davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

This is an urgent matter, as I am unable to link a bank account to my HSBC account or complete a bank to bank transfer, which I need to pay rent and bills, into my account. HSBC is closing its US accounts this week, and has completely stopped responding to any contacts, and has known about the issue for six weeks, and it has only gotten worse. In XX/XX/2021, HSBC placed a completely negligent fraud alert ( multiple calls from multiple departments that do not coordinate ) on my checking account, and I wasted almost a day trying to get through to them or get an explanation, as it sounded like my rent check had been stopped. I was repeatedly cut off, lied to, given completely contradictory explanations -- it was beyond belief. I eventually got hold of XXXX XXXX, an alleged executive, who eventually acknowledged the alert was negligent ( placed only because I used two inks on the check, even though it was fully initialed and signed ) and promised she would quickly look into the matter and get back to me ( that was on XX/XX/XXXX of last year ; she has done literally nothing since ). The response from HSBC fraud abroad was insane -- it was like dealing with the deranged ( there's no nicer way to put it : that description is inadequate ). Instead, I got yet a letter about fraud ( but not specifying even what it was about ) from HSBC weeks after XXXX swore she had resoled the issue ( but she was still allegedly investigating and never provided any update after that one initial assurance the check would clear ). When I emailed XXXX to tell her she needed to tell me immediately what the new fraud letter involved, she did not respond. She did nothing week after week, usually not replying, and when she did, she offered absurd excuses and stalled again. She has literally done nothing for six weeks, and has not responded at all for more than a week, and barely at all before that for weeks. Now there is another negligent urgent matter ; XXXX placed some wholly insane fraud alert on my bank to bank transfers when I tried to link an outside checking account. I tried for hours to get them to fix it ( via online chat and phone, only in each case after hours to have the agents say they couldn't do it and to call back ). I have emailed XXXX every day for more than a week and gotten no response, which, on top of the prior negligence, is a new level of criminal negligence. I also have left at least 5 phone messages with HSBC 's executive office ( not with XXXX ), none of which have been returned. It is clear that because HSBC is closing its US personal account, it could not care less. I have spent days trying to deal with their negligence and recalcitrance, which has reached unbelievable levels. XXXX 's contact information is XXXX XXXX XXXX | Customer Relations | Executive Office HSBC Bank USA, N.A. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX
Consumer complaint received 2019-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (VA)

XXXX XXXX submitted to collection agency for charges that were covered by my insurance company. Multiple attempts to resolve issue with XXXX and the collection agency has not be successful. I have submitted Explanation of Benefits from insurance company to the collection agency and they still will not resolve the account. 

The collection agency is : Credit Collection Services XXXX XXXX XXXX, XXXX MA XXXX ( XXXX ) XXXX
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. I need this problem fixed asap I will not wait another 60 days to receive no response because clearly y'all ignoring me. Section 611 ( a ), it is plainly stated that a failure investigation these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-04-19
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CCB Credit Serivces, Inc (IL)

Someone identifying themselves as XXXX XXXX at CCB Credit Servuces call my employer on XXXX/XXXX/16 at XXXX XXXX. Number has never been listed as a contact on any account.
Consumer complaint received 2023-02-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update in my credit file. : XXXX XXXX XXXX : {$21000.00}.
Consumer complaint received 2019-12-29
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (MI)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (MI)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2022-01-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Portfolio Recovery Associates placed two collection accounts on my credit report without any prior written communication about this at all. It seems Portfolio Recovery Associated purchased these accounts ( 1. XXXX & 2. XXXX ) from another creditor in the amounts of {$1000.00} & {$1500.00} respectively. I request that you please verify the following... 1. Full original account numbers. 2. Date original accounts were opened. 3. Any written agreements between myself and the original creditor stating that these debts are owed. 4. Full account summary on how the charges added up to {$1000.00} & {$1500.00} respectively. 5. Date of first delinquency. If Portfolio Recovery Associates are unable to provide the above identifying account information, this information must be deleted from all CRAs. Portfolio Recovery Associates also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame.
Consumer complaint received 2022-09-02
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. (AZ)

XXXX XXXX XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX XXXX XXXX has not