davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-20
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 2023-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC (CO)

I have currently have collections of {$3900.00} originally from XXXX XXXX, XXXX XXXX XXXX. This is for outstanding rent that is owed for a business I sold in XX/XX/2020. I spoke with representatives from XXXX XXXX because I was charged rent during the pandemic restrictions ( XXXX XXXX XXXX Official Pandemic Declared XX/XX/2020 ) despite my lease agreement containing a Force Majeure clause which would have stopped rent being owed during the Pandemic restrictions. The clause reads as : 39.Any prevention, delay or stoppage due to strikes, lockouts, labor disputes, acts of God, inability to obtain labor or materials or reasonable substitutes, governmental restrictions, regulations, or controls, enemy or hostile government action, civil commotion, fire or other casualty, and other causes; or, any failure or defect in supply, quantity or character of gas electricity or water furnished to the Premises, by reason of any requirement, act or omission of the public utility or others furnishing the Project with gas, electricity or water, or for any other reason, whether similar or dissimilar to the above and beyond the reasonable control of the Party obligated to perform, shall excuse the performance by the Party for a period equal to that resulting from the prevention, delay or stoppage, except those obligations of Tenant to make payment for Rent and other charges pursuant to the terms of this lease. 

I owned a XXXX, and Pandemic restrictions for XXXX was lifted on XX/XX/2020. I continued to pay rent during these restrictions despite the above clause stating I would not have to. My monthly rent was {$3100.00}. Calculating the days I was mandated to cease operations, I paid {$10000.00} when I should not have. 

When I sold the XXXX  at the end of XX/XX/2020, despite my requests for my money back, I was told that they were still trying to " work it out '' with management to compensate me. However, they never did. They also required me to pay one more month of rent, despite new owners taking over the XXXX. This is why the current collections account is open.
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. (GA)

I contacted TransUnion regarding a request for the original signed verification of debt from a collection company on XX/XX/2023, and the subsequent failure to receive the requested information, leading to continued inaccurate reporting on my credit profile. 

Despite my formal request for the original signed verification of debt from the collection company via TransUnion, the requested documentation has not been provided within the stipulated time frame. This failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically the provision that requires validation of debts upon consumer request, directly affects the accuracy and completeness of my credit profile. 

Moreover, despite the absence of validated debt information, TransUnion is the only bureau that continues to inaccurately report the debt on my credit profile. The FCRA mandates accurate and verifiable reporting, and the lack of validation of the debt should not warrant its inclusion in my credit profile. 

Enclosed with this communication are copies of the initial request made to TransUnion and any subsequent correspondence for your reference and investigation. 

I am seeking the Consumer Financial Protection Bureau 's assistance in investigating this matter and ensuring TransUnion 's compliance with FCRA statutes. It is crucial to rectify the inaccurate reporting and uphold the rights granted under the FCRA to ensure the accuracy and fairness of consumer credit reports. 

I kindly request the CFPB 's intervention to address this issue promptly and facilitate the
Consumer complaint received 2017-09-24
Product: Credit reporting, credit repair services, 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)

Look at these reports that I have attached to this complaint. I tried contacting these creditors but I did n't get no response at all and I 'm really tired of it. This is my last and final attempt to get this resolved. It is wrong to place information on someone 's credit without their consent and that is a major violation of the law. Companies who are to place them on the credit file is just as guilty. I know the law well and I know that credit bureaus get paid major money to place inquiries on consumers credit so you credit bureaus are willing to anything for money and do n't care about the consumer at all. When I file this lawsuit against all three bureaus I wo n't have a care in my heart as well.
Equifax : XXXX : XXXX : To : XXXX, Equifax, & XXXX.
FYI FOR YOUR INFORMATION, I 've contacted the creditor personally by reaching out to them about this matter & I have n't gotten a response through mail, phone. I do n't recognize any of the inquiries on my credit file. I am sick and tired of you Credit Bureau sending me bogus computer generated investigations. This is the final attempt to resolve this matter with both you and the creditor. I will seek legal actions immediately this week. I am contacting The FTC along, BBB, and filing a law suit against Equifax, XXXX, XXXX.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (TX)

