davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2022-10-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I'm new to the XXXX and have started with my XXXX employer a month ago. 

I received a cheque from employer that I deposit on my XXXX HSCB account XX/XX/XXXX. 

I then receive an advance from HSCB on this cheque ( XXXX  XXXX ) that I transfer to another my XXXX  credit card. XXXX has an account on my name with the XXXX XXXX saving banks. I send this XXXX  XXXX to my account on XX/XX/XXXX. 

I then get paid the full cheque on the XX/XX/XXXX by HSBC and I immediately transfer the rest to the same account with the XXXX XXXX XXXX. 

I then receive on XX/XX/XXXX an e-mail from HSBC saying the below : " On XX/XX/XXXX, you initiated our trial deposit verification process to verify ownership of your XXXX XXXX XXXX XXXX, Checking account. 

To verify this account, we attempted to make two small deposits and a withdrawal for the total amount of the two deposits. Unfortunately, our attempts have been unsuccessful. 

This is because XXXX XXXX XXXX XXXX, Checking has indicated to us that the account for which you have requested verification is unable to accept transfers. '' I immediately contact them ( the customer service, I don't have a relationship manager ). They say the money is out, give me a reference code and tell me to contact the receiving bank. Which I do, I open a case with them, they don't find anything. 

On XX/XX/XXXX I call HSBC again, they're trying to put me through their Payment team. After being unsuccessful doing so, they say they will call me later. They never did This money is my salary. I can not eat neither pay my rent without external support. 

I would appreciate your help.
Consumer complaint received 2024-09-04
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: Experian Information Solutions Inc. (NV)

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.

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 2024-08-22
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)

I am writing to formally dispute a XXXX XXXX account that has been submitted by XXXX XXXX and appears on my credit report. This account is not mine, and I did not receive any prior notification or opportunity to dispute this erroneous account before it was reported, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to dispute the accuracy of any information reported on my credit report, and you are required to investigate the validity of this debt. 

I demand that you provide me with all relevant documentation, including the original application and any records showing my social security number, to prove that this account is indeed mine. If you can not provide such proof, this account must be removed from my credit report immediately, as per the FCRA 's guidelines on correcting inaccurate information. Failure to do so may result in further legal action to enforce my rights under federal law. 

Please confirm the removal of this account from my credit report at your earliest convenience.
Consumer complaint received 2022-10-25
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. (CA)

I have inquires on my report that I didn't authorize and Transunion won't take them off. They are also XXXX points lower then XXXX. XXXX also has inquiries on they report I didn't authorize
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I have NEVER lived at XXXX XXXX XXXX in XXXX NY they have XXXX XXXX XXXX XXXX NY on my report and i requested to be remove the representative was rude and hung up on me. They have most of my letters with my current address.
Consumer complaint received 2021-05-11
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: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$320.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2024-08-24
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. (NJ)

I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion 's refusal to comply with this law is a clear violation of my consumer rights.
Consumer complaint received 2021-05-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter regarding On XXXXThere have been fraudulent Inquires on my credit report. to this day over 60 days later I have not received a response yet. please remove the Inquires from my credit report They should be deleted before further action is taking I will file for litigation. Please resolve this matter I feel I'm impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (NY)

Two debt collection agencies XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, NY XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ) keep putting repeated derogatory information for the same accounts on my credit report that is not mine. I have disputed them multiple times through the credit agencies and had them removed but they keep putting them back on my credit report every year. This is for an address that I have never lived at, but using my social security number. 

