davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions (OH)

On XX/XX/XXXX, I contacted Rent Recovery Solutions, LLC of XXXX, XXXX regarding the claim of an unpaid debt, stemming from my previous landlord in the amount of {$240.00}. Rent Recovery Solutions filed a collection to the credit reporting companies stating that I owed money to them to pay off the outstanding balance. However, the balance was paid in full to the leasing office and the check was cashed on XX/XX/XXXX. Rent Recovery Solutions last reported this to the credit reporting bureaus on XX/XX/XXXX, despite the account being paid in full in XX/XX/XXXX. 

I had noticed this outstanding balance on my credit report during the first week of XX/XX/XXXX and first contacted the leasing company to inquire. They reported that the balance was {$0.00} and would be contacting the debt collection service. However, they failed to do so. 

In my conversation with Rent Recovery Solutions, they claimed that I still owned the amount and said they had been sending me notices via USPS mail for several months. I confirmed my address with the company and said that I had not received any of the notices. We have lived at the same address and since moving from the leasing organization 's apartment and have not received any correspondence. I explained my frustration with the process and how because the debt collection company reported this to the bureaus, my credit score, and my wife 's credit score dropped by more than 100 points. The agent on the phone explained that she would look into and contact the leasing office. 

I again contacted the leasing office a second time, and received the ledger showing my balance of {$0.00} and the check number from when I paid off the account. I confirmed this information with the leasing office. 

I yet again contacted Rent Recovery Solutions, who said that they still needed to look into it, despite me being able to mail and email them this information. I told them I would give them one week and would be checking on this to ensure it was fixed and corrected with the credit reporting companies. The company claims that an address of " XXXX '' and not " XXXX '' was the reason the USPS was unable to deliver any of the correspondence.
Consumer complaint received 2018-09-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (KY)

Wells Fargo Auto Loan # XXXX I am the Administrator of the Estate. Loan is two years old and current as of date of death. The customer died on XX/XX/18 the XX/XX/XXXX payment was paid on time. 

Contact was made with Wells Fargo on XX/XX/XXXX. I was told hey would not speak with me until they had a death certificate and a Court Order appointing me as Administrator of the estate. 

The case was filed in Probate Court and a hearing scheduled for XXXX. The appointment was made and certified COURT ORDER along with a CERIFIED Death certificate was emailed to Wells Fargo on XXXX. 
Another call was placed on XX/XX/18 I was told they did not received my initial email after a two hour run around between four departments and numerous rude people SCREAMING AT ME, none of these employees would provide any information as to how to pay the loan off and get the lien release to clear the title. 


A second email was sent on XX/XX/18 with above requested documents along with a request for instructions on how to payoff the loan and have Wells Fargo send a lien release. I was sent to a department called " The Customer Assistance Team '' a girl who identified herself as XXXX got rather rude with what I considered a routine request as yelled at me That I would not control the conversation. 


Realizing that conversation was going to go nowhere and being worn out now from about ten hours either on hold or being yelled at and transferred amongst departments I asked to speak to the president of the bank I was then hung up on. 


On the evening of XX/XX/18 I heard a strange noise in my garage. Upon investigating the noise thinking it was a thief I found myself pointing my XXXX XXXX XXXX at a Wells Fargo agent who said he was there to steal the car. He made a very sound decision and left my property.
Consumer complaint received 2024-01-25
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: EQUIFAX, INC. (MD)

I have previously disputed unauthorized inquiries on my consumer file from Equifax. Now Equifax has decided to place 4 inquiries on my consumer file from XXXX XXXX. The dates XXXX. This is not a duplicate complaint I'm not sure why Equifax would do this in a futher attempt to destroy my consumer report and reputation. Equifax is clearly acting out of malice at this point!
Consumer complaint received 2024-03-21
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)

Your response really infuriated me! How can you dismiss my request for assistance with my credit report as if it's insignificant? Your explanations are nonsensical, and it seems like you're disregarding my concerns altogether. 

Here is the list of the following account need to DELETE : XXXX XXXX and XXXX XXXX . 

I'm not playing games here I genuinely believe I'm a victim of identity theft. I provided you with all the evidence, and you're suggesting that I made a mistake or lied? Seriously? I need you to reconsider and ensure accuracy this time. 

If you require additional information, just ask plainly. Don't hide behind convoluted language and confusing explanations. I want this resolved promptly, and I mean now. If you still refuse to listen, at the very least, honor my request and add the statement of continued dispute to my credit report, as I requested.
Consumer complaint received 2023-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: InDebted Corporation (IL)

On XX/XX/2023 XXXX added a derogatory mark on my credit report ( XXXX and XXXX ) per XXXX  Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, Dferit\Indebted has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2018-09-02
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. (PA)

On XX/XX/2018 I got hit with a hard inquiry from XXXX. I did not notice it until I saw my XXXX XXXX. I called up XXXX explained to them this wasn't me was an act of fraud because I never authorized it. The customer service rep had agreed to remove the hard inquiry from my file.
Consumer complaint received 2024-02-19
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

There is a debt collection agency by the name of COLUMBIA DEBT RECOVERY LLC DBA GENESIS MANAGEMENT. This company sent correspondence in the past stating that they were licensed to collect in the state of TENNESSEE. This debt collection company is not licensed to collect in TENNESSEE. TENNESSEE require debt collection companies to have a legal license to collect debt. The company was registered in TENNESSEE but has no legal license to collect debt. The statement saying they were, is a lie and a violation per 15 USC 1692e ( 10 ), 15 USC 1692d ( 2 ), and since they are damaging my financial reputation, they are violating 15 USC 1692d ( 1 ).
Consumer complaint received 2023-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Someone hacked into the XXXX account of a friend of mine, XXXX XXXX, posing as her, she asked me to transfer {$740.00} to another person, because her XXXX was limited. The alleged person had the supposed name of XXXX XXXX and requested money to send to her email address : XXXX. I sent the {$740.00} to this email, the withdrawal was done from my XXXX account of XXXX XXXX  # XXXX on XX/XX/23. We reported the scam to XXXX XXXX, they told me, the money went to Bank of American account. XXXXXXXX XXXX requested the return of the money. At this time. Bank of America has not answered. The only institution who has all the real information the scammer is Bank of America. 
Reported to XXXX XXXX : XX/XX/23 Ph. XXXX to XXXX and XXXX XXXX XXXX.
Consumer complaint received 2022-12-13
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: EQUIFAX, INC. (NC)

XXXX XXXX XXXX has unlawfully used unlawful PHI which is a violation of HIPAA and they have broken the law both on federal and state level demand in investigation and also how they were able to falsify and purge themselves over 30 times to this web portal
Consumer complaint received 2023-06-28
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. (NC)

I appreciate your time to correct some of the erroneous items in my credit file ; however there are still many items that need to be corrected and updated. 

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
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

Experian is reporting an incorrect filing date. I filed a Chapter XXXX bankruptcy XX/XX/XXXX. The case was converted to a Chapter XXXX XX/XX/XXXX. XXXX. Experian is reporting the filing date of the Chapter XXXX as XX/XX/XXXX. This is in violation of 11U.S. C. 348 ( a ). The section 348 ( a ) concerns the effects from one chapter to another. 348 ( a ) states in part. Conversion of a case from one case under one chapter of this title constitutes an order for relief under the chapter to which the case is converted. This does not change the date of filing date of the case or petition the commencement of the case and the order of relief. 
XXXX v. XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ), in which held that a conversion from chapter XXXX to chapter XXXX, the debtors are deem to have filed the converted case at the same time the original case was filed. The filing date of a converted case relates back to the initail filing date. 
Under 348 ( a ) a converted case is deem to be filed at the time the case was initially before the converted case.

1. Experian reports that Chapter XXXX original filing date is XX/XX/XXXX and case number XXXX. 
2. I have enclosed the court order conversion of Chapter XXXX to Chapter XXXX. 
3. I have enclose the Discharge of Debtor order dated XX/XX/XXXX. 
4. Resolution : According to 11 U.S.C 348 ( a ) The original file date for the Chapter XXXX  must be the original date of the Chapter XXXX petition date XX/XX/XXXX. I am requesting that Experian correct the file and send a corrected copy.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Source of information : 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 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 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 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
Consumer complaint received 2023-12-08
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: SYNCHRONY FINANCIAL (IL)

XXXX XXXX services XXXX I did not make this inquiry. 

XXXX XXXX SERVICE  ON XXXX I did not make this inquiry Syncb XXXX XXXX  on XXXXXXXX  I did not make this inquiry Syncb Sam XXXX XXXX XXXX  on XXXXXXXX  I did not make this inquiry XXXX XXXX XXXX I did not make this inquiry I want these items removed and they stated I would have to follow these steps
Consumer complaint received 2023-05-24
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. (NJ)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-08
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. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Exeter Finance, LLC. (AL)

Exeter XXXX account is over XXXX XXXX XXXX and will not come off of XXXX XXXX report. XXXX  tried to dispute it and they refuse to remove it.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

I opened a checking account with Wells Fargo. ( XX/XX/XXXX ) I ended up changing my mind and closed it the same day due to their reputation that I didn't know of. My initial transfer to start the account was {$500.00}. They did not take the money until after I closed my account. ( XX/XX/XXXX ) I thought this was strange that they took my money after the account was closed so I called Wells Fargo and I told them about the transaction that took {$500.00} from me and at first they said dont worry a check will come in the mail. I call 2 to 3 weeks later with no check in the mail and they denied that it was them even though it says Wells Fargo took the money. Wells Fargo said that I needed to submit a dispute with my other bank XXXX which I did and XXXX did not side with me on the dispute. I even had a group phone call with a XXXX representative and a Wells Fargo representative and they both said that they agreed that the charge wasn't valid because that account was closed. Please help me {$500.00} is a lot of money for me in the holidays.
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I had requested an extension of my consumer credit and was deaid to my consumer credit, which I lawfully have a right to in an entitled too, and because of the denial of the application I requested that if they do not extend the credit, then I would like my contract to be retracted from their system. So that they can not securitize it and make a Get any interest or any sort of profit off of my application and private information that they had collected. Also I applied because they were sending me numerous pre-approved consumer credit cards and denied me for everyone that I had applied for which makes me believe that they were just trying to capture my applications with my private information. So that that way they can make a profit of a reselling My application to third parties.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed bankruptcy in XXXX XXXX  XXXX and put this car on it. During my bankruptcy Ive paid off the car within the bankruptcy. The final dispersement payment was on XX/XX/XXXX for {$110.00}. They said the only payments they have received were that 1 and 2 more leaving my balance at XXXX XXXX and some change. I have court documents of like 20-30 checks dispersed to the company. They told me they gotten only 2 checks. I have court documents that say they received all payments for the car and there is nothing left in my bankruptcy trustee account because they've gotten the money. All I want is for the information to be corrected on my credit report before I have to call my lawyers back up. The company is known for crooked tactics by the XXXX they have like a 2 star rating for good business. They told me the car is up for repossession and it's paid off which is the craziest thing Ive heard iny life.
Consumer complaint received 2023-12-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (CO)

On XX/XX/23 someone that had a copy of my drivers license went to a US Bank and opened a business checking account. That person whom posed as me did not have more than one form of identification, had a signature that did not match mine. US Bank was negligent and did not thoroughly check for identity. They linked this fraud checking account to my HELOC and my own checking account. On XX/XX/23, {$31000.00} was transferred out of my HELOC account and multiple transactions were made to take money out of the account over {$9000.00} has been withdrawn from my accounts. I have filed claims with US Bank. They told me it would take at least XXXX to XXXX weeks to have that money back in my account. I really need the money back in my account to pay for my bills and also being charged interest and late fees with multiple billers.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights. 
15 U.S.C 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.