davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Herbert P. Sears Co., Inc. (CA)

The Account : Hp Sears, Account Number XXXXXXXX Report Number : XXXX reporting on my credit report as a collections. 

I have no knowledge of this particular account I did not received any letter information or phone call pertaining to this inquiry .The are multiple errors in their information about this account.
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: General Information Services, Inc (IN)

A misdemeanor charge I have out of Illinois is being reported as a felony on a background check. The Company GIS/ XXXX XXXX told me today XX/XX/2019 that on XX/XX/2019 they spoke to a Circuit clerk out of XXXX XXXX Illinois and were told that the charge was a felony which is a false. Ive spoke to the clerk three times this week and and they have stated that it is a class a misdemeanor and also send me Docket information and other reports Pertaining to my case that states it as well. Ive disputed this two times.
Consumer complaint received 2019-10-18
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)

XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2024-11-18
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. (CA)

It is my personal statement that the inquiries that i have listed are fraudulent and need to be deleted pursuant to 15 USC 1681c-2. Also, Pursuant to 15 USC 1681e ( b ) you must maintain accurate records on my credit file at all time. Please update my personal information to reflect accurate records only. 
DELETE ADDED INQUIRIES : XXXX  XXXX XXXX XX/XX/23, XXXX XX/XX/23, XXXX XX/XX/23, XXXXXXXX XXXX XXXXXXXX XX/XX/23, XXXX XXXX XX/XX/23, XXXX XXXX XXXXXXXX XX/XX/23, XXXX XXXX XXXXXXXX XX/XX/23, XXXX XX/XX/23, XXXX XX/XX/23. ( XXXX ) ADD ACCURATE ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX. DELETE PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX CA XXXX. DELETE INACCURATE EMPLOYER : XXXX XXXX XXXX. 

Please see attached identity theft report.
Consumer complaint received 2024-11-18
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. (MI)

I was made aware of a huge decrease in my credit score, after looking into all three credit bureaus I noticed an account that was incorrectly reported as an adverse account on Transunion. I disputed it and was told it was updated and was a satisfactory account and has been reported as paid as agreed/never late. I also called the credit lender for the account and was told that there was never a late payment on the account, they had reported this to Transunion on the dispute I filed and told me to wait up to two months for them to update the information. I also called Transunion for information and they told me I had XXXX accounts with late payments and every account was satisfactory. XXXX is also reporting that I have one account that has a late payment of over 60 days, yet when I call them and look over my entire credit report, there is no account with a late payment and they tell me they can't help me because they don't see this delinquent account. I also called FICO and requested my scores and information from each bureau, and XXXX shows XXXX late accounts, and XXXX and Transunion both show one account with a late payment, but can not tell me what account as when they look in their records, there isn't XXXX. This is severely hurting my credit score and hurting me financially, and no one seems to know where this inaccurate information is coming from. I was also told by XXXX to call a financial advisor, which I did, and they did not have any advice on what to do either. I also contacted a lawyer who told me to file a complaint, and then possibly sue.
Consumer complaint received 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I was made aware of some accounts on my credit report that do not belong to me ; I found out about these accounts because today XX/XX/2019, I applied for a loan and I was not approved due to these accounts that are reflecting badly on my credit. I did not open any of those accounts and I did not give anyone permission to open those accounts in my name. I'm still trying to figure out who is responsible for opening these accounts without my permission and I have already filed a police report. I did not benefit anything such as money, goods, services or any other benefit from these accounts that were opened without my consent. I do not have any contract or agreement with any of those companies nor am I affiliated to them in any way. There is also a Bankruptcy on my credit that was clerically filed in error. It belongs to someone with a similar name.
Consumer complaint received 2019-10-18
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (NJ)

The first time I have ever received a phone call from IQ Data International, it was regarding a bill from an apartment from 5 years ago so I was completely shocked and not familiar with the account. This apartment I broke the lease in 2015 due to my youngest brothers passing due to XXXX XXXX, I wrote a formal letter to the apartment complex in advance to let them know I was relocating back to my hometown. The lady called me broke, told me I was a liar, threatened to call my mother ( co-signer ). I had an XXXX XXXX and have been very shaken when this company calls my phone. Today, I received another phone call to follow up from me calling in yesterday to get more information on the account ( which I am planning to handle ) again, I was spoken down to, threatened and leaving work because of my XXXX again.
Consumer complaint received 2022-10-27
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. (NV)

Im submitting a complaint to you today to inform you that this unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, Bankruptcy XXXX XXXX Discharged XXXX Date Filed XX/XX/XXXX XXXX
Consumer complaint received 2024-08-30
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. (GA)

The consumer reporting agencies XXXX, transunion, and XXXX has lower my credit score because of late payments and utilization rate and unauthorized remarks which i never gave a written consent to be On my report and they are not authorized to move or jmpact my credit without my witten consent and is acting on behalf of a principal and is not the principal or fiduciary of My estate or trust and can now show proof in law where they can impact my score because of utilization or late payments where it is not mention in law it is not my job to teach workers about the law it is their duty to fulfill their oath. 

