davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Federal Adjustment Bureau, Inc. (GA)

I was XXXX  years of age when XXXXXXXX XXXX XXXX  filed for eviction under non payment of rent. I did in fact pay the rent they sent the payment back. They said they couldnt take payment until I paid for XXXX  damage. I did not have insurance and asked to be put on a payment plan ( added money on monthly rent ). They denied my request. They tried to charge me over XXXX for XXXX  damage that I got an estimated cost of XXXX to fix by a contractor. They said they werent going to go to anyone I chose. They had XXXX different people come out to view the damage and this man and his wife who didnt have a professional company came to fix it. It still wasnt fixed yet they still tried to charge me. They said I was being charged for the consultation fees from all XXXX  businesses and XXXX for a tree. I didnt agree with the charged so we went to court. Soon arriving to court alone ( I had a roommate that was on the lease ). They pulled me to the side with their lawyer before we even got in the court room and said if I left the property within 14 days they would drop the eviction and I wouldnt be charged for damages. I agreed but unfortunately I didnt sign papers. I left within a week. They then waited XXXX  months to file a charge on my credit saying I owed them money. I didnt see it until years later when I applied for a new place. It was filed under eviction on my credit report. Again the charges never went through. At the time I noticed the charge and negative effects of my credit report it was now with another company I had no awareness of. I disputed this on my credit and I was denied because it said the company said it was an accurate charge. Yet I had never agreed to this charge or been aware of it. I contacted the company saying I never agreed to any charges and I definitely didnt agree to charges with them. They said they had bought the debt and the charges were valid. I told them they werent valid due to the eviction being dropped. They sent all the court documents that stated the eviction was dropped and I was not responsible for any payments. It didnt even have my full name correct but still it showed I owed nothing. They sent an invoice of all the charges saying I had left XXXX  in damage but none of them being the XXXX  damage. I have pictures of before I rented the space but sadly not when I left. Still in yet these charges are still invalid. I would like them to be removed because Im now XXXX  years of age and I cant even get an apartment in the worst parts of town because of this on my credit report. I keep trying to dispute it and nothing. I have the court documents and I have all the charges they gave before I left and the record of me paying rent and them sending it back.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Adjustment Service, Inc. (SC)

This is my 3rd request to validate the charges that Mechant Adj Services has placed on my credit report. The explanation that was provided in my original complaint ( XXXX and XXXX ) was not satisfactory. I have filed a complaint with the XXXX  and I feel that my rights as a consumer is being violated. It is not my responsibility to reach out to a different company to assist you with providing me the proper validation. I am AGAIN, request that you provide me with the following documents : I am asking that this debit be completely removed if you are not able to validate the with the information I requested. This was my request : Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Please provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. If you can not provide me with the information I'm requesting I am asking that you remove this debit from all 3 credit bureaus immediately. Referring me to another company is not a satisfactory response. Here is the original request as from the XXXX : On XX/XX/2024 I wrote all 3 credit bureaus a certified letter requesting that Merchant Adjustment Service validate the debit on my credit files. The amount of the debts that are showing on my report is {$1500.00} with the date assigned listed as XXXX and account number XXXX and {$650.00} with the assigned date listed as XXXX, account XXXX XXXXXXXX. Thank you, XXXX XXXX
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Subject : **Complaint Regarding FCRA Violations Unauthorized Reporting of Negative Items** Dear CFPB, I am writing to file a formal complaint regarding ongoing violations of my rights under the Fair Credit Reporting Act ( FCRA ) by TRANSUNION, XXXX, XXXX For over [ 4/5 ] years, I have been disputing the following negative items inaccurately reported on my consumer report : Account Name/Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Also I have some inquiries that were added to my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These negative items were reported without proper verification or notice, which constitutes a clear violation of my rights under the FCRA. Specifically : 1. **Failure to Provide Notice** : The creditor failed to provide me with the required notice of adverse action as mandated by Section 615 ( a ) of the FCRA before reporting negative information to the credit bureaus.

2. **Lack of Proper Investigation** : Despite my repeated disputes over the past several years, the credit reporting agency has not conducted a proper investigation or corrected the inaccurate information, violating Section 611 ( a ) of the FCRA.

3. **Privacy Violation** : My privacy rights were violated as my personal information was shared without my explicit consent, contrary to Section 604 of the FCRA.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

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.

