davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (WA)

Rental recovery solutions states that I owe them about XXXX dollars. They also state that I have given money to them. All of the above is false. What happened was I left an apartment company before the lease was over. Took the company the XXXX apartment homes to small claims court and won. XXXX XXXX XXXX of XXXX XXXX district court ruled that I am not liable for any rental obligation. The XXXX apartment homes in XXXX Washington, managed by XXXX and the company rental recovery solutions both received a copy of the judges ruling. Both companies are in direct violation of court orders. The XXXX apartment homes have been notified for over a year. This ruling happened on XX/XX/XXXX. 

Rent Recovery Solutions LLC XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX managed by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX XXXX corporate office XXXX, Washington XXXX. XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, Georgia XXXX, and our telephone number is ( XXXX ) XXXX. 

I have disputed this with XXXX four times and they refuse to do anything about it
Consumer complaint received 2017-05-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (CA)

We received a bill in the mail from Transworld Systems INC that states a balance of {$72.00} has been placed with them by     XXXX   XXXX   XXXX   XXXX   XXXX     The bill is dated  XXXX / XXXX / 17  however we received a week later. We never never received an original notice of any bill directly from the  XXXX    XXXX   XXXX   and there is no itemization of what the original bill amount was, and if there is a surcharge that is being added to the amount. Within the letter it even states " If you have an income tax refund, perhaps you can use the proceeds to pay this amount. '' We have received no proof of any original bill and have no idea how any debt is being charged and for what reason. We have never had the  XXXX    XXXX   XXXX   come to our home for any reason and do not believe this debt is valid, and  may  be fraudulent.
Consumer complaint received 2022-02-02
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. (MI)

I have contacted all three bureaus in reference to the inaccurate info XX/XX/XXXX and I have been very patient with the bureaus. It has impacted my credit score as well as my interest rates on my loans and credit cards. I have also requested that it be removed or corrected and it has not been done as of XX/XX/XXXX. This has been a very overwhelming issue.
Consumer complaint received 2021-01-27
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)

I've been attempting to dispute fraudulent accounts with the bureaus since XX/XX/XXXX when they were first brought to my attention. I mailed out the first letters, which USPS tracking showed was delivered on XX/XX/XXXX, requesting the fraud accounts be investigated and removed if found to be fraud. I received no response so 35 days later, I sent another letter which was delivered on XX/XX/XXXX. Another 35 days and I still received no updates and the items were still showing on my report. This was troubling. So I sent additional letters, giving the bureaus time due to COVID. The letters were delivered on XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. To date, I have received no updates, the accounts are still showing on my report and my lawyers are getting antsy to get this case. This is my last option for the bureaus to remove the false accounts before I take up my lawyers option and sue.
Consumer complaint received 2022-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (OH)

Thirty days ago, I sent the credit companies a letter disputing the items listed below. As of today, the credit company has failed to respond to deleted outdated information, erroneous accounts, addresses that do not belong to me, and misspelling of my name, and inaccurate information listed, it must be deleted from my credit report. The following accounts are the items the credit bureau has refused to investigate, delete, and remove. AUTO NOW FINANCIAL SERVICES # 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 2019-03-14
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. (MO)

I'm disputing the following accounts for the 3rd and final time. It is up to the credit reporting agencies to verify information inwhich they are reporting. Verifiable by physical and certified documentation. If my attempt shall fail this time by the credit agencies not accurately doing their job / due diligences then imma file a complaint with the FTC. I'm requesting that Equifax, XXXX and XXXX to investigate this matter and to comply with providing me with all Method Of Verification that was done in this instant matter. I need to know whom spoke with whom, I need to know the date, time and method of communication used while investigating these accounts. What certified documentation did you see and whom all seen it. If I'm not priviledge to this information by request then by the laws written within the FCRA states that these accounts shall be removed/ blocked/ deleted immediately. 