A person called from a phone number ( XXXX ) XXXX identified as Wells Fargo called me to inform me that a person named XXXX XXXX from XXXX, FL was trying to apply for a joint credit card with my social security number. She said that she was transferring me to the Consumer Financial Protection Bureau and gave me a Case ID # of XXXX. 
Another person then answered a phone and said her name was XXXX XXXX phone number XXXX. She said she was pulling up my file and began to ask me to verify my debt. She had names of my mortgage company and car lease company. It sounded like she was reading off my XXXX data. Then she began to ask me about my credit cards and wanted me to tell her my expiration dates. I began to feel uncomfortable and asked her for her phone number and if I could call her back. But I looked up the CFPB to call and it is closed and the number is different.
Consumer complaint received 2023-02-22
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. (OH)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check this account ( A ). It is unacceptable to list this account as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2018-10-21
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (ME)

I had enrolled in paperless statements and had been receiving statements via email up to and including XX/XX/2018. Did not receive any statements for XX/XX/XXXX or XX/XX/XXXX,  thereby incurring late fees. Synchrony wrote off XX/XX/XXXX 's late fees, but not XX/XX/XXXX even though I complained to them that I was not receiving their emails. I totally believe that Synchrony is doing this intentionally to collect late fee monies.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NEW YORK COMMUNITY BANCORP INC (MI)

This account is a result of fraudulent activity. This account was excessively over charged overdraft fees and duplicate unauthorized transactions. The company is using a third party that I have no contract with to call me, send letters and add adverse information on my credit report. These companies together has caused me financial and emotional distress. This account has caused me to financially scared causing me to be denied credit and or charged higher interest rates with low tier creditors.
Consumer complaint received 2023-04-23
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. (TX)

HERE IS MY REPORT OF IDENTITY THEFT AND FRAUD I would like everything that i have asked for be removed since i have provided the requested information, and they did not have my written permission to furnish my consumer report, and do not have the right to report this unlawful incorrect information. A written consent as of the " FCRA '' I never gave written consent to any of those accounts.
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. (IL)

Dear Madam/Sir, I would like to address this concern to Transunion and XXXX 's agency for the second time because I needed this one remaining fraudulent account to be taken off of my credit report. I have already informed these agencies in my previous letter that someone has made a transaction with this account that made use of my identity to which I have no knowledge about. This was already reported back in XXXX  and I was expecting that this will be resolved immediately. 

XXXX XXXX XXXX -- -- -- -- -- -- Account # : XXXX XXXX has already DELETED this account from their record back in XXXX, and I trust that all consumer reporting agencies are only reporting to one furnisher of information. I dont understand the miscommunications and the disconnections here between them and the furnisher. Why has XXXX been able to deal with this matter yet these other 2 credit bureaus was not able to fulfill the duty to remove a fraud item? They just literally closed my filed complaint and XXXX just sent me their default system-generated result.
Consumer complaint received 2023-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have made inquiries without my authorization. This has negatively affected my score.
Consumer complaint received 2023-11-20
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. (IL)

I am writing to dispute the validity of the debt associated with the accounts reportedby XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to the credit reportingagencies. I have strong reason to believe that this alleged debts is fraudulent, and itsinclusion in my credit report is both inaccurate and damaging to my creditworthiness.As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit ReportingAct ( FCRA ), I am entitled to receive validation and verification of this debt uponrequest. I hereby request that you provide me with all necessary documentationvalidating the debt, including a copy of the original contract or agreement, anystatements reflecting my obligation, and the chain of ownership demonstrating howyou acquired the alleged debts. All accounts listed in Identitytheft are opened not byme and follow the law must be removed from credit report immediately. Furthermore, I request that you cease all collection activities related to this account until you haveprovided the required validation. Any failure to comply with this request within thestipulated timeframe may result in legal action, including but not limited to a lawsuitfor violations of the FDCPA and FCRA. Please be advised that I am aware of my rightsunder the FDCPA and FCRA and will not hesitate to pursue legal recourse ifnecessary. Additionally, I have already filed a report with the Federal TradeCommission ( FTC ) and law agency regarding this fraudulent account.
Consumer complaint received 2017-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (CA)

This account Westlake financial is supposed to be closed, it 's a charge off. I 'm disputing it for not being my account, they say I 'm a cosigner in a auto loan. I asked them for a copy of the contract with my signature, under the fair credit reporting act, although what they 're trying to do is past the statute of limitations. As I requested before I want a copy of the invoice/contract with my signature.they or XXXX just recently opened this account for no reason but to lower my credit score by almost 40 or more points on purpose. The statute of limitations on this account is four years which is over but if they want to keep reporting this erroneous information, I need to see that contract by law.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

