davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: TD BANK US HOLDING COMPANY (FL)

I bought two money orders XXXX XXXX XXXX XXXXXXXX in the amount of {$500.00} and XXXX XXXX XXXXXXXX in the amount of {$170.00} ) from XXXX XXXX and mailed them to XXXX to make a payment on one of my Credit Card Accounts. I deposited a Priority Mail envelope in USPS Mailbox with both Money Orders directed to my XXXX Account. 
Both Money Orders were chased on XX/XX/XXXX. At that moment I thought it was cashed by XXXX, were I sent it to, and they didn't credit it to my account for some system failure. 
I ask XXXX XXXX for front and back copies of the money order. When I got the copies of the cashed Money Orders both were singed on the back by an individual, unknown signature on the endorsement line and a set of numbers that belong to TD Bank, indicating that they were deposited on a TD Bank account on XX/XX/XXXX. 
The numbers are : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX I got in touch with XXXX XXXX, and they asked for some paperwork signed by the XXXX ( XXXX ) which they never agreed to sign. Seeing that I couldn't get what XXXX XXXX was asking from XXXX I called TD Bank myself on several occasions explaining that XXXX of their customers robbed me and they did not help at all : on XX/XX/XXXX I called the XXXX XXXX XXXX XXXX  of TD Bank and supposedly they listen to my report, they said someone will call me back, they never did. On XX/XX/XXXX I called again, didn't get any help and lastly on XX/XX/XXXX I called again, and they put me in a long period of hold giving me the impression they wanted me to give-up, hang up and abandoned my request. 
I have copies of all the documents I have mention and all the letter that I have written. I will attach all the paperwork to this complain. I still haven't been able to recuperate the money from TD Bank 's thief account. Please help!
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

I recently received a copy of my XXXX XXXX XXXX report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX Balance Owed : {$30000.00}
Consumer complaint received 2024-04-27
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. (LA)

I have received a copy of my consumer reports, and I noticed EXPERIAN is reporting transactions on my consumer report that are excluded by law as per the FCRA 15 USC 1681a ( 2 ) ( A ) ( i ). I was not late because I never received a statement in the mail per 15 USC 1666B with the information required in it per 15 USC 1637B. I was not late on this account, and I want the late payment removed immediately.
Consumer complaint received 2024-04-27
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2023-09-24
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (PA)

To Whom It May Concern, Ive just received a notification from XXXX XXXX about a hard inquiry on my credit report, specifically to TD BANK USA/TARGET on XX/XX/2023. As of now, theres no additional information on this creditor nor any activity on it but I need to report it. Please advise at your earliest convenience. 
Thank you, XXXX
Consumer complaint received 2024-04-27
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. (NJ)

I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible thank you
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-09-06
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. (NJ)

Based on : 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft no later than 4 business days after the date of receipt.

Under 15 U.S code 1681e ( b ) and 15 U.S 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated federally protected consumer rights to privacy and confidentiality under the 15 U.S.C 1681. These accounts have violated my rights.

Pursuant to 15 U.S.C 1681 section 602 A, I have a right to privacy.

Pursuant to 15 U.S.C 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE!
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I recently did an investigation into mu credit and was horrified at what I found, the items being reported were imprecise and untrue, the agency did not make sure what they were reporting was 100 % accurate before playing a detrimental role in my life and placing these items unfairly on my report without the assurance that they are correct
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$4600.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Reference # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX  XX/XX/XXXX # XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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
Consumer complaint received 2024-08-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (IL)

I am writing to formally dispute the charge-off reported on my credit report related to the above-referenced car loan account. Upon reviewing my credit report, I noticed that this account has been marked as charged-off, which I believe is incorrect. 

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically Section 1681a ( 3 ), I am exercising my right to dispute the accuracy of this information. Under 15 U.S.C. 1681a ( 3 ), you are required to ensure that all information furnished to consumer reporting agencies is accurate and complete. 

Additionally, under the XXXX XXXX ( XXXX ), specifically 15 U.S.C. 6802, you are obligated to protect my financial privacy and maintain the confidentiality of my personal financial information. The GLBA mandates that you safeguard sensitive data and ensure it is not disclosed improperly. Given this responsibility, I request that you verify the accuracy of the reported charge-off and confirm that no unauthorized or erroneous information has been shared with credit reporting agencies.

