davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (IL)

Hello I do not know what this debt is. It just showed up on my credit report I never received anything and don't know how old it is or if even mine. 

If it's medical debt it should have been paid by insurance and not owed by me
Consumer complaint received 2023-07-10
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. (OK)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-15
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: Experian Information Solutions Inc. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-05-15
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. (TX)

XXXX, EXPERIAN, XXXX IS Obligated by the FCRA to report accurate accounting. Consumer has advised All the accounts, all the inquiries reported was fraud. Said companies had 4 days according to LAW to remove such items. and block from being on the report while conducting an investigation. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX. EXPERIAN. XXXX TO provide the documentation used to determine these accounts and inquiries was indeed authorized by the consumer. XXXX. EXPERIAN. XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-Oscar report
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX states on remarks that a payment was made after charge off trying to make my report as bad as they can which is a violation of the FCRA this trade line must be deleted at once to keep up changing my report to read bad when its paid off by canceled 1099c pprove is in the letter theey wrote to me charge off date XX/XX/2022 last payment was on XX/XX/2022 so where is the payment after charege off delete this trade line
Consumer complaint received 2023-02-20
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: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602.a states I have the right to privacy. 

15 USC 1681 section 604.a number 2 also states that a consumer reporting agency can not furnish an account without my written instructions, 15 USC 1681c. ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information, other than records of convictions of crimes which antedate the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) states that 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 2023-01-03
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. (FL)

This is the several time I've complained about being a victim of identity theft. You must remove any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$8400.00} ; XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-01-10
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. (PA)

As of Today XX/XX/23 at XXXX PM your company needs to delete these accounts below and if your company does not delete these accounts within XXXX business days, I will seek legal action for up to {$3000.00}. Your company is committing aggravated identity theft, violating the metro 2 compliance and FCRA. 

Delete these accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete these names below : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, L Delete these addresses below : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2023-07-10
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. (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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  XXXX Acct # - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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.

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.

Also they aren't even in compliance with XXXX XXXX  credit reporting. I have evidence to prove my case
Consumer complaint received 2023-07-10
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. (LA)

I have been trying to dispute this unauthorized inquires off my report I have contract these agency on several attempts and have been unsuccessful. I have contacted Equifax on this matter on XX/XX/23 investigation was completed same day. XX/XX/23 investigation was completed by XX/XX/23. 

>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. 

However, I need to have thiese removed. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. as per the Fair Credit Reporting Act section 611
Consumer complaint received 2023-07-11
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. (NV)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance : {$330.00} ; XXXX XX/XX/2022.
Consumer complaint received 2021-06-29
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. (MN)

The following credit inquiries listed on my XXXX XXXX, XXXX and Experian credit report are all fraudulent credit inquiries and not my credit inquiries : XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, MI XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX, and XXXX XXXX XXXX  XXXX, XX/XX/XXXX
Consumer complaint received 2023-01-10
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)

As of Today XXXX XXXX XXXX XXXX your company needs to delete these accounts below and if your company does not delete these accounts within 3 business days, I will seek legal action for up to {$3000.00}. Your company is committing aggravated identity theft, violating the metro 2 compliance and FCRA. 

Delete these accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-10
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. (VA)

We have been dealing with Equifax and XXXX XXXX 's intentional aggressive negative reporting for lowering of scores for paying off debt. They are consistently lowering scores for any reason while, XXXX is steady. 

When we address this with Equifax, they immediate increase the credit scores. I have has to ask XXXX XXXX to investigate accounts and remove accounts. 

They are scamming consumers with fake and aggressive score lowering and finding any reason to lower scores.
Consumer complaint received 2023-01-03
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. (IN)

I sent the credit bureaus a letter on XX/XX/2022 certified tracking # XXXX # XXXX # XXXX asking them to verify and investigate the items on my credit report and I was told everything was correct and my updated credit reports to still shows inaccuracy. The credit bureaus stated my account was properly investigated but how is that possible if its still not accurate. This is grounds 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 A. It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( A ) Reporting information with actual knowledge of errors 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 2023-08-14
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. (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. 

XXXXXXXX XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$14000.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$6800.00}. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$5500.00}. 

XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$20000.00}. 

XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. 

XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$100.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1800.00}. The original creditor is XXXX XXXX XXXX XXXX 

XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$5900.00}. 

