davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-19
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. (OH)

there was a loan taken out with this bank on XX/XX/2019 in the amount of XXXX i had contacted the company and the credit credit bureau '' s of this matter i was in prison for 2 years during this time and they refuse to remove it
Consumer complaint received 2021-01-08
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. (FL)

When Covid started I was given the option to not pay the vehicle for 3 months due to lack on income. When i checked my credit report it showed I was late 30 days not once but twice in XXXX and XX/XX/2020.
Consumer complaint received 2021-12-19
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX / XXXX XXXX XXXX XXXX / XXXX / XXXX / XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

XXXX5 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 XXXX 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 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person. Also, 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.

1. 
XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ( XXXX ) XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. 
Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX XXXX. 
Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. 
Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX. 
Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX. 
XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX. 
Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX. 
Opened : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Opened : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Opened : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Opened : XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Opened : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX ( THESE ACCOUNTS HAS VIOLATED MY RIGHTS ) 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 2021-01-08
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. (FL)

I have submitted my information the 3 credit bureaus to have the incorrect and inaccurate information remove my credit reports ; the information stills remain on my report and I would like them removed
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the FCRA. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Convergent accounts has violated my rights, 15 USC 1681 section 602 A states I have privacy rights, 15 USC 681 section 604 A also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years, 15 USC 1681 s -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 information is inaccurate, XXXX XXXX  acct XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX acct XXXX, XXXX  acct XXXX, XXXX  acct XXXX, XXXX acct XXXX, XXXXXXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX act XXXX, XXXX XXXX acct XXXX, XXXX acct XXXX, XXXX XXXX XXXX XXXX  acct XXXX, XXXX XXXX acct XXXX XXXX acct XXXX, acct XXXX, XXXX acct XXXX, XXXX XXXX  acct XXXX, XXXX acct XXXX, XXXX acct XXXX, XXXX  XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX, XXXX XXXX XXXXXXXX acct XXXX,
Consumer complaint received 2021-01-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I checked my EDD Bank of America account on XX/XX/2020 and saw a pending transaction of {$38.00} for XXXX XXXX that I immediately recognized as fraudulent since I had never used the card anywhere, let alone in XXXX XXXX, where I do not live. I called the hotline to dispute the transaction but they told me I had to wait for the charge to clear before disputing. I then waited a few days, and the charge cleared, along with 2 other charges, all three for XXXX XXXX in XXXX XXXX. The other two cleared on XX/XX/2020 and were for {$300.00} and {$120.00}. I instantly cancelled my card. I tried calling the hotline several more times throughout the following weeks, but sat on hold for 2 or more hours each time before I finally hung up since I had to go to class. Finally, I got through to speak with a person in late XXXX and filed a claim and was given a temporary credit of {$460.00}. I was told it may take up to 90 days to review the claim. I also told the lady that I had never given anyone my card number or any information from the card and always kept it in my wallet. I hadn't used the actual card once, I usually just transfer the money over to my main bank account. Just a week later, I received a letter in the mail saying that they had determined that no error was made and they took back the {$460.00} credit from my account. There is no evidence to suggest I was trying to file a false fraudulent claim or that this spending was actually done by me, and I believe it is unfair to me that they basically accused me of doing so.
Consumer complaint received 2021-01-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

Around XX/XX/2020, after doing my annual credit report pull. I noticed fraudulent accounts were reporting on my credit reports. One was with WAKEFIELD & ASSOCIATES LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I have attempted to contact all parties. XXXX XXXX has removed the fraudulent reports from XXXX  and XXXX  but not XXXX. XXXX XXXX XXXX  XXXX  XXXX  have removed the fraudulent reports from XXXX  and XXXX  but not XXXX. XXXX XXXX has removed the fraudulent reports from XXXX  and XXXX  but not XXXX. WAKEFIELD & ASSOCIATES LLC continues to make fraudulent reports on XXXX, XXXX, & XXXX. WAKEFIELD & ASSOCIATES LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX  XXXX  has been contacted multiple times by me to request information for these fraudulent accounts. I have filled out the required information that accounts for all three credit bureaus, as accurate and refuses to give me information proofing this fact. Now they have stopped responding to my emails even after speaking with 3 of their supervisors. I've filled out identity theft and CFPD reports. Which they ignored that along with multiple FCRA laws and are not limited to section 609 allowing consumers to request copies of my credit reports and the associated information that appears on my credit report.
Consumer complaint received 2019-09-23
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (LA)

On XX/XX/XXXX, I disputed JEFFERSON CAPITAL SYSTEM in the amout of {$11000.00} and XXXX XXXX XXXX is the Original creditor. As a result they listed the date that I disputed the account as the day the account was opened. In order for them to keep this on my ports for the next seven years or more. 


JEFFERSON CAPITAL SYSTEM Last reported XX/XX/XXXX {$11000.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 10 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX
Consumer complaint received 2020-12-27
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. (FL)

To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : I HAVE NEVER LIVED AT THIS ADDRESS, PLEASE REMOVE THIS FRAUDULENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person. Also, 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.

1. 
XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ( XXXX ) XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. 
Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX XXXX. 
Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. 
Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX. 
Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX. 
XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX. 
Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX. 
Opened : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Opened : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Opened : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Opened : XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX. 
Opened : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX ( THESE ACCOUNTS HAS VIOLATED MY RIGHTS ) 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 2022-10-31
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. (SC)

I disputed items on my credit report 180 days ago and the incorrect information is still reporting inaccurate for XXXX : I have disputed these account multiple times with no update throughout the entire 180 days. 

XXXX XXXX ~utility XXXX  XXXX installment { Listed incorrectly as a chargeoff } XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX credit card { listed incorrectly as a chargeoff }
Consumer complaint received 2022-10-31
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. (SC)

I disputed items on my credit report 180 days ago and the incorrect information is still reporting inaccurate for XXXX : I have disputed these account multiple times with no update throughout the entire 180 days. 

XXXX XXXX ~utility XXXX XXXX installment { Listed incorrectly as a chargeoff } XXXX  XXXXinstallment XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX credit card { listed incorrectly as a chargeoff }
Consumer complaint received 2021-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TN)

On XX/XX/2020 I went to the XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, TN XXXX United States. There I came to return the equipment that I had borrowed and I also paid a balance of XXXX that I owed to close my account and get it removed from my collections. Its now XXXX and its still showing up on my credit and its not even saying that I paid it in full
Consumer complaint received 2023-03-06
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. (VA)

I have disputed everything I have seen late. I have talked to all companies trying to see what is being false reported and no one can give me information. I look and it says one place XXXX XXXX late payments then I can't find late payments anywhere and it shows XXXX of XXXX accounts paid on time. It is false reporting late information to companies yet I have nothing late. It is causing me to not get credit.
Consumer complaint received 2020-12-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

At the end of XXXX, I decided to move forward with my mortgage refinancing. HSBC advised on the phone that closing costs would be around USDXXXX. On XX/XX/XXXX I received a letter from HSBC estimating the closing costs to USDXXXX. 

Ahead of the closing process, I had told HSBC that I will be on vacation a week before the closing date. Closing occured in Mon XX/XX/XXXX and I received the closing costs details on Friday XX/XX/XXXX from HSBC lawyers. The process was hectic but realised that closing costs had jumped by almost USDXXXX which is not a small amount of money. 

I took a closer look at the closing costs and noted an increase in USDXXXX in origination costs and additional fees that were not mentioned in the estimation dated XX/XX/XXXX such as : Title - XXXX XXXX to XXXX XXXX XXXX XXXX {$60.00} Title - XXXX Fee to XXXX {$55.00} Payoff Attorney to XXXX XXXX XXXX XXXX & {$650.00} I called HSBC and a person explained to me that the originator fee had increased because of the higher XXXX ( market value had decreased ). I had not been made aware of that and the HSBC agent who was in touch with me did not bring this to my attention which is disappointing. 

The HSBC agent was on vacation during closing week, which I just discovered when sending her an email to get explanation on Closing Date.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I NEVER GAVE MY WRITTEN CONSENT TO PULL MY CREDIT FROM THE LIST PROVIDED BLOW. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery Associates is reporting this debt to my credit to which i do not owe .I have contacted them to tell them that I never had an account with paypal and they refused to remove the account from all three credit bureaus. This is in violation of the FCRA is williful as they have not provided me any documents.
Consumer complaint received 2024-02-24
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: Experian Information Solutions Inc. (RI)

XXXX is been reporting an inquiry by XXXX XXXX twice, on XXXX, and XXXX. I had no business with this company or authorized them to run my credit.