Furthermore, the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) requires that any adverse action taken against me, such as the charge-off of this account, be accompanied by a clear and detailed explanation. I am entitled to understand the reasons behind this charge-off and the steps I can take to address any discrepancies. 

To assist in your investigation, I am requesting the following : XXXX. A complete payment history, including all payments made, missed, and the corresponding dates. 
XXXX. A detailed explanation of the charge-off, including the calculation of the balance owed at the time of charge-off. 
XXXX. Copies of any written communication regarding the charge-off and any notices sent to me prior to this action. 
In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you complete this investigation and inform me of the results within XXXX  days. If the information can not be verified, I request that it be promptly corrected or removed from my credit report. 

Please acknowledge receipt of this letter and confirm that you will be conducting the requested investigation. I look forward to resolving this matter as soon as possible. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, [ XXXX XXXX ] -- - This version of the letter integrates references to the XXXX XXXX, emphasizing the importance of safeguarding your financial information and ensuring accurate reporting. Be sure to include any supporting documentation with your letter to strengthen your dispute.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I disagree with the address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX which still appears on my credit report, even after I have dispute the address both electronically and verbally over a phone call. I don't know this address, I don't live at this address, I don't recognize this address.
Consumer complaint received 2024-04-27
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. (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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and 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 2024-04-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (OH)

I moved out of the XXXX apartments on XX/XX/2021 due to maintenance neglect and mold Inside of my apartment. Turned in my keys to the office manager back then by the name of XXXX, and signed a form with my signature. When I called the office just XXXX weeks ago the new manager says that I was charged for rent and late fees, and stated that I actually owed {$500.00} odd dollars. If anything the XXXX owes me money due to the numerous insurance claim and my security deposit they did not mention to give back let alone an itemized statement showing I owed them anything.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-12-04
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. (WA)

ExperianXXXX have used inaccurate information on the report, list goes as follows. 
XXXX  XXXX XXXX Hard Inquiry XX/XX/23 XXXX  XXXX XXXX Hard Inquiry XX/XX/23 XXXX XXXX Hard Inquiry XX/XX/23 Also Please remove all soft pulls and any late payments.

The Name, as Listed should be only name on report.

Any Other Address Besides Listed, shall be removed.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have no knowledge of the account from XXXX XXXX Acct # XXXX, XXXX, XXXX. Under section Section 1604 15 US Code 1681 B, you do NOT have the right to report anything on my credit report without my written consent. Under FCRA rules you MUST DELETE this item from my report.
Consumer complaint received 2024-04-27
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. (TX)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-04-27
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. (TX)

Recently I Looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX, Number Account XXXX
Consumer complaint received 2024-04-27
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: Experian Information Solutions Inc. (KY)

I feel Experian, XXXX and XXXX illegally obtained my public records without my authorization and illegally purchased a XXXX XXXX XXXX bearing my name and all the adversed accounts included in that XXXX XXXX from XXXX. I have consistently asked for them to delete all the unauthorized and unsubstantiated items from my credit report because those items aren't on my XXXX database. I have proof stating that Experian and XXXX get public records from XXXX. Which therefore holds XXXX and Experian XXXX responsible for illegally selling/buying public records bearing my name and for deletion of all adversed accounts that were listed in the XXXX XXXX XXXX  from all XXXX of my credit reports. All by the LAW Must be Deleted from my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've attached the updated evidence that clearly specify how Experian XXXX obtains my public records. However recently that put that they retrieved them from XXXX Kentucky bankruptcy Clerk but that has been disproven. 

ATTACHMENTS
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to {$1000.00} for each erroneously reported item on my credit file.
Consumer complaint received 2024-04-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have had a collection reported on my credit report for XXXX XXXX XXXX XXXX in XXXX, Indiana for about a year. The bill was paid by the VA and XXXX ( I am 100 % service connected XXXX retired veteran ). When I initially found out about the collection being reported I called the hospital and verified that the account had a {$0.00} balance and nothing was owed. However, the credit bureaus did not do their due diligence because their response was that they verified the debt with the collection agency?