I attempted to contact Sunrise Credit Services to notify them of this. They told me I had to provide multiple pieces of personal information including photocopies of my driver 's license, my social security card, a W2 showing my address which I am not comfortable providing ( nor should I have to ) a private company to resolve an issue such as this. I don't understand why there is no communication between the credit agencies ( XXXX XXXX XXXX  ) and these collection agencies to verify that the same negative information is being places on the credit report for the wrong person.
Consumer complaint received 2021-05-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent a letter regarding On XXXXThere have been fraudulent Inquires on my credit report. to this day over 60 days later I have not received a response yet. please remove the Inquires from my credit report They should be deleted before further action is taking I will file for litigation. Please resolve this matter I feel I'm impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-11
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: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX  XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$720.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

i have a capital one credit card but it shows like i was late 30 60 and 90 days i spoke with a credit counselor and they told me to contact the credit card company to fix this problem with the credit bureaus but capital one its not doing it so i have to file a complaint to see if you can tell capital one to remove what is showing from 3 years ago that still shows like it happen recently
Consumer complaint received 2021-05-11
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)

I entered into a Forbearance Plan with XXXX XXXX XXXX, effective XX/XX/XXXX through XX/XX/XXXX. The agreement states, " If your loan was current at the time of entering into this Forbearance Plan, then each month you are in the Forbearance Plan, we will report the status of the account to the credit reporting agencies as current. If, however, your loan was delinquent prior to entering into the Forbearance Plan, we will maintain that delinquency status during the term of the Forbearance Plan. If you are able to bring the loan current during the Forbearance Plan, we will report the account as current. '' When I entered the plan, the account was not delinquent. I made the XX/XX/XXXX payment on XX/XX/XXXX ( which was 29 days late, but not yet 30 days late ). A late charge was assessed to my account on XX/XX/XXXX, as the payment was not received between XX/XX/XXXX and XX/XX/XXXX. Therefore, I entered into the Forbearance Plan with my account in good standing. I continued to make payments while under the Forbearance Plan in both XXXX and XX/XX/XXXX ( on XX/XX/XXXX and XX/XX/XXXX respectively ). I did not make payments in XXXX, XXXX, or XXXX of XXXX ( as allowed under the Forbearance Plan ) and according to the rules of the Forbearance Plan, these missed payments are not to be reported to the credit reporting agencies. I completed the sale of the property for which this mortgage was secured on XX/XX/XXXX. XXXX XXXX XXXX received the total payoff of the loan including the outstanding balance, the missed payments for XXXX of XXXX, and all the late charges due on the account. This payment was made within the Forbearance Plan term, and according to the rules of the Forbearance Plan, bought the account current and requires XXXX to report the account as current to the credit reporting agencies. 
In fact, XXXX issued a {$220.00} refund check back to me on XX/XX/XXXX due to overpayment of escrow on this account. However, in violation of the terms of the Forbearance Plan and the federal CARES Act, XXXX  XXXX XXXX reported this account as paid, but 90 days late to Transunion. I demand that XXXX XXXX XXXX correct this information immediately, as this account was paid in full during, and according to the terms of the Forbearance Plan. This is a malicious attempt on behalf of this company to harm me personally as a consumer and violates my rights under the Consumer Financial Protection Act. I have attached documentation supporting my account above, to validate the veracity of my claim.
Consumer complaint received 2021-05-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (ND)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2021-05-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OH)

