davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I was in a joint lease in some apartments and moved out 2 years later. My ex ( which whom I resided with at the time ) renewed the lease for 2 years after I moved out. The apartment complex is stating that I owe {$3000.00} for a broken lease in which my ex broke. I stated that I did not re-sign lease for the consequent years and should not be responsible for this debt. The new debt collector refuses to give me proof of the debt nor will they furnish the original contract which was signed stating that I am responsible, and they are very rude and belligerent on the phone. I have been dealing with this debt collector for a couple of years now and they still refuse to send me proof of debt, however this remains on my credit report. When they offered for pay to delete services, they wanted me to pay first without giving me a letter honoring the pay to delete services. Basically, I really need to resolve this debt, however, they are not giving me any proof of it, nor are they letting me pay the bill without proof of payment or payment deal being offered.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (IN)

Credit was ran for car loan several times, I did try to dispute it and nothing has happen with this. My credit has been destroyed I may not have XXXX but what I do have I work hard for. I would like for this information to be removed from my credit so that I can keep the score that I do have. I would like the inquires removed off my report.
Consumer complaint received 2024-01-05
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. (NY)

On XXXX, and XXXX XXXX account stating my business called XXXX XXXX XXXX XXXX owes monies is fraud!!! 
XXXX was the account, also XXXX sends a XXXX of the account {$0.00} balance as of XX/XX/2024
Consumer complaint received 2024-04-02
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. (IL)

The hard inquiries on my credit report with all XXXX credit bureaus are unauthorized and inaccurate. I have requested removal through mail as well as over the phone with no success. There is also a name, XXXX XXXX, that I am not associated with, as well as XXXX  phone numbers.
Consumer complaint received 2024-01-05
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. (GA)

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.

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 2023-11-11
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. (MN)

I need the Consumer Financial Protection Bureau ( CFPB ) to open up and do a thorough investigation into the XXXX major credit bureaus in regards to the credit bureaus refusing to delete and remove fraudulent hard inquiries from a consumer credit report. With the amount of hard inquiries I have on my Experian and XXXX credit report. Its quite evident and clear all of the hard inquiries are unauthorized and fraudulent hard inquiries. The following hard inquiries currently listed and showing on my Experian and XXXX credit report are fraudulent, unauthorized and not my hard inquiries : XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-01
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc. (MO)

I have been contacted by this service/company/business through repeated text message. I have spoken with them ( although not recently ) and very kindly asked for a copy of charges and an itemized list of what I was being charged for. Being that this is a very suspicious charge, dating several years back, I didnt plan to give them my debit information like they requested on the phone. I keep getting messages, wanting me to click a link ( which I wont do, obviously ) coming from a number that reads XXXX. I cant even call back. In texts, I have continued to ask for them to send me an itemized list of charges or to stop harassing me. I have explained, if I get legitimate documentation with the requested information, I will gladly pay the bill. I have received nothing. Just continued text messages.
Consumer complaint received 2023-12-12
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. (GA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX CO XXXX Balance : {$70000.00}
Consumer complaint received 2024-04-01
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. (PA)

I looked at my report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer report agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate these accounts listed below because. 

In accordance with the fair credit reporting act convergent, XXXX XXXX XXXX. # XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX has violated my right. 

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 an account without my written instructions.
Consumer complaint received 2023-06-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (FL)

Hello, Ive been having this continuous problem with Afterpay, I even filed with the XXXX  but did not get a solution so I hope you guys can help me. My item never arrived and Im being forced to pay and now in debt. I thought Afterpay would be understanding to their customers, and at least wave it away and go to the merchant. I tried going to the merchant myself and getting a refund from there but I couldnt, because it says its been delivered even though I dont have it and it was my first time ordering. Even the merchant told me to contact the shipping company XXXX, which does not help as Ive had problems with the same company before. The merchant is XXXX. Please help me get around this
Consumer complaint received 2023-05-29
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$480.00} XXXX  XXXX Balance : {$660.00} XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$180.00}
Consumer complaint received 2024-03-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (FL)

Collection Agency has not provided validation Information under 12 CFR XXXX ( XXXX ) but yet they placed a collection on your consumer report. 
You have not been given a chance to dispute account according to 12 CFR XXXX ( XXXX ) I ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means. 
Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of XXXX XXXX XXXX ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 

CREDIT COLLECTION SERV ( Original Creditor : XXXX XXXX IN. 
COMPANY ) I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEASE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.
Consumer complaint received 2023-07-04
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-30
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: Experian Information Solutions Inc. (CA)

In regard of EXPERIAN, XXXX, and XXXX, I was never informed by any means nor sent a notification that I agreed upon verbally or gave written consent that EXPERIAN, XXXX, AND XXXX can share my Consumer report with any person, third-party creditor my consumer report is supposed to be protected by consumer reporting bureaus. therefore FRCA 15 U.S.C s 1681 has been violated.
Consumer complaint received 2023-04-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

I opened up my US bank checking account on XX/XX/2022. I was offered {$500.00} when I had direct deposits totaling {$6000.00} or more into my new checking account. I contacted US bank on XXXX XXXXThe bank rep XXXX told me that I met the bonus requirements and that I would get my bonus within 4 weeks. XXXX told me if the bonus was not automatically applied to my checking account then it would be manually given if I called back. I did not get my bonus and when I escalated it to customer service on XX/XX/XXXX I was told that I did not meet the requirements. I asked to speak to the manager and I was told I would get a call back within a few days. US bank never called me back. Not only did I not get the {$500.00} bonus as promised, the manager never called me back to show that they cared about the matter or wanted to reach a proper resolution with me. I have multiple products with US bank and feel they have disrespected my time.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXXXXXX XXXXXXXX Spoke w XXXX  and opened dispute. Opened another dispute in XX/XX/XXXX XXXX  I requested account be deleted as it was incorrect and did not belong to me. 