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 2024-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NJ)

My account was closed without my authorization I have 3 AMEX Cards 1. XXXX XXXX XXXX XXXX  PAID 2. XXXX XXXX} Annual Fee PAID 3. XXXX XXXX I earned XXXX of points and all my points have been stolen
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have addresses listed on my reports that should not be there. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have previously filed a complaint with the FTC regarding these negative accounts, but they are still present. It has been a while since I took action, and there has been no resolution so far. Additionally, I received a letter from the credit bureaus stating that I am not responsible for sending the letter to them, which is incorrect. I am the one who should send my letter
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I previously disputed a collection account on my report from XXXX XXXX XXXX. 
After the dispute, the collection account on my credit report XXXX XXXX XXXX was reported to say WILL BE REMOVED AS OF XX/XX/year>. 
The collection account has not been removed. 
This is from XXXX. However, I want it removed from all my credit reports.
Consumer complaint received 2024-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was advised by a transunion and XXXX rep to fill out this report because of unauthorized inquiries in my report, please remove all these fraudulent unauthorized inquiries on my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, Please remove all the fraudulent unauthorized inquiries on my credit report. Thank you for your help, this is hurting my credit and reporting false information to future creditors.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

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.

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 XXXX 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 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc. (GA)

I am writing to formally request that you cease all communication with me regarding the debt you are attempting to collect. Pursuant to 15 U.S.C. 1692c ( c ), I hereby request that you immediately stop all communications with me concerning this debt, including any communication through credit reporting. Under the Fair Debt Collection Practices Act ( FDCPA ), once a consumer requests in writing that a debt collector cease communication, the debt collector must stop all communications, except for the following exceptions : To inform the consumer that the debt collectors efforts to collect the debt have been terminated ; To notify the consumer that the debt collector or creditor may invoke specified remedies that are ordinarily invoked by them ; To notify the consumer that the debt collector or creditor intends to invoke a specified remedy. This requirement was reinforced in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXX 2010 ), where the court emphasized that debt XXXX must adhere to a consumers request to cease communication under 15 U.S.C. 1692c ( c ). Additionally, any reporting of this debt to credit reporting agencies after this notice will also be considered a violation of the FDCPA. Any further communication from your office regarding this debt, including through credit reporting, will be considered a violation of the FDCPA, and I will pursue appropriate legal action. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-08-07
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX Date XXXX XXXX amount {$430.00} XXXX XXXX XXXX company, I have submitted police reports for identify theft, and records ID fraud victim alert applications submitted in my name without consent dated XX/XX/year>, I recently reviewed my credit report and noticed this account that was fraudulent. I'm now requesting you to investigate this account and remove from my credit report. Thank you for understanding and prompt action.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

On XX/XX/year>, I mailed a dispute letter to Equifax disputing the completeness and accuracy of accounts on my credit report. I recently received a response from Equifax that was issued by them on ( date you received the letter from Equifax ) that they received my dispute but they would not process it because they are assuming it is from a XXXX party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Equifax do its job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Driver 's license and proof of address.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I also Respectfully request that truant and XXXX move those Hard inquiries thats on my credit report. They are not mine. And some of them are XXXX yrs or older. Thank you so much
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Since XX/XX/year>, I've asked Equifax and XXXX to remove XXXX XXXX XXXX ( XXXX ) collection claim from my credit report. They refused. I have no relationship with XXXX. XXXX purchased debt from XXXX XXXX. I had car insurance with XXXX XXXX XXXX and changed car insurance companies. I paid my policy in full before changing companies. I asked XXXX to remove the XXXX ' collection claim, and they complied. Equifax and XXXX refused but they have offered to help me increase my credit score and do credit monitoring if I become a paid member of their service. I believe this is a conflict of interest on their part. XXXX has consistently reported my credit score XXXX points lower than Equifax and XXXX to potential creditors on my inquiries because of this " collection ''.
Consumer complaint received 2023-07-28
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: Experian Information Solutions Inc. (NC)

Hi I filed my first dispute letter in XX/XX/2023 with all XXXX bureaus, CFPB and FCRA 2nd dispute in XXXX with XXXX XXXX XXXXXXXX XXXX my personal information was exposed by the credit bureau in the past a complete violation of my privacy and rights several of the accounts are reporting need to be deleted a few of them are older then XXXX XXXX XXXX need to be deleted also in accordance to the fair credit reporting act I have a right to privacy a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 602 A ( 602 A section 2 ) 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 7 years