davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

I am disputing several hard inquiries listed on my credit report that are inaccurate and unauthorized. These inquiries, which are the result of identity theft, have been incorrectly recorded on my credit report. Despite my efforts to resolve this matter through the official website, the inquiries have not been removed. 

Details of the Inquiries : XX/XX/XXXX - Wells XXXX XX/XX/XXXX - Wells Fargo Card Serv XX/XX/XXXX - Wells Fargo Card Serv XX/XX/XXXX - Wells Fargo Card Serv Actions XXXX : Initial Dispute : I submitted disputes regarding these inquiries through the online dispute resolution system on the credit reporting agency 's official website ( XXXX ) XXXX Despite this action, the inquiries remain on my credit report, and no resolution has been provided. 

Request for Resolution : I am requesting the immediate removal of these unauthorized inquiries from my credit report. I believe that resolving this matter promptly will align with the principles of accuracy and fairness as stipulated by consumer protection laws. 

Thank you for your attention to this matter. I look forward to a swift resolution.
Consumer complaint received 2024-07-10
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: SOFI TECHNOLOGIES, INC. (FL)

Prior to the following noted date, I had received multiple emails containing exactly the same information. On XX/XX/year>, I used a link embedded in that email, sent to me directly from the XXXX XXXX XXXX, XXXX. It was stated, in the body of the email, this link address would redirect me to their website XXXX XXXX and allow access to alternative repayment options. However, access to this alleged XXXX XXXX, via their website, was blocked by my malware protection application, which is installed on my computer system. XXXX XXXX XXXX, XXXX had employed the use a type of phishing method or process to acquire my personal and private financial information, without my knowledge or permission. This was a very bold attempt to infect my computer with malware in order to possibly obtain my bank account numbers, credit card details, login credentials and any other very sensitive data. My antimalware software installed on my system, and in my browser, prevented me from being XXXX XXXX XXXX, XXXX next victim of this very serious cybercrime attempt. 

XXXX XXXX XXXX, PC clearly violated the provision in the Fair Debt Collection Practices Act, section XXXX, False or misleading representations ; violation example number XXXX, the use of any false representation or deceptive means to collect or attempt to collect any debtor to obtain information concerning a consumer. They misled me by representing the link to their Payment Portal as safe and virus free. Then, attempted to deceive me, by offering a means of accessing alternative repayment options, knowing that link would download malware onto my computer hard-drive, and subsequently steal all of my personal and financial information for their clientXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX appear to possess the characteristics and furtiveness of the worst thieves in the XXXX century, cyber thieves. In addition, XXXX XXXX XXXX, XXXX stated, in documentation, their client is XXXX XXXX XXXX, and they are not the Plaintiff in any action. Therefore, the only logical assertion : XXXX XXXX XXXX is aware of XXXX XXXX XXXX, PCs cybercrime practices and were in collusion to steal my most personal and financial information.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Data Mortgage Inc. (VA)

My credit was marked as late in the month of XX/XX/year>, as I stated in the previous CFPB complaints when asked to speak with a supervisor no one is available. Each agent I spoke with regarding my credit reporting has told me it was accurate. Essex mortgage doesn't not allow you to make a payment without paying fee which is XXXX volitation, none of my notices signed at closing or my promissory note state I must pay my late fee to make a payment. I spoke with my lender who confirmed also its not required. It's an Unfair, Deceptive, and Abusive use of power to get customers to pay fee or not a payment. I recently attempted to speak with a supervisor when they returned my call after receiving regarding this matter, he advised me that I was on certified funds block due to NSFs. I asked for proof because I've never had a return check with Essex XXXX regarding my payments.
Consumer complaint received 2024-07-18
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: The CMI Group, Inc. (VA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
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. (PA)

On XX/XX/XXXX XXXX I was viewing my consumer report and its relationship between I and the consumer reporting agencies. During my investigation I realized that my consumer report has inaccurate information that's being reported on my consumer report on a monthly basis. I was never notified by Equifax, XXXX or XXXX that they are assembling and evaluating my consumer credit and other information about me. According to the FAIR CREDIT REPORTING ACT ( FCRA ) consumer reporting agencies are obligated to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated by the three reporting agencies when they assumed this role.They were not given express permission by me, the consumer or a competent court of jurisdiction to issue an order stating that the three major reporting agencies are obligated to report such information. According to 15 usc1681c ( a ) ( 4 ) ( 5 ) no consumer reporting agency may make any consumer report containing accounts placed for collections or charged to profit and loss or any other adverse item of information. Also according to the FCRA a consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that the information that is being obtained is through a personal interview with a neighbor, friend or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information.So, not only did they fail in the initial investigation of this information, they also assumed this role, and assumed this information was valid which is a violation of my consumer rights.They did not insure that this information is accurate and you did not exercise your grave responsibility with fairness and impartiality.They took one side of the story and never consulted with me or people that is close to me or that had knowledge of this information to find out if those transaction even took place. As a result of this my privacy has been breached and identity theft has been committed by the three reporting agencies which is a violation of my right to privacy.This mishap that the consumer reporting agencies have caused ruined my reputation and it has adversely affected my credit worthiness to extend credit.
Consumer complaint received 2024-06-04
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Herbert P. Sears Co., Inc. (TX)

HP SEARS COMAPNY XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX I am writing to formally dispute the collection accounts reported on my credit report. These accounts was added without my consent, and I believe they are inaccurate. 