Account # 1, XXXX XXXX XXXX XXXX Account # 2, XXXX XXXX Account # 3 XXXX XXXX XXXX XXXX {$950.00} Account # 4 XXXX XXXX XXXX XXXX Account # 5 XXXX XXXX XXXX {$180.00}
Consumer complaint received 2022-04-26
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: BARCLAYS BANK DELAWARE (CA)

At the start of the pandemic in 2020, I was laid off and unable to make credit card payments, car notes, rent, etc. I also contracted covid and tested positive. I reached out to the company a few months ago, alerting them of my situation about how Ive had my account for many years and never missed a payment up to this date except for the missed payments at the pandemic 's beginning. Once I recovered, I paid all my debts and stayed on top of my bills. Its coming up on two years of on-time payments. I contacted the company asking if they could remove the late payments from my credit report because they happened a few months before the company offered the option to defer payments They said no. That is the only reason I was able not to miss any more payments was because of that option until I recovered and found work and paid my debt in full.
Consumer complaint received 2022-01-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (NC)

This vehicle has not been in my possession since 2019. It is my ex husbands account. I have attempted to fix things with the company but they refuse. It is not mine, and the property was stolen in 2019. I am XXXX XXXX XXXX and it occurred when I was in XXXX XXXX
Consumer complaint received 2021-10-12
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: EQUIFAX, INC. (NY)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I am a victim of Identity Theft and these fraudulent accounts have caused me tremendous stressed as well as job opportunities. I have sent Equifax multiple dispute letters as well as faxes regarding these fraudulent accounts. I am requesting for the following accounts to be blocked and removed immediately due to fraud and identity. I have never opened any of the following accounts listed below : 1. XXXX XXXX XXXX XXXX BALANCE : {$2400.00} 2. XXXX XXXX XXXX BALANCE : {$3100.00} 3. XXXX XXXX / XXXX XXXX XXXX BALANCE : {$3800.00} 4. XXXX XXXX / XXXX XXXX XXXX BALANCE : {$0.00} 5. XXXX XXXX / XXXX XXXX XXXX BALANCE : {$3300.00} 6. XXXX XXXX XXXX XXXX BALANCE : {$8600.00} 7. XXXX XXXX XXXX XXXX BALANCE : {$5200.00} 8. XXXX XXXX XXXX XXXX BALANCE : {$1100.00} 9. XXXX XXXX XXXX XXXX | XXXX BALANCE : {$6700.00}
Consumer complaint received 2019-03-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (DE)

On Thursday, XX/XX/2019, I ( " Petitioner '' ) : ( i ) received an in-bound phone call from XXXX at approximately XXXX XXXX from Mercantile Adjustment Bureau ( " Agency '' ). Upon replying in the affirmative I was the party sought by the Agency 's agent, the call went silent. 

( ii ) after a period of a few second, Petitioner asked if Agency 's agent was on mute to which no response was provided. 

( iii ) which a period of no more than XXXX, Petitioner disconnected as no response was provided by Agency 's agent.

( iv ) Petitioner placed outbound call to Agency and was greeted by what apparently sounded like the previous Agency 's agent. Petitioner explained after verifying sought person 's name, the Agency 's agent sat silent. Petitioner was placed on hold. The supposed previous Agency 's agent answered. Petitioner believed this was in face the same person that answered the inbound call placed by Petitioner and asked the nature of the call. Petitioner identified himself by name noting the date of birth. Upon being asked if the Agency was a third party debt collector, Agency 's agent did not provide a response and proceeded to obtain Petitioner 's social security ( last four digits ). Petitioner challenged noting the verification was established by way of Agency 's agent lack of response on the outbound call, Petitioner 's inbound return and verification of name and date of birth. Petitioner then asked again if the Agency was a third party debt collector and if such the Agency should send the required thirty day notice via mail for review further noting Petitioner was currently at work and could not devote further time to the matter. Agency 's agent failed to address the thirty day notice letter required by law and proceeded to seek Petitioner 's verification of an account with two named corporate entities ( XXXX XXXX  and XXXX XXXX ). When Petitioner noted a lack of knowledge reasserting Agency should send the regulatory required 30 day notice, Agency 's agent noted he would contact another individual. Petitioner ended the call.

( v ) Agency is in violation of FDCPA for failure to provide written notification advising Petitioner of legal right to dispute, among others.

( vi ) Agency is in violation of FDCPA for harassment as it placed an outbound call to Petitioner and placed the call on silent following Petitioner 's initial verification of identity.

