davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THESE ACCOUNT : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I was never late on this account listed above. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
+ Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. XX/XX/year> Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud
Consumer complaint received 2024-11-04
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. (VA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

Hello, I've have been trying to submit my information for MONTHS now to Equifax. I have sent it several times via FAX and Mail. Every time I've tried to pull my credit I have not been able to because they have an address from years ago. 

Okay, so I've called them several times to try and fix it. I have taken 2 days now trying to get some resolution but none has been made. they've just been referring me over to people after people where I have to re explain everything over and over. Taken in mind I've sent them my paperwork now several times. They still state they have nothing and only have my information from years ago yet the other Credit Bureaus have everything just fine. They have given me a claim number but still they say they have nothing. I contact my Mortgage Bankers and they state that they've sent them my mortgage balance every month on the XXXX however that there is no address. They have acknowledged that they are receiving my payments but still do not have any of my current paperwork. I spoke to their supervisor and STILL they say I can submit them online. I go online and yet I get told this from one of their online techs ; XXXX XXXX ( XX/XX/2018, XXXX XXXX  ) : In order to update information on the credit file it has to be send via mail or Fax. 
Me ( XX/XX/2018, XXXX XXXX  ) : I already sent it both ways 5 times!!!!!!!!!!! I just got off the phone with your supervisor XXXX referring me to do it here online because you guys have lost all my copies Me ( XX/XX/2018, XXXX XXXX  ) : So did your supervisor lie? 
Me ( XX/XX/2018, XXXX XXXX ) : I'm done wasting my time and playing games Me ( XX/XX/2018, XXXX XXXX ) : are you stating there is zero way to upload proof of my documents via your website? 
XXXX XXXX ( XX/XX/2018, XXXX XXXX ) : As We mention before since we are speaking regarding change information of your Equifax Credit Report, the information need to be send via fax or U.S mail. 
Me ( XX/XX/2018, XXXX XXXX ) : So you are telling me that is NOT possible to send my documents via online yes or no?! 
XXXX XXXX ( XX/XX/2018, XXXX XXXX ) : Regrettably, no in order to update Equifax Credit Report, the information need to be send via fax or U.S mail. 

I have done what they have asked several times and yet they are still playing games and wasting more of my time. I want to know who I need to speak with or be referred to about filling a major complaint against this Credit Bureau.
Consumer complaint received 2018-04-23
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

XXXX XXXX XXXX XXXXXXXX ( XXXX ) is in violation of : Using any false, deceptive, or misleading representation or means in connection with the collection of any debt, in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, including but not limited to : ( 1 ) falsely representing the character, amount, or legal status of a debt, or any services rendered or compensation which may be lawfully received by a debt collector for collection of a debt, in violation of Sections 807 ( 2 ) ( A ) and ( B ) of the FDCPA,15 U.S.C. I692e ( 2 ) ( A ) and ( B ). On XX/XX/XXXX, I received a Notice of Default - Right to Cure notice from XXXX in the amount of {$10000.00} for account # XXXX. On XX/XX/XXXX, I received a notice from XXXX stating that they would be force placing hazard insurance on my deceased parent 's home. Specifically they state, " Because hazard insurance is required on your property, we plan to buy insurance for your property. '' In addition, on XX/XX/XXXX they ordered ( order # XXXX ) and conducted a Broker Price Opinion ( BPO ) on my deceased parent 's home without conducting due diligence or authorization. I have repeatedly told XXXX the security interest they are allegedly servicing, and is legally described in the note and mortgage is not my deceased parent 's home. My deceased parent 's home, per tax records ( attached ) and Deed, is located at Rt. XXXX XXXX XXXX, XXXX, New York. The property 's legal description is codified in Deed XXXX XXXX, dated XXXX in the XXXX XXXX XXXX XXXX. XXXX is erroneously attempting to foreclose on this property. The property legally described in the note and mortgage is codified in Deed XXXX, dated XXXX and is associated with recorded mortgages : XXXX, XXXX and XXXX, all of which are recorded in the XXXX XXXX Land Records. See attached property map. XXXX refuses to acknowledge the truth and continues to pursue collection on the wrong property. They repeatedly state that they are servicing the account per the note and mortgage. They are not. I have provided proof that they are in fact incorrect.
Consumer complaint received 2018-04-23
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: Experian Information Solutions Inc. (DC)

I have reached out to the bureaus several times to fix these inaccurate collections on my account that are not mine, and via sect 609 of the FCRA, the bureaus have not proven belong to me. Many of these  collection agencies are also not licensed and bonded to collect in their state, yet they keep reaching out to me for payment and also are affecting my ability to get a home.
Consumer complaint received 2018-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (TX)

Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. I sent a Creditors Validation letter to Credit Protection Association LP on XXXX. Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. Credit Protection Association LP claims I owe a debt from an Grande Communication that I actually left on my given time. I had my Personal Financial Consultant XXXX XXXX to speak on my behalf with them as well. I sent a legal authorization form to them as required. I sent them a letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case, the debt was validated in thirty days ( 30 ) by Credit Protection Association LP. Therefore, by the FDCPA that Credit Protection Association LP was not able to prove that I signed a renewal lease. So, Credit Protection Association LP was supposed to inform me and XXXX XXXX that they are removing themselves from my credit report for not being able to validate the debt. I have my XXXX XXXX Consultant XXXX XXXX to speak on my Behalf with them and record all the calls on my behalf. Under the State of Texas Recording Law and Credit Protection Association LP agreed to the recording by accepting my authorization letter signed by me giving XXXX XXXX XXXX authority to speak on my behalf. As you going to see the letter state that all calls will be recorded on my behalf. I am going to provide the recording, the creditor 's validation letter, the mailing dates they received the letter. Now, according to the FDCPA that is the Fair Debt Collection Practice Act the collection company has thirty days ( 30 ) to respond to the letter. No one has made an attempt to call are send me a letter stating that they have validated the debt nor have the ceased all collection efforts because they can't validate the debt. According to the FDCPA, a collection company must cease all collection efforts and remove themselves from the consumer credit report if they can't validate the debt ; unfortunately, Credit Protection Association LP is not abiding by the FDCPA. At, this time I like for an investigation to be started for the removal of Credit Protection Association LP from my credit report. I am going to provide all my evidence to my case.
Consumer complaint received 2018-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

Account showing a delinquent or past due at some point I called XXXX and told them that I never received a billing statement for that month I have never been late on payments they told me not a problem don't worry your ok if you make the payment today which I did at the time it happened come to find out this has been a hard hit on my credit score for months almost a year.
Consumer complaint received 2018-04-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a dispute with Trans Union complaint # XXXX, around XX/XX/XXXX, about reporting a derogatory condition on my XXXX XXXX Mortgage account. This account is not derogatory, I have letters from XXXX XXXX stating that this account is not derogatory and a copy of these letters was sent to all three credit reporting agencies the letter is dated XX/XX/XXXX. On XX/XX/XXXX I called ( XXXX XXXX ) to try to get them to correct their mistake, I get routed to call ( XXXX ) the rep there says there is no derogatory account reporting on my credit report and they route my call back to XXXX who says they can not correct it.
Consumer complaint received 2016-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion has not conducted a thorough investigation my inaccurate accounts on my credit file with them. The accounts has very inaccurate items reporting that are not and could not have been verified. They need send me proof or I will be forced to file a small claims suit and FTC complaint. I am writing through my own due diligence and telling me that the verbiage of my complaint sounds like something I would n't write is an insult and will be noted as a stall tactic to not conduct a proper investigation. Attached is my identification to show that it is me. This is for file number XXXX Dated XXXX XXXX, 2016
Consumer complaint received 2018-04-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BB&T CORPORATION (TX)

BB & T was unable to close at the date/time committed to in writing, which resulted in financial harm to me. More specificially, 1 ) BB & T 's loan officer committed to me in writing that I would receive a check for {$1500.00} as a refund of appraisal costs. The relevant portion of his email to me reads : " The refund for your appraisal costs has also been approved by regional management. The refund for the appraisal will be sent out in the form of a check via overnight mail once your loan has closed. '' After my loan closed, BB & T has refused to reimburse this cost, as promised. 

2 ) BB & T committed ( again, in writing ) to reimburse me for additional monetary damages I suffered as a result of their delay. I provided detailed written documentation of these damages, amounting to {$2000.00}. However, BB & T has ignored my communications, providing nothing in response. Therefore, BB & T owes me a total of {$3500.00} that they have committed in writing to paying, all of which has been clearly documented. Instead, they are ignoring my communications and refusing to pay.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

Re : XXXX XXXX XXXX XXXX XXXX ; {$190.00} Balance This account in collections with XXXX XXXX XXXX is a medical bill that was already paid by my SECONDARY health insurance and violates the 180 day reporting of medical bills on credit files. The original debt collector and XXXX XXXX   XXXX have not made effort to contact me about this debt. I ask that this account be removed from my credit file immediately for violating the 180 days agreed upon by three credit reporting agencies and the New York attorney general in XX/XX/2015. I dispute that this medical bill was paid by my secondary health insurance and there was no attempt by XXXX XXXX XXXX XXXX XXXX to collect.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Re : XXXX XXXX XXXX XXXX XXXX ; {$190.00} Balance This account in collections with XXXX XXXX XXXX is a medical bill that was already paid by my SECONDARY health insurance and violates the 180 day reporting of medical bills on credit files. The original debt collector and XXXX XXXX   XXXX have not made effort to contact me about this debt. I ask that this account be removed from my credit file immediately for violating the 180 days agreed upon by three credit reporting agencies and the New York attorney general inXX/XX/2015. I dispute that this medical bill was paid by my secondary health insurance and there was no attempt by XXXX XXXX  XXXX XXXX XXXX to collect.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

First, I attempted to register with XXXX so I could monitor my credit but I was unable to successfully register due to " incorrect information '' error. Later, I attempted to get my credit reports from annualcreditreport.com. This too was unsuccessful and I fear that the credit bureaus may have my information wrong. 
Attached are documents regarding my identification. 
Thank you
Consumer complaint received 2018-04-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I applied for HSBC checking account on XX/XX/XXXX. I received email on XX/XX/XXXX that my application was approved. 

I applied because HSBC was adverting on XXXX and other websites that I can get {$350.00} dollars if I : Deposit a minimum qualifying balance of {$10000.00} or more in new money in combined checking and savings accounts within 30 calendar days of account opening and Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance I completed both requirements but I did not receive promised {$350.00} bonus. 

I called several times customer service and also email them and chat through there online website, but so far they completely ignore my requests for bonus. 

I called XX/XX/XXXX and the hsbc person promised to send my complain to back office and told me someone will get back to me from back office. When I called back 2 weeks later on XX/XX/XXXX the new customer service told me that previous customer service did not make any notes about my complain and back office do not call customers, that she lied. 

Now it been 2 more weeks after I made new complain and no reply to me not receiving promised {$350.00} bonus. 


Also it took them 2 months to send me debit card because according email they send me : " Dear XXXX XXXX, Thank you for submitting an online application with HSBC Bank USA, N.A. 

Between XX/XX/XXXX and XX/XX/XXXX, HSBC experienced an application error that resulted in your ATM or Debit card selection to be missing from your application. We are contacting you as your application was impacted. '' Also they were withholding taxes from monthly interest, I had to go to branch to correct that. 

HSBC should be investigated for their online applications system not working properly and not giving promised bones for opening new checking accounts.
Consumer complaint received 2016-09-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (OH)

A debt collection agency, MCM Midland Credit Management Inc, is continuing to try to collect a debt that my bank deemed to be fraud. I called the debt collection agency and explained the issue ( below ) to them and informed them that they were trying to collect a debt that was determined to be fraud by my bank. They stated that they only work for the company that hired them, and they refused to stop sending me collection notices. It has been 1-year, and they still refuse to stop sending notices. The fraudulent and unpaid bill is also listed on my credit score.n Original Creditor is listed as " XXXX XXXX XXXX Bank and MCM Acct # XXXX for amount {$270.00}. I have done my best, and they apparently have no intention of stopping the efforts to collect something. 

What happened : A friend 's XXXX-year-old daughter ordered " Beauty Cream '' for me with my credit card. I called the company within 10 minutes, and they claimed to have no record of the order. Then I received several charges on my credit card from different companies for the same order. I contacted my bank who determined that this was fraud, and prompted blocked all charges and refunded the money. It took me working with the bank for 3 months to stop all the charges since each time there was a different company name on the charge. Right after that is when I started getting the debt collection notices. I called the debt collection agency who refused to stop trying to collect even after I informed them that it was fraud.
Consumer complaint received 2018-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (AZ)

I provide XXXX XXXX  and get paid via credit card. Before I accepted the payments, I called my credit card issuers and asked them what is the safest way to get paid and not worry about fraud, as in the past when I got paid by checks, the checks bounced. So I wasclearly instructed not to give any card or banking information. I was told to take the company banking info for payment with a written authorisation to process the payments. I followed the instructions step by step, received the payments, and four and an half months later the credit card companies ( 3 of them ) say that the payments were reversed and that I have to pay back the balance, as it is not their problem to collect the original funds. I called many times and attempted to explain that there is a written authorisation for the mentioned transaction, and that I followed their instructions on payment but they refuse to help and now my credit is getting badly hit. I don't know what else to do. Thank you for your attention to this matter
Consumer complaint received 2018-04-23
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. (NY)

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these XXXXXXXX XXXX XXXX XXXX XXXX mentioned accounts.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (TN)

Well i have over 26 Hard Inquirys and some of them are doubled or trippled.

now some of them I did not give permission to do a hard inquirys, I would like them taken off my Credit Report, I just did not know how to do it.