davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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

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

I demand the late payment reported in to be removed.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Consumer complaint received 2015-04-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Dear Sir or Madam : I am writing to file a complaint against HSBC Bank, NA for failing to provide me with a service routinely available to its richer clients. 

XXXX What HappenedThe service is a medallion signature guarantee - in effect, a stamp from a bank or other financial institution that guarantees my signature, and has checked my ID to confirm that I am who I say I am. The bank is guaranteeing that I am not forging someone else 's signature, and will accept liability if somehow the signature turns out to be a forgery. 

Because a bank generally wo n't issue this guarantee to someone they do n't know, it 's best to obtain a signature guarantee from a bank or brokerage firm with which you do business. 

In my case, that 's HSBC. I have been a customer of HSBC for many years, and have a checking account there. ( I also have used HSBC for a business account for my small private business, which is no longer operating. ) I have lived in XXXX at the same address for almost XXXX years ( we own our house ) I am employed, and I pay my bills. 

Recently, my father has XXXX, and both he and my mother have signed power of attorney over to me. ( My father 's XXXX faculties are still acute, but XXXX ) They live in XXXX I live in XXXX. I have power of attorney over their bank accounts at XXXX Bank. 

My parents are not customers of HSBC bank. I am. 

And as a long-time HSBC customer, I expected the bank to guarantee my signature -- I came prepared with the signed, witnessed and notarized power of attorney docs, my XXXX state driver 's license and my XXXX passport, as well as the XXXX request for a signature guarantee. 

After some confusion -- the account executives at the branch on XXXX XXXX, XXXX XXXX did not what a medallion signature guarantee is -- the bank refused me this service after calling someone in operations in XXXX. XXXX in XXXX, who was also unfamiliar with the signature guarantee medallion, declined to provide this service because I was not transferring securities. 

It 's true that I am not transferring securities within HSBC, but I will be transferring securities as an agent for my parents ' financial affairs. 

There is probably no law that compels HSBC to issue the stamp. But this type of service is routinely provided to banks ' and brokerage firm customers as a courtesy. 

I can only conclude that HSBC is withholding this service because I am not a rich enough customer. 
Desired resolutionI want someone from the bank in the greater XXXX area or XXXX to issue a medallion signature guarantee ( guaranteeing my signature ) so that I can complete the process of becoming agents with power of attorney to my aging parents. 

Thanks for your prompt attention to this matter.
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (OR)

I have disputed the same information with another credit bureau and got a timely response and items deleted, however, this credit bureau has not responded even though I sent the request by certified mail and I have proof of receipt date 42 days ago. This has caused me to be denied for credit, has prevented me from obtaining additional employment and has caused great strain on my health and well being.
Consumer complaint received 2015-12-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Debt Recovery Solutions, LLC (KY)

XXXX The company got this debt from XXXX. I asked a for copy of the original bill from XXXX and was told that I would recieve it in 6-7 weeks because it was in a storage warehouse somewhere. That was XXXX XXXX XXXX and today is XXXX XXXX XXXX and I called to ask why I never recieved anything. I was told that it was sent to the wrong address, however she had my current address and saw notes from the XXXX XXXX conversation when I confirmed that they had the correct address. XXXX this debt is from XXXX from an account that the time I disconnected due to moving. I gave XXXX a forwarding address to send a box for me to send back the equipment however I never recieved that box until XXXX of XXXX. I sent back the equipment and recieved XXXX refund checks for overpayment. And in a statement I recieved from XXXX on XXXX XXXX XXXX I recieved a " Revised Final Bill '' and amount due was {$.00}. That same statement shows XXXX of the refunds. So this debt they 're trying to collect which XXXX itself told me didnt exist was already taken care of before being reported to the current collection agency. This account charged off in XXXX and was reopened in XXXX. My credit score has severely suffered and affected my ability to buy a home and recieve a good interest rate on anything else. I have original document from XXXX and even have the original order number show what services I ordered. The only excuse the collector gave me is saying that I had XXXX accounts with XXXX indicating that i had separate services when my original purchase order and ALL documentation I have shows " XXXX Triple Play '' and only XXXX account number which does n't match the XXXX on the collection notice.
Consumer complaint received 2024-11-13
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. (MO)

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 3rd party. They in fact did not come from a 3rd 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 2024-11-11
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. (LA)