TransUnion is reporting different credit scores for my account. All other credit reporting agencies scores are higher. TransUnion needs to investigate everything on my account and adjust my score. One credit score is listed as XXXX and one is listed as XXXX which is keeping me from renting. My other credit scores at other reporting agencies are in the 600 's. Please verify all the things on my credit report and adjust my score across the board.
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (MN)

I filed a complain already with the creditor and CFPB so far there is no resolution. 
I reported fraudalent charges for my Business credit AMERICAN EXPRESS card back in XXXX there was charges for XXXX posted on XXXX 4 times total of {$4100.00} plus XXXX fees 4 times as well total {$150.00} plus interest fee and late fee. I have call 10 times from XXXX and NO ONE can help me. Everytime I call they stated I am sorry but the case was not file but i will file this claim for you I apologize and ON AND ON. My account now is past due and collections from American Express is requesting me the payments. I called customer services again and now i am asking for names and ID employee numbers, there is no resolution. I called I spoke with XXXX XXXX id XXXX and give me a case # XXXX Again I am sorry for this problem. No one even have this charges on dispute, I called again back in XXXX and I spoke with XXXX and she promise me she spoke with the fraud team and they will give me all the credits in 24-48 hrs. Guess what NOTHING I received a phone call from collections again. This is terrible, I DONT KNOW what to do anymore. I asked customer services why the charges are not even in dispute? how this is going to be reported on my credit bureau? NO one knows. This is not a joke that is what they told me. Plus when I open this credit card back in XXXX it was a promotion for 18 months no interest. Guess what they charge me interest fee back in XXXX And XXXX I called and they told me they will take care this. WELL NOTHING. I need help please I am only asking remove the fraudalent charges and updated my balance so i can pay my balance. 

Today is XXXX and American Express have not resolved my fraud case. From XXXX to XXXX I had call the company ove 50 times and they just keeping telling me I will refer this information to the fraud team can not transfer you there because they dont acept calls. I requested to talk to the manager and they told me the line is so busy and offer me a call back in 30 mins other 2 biz days. They dont even know what is happening why this case have not resolved yet. NO ONE KNOWS NOTHING. My last call was 2 weeks ago and this representative told me there is no claim with this charges, i see the notes about you calling in regards this fraud charges but we have never filed this claim for this charges. I wanted to cry NO KIDDING I didnt wanted to ask anything I am done with this company. The worse worse services. He told me a manager will call me back in 30 or 40 mins WELL so far no one has been caling me. ONLY COLLECTION CALL. Everyday. PLEASE PLEASE someone help me with this terrible situation.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-20
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. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2023 I called TransUnion and asked what was the update on removing XXXX XXXX XXXXXXXX reference number XXXX for my consumer file. I was told by XXXX that I was being denied the information. 

Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

If the banking system is depended upon fair and accurate credit reporting, what's fair about XXXX from TransUnion telling me that he can not provide the information of the third vendor that has verify this Bankruptcy that is reporting with only TransUnion. I have informed TransUnion numerous times that this Bankruptcy needs to be removed from my consumer file. I have provided numerous documentation and TransUnion has failed me as a consumer in regards to reporting accurate information. 

I then called XXXX and spoke with XXXX. I informed her that I spoke with a TransUnion rep today and he stated that XXXX verify this bankruptcy as accurate. XXXX pulled my filed and stated that its no bankruptcy reporting on their end and that they did a manual dispute with TransUnion on XX/XX/2023 and the result were just mailed out to me on XX/XX/2023 and I should get them and XXXX to XXXX business days. She also stated that she didn't heard anything back from TransUnion. Interesting thing is the TransUnion rep stated that XXXX verify the Bankruptcy. I am being mislead by these two Entities. XXXX and TransUnion are working together to ruin my credit worthiness. I feel I am being bully and lied too and I don't like it. I have been informing them for a year now and nothing has been done. TransUnion nor XXXX does not care about the rights and privacy of consumers. They are misusing their power that was given under regulation. It's not fair to continue to ruin a consumer file when proof has been provided. 

Please Help.