Accounts incorrect are XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (CA)

In XXXX of this year I received a collections letter from Diversified Consultants stating they were collecting for XXXX. In XXXX of XXXX, I made arrangements to have payments taken out of my account automatically. So, I was concerned that this company was just trying to collect money from me. So, I sent a letter requesting validation of the debt. Specifically asking for them to prove that XXXX gave them permission to collect on this debt. They received my letter on XX/XX/XXXX of XXXX. They sent back to me a bill from XXXX. They did not provide what I specifically asked for. In good faith and just to resolve the issue. I had sent them a check for the full balance. 

Today I received an email from XXXX that they have added this account which is STILL IN DISPUTE to my credit report dropping my scores over XXXX points. I called this company and asked them how did they have a right to add this account to my credit report while the account was in dispute with their company NOT ATT. 

They told me they would not remove this account. So I told them not to cash my check if they do not plan to remove the account from my credit profile. 

They were rude, unapologetic, and simply did not care at all about the fact that they had profoundly affected my life. 

This company is a predator. I have a right based on the FDCPA and the FCRA to ask for verification and VALIDATION of anything reporting on my credit report or anyone asking me to pay them that I do not have a contract with.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

All three credit agencies have violate Privacy Act of 1974. Incorrect billing addresses and incorrect names. They are non billable addresses. Only correct address and name is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all the rest are fictitious names and addresses no mail goes to. They are non mailable names and addresses.
Consumer complaint received 2024-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I demand you excluded ALL XXXX XXXX XXXX XXXX transactions/experiences from my consumer report immediately. The status, late payments are all transactions/experiences. According to 15 USC 1681 a Definitions ; Rules of Construction ( 2 ) Exclusions- Consumer Report- DOES NOT INCLUDE- ( A ) ( i ) Reports containing information solely as to transactions or experiences between the CONSUMER AND THE PERSON MAKING THE REPORT, also 15 USC 1666b Timing of Payments ( a ) time to make payments- a creditor MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE also 15 USC 1682b- Permissible Purpose of Consumer Report 15 USC 1681eb Maximum Accuracy Shall be Reported! I have disputed on numerous occasions that XXXX are constantly increasing the amounts which is effecting my credit score on a monthly basis and making it look as if the charge off had just occurred for that month, which is inaccurate reporting, how does amounts change on a dormant account? All the XXXX transactions and experiences need to be excluded from my consumer report.
Consumer complaint received 2024-01-05
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. (FL)

I have hard inquires on my report that I would want removed off my report due to identify theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-11
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: EQUIFAX, INC. (TX)

In my credit report, there are three accounts that belong to a different collection agency than the one I first signed with. I did not initially sign for either of the two accounts under the collection agency XXXX XXXX XXXX. The account with the {$890.00} balance and the account with the {$760.00} balance belong to a different creditor, and I had no idea that my information was being shared, much less sold, to them. The third business, XXXX XXXX XXXX, is charging me {$110.00} ; I haven't signed a contract with them either, and they have access to my debt and data without informing me.
Consumer complaint received 2024-01-05
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. (NY)

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.
Consumer complaint received 2024-03-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (IL)

sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested, and Fair Debt Collection Practices Act, 15 USC 1692d.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX Per the Fair Credit Reporting Act this account should immediately be deleted. I never used this account as a credit account nor have I signed any agreement that rises this account to the level of a credit account by law. I never gave this company authority to use my credit consumer report to collect a debt and by law should not have accessed due to this not being a credit or loan that I signed for.
Consumer complaint received 2024-03-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (CA)

Credit Collect Services , Inc. on my credit report. I am formally requesting debt validation under 12 1006.34 ( b ) ( 5 ). Despite this request, Credit Collect Services , Inc. Proceeded to place this collection on my credit report without providing me with the opportunity to dispute the account as stipulated by 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). 
Furthermore, I am requesting the purchase agreement between the original creditor and Credit Collect Services , Inc the original creditor to verify the legitimacy of their claim. It is essential for me to review this agreement to understand the basis upon which Credit Collection Services is attention Credit Collect Services, is attempting to collect a debt.

In addition to the purchase agreement, I am also requesting proof that Credit Collection Services is licensed and bonded. It is crucial to ensure that they are operating within the bounds of the law and possess the necessary credentials to engage in debt collection activities.

Moreover, I assert that Credit Collect Services , Inc. is violation of my consumer rights by utilizing false and misleading information in their collection efforts. The collection agency lacks authority to furnish any account to a consumer reporting agency without providing the necessary disclosures mandated by law. This action is in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2 ( 7 ) ( A ).

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action to ensure that Credit Collect Services , Inc. lies with all relevant regulations and statutes governing debt collection practices. Additionally, I request that the collection account be removed from my credit report until such time as it has been properly validated.
Consumer complaint received 2024-04-25
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. (NY)

I recently reviewed again my XXXX, XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.