Please provide validation and documentation proving that this debt is mine and that I authorized its reporting. In the absence of such proof, I request that you remove this account from my credit report immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is my several attempt to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ) .My disputed items on my account still reporting to my credit file held with Credit Bureaus . These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my report immediately : 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 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 2024-07-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TransferWise Ltd ()

I recently transferred some funds via my WISE account fromThursday and to my surprise today, my bank in my local country which is the XXXX XXXX XXXX  has charged me leaving me with nothing in my account. This is upsetting and I am really upset with the mere fact that they took my money. I need back my money and I'm tired of WISE charging fees because when it reaches my bank account internationally. I am not left with anything. I am going to stop use WISE. Both WISE and XXXX are scammers. These banks are taking your own money that should be sent in your account.
Consumer complaint received 2023-08-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$90.00}.
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. 

Account Name 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 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 2024-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am rejecting this response because : XXXX XXXX XXXX recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, TransUnion has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted XXXX XXXX XXXX providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. XXXX XXXX XXXX failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
XXXX XXXX XXXX continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that XXXX XXXX XXXX  adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Burke Moore Law Group, LLP (NY)

15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim.. You are violating my consumer rights and I have the right to privacy.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (GA)

Violated my PRIVACY RIGHTS as a federally protected consumer my privacy rights are being violated under the PRIVACY ACT OF 1974 and the right to opt out Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and nonverbal per 15 U.S. Code 6802.

As a federally protected consumer Per 15 USC 6801 states that it is illegal to report transaction history. This is because Congress has a policy that financial institutions must protect the security and confidentiality of their customers ' non-public information and respect their privacy.
Consumer complaint received 2024-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: iQuantified Management Services, LLC (TN)

Service provided by anesthesiologist for cataract XXXX for my husband in XX/XX/year>. Insurance coverage, paid the same amount ... IQMS sent 2 notices of non payment and was personally paid with XXXX funds 2 days after insurance payment unbeknownst to me. I was informed by my XXXX XXXX ( hubby is on my insurance ) of the double payment and my requirement to reimburse my XXXX which I had to do for access of my remaining monies. I have contacted IQMS MANY times and sent documentation to verify the above and have received confirmation from them that the money is due..promise of call back and return of funds has never materialized months later. Calls from me XXXX *******, XXXX *****, XXXX *****, XXXX *****, XXXX *****, XXXX ******, XXXX *****, and other times since XXXX ... one of the most recent conversations I was told that a XXXX is following up and I should have my refund because the double payment was verified. Help please because I'm getting no where and they are not responding and refuse to provide contact info for the anesthesiologist for a direct request.I alattached the forms from XXXX that they had paid ... also fact notification that my XXXX  payment was denied because of insurance paid .Several CS Reps with this company acknowledged the double pay and indicated they would reach out for reimbursement ... never received any update ... no reimbursement. I had to repay to my XXXX  because of and provided payment verification to no avail.
Consumer complaint received 2024-07-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (CA)

Company : Adler Wallach and Associates I have tried to resolve a collection by paying the needed amount with Adler Wallach and Associates. The collections letter was sent to the wrong address and no notice was sent out to me. Additionally, they had all old contact information that was not updated. They were not able to help resolve this issue over the phone and I had to search my collections issue through their online portal. 

I attempted to pay this claim on XX/XX/XXXX, for the amount of {$250.00}. They were not able to provide me with confirmation of the payment. The charge was never taken from my bank account and had to manually follow up. My second attempt was on, XX/XX/XXXX, to settle this claim for the increased amount of {$250.00}. No notice of the failed payment was provided or notice of the increased amount. 

I have reached out to their email to get confirmation of the transaction and get a response if they have settled the collection. No communication was provided. 

I have receipts of the multiple attempts to settle the collection with the company as proof.
Consumer complaint received 2024-07-19
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC (VT)

They contacted my dad and my sister multiple times stating they are XXXX and need to talk to me about the debt. I did not provide them their contact information. They asked them not to call and theyre still calling them. I am working on one of the loans through consolidation already through spite recovery solutions.
Consumer complaint received 2023-06-08
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. (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX