davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-18
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. (NC)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX  breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person.
Consumer complaint received 2024-10-31
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. (FL)

Dear CFPB, I am writing to formally request your assistance regarding six unauthorized and fraudulent inquiries that are currently appearing on my consumer credit report. These inquiries are negatively impacting my credit score and overall credit profile. 

Details of the Unauthorized Inquiries : XXXX Inquiry # XXXX XXXX, XX/XX/XXXX Inquiry # XXXX XXXX, XX/XX/XXXX Inquiry # XXXX XXXX XXXX, Date XX/XX/XXXX Inquiry # XXXX XXXX XX/XX/XXXX EQUIFAX Inquiry # XXXX XXXX XXXX XX/XX/XXXX Inquiry # XXXX XXXX XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2024-01-01
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bridge IT, Inc. (OR)

My cash advance of XXXX was due on XX/XX/XXXX was paid early on XX/XX/XXXX via debit card and approved by my bank on XXXX The app suddenly told me I was over 153 days late and needed to pay immediately. 

On XXXX XXXX  withdrew another XXXX XXXX as well as told me that I still owed them money via app and email. 

I opened a ticket but they send me texts and messages insisting I owe them funds despite having paid them twice, one early on XXXX  and once when they removed funds from my account on XX/XX/XXXX
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Hello, My complaint is in regards to XXXX XXXX, this is the second time Ive had an issue with them. See prior complaint. I received a message from XXXX ( Equifax ) that my credit score had tanked tremendously. I checked my report and it was XXXX XXXX that reported me 30 days late. My account was paid off in XXXX of XXXX, therefore I didnt have a balance. I received a text text message that said I had a balance of XXXX cents and that it was late. Mind you, I paid off my account in XXXX of XXXX to a XXXX balance. I called XXXX with the number provided on their website several time, no answer. I sent messages via XXXX, no response and I emailed for the last couple of days and still no answer. I also noticed they deducted XXXX out of my bank account. This is insane. I really need assistance with getting my credit update to never late, as I have never been late and this account was paid off in XXXX. This company should be shut down for their fraudulent activities. They are ruining consumers lives with the way they handle their past customers and Im sure current ones as well. Please assist.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX XXXXt # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CarMax, Inc. (MS)

On XX/XX/2020, I entered into a financial agreement with CarMax, which included an interest component. However, I have recently come across information that suggests that I am in-fact entitled to a refund of unearned interest pursuant to USC 1615 , in the amount of {$18000.00}.
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.
Consumer complaint received 2024-10-31
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. (IL)

I am refilling the complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Helvey & Associates, Inc., Warsaw, IN Branch (SC)

XXXX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud said company had 4 days according to the law to remove such items. FTC fraud report on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer. 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. If XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX XXXX file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX New York XXXX XXXX securities XXXX XXXX XXXX XXXX XXXX XXXX  XXXX New York XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX i will be filing for XXXX XXXX XXXXXXXX XXXX to audit consumers account. 
XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2023-11-18
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. (AZ)

An investigation by the credit bureaus showed that the XXXX XXXX XXXX XXXX XXXX  account XXXX belongs to me, although I indicated that the billing address indicated in this account is an address that was made fraudulently, attaching a FTC report to these investigations, but the credit bureaus considered that this account belongs to me with which I strongly disagree with.
Consumer complaint received 2023-11-18
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. (MD)

XXXX XXXX XXXX # XXXX, XXXX XXXX L # XXXX, has violated my rights. 

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 2023-11-20
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NC)

I sent out disputes for the creditors to send verification of the debt that they are saying I owe multiple times the last letter was sent out on XX/XX/XXXX  in which they responded with just a statement of the bill and none of the other items I've been asking for months now. ive asked these creditors to send me the following : 1. the amout of the debt claimed 2. the name of the original creditor 3. verification that they were assigned or have the legal authority to collect this debt.

4. A copy of any original agreements or contracts baring my signatures etc.

Sending me just a statement of the bill is not proper verification and WILL NOT suffice.

I need more details about what they are saying I owe so that I can make an informed decision or for these accounts to be permanently deleted from my credit reports immediately if they can not send me proper verification.
Consumer complaint received 2023-11-18
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. (FL)

Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).

Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).

Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3
Consumer complaint received 2023-11-18
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: Amsher Collection Services, Inc. (IL)

AMSHER COLLECTION SERV and XXXX reported my personal and private information between each other. I was never given a policy notice upon contracting with XXXX  in written form or any form at all as well as not provided with one annually in accordance with the GLBA giving me the option to OPT IN OR OUT and I'm excising my rights under the Gramm-Leach-Bliley Act to DEMAND these companies to STOP reporting my personal transactions and experiences to my consumer report. 

Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. Such institutions must develop and give notice of their privacy policies to their own customers at least annually ( except where exempted under section 75001 of the Fixing America 's Surface Transportation Act ( FAST Act ), Pub. L. No. 11494, 129 Stat. 1787, codified at 15 U.S.C. 6803 ( f ) ), and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure. Under the Dodd-Frank Act, this rulemaking authority transferred to the Bureau of Consumer Financial Protection ( except with respect to certain motor vehicle dealers ), but the FTC continues to have enforcement authority. Subtitle A also requires the FTC and other agencies to issue regulations for the safeguarding of personal financial information ; this authority did not transfer. The Act also limits the sharing of account number information for marketing purposes. 

Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation. And if that wasn't enough, the provisions include criminal penalties of up to five years in prison, and the revocation of licenses. 

Kindly, XXXX
Consumer complaint received 2023-11-18
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. (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. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-11-18
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. (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 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 2023-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NJ)

On XX/XX/XXXX  I have purchased an XXXX XXXX on XXXX using my Apple Credit Card ( GoldmanSachs ), total amount of {$720.00}. I have been charged, but the PACKAGE was NEVER delivered to MY SHIPPING ADDRESS. " XXXX '' is the tracking number which was never sent to my rightful address. 
I have contacted the shipping company ( USPS ) about the matter and they have proven that the package was NOT delivered to MY address ( seller put a different street address ). I have tried to dispute my transaction with XXXX but they couldn't help me, so I contacted my credit card for Dispute/fraud. I have sent the right information and evidence to support my claim, but my dispute got Denied, 2 TIMES already. Also the seller never responded to my messages. 
I hope you can please help me, thank you.
Consumer complaint received 2023-11-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd ()

On XX/XX/2023, at XXXX ART, I initiated a transfer request with Wise Inc US for {$2000.00}, which amounted to {$2000.00} after the company 's transfer fee. On the same day, at XXXX XXXX ART, I executed the transfer for {$2000.00} to Wise Inc US, which, as of today, has not been credited. I routinely make such transfers every month or two, consistently using the same Wise Inc account and the same method ( Wire RTP ). It was surprising that it didn't go through even after five days. I contacted Wise support multiple times without success ; their responses were consistently, " Your money hasn't arrived ; we will notify you within 1 to 2 days when it does, '' but no notification ever came. I called the customer service number provided on their website, and when attempting to speak with an agent, the call was abruptly disconnected. This is outright theft on the part of Wise, and I demand a refund of my money, as I no longer wish to deal with this company, nor do I want the already transferred funds to be credited.
Consumer complaint received 2024-01-01
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. (MI)

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 Equifax to reinvestigate these accounts : 1. Account name : XXXX Account number : XXXX XXXX. Account name : XXXX Account number : XXXX XXXX. Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Account Type : Credit Card 4. Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX Account Type : Mortgage XXXX. Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX Account Type : Auto Loan 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. 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.

15 U.S.C. 1681 Section 602 A : States that I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.