Around XX/XX/year>, my personal computer was hacked, I recently decided to pull my credit reports and noticed some one opened several new credit accounts using my name, social security, or other identifying information. I have no idea who may of used my personal information or how this information was obtained. I have disputed several and was successful in getting some of them removed. They reinserted the accounts without any notification. I have provided them a copy of the police report and FTC complaint.
Consumer complaint received 2015-11-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AL)

Someone stole my Identity in 2014. I filed a police report. Many creditors took action to fix the situations that arose. But XXXX collector is pursuing me for a supposed apartment rental I did NOT rent in ANOTHER STATE, EVEN AFTER I SENT THEM THE STANDARD LETTER FROM THE FTC as the FTC advises. 

The dead give-away is that they always have my name wrong, as is the case with this collector ( Fair Collections & Outsourcing , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD. XXXX XXXX www.fco.com ). 

They keep telling me I need to complete their form which asks for a litany of my personal information that THEY ARE NOT PRIVILEGED TO. 

I even included a copy of my police report with the standard FTC letter. THEY REPORTED ME TO THE CREDIT BUREAUS!!! 

How is this allowed when they do NOT even have my name correct and I 've provided proof of identity theft?
Consumer complaint received 2015-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I saw incorrect info on my credit report about two years ago and filed a complaint. I stated that the time I was supposed to have applied for a credit card, I was living XXXX, but if I had been sleepwalking ( or flying ) they should show me where I signed. They did not answer or take the info from my report. I filed another report after many months and again they did n't react, So, here I am again. I recently applied for dental financing and was turned down. They sent me Trans Union address to complain. I tried to call, but only recorded instructions. Please help me. Thanks!
Consumer complaint received 2024-11-13
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. (NC)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2015-11-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. ()

Hi i sent sent Equfax XXXX XXXX letter to validate an alleged dept on XXXX XXXX 2015 registered mail ( XXXX ) according to XXXX post they recieved letter.I excersized my lawfull right under section section 611 ( a ) ( 1 ) ( a ) their method of verification pursuant to the fair dept reporting act. I gave them 35 days to respond, they ignored mt letter. I sent another letter XXXX XXXX 2015 registered mail ( XXXX XXXX ) according to XXXX post they recieved this letter also.This letter basicaly told them they are non compliance of the fdra for not responding this dept has not been validated and its against federal law to keep reporting it.Please delete this derogatory item immediately.They had 30 days to respond any further delays are inexcusable. This is now been 60 days no response, they have blatant disreguard of the federal law.I sent out 3rd letter again excersizing my lawfull rights i told them under section 609 ( a ) ( 1 ) ( a ) i asked to see phyically see an origional signed certifyed consumer contract with wet ink signature on it.Copies of copies are not validation and by law are not considered proof.They have ignored three registered letters and are in serious violation of fcra.Due to their lack of response i presume that there is no proof of alleged dept, nor therefore any such dept, in fact exsists.According the the fdra any inaccurate or any unverifiable dept must be deleted.I want to have equfax comply with the federal law and delete this derogatory dept immediately.
Consumer complaint received 2016-03-22
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Remex, Inc. (NJ)

Last week I received a call from Remex Revenue Management of XXXX XXXX XXXX XXXX N.J. XXXX. Stating that they was hired by XXXX to collect a Debt. of XXXX at that in formed that I had payed some of that. Then I. was inform they going to report this to my credit report. Then I got letter from them dated XXXX 2016 with the same. so I just payed the entire bill due to my illnesses.
Consumer complaint received 2015-07-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

I 'm not familiar with this debt and feel it should be removed. is been reporting for over 5 years and they continue to not work with me to remove it. This is hurting my family 's ability to get the financial help we need. Your help will be greatly appreciated. 