I RESERVE ALL RIGHTS WITHOUT PREJUDICE PURSUIT TO 15 USC1-308
Consumer complaint received 2019-10-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2019, I noticed fraudulent activity on one of my XXXX credit card accounts. I filed a dispute with XXXX and they were able to resolve the issue. Because I was a victim of identity theft, I filed an Identity Theft Report with the FTC noting fraudulent activity on my credit card account. As a victim of identity theft, I am entitled to place an extended fraud alert on my credit report and send in the required documentation to Transunion to do so. Upon sending my request in to Transunion for an extended fraud alert, Transunion, on their own accord, without asking me, sent a dispute investigation for fraud to XXXX. Because of the dispute investigation sent to XXXX, XXXX automatically closed my entire credit card account. XXXX stated that they closed the account because the dispute investigation sent by Transunion stated that it was a fraudulent account. This is not the case. The identity theft report that I filed and the personal statement on the report clearly states that I experienced fraudulent activity on my account, not that the entire account was fraudulent. XXXX will not reinstate the account unless Transunion retracts the fraud dispute investigation. Transunion is stating that they can not retract the fraud dispute investigation and that XXXX has the ability to re-report the account on my credit report. It seems that Transunion made an error by sending a dispute investigation to XXXX without my permission and without due cause. If you review the personal statement on my identity theft report, it clearly states that I was reporting fraudulent activity on my account, not that the account in itself was fraudulent. Now I am stuck in the middle with both agencies ( XXXX and Transunion ) saying that they can not do anything further. Re-opening the account is of importance to me because the account that was closed has over 262,000 rewards points attached to it. Since the account was closed without any notice to me, I have essentially lost XXXX reward points and can not reclaim the points unless the account is re-opened. Further, the account has been open since XX/XX/XXXX and paid in full each month. If the entire account was fraudulent, I would have reported it as so much earlier and I would not have paid off any of the balances on this account.
Consumer complaint received 2018-07-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: Bread Financial Holdings, Inc. (AR)

I HAVE TWO OPEN WITH XXXX XXXX XXXX, XXXX NO.XXXX AND HSN NO.XXXX NOW SHOULD BE OPEN, PAYING AS AGREDD, NEVER LATE. BOTH ACCOUNTS WERE PAID IN FULL IN XX/XX/XXXX VIA ACCOUNT ASSURE. I EXCLUDED BOTH ACCOUNTS FROM BANKRUPTCY DISCHARGED XX/XX/XXXX. ALL CREDIT REPORTS SHOULD REFLECT THE SAME. I STILL HAVE BOTH CARDS. 

PLEASE HELP.
Consumer complaint received 2019-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (NY)

On XX/XX/19 I went to see a financial counselor to assist me with a fraudulent account that was reporting on my credit report. We were able to contact Security Credit Services which is the debt collector with the account. The representative gave us the steps to take to resolve this issue : 1. File a police report 2. Complete an Affidavit for forgery and have it notarize 3. Mail out copy of ID 4. Mail to XXXX, all which I did on XX/XX/19. The representative said that I should hear back from Security Credit Services in about a week. I had not heard back so on XX/XX/19 I called back and spoke with a representative, after confirming the account number and reviewing the documents we emailed the representative confirmed that the account was closed due to fraud. She went on to email me a letter stating " Our records indicate that the account referenced above has been closed due to fraud. A request has been submitted to have this account deleted from XXXX, XXXX and XXXX. The update may take up to 30 ( thirty ) days. '' I went on to contact all three credit bureaus to confirm that the account had been removed from my credit report and until this day only XXXX  has removed the account. I went on to dispute this and have yet to get the account off my XXXX   and XXXX credit reports.
Consumer complaint received 2019-09-16
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CO)

On XX/XX/2019 I contacted Amerisave to ask how long I had to be in my current FHA loan before I could refinance. I was told " 6 months. '' Told that representative I was at work and couldn't talk at the time. XXXX XXXX called me after XXXX MST to go over the requirements. She knew it was a current FHA loan but said " Its fine we can proceed. '' questions and " approval '' took hours and led into more communication on XX/XX/2019. She stated she'd worked out all of the numbers and that I'd just need to pay the Application fee. Once application was complete, my current lender reached out to me stating the whole application was invalid based on FHA 's strict guidelines that the loan had to be over 12 months old to apply for a refi. I then attempted to call XXXX XXXX, Amerisave and XXXX 's Manager.  No on was ever available to help again. I am just requesting my {$500.00} application fee be returned based on the fact that I proactively called asking about the guidelines to the " professionals '' who should have known the lending guidelines. I have no desire to work with this company in the future ever again and would just like my funds returned.
Consumer complaint received 2019-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that JPMCB CARD has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Total Card, Inc. (FL)

I received a vm from total visa stating i was behind on payments. After logging in to my account i found out i was behind. Total visa failed to provide me with a bill or any statement since febuary 2019. When i called to ask why i didnt receive a statement by mail or email. I was informed my account was suspended. When i asked why they said bc my mail was returned. So i asked why they didnt contact me and i wasnt given an adequate response. My next question was if my account is suspended how am i being charged an annual fee? Response : thats just how it works youre suppose to keep up with your own bills. Ok ... why wasnt i informed by mail, email, or call. I cant pay a bill youre not sending me statements for. So on top of the annual fee i was charged a late fee and interest on that late fee. I payed the annual fee but told them i should not be responsible for any other fees occurred bc of their failure to provide me with a statement or bill. I was told it would be sent for review to have charges removed. Never heard anything from them. Im still racking up interest on the remaining balance and they refuse to help. Ive since requested my account to be closed bc i made the payment and its not closed. The is unacceptable business practice. Ive only used this card once and every payment has been on time, except when they decided to not inform me of charges occurred. After speaking with them i still have yet to receive anything by mail. My address is the same it never changed.
Consumer complaint received 2019-10-18
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. (TX)

There is a mortgage that is reporting with XXXX XXXX XXXX that has been closed for over 10 years. For some reason it continues to report and reports as opened. This is not an active account. It's been disputed several times and it still is not resolved.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I have several businesses that have taken me into a deep XXXX. I started working on my credit last XX/XX/XXXX and have gotten my record pretty accurate. I got my first credit card in XX/XX/XXXX and it was in good standing up till XX/XX/XXXX when XXXX XXXX decides to close the account at no real logical explanation. XX/XX/XXXX I opened a XXXX XXXX account and during our business relationship we had some major communication issues and XXXX belittled me up until XX/XX/XXXX when I was notified they no longer want to do business with me! Both accounts were somehow involved with a XXXX fraud account that had applied these two to the fraudulent accounts and was debiting tedious amounts that took some months to notice. I contacted XXXX in XX/XX/XXXX to advise them of the fraud accounts and XXXX alleged to investigate the events and take action. I made several calls up to date and the accounts still reflect in my name. I dont understand why Im being done like this. I call and made complaints with all of them and have documented proof. I was part of the XXXX data breach and possibly the XXXX XXXX yet they do not care that this is not my fault. I can not get a bank account because allegedly Im in XXXX XXXX but the report I got from said XXXX XXXX does not reflect much that renders that decision. Im so terribly confused at the turn of events and the level of treatment I have received. I just learned I was also part of the XXXX data breach from XXXX and was never notified. I have been on top of my credit and these listed accounts and they have dismissed me with no explanation that could help me fix the issue or offer up logical explanation. I have written cfpb and called FTC filed a identity theft report and offered it when necessary. Hand in hand these financial agencies have black listed me and shamed my name for what seems to me what is called a risk factor that I had nothing to do with. They all claim to have fraud prevention liability ect. Im a victim of that Fraud they speak of and they show no sympathy even if possibly at fault. I can not get a credit card for the life of me. I have been postponed starting college do to all this stress and confusion. The literature I have read in these regards is mind blowing conspiracy type incidents. Cupful explains they hold the rights to do what is listed above. What happen to our rights that clearly hold no purpose when exercised? Trust? Act? Privacy? The rights to be heard? The right to know whats being used against me on file? In the USA we call it the land of the free and our constitutional rights are implemented to help us remember! Why and to whom? This is all so pathetic and I truly believe this is rigged to keep poverty where we come from wow how rude!