davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-06
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. (OH)

I'm not receiving response regarding my concern I'm tried to fixed my credit but still no action please delete this inquires now Here 's the list XXXX XXXX XXXX Date of inquiry : XX/XX/2024 XXXX XXXX XXXX Date of inquiry : XX/XX/2024 XXXX XXXX XXXX Date of inquiry : XX/XX/2024 XXXXXXXX XXXX  Date of inquiry : XX/XX/2024 XXXX XXXX Date of inquiry : XX/XX/2024 XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX Date of inquiry : XX/XX/2024 XXXX XXXX Date of inquiry : XX/XX/20XXXX XXXX XXXX Date of inquiry : XX/XX/2024
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In XXXX of XXXX my XXXX XXXXXXXX credit card was closed. Since then this company has reported my card closed and paid for the last 9 months. Now all of a sudden after being reported as closed and paid on time prior to that, it has reported that I have missed payments in XXXX and XXXX of XXXX. There is no reason it has not continued to report as closed or stopped reporting.
Consumer complaint received 2024-07-06
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. (TX)

Consumer reporting agencies continues to work with XXXX XXXX XXXX in causing damage to my principal capacity to rightfully contract by using joint business practices to take private and personal information and cause harm to consumer by discriminating and using illegal adverse and damaging of character or reputation, risk of identity theft, breach, trafficking and other exposures without warranting or insuring with verified affidavit or declaration of valid non-adhesion contract proving debt and consideration and that my information is safe without risk. Both Consumer reporting agencies and XXXX XXXX XXXX has a history of not being able to prevent consumer risk exposure of private and personal information as well as history of breach, and other federal and state violations. XXXX XXXX response to my previous CFPB was hank you for expressing your concerns. We appreciate the opportunity to address your concerns. We know this can be confusing, while XXXX XXXX is not a credit reporting agency and is not providing a " consumer report '' to any parties. We are a creditor and as such furnish credit history, positive and negative, to the credit reporting agencies. Claims regarding 15 USC 1681 do not apply. You did, however, accept our terms and conditions on XXXX XXXX XXXX, when you agreed to our terms and conditions which states both positive and negative payment history will be reported to the credit reporting agencies. In addition to your claim regarding 15 USC 1692a and 1692c ( c ), XXXX is not a " debt collector '' under that definition, nor has your debt been sent to collections. At this point, we have written off the debt in XXXX, so you will not receive any further notices about the debt. Because the previous late payment information reported is accurate, as per previous account review, and per federal reporting guidelines, we are unable to remove them. Furthermore, our review of your previous interactions with our support team confirms that you were aware of the account and that it was opened by you. We never received a request to cancel your XXXX subscription nor did we receive any disputes regarding the charges on your card. We have no further information at this time that indicates this account was opened due to identity theft. If you have a valid claim of identity theft that has been reported to the credit reporting agencies and/or proper legal authorities, please contact us at XXXX with the additional information and we will be happy to take appropriate actions.
Consumer complaint received 2024-07-05
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. ()

I am a victim of fraudulent information reporting and I am filing this complaint to TELETRACK. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit records 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.
Consumer complaint received 2024-07-06
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. (TX)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can & # XXXX ; t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-07-06
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. (IN)

XXXX XXXX  : Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account number : XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below XXXX XXXX XXXX Account number : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A states i have right to my privacy.

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. 


In accordance with the Fair Credit Reporting Act. The List of accounts below XXXX XXXX Account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A states i have right to my privacy.

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. 



In accordance with the Fair Credit Reporting Act. The List of accounts below XXXX XXXX XXXX  Account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A states i have right to my privacy.

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 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-05
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. (NC)

Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2024-07-05
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: EQUIFAX, INC. (NC)

XXXX. XXXX is in violation of this XXXX XXXX XXXX XXXX - XXXX in case of disputed accuracy. The law specifically states ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I HAVE NOT RECEIVED ANY DOCUMENT/CONTRACT CERTIFIED MAIL WITHIN XXXX DAYS OF REINVESTIGATION BEARING MY SIGNATURE THAT I CONSENTED TO OWEING FOR AN ACCOUNT FOR XXXX XXXX  WHICH MAKES THIS ACCOUNT BEING REPORTED INACCURATELY ON MY CREDIT REPORT. IF THIS ACCOUNT IS NOT ACCURATELY UPDATED IN THIS REINVESTIGATION I WILL BE FILING A COMPLAINT WITH THE FTC AND ATTORNEY GENERAL FOR DIRECT VIOLATION OF THE FCRA. YOUR NEGLIGENCE TO PROPERLY UPDATE INACCURATE INFORMATION ON MY CREDIT REPORT COULD RESULT INTO CRIMINAL CHARGES FOR IDENTITY FRAUD FOR FALSELY REPORTING ACCOUNTS THAT NOT HAVE BEEN VERIFIED ON MY CREDIT REPORTS. PLEASE PROVIDE THE NAMES, ADDRESSES, AND TELEPHONE NUMBERS OF EACH PERSON YOU CONTACTED REGARDING THIS DEBT IS VERIFIED. ANY AUTOMATED RESPONSE OR XXXX XXXXXXXX XXXX XXXX UNACCEPTABLE. I AM REQUSTING A REINVESTIGATION AND YOUR METHOD OF VERIFICATION.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-07-05
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: EQUIFAX, INC. (NJ)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

