days.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 XXXXXX/XX/XXXX