( vii ) Agency is in violation of FDCPA for harassment and threat of further action noting it was place an outbound call to another individual.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX Balance : {$500.00}
Consumer complaint received 2021-06-23
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. (TX)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see accounts that does not belong to me.
Consumer complaint received 2019-03-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (CA)

on XX/XX/19 I went to a XXXX  dental office for a free consult. and by the end of the appt the dental office had some how in a very slick and quick manner conviced me that I needed all kinds of work done and when I said ok they opened a line of credit via wells fargo in the amount of {$8500.00}. and charged my " NEW ACCT '' a total of {$8500.00} for services I had not even received yet. not realizing the office had already charged the acct I made a 2 appt on XX/XX/2019 to start the work. after returning home from second appt I received my wells fargo credit card statement which included a new charge in the amount {$8500.00} with an interest rate of 12.99 % which is very high as my credit score is close to 900. I called wells fargo right away to question the how they can charge the high interest rate on A+++ credit and knowing that I have another credit card with them in great standing with a lower rate. I was told that they had no control of the rate and that the dental office has the control to lower it. How is that possible? The dental office had the card number before I even had a chance to get the card in the mail and read over the terms and see the rates. If the office would have let the paperwork and card to be sent to me before they charged it I would not have said no to doing the work. I never signed a credit app or was not aware or told the fees and rate just charged. when I asked the dental office why the whole amount of {$8500.00} was charged before any work was really done I was told that in order to have the teeth impreions made into mouth plates that they needed to be paid in full for them. so I was under the asumsion that the cost for making the mouth plates would be charged only. not the whole amount quoted for " Phase! '' work which by they way is the same amount of money no matter the patient or work to be done. I also never received an itemized invoice with item and amount for each in plain English so I can understand where the {$8500.00} was spent. I called the dental office and found out that they can or could change my interest rate would even give me 2 years with 0 % if paid in full at the end of 2 years. if not paid in full I would owe all the back interest rate and my rate would go back to the 12.99 %. how is it that the dental office can change or assign the rates and not the lending company? how is it that they can assign credit without looking at the credit score. they run a credit check to check credit but fail to get rates based apon the credit score. i have already closed the account in question and i am disputing the account and charges of {$8500.00}. And i stopped making contact with the dental office as well. and still don't have anything for the money that was charged. I feel that Wells fargo and XXXX XXXX XXXX XXXX, XXXX are practicing unfair and predatory credit card lending and unfair business practices.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

There is an account on my credit report ( Equifax only ) with the status of open when it should be showing a status of closed because it was included in a bankruptcy in XX/XX/2016. Its shows a balance of {$0.00} and past due amount {$0.00}, but yet is still open on my account. There is also an account open only on Equifax again of a balance of {$570.00} that I have never received a bill for, but is showing it was opened in XXXX  this year. I have disputed these two account with Equifax and sent them proof of bankruptcy and they still have not changed the status of the accounts even though I have received confirmation emails stating the dispute was completed. It is almost impossible to receive information regarding this situation because it is impossible to even receive access on their website because their system can never accurately match my information to confirm my identity and their phone number wait is always backed up hours at a time because no one can access their online features. Equifax should not be a trusted agency for being responsible for people credit information.
Consumer complaint received 2019-03-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIBANK, N.A. (DC)

On XX/XX/19, i did a balance transfer from my XXXX XXXX to Citibank. On XX/XX/19, XXXX XXXX said the check that was sent to CITIBANK has been chased, however Citibank kept on denying receiving a check. On XX/XX/XXXX, i called Citibank to find out why my payment hadnt been applied to pay off my loan and they claimed they never received a check and asked me to send the front and back of the check that was supposedly cashed. On XX/XX/XXXX i received the check from XXXX XXXX and faxed it over to Citibank. 
Today is XX/XX/XXXX and I still havent heard anything from Citibank. 
I made this payment to close and payoff my loan so i dont have to make any payment on XX/XX/XXXX. This is ridiculous and i am extremely upset. 
They will try to collect a payment from my account or charge me a late fee or report a late payment to the credit bureau, thereby damaging my credit