We closed on the refinance of our home the end of XX/XX/XXXX. We do live in a flood plain and have had flood insurance since we purchased the home in XXXX. Our refinance was done by XXXX XXXX XXXX and was transferred to XXXX XXXX in XXXX and then on to NewRez in XX/XX/XXXX. The flood insurance was figured into the closing, the amount that we had been paying for 8 years, but during the refinance, we had an appraisal and our home appraised out at a higher rate. The end of XXXX we heard from NewRez stating that they had no evidence that we had flood insurance and if we couldnt provide proof, they were going to place lender-placed flood insurance. I immediately sent them the paperwork and approximately 3 weeks later, they sent paperwork back stating that it wasnt enough insurance on the house and we needed to increase the flood insurance. I contacted my insurance agent and she increased the amount and sent out the new paperwork but because they have several addresses she sent it to the wrong one. Therefore, approximately 3 weeks later I received another letter stating they were placing lender-placed flood insurance. So, I called them, explained what happened, sent the the updated paperwork and thought everything was fine. My flood insurance policy has to be renewed every year and the renewal was coming up the end of XX/XX/XXXX. I received a statement from my flood insurance policy stating that my flood insurance had expired. So, I called NewRez and asked them why they didnt pay it and they said they didnt know it was to come out of escrow, even though I have the closing paperwork that proves otherwise. So, they took the money out of escrow and paid it. I thought it was straightened out. Then, about 1 month ago, I received paperwork of an escrow analysis for the coming year and they had the lender-placed flood insurance included in the escrow analysis for the year. So, I called them again and they said they fixed it, and about 3 weeks later I received an updated escrow analysis. But, they are still charging me for lender-placed flood insurance from XX/XX/XXXX through XX/XX/XXXX because the insurance wasnt at the higher rate that we changed it to when it was renewed. I feel that I should not have to pay this since I had flood insurance on the home at this time. I feel that because they have made so many mistakes, I just want to make sure that what they are doing is right.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (TX)

BBVA closed simple bank accounts with a severely inadequate plan in place. It's been 2 days and members can't access their accounts. This is completely unacceptable and needs to be addressed. The special customer service line simply either hangs up on you or connects you to a person who can't hear what you're saying and then hangs up.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (AR)

XX/XX/2021 Former customer of Simple Bank which as of XX/XX/2021 was closed and accounts were to be transferred to BBVA USA. Account transfer has locked me out of my account. BBVA has provided zero assistance. They say they have opened up Customer Service today XX/XX/2021 from XXXX to XXXX XXXX every time I have called for assistance ( 20 times as of writing ) my call gets disconnected or I get through to a CS rep who instantly says they can not hear me and hangs up.
Consumer complaint received 2021-05-12
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. (NY)

I contacted experian on multiple occasion about this account Municipal CR UN # XXXX that I have no knowledge of. They keep telling me its verified when i reach out to the company they told me they can't give me any information and received nothing fROM the experian. They received the dispute from XXXX which they were able to have them delete it. How is it the same account same company one was able to not verify the info and remove it but Experian is coming back verified that is because their computer is doing the work and noone is looking into my issue. 
i HAVE NEVER RESIDE AT XXXX XXXX XXXX, XXXX NY THIS WAS JUST ADDED BECAUSE I RECEIVED AN ALERT AND I TRIED DISPUTIONG IT NOTHING HAPPENED. MY CURRENT ADDRESS AND HAS BEEN IN XXXX XXXX FOR OVER 3 YEARS NOW. 
XXXX XXXX ACCOUNT XXXX THE SAY I HAVE BEEN LATE I CONTACTED XXXX THEY SAID THAT WAS SUPPOSED TO BE UPDATED BECAUSE I HAVE NEVER BEEN LATE. EXPERIAN IS NOT UPDATING ANYTHING THEY ARE JUST SENDING LETTERS BACK AT VERIFIED. THIS IS STOPPING ME FROM GETTING APPROVED FOR A HOME BECAUSE OF THEOR LACK OF INVESTIGATION. IT'S VERY UPSETTING,.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (UT)

Credit Collection Services is reporting a debt on my credit file that is not mine. Please note that this is not a refusal to pay, but I am asking for validation. Under the FDCPA, I have to right to request validation and I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binging on me to pay this debt. I am NOT requesting verification but a request that validation is made. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. During this time, if your office continues to report invalidated information to any of the 3 major credit bureaus, this can constitute fraud under both federal and state laws. If you continue to report I will not hessite in bringing legal action against you for violation of the FDCPA and defamation of character. If Credit Collection Services is able to provide proper documentation I will require 60 days to investigate this information and during such time all collection activity must cease. If you fail to respond within the 30 days, all references to this account must be deleted and removed from credit and copy of a deletion letter shall be sent to me immediately.