I am contacting you because Equifax claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. 
However, these accounts is STILL inaccurate and their companies is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my accounts was property investigation but how is that possible if the credit bureaus are reporting different information.

Us Dept of Ed/account number XXXX Amount {$3900.00} Date opened is inaccurate, High balance is inaccurate, last verified date is inaccurate, the closed date is false, and date of last activity is not accurate. This account is also XXXX years old. That is past the status of limitation. 

Us Dept of Ed/ account number XXXX Amount {$3500.00} Last verified date is not accurate, date of late activity is incorrect, date reported is not correct, and the closed date is false. Also, this account is XXXX years old. That is past the status of limitation. 

Us Dept of Ed/account number XXXX Amount {$7100.00} This account is XXXX years old. That is past the statue of limitation. 

Us Dept of Ed/account number XXXX Amount {$5500.00} This account is XXXX years old. That is past the statue of limitation. 

XXXX XXXX XXXXaccount number XXXX Amount {$480.00} Last verified date is not accurate, date of last activity is inaccurate, date reported is not correct, the closed date is falsified, and high balance is missing. 

XXXX XXXX XXXX account number XXXX Amount {$960.00} Last verified date is inaccurate, date of last activity is incorrect, closed date is false, date reported is invalid, and high balance is missing. 

XXXX XXXX XXXX account XXXX Date of last activity is inaccurate, the close date is false, and date last verified is missing. 

I have provided XXXX XXXX XXXX credit report along with Equifax credit report to prove my case.
Consumer complaint received 2023-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TransferWise Ltd ()

Hello Sir, Today XX/XX/2023, I received the final resposne from Wise after complaining through your platform. Their response is similar to what they provided to me on XX/XX/2023. Today they just added some TOS. In their previous final response, they didn't mentioned I was a victim of a scam and I forwarded that complaint to XXXX XXXX amd XXXX XXXX didn't upheld the complaint due to wise lack of information which they provided now. But, XXXX XXXX has said to me now, they will not consider the same complaint. Wise again waisted my 1 month of time from XX/XX/2023 to XX/XX/2023. And previously they waisted my time from XXXX XX/XX/2023 to XXXX XX/XX/2023. And they didn't do anything or reveal where my money goes and how to recover it. Now, they are saying I am a victim of scam and now I can recover those money after 14 months? Here Wise shows professional negligence. 

Sir, I am a XXXX XXXX. I am XXXX XXXX and I can't do day-to-day work. I haven't been able to see doctors for due to lack of money which I lost on Wise platform. I have asked wise so many times from XX/XX/XXXX to recover or reverse my transections and asked them before moving my funds there on my Wise account. But, Wise didn't do anything to safegurd my money when XXXX XXXX is transferred to another Wise account name " XXXX ''. I didn't authorize those payments and my account logged in from a different country. I don't have this kinds of large funds transfer previously, which Wise should have detected. 

Sir, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Sir, I will not be able to bear this pain anymore. If I knew this could happen to me, I would never-ever transfer my funds to Wise. Sir, I am an XXXX XXXX  and those were my only fund left which I have been looking to get reimbursed for the last 14 months!!! 

I have a XXXX XXXX and we don't have any health insurance or govt. helps which can support me to see a doctor. It was hard earned money of me. I am needy person and from XXXX XXXX XXXX. I really don't know how this happened. 

Sir, I with this XXXX XXXX  and XXXX and tension for my lost money, XXXX XXXX XXXX XXXX. I am unemployed. 

Wise attached a transection history where it shows my money goes to XXXX XXXX XXXX XXXX. I don't know anything about this. My money goes to another Wise account holder named " XXXX ''. I am not technically sound to understand this and I don't have any family member or support to discuss this. 

XXXX XXXX said they will not consider my complaint again. Sir, where I will now refer my Wise second final response to?
Consumer complaint received 2024-07-05
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: EQUIFAX, INC. (AZ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
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: EQUIFAX, INC. (GA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, XXXX, XXXX Incorrect Name XXXX XXXX XXXX XXXX Incorrect DOB XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-05
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.