XXXX XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I could not apply for a home loan because of the negative items I have on my credit report.
Consumer complaint received 2023-03-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that are listed on my credit report. I am particularly concerned about the accounts that are listed as late payment, charge off, and collection. The following are the accounts that I am disputing : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account MEDICAL XXXX Collection Account XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX. XXXX Charge Off Account I do not believe that these accounts are accurate and request that you investigate the matter thoroughly. I have included a copy of my credit report with this letter for your reference. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate, incomplete, or unverifiable. I am invoking this right to ensure that my credit report reflects an accurate and up-to-date picture of my credit history. 

Please note that if the investigation determines that any of the above accounts are not accurate, complete, or verifiable, I request that they be removed from my credit report immediately. In addition, I request that you provide me with written confirmation of the removal. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY (NY)

In XX/XX/XXXX, I put a check in the mailbox made out to the IRS for $ XXXX. Somewhere along the way a fraudster stole the check while in route and either sold it to a third-party to wash and cash the check or washed it themselves and deposited it into their bank account. 

In my banking portal ( XXXX ) I have images of the washed check since it was deposited at a bank, TD Bank. XXXX says that they are not liable and I need to contact TD Bank to try to claw the money back from them or the bank account holder. 

I filed a police report and XXXX said they were not liable. I then worked with the detevtive who I filed the police report with to send a subpoena to TD Bank but they are claiming to have no knowledge of the bank account or individual, even though I shared all of the details ( images of the stolen check, name of depositor, date the check was deposited, location the check was deposited, etc etc ). 

I would like TD Bank to investigate the owner of the bank account where it was deposited or at least provide tho bank account owners details with the detective working on the case so I can recoup the money. 

I have all of the details of the incident, a police report, and a subpoena. 

Attached are images of the front and back of the stolen check that was deposited. Below are details I got from XXXX on where the money was depoisted : Bank : TD Bank City and State : XXXX, Maine Zip : XXXX Bank branch number* ( ie 'cost center ' ) : XXXX Date check was deposited : XX/XX/XXXX Lastly, here is the subpoena number that was used and filed with TD Bank by Detective XXXX of XXXX XXXX : XXXX / XXXX ( Ref : XXXX )
Consumer complaint received 2023-07-10
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. (FL)

hey, I have been exposed to identity theft and have never had a contract or did any business with XXXX XXXX XXXX  there is NO WAY THEY SHOULD HAVE MY INFORMATION! Someone gave them my information without my consent and now its on my consumer report and that is illegal.
Consumer complaint received 2019-11-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (CA)

On XX/XX/2019, a money transfer was processed for our relatives.

The company used for this transaction was Western Union.

After Western Union confirmed the money being deposited into the receiver 's account, the money was NOT accessible because the deposit was never made!

The Bank in XXXX, XXXX has no record of the money being deposited into our relative 's bank account.

After contacting Western Union and speaking to multiple customer service representatives for a period of over three weeks, Western Union say there is nothing they could do to retrieve or reverse the transaction so that we could get our money back.

I also tried to get a hold of the Corporate Offices and speak to a higher authority and it is impossible!!

Today it is XX/XX/2019, a month later and no news of where our money is!
Consumer complaint received 2023-05-10
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: TRANSWORLD SYSTEMS INC (GA)

I XXXX XXXX AM WRITING THIS ON MY OWN BEHALF WITHOUT THE ASSISTNACE OF ANYONE ELSE. In accordance with the Fair Credit reporting act 15 USC 1681 section 602A States that I have a right to privacy. The reporting of the account below are a violation of my prvacy. 

I have attached the documentation to reflect the incorrect reporting of the following accounts. The following accounts need to be removed right away due to being incorrectly reported and also as a violation of my privacy, I did not give XXXX, XXXX, or XXXX written permission to publish this information. Per 15 USC 1681 Section 604 a section 2 states and agency can not furnish an account without my written consent.. TRANSWORLD SYSTEM ACCT # XXXX this account does not belong to me please remove it. FILE ATTACHED ... .... XXXX XXXX XXXX XXXX # XXXX this account is not valid please remove or provided the means by which you verified this account, I want the names numbers and address of the person you spoke to in order to verify this account. FILE ATTACHED ... ... ... .DEPT OF EDUCATION ACCT # XXXX in the amount of {$1100.00} This account has XXXX different account status types across each agency. XXXX has the account listed as refinanced XXXX has the account listed as paid and XXXX has the account listed as derogatory. Payment status is listed as current with XXXX XXXX has the account listed as a collection/chargeoff and XXXX has this account listed as late 120 days. Update this account to current or remove the entire account for inaccurate reporting. FILE ATTACHED US DEPT of ED account # XXXX in the amount of {$1100.00} this account is reporting incorrectly on all three reports. The payment status last date active and date of last payment show three different date. Remove this account