I attached the XXXX collections this same company is reporting and they 've sent harassing mail to me. I would like the all removed from the XXXX credit bureaus.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2016-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Torres Credit Services, Inc. (CO)

I was called XX/XX/XXXX by XXXX XXXX concerning a bill incurred by my son for {$940.00}. I had forgotten that I had signed for him to get electricity in 2004. The account was closed XXXX XXXX, and the due date on the bill was XXXX XXXX. XXXX from billing told me to make a {$100.00} payment on or before XXXX XXXX. I made a {$100.00} payment on XXXX XXXX. I tried calling to let XXXX know I would be making another payment 2 times on or around XXXX XXXX, but she was not available. I called and spoke to XXXX on XXXX XXXX for XXXX minutes trying to understand my bill. She transferred me to a manager named XXXX, # XXXX at my urging. After XXXX hours on the phone with XXXX, he agreed to send me via email an itemized bill showing me the amount of each month 's bill withheld due to " Balanced Billing '', so I knew what I was paying for. He said it would take 21 days max. He also told me not to worry ... .that as long as I was making payments XXXX would not send it over to Collections. On XXXX XXXX, another payment of XXXX was made by my son. I trusted him to begin making payments, and as soon a I realized he was not complying, I made XXXX more payments to my Reliant account online in the amount of {$50.00} on XXXX XXXX and XXXX. I was about to make another {$50.00} payment when I received a call from Torres Collections on XXXX XXXX informing me that my bill was placed in Collections on XXXX XXXX and demanded payment. I informed them that I had to call XXXX and would call them back. 

I called XXXX and asked to talk to a Supervisor. I spoke to XXXX, and she told me I had to deal with Torres Collections and was not able to answer any of my questions. I was exhausted and felt powerless and discouraged. So I waited the week-end and called Torres on Monday, XXXX XXXX. I spoke to XXXX, and she told me they can no longer delete a bad credit report due to a recent Federal Law, even if the bill is paid in full. I requested a credit report and found my credit had been ruined. I worked hard on a minimal salary averaging about {$13000.00} a year my whole life trying to build good credit and never paid a bill late. Then I asked XXXX if there was any way I could " settle '' the bill. She came back with XXXX {$140.00} payments due XXXX, XXXX and XXXX, which meant {$180.00} off the current bill of {$600.00}. XXXX asked me for a credit card number. I asked her at least 5 times if she could send me a written copy of the bill and agreement. She said that she was not allowed to send me any information. I asked her, " How can I trust you without the agreement in writing? ", especially since XXXX said one thing and did another. And she said she worked for XXXX. I told her I would call XXXX again and try again to get them to take the bill off my credit report. Instead I made a call to your agency. Please help me so I can get my credit restored with the least amount of stress. I was, and am willing, to pay my debts.
Consumer complaint received 2015-07-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

The servicer response to my previous complaint was inaccurate. The issues I am facing have not been addressed and although a new HAMP XXXX is on file with the servicer - Bank of America, the foreclosure sale scheduled for Tuesday, XXXX XXXX 2015 has not yet been cancelled even tough all the required documents have been verified as received and uploaded for review. The red tape and servicing mismanagement has not changed. Before the XXXX XXXX was even acknowledged or decided, another foreclosure sale was scheduled. Also, the XXXX dispute letters I submitted via certified mail have never been acknowledged even though I know from the green certified postal return receipt card that they were received and signed for. I am not getting a fair review of my mortgage modification requests even though HUD counselors have advised me I am eligible for XXXX or more of the programs available for homeowner relief.
Consumer complaint received 2024-11-14
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. (LA)

Under the doctrine of estoppel by silence, as referenced in XXXX XXXX XXXXXXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-11-14
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. (RI)

Im requesting your support to address this incorrect account reported on my credit report. It has harmed my reputation as a customer, and I need your help. This account should be removed, as it is inaccurately and negatively reported.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE (PA)

I have disputed my account numerous times and the company is failing to forward me copies of said investigation, and or responding without addressing my issues.. 

In XXXX I requested certain information about said accounts and they haven't sent me over anything.
Consumer complaint received 2015-04-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

I have made transferred payment to my daughter account on XXXX/XXXX/2015 which she has same bank with Chase. I cant believe that they did not transfer to my daughter account and took money out of my account of {$97000.00} and put in their account. I called them they said they will transfer but until end of the month which is XXXX. I dont see any reason for holding account and took money out without transfer to my daughter. I called in XXXX XX/XX/2015 to cancel this transaction and they said same thing to keep my money hold to 5-7 business days to put it back. In my concern, I believe that Chase does wrong practice to consumer while taking their money and put it reservation account in the event of transfer and cancelled. They cant put money on hold for that long when I made the cancellation. I dont trust them to keep my money and want to take it back but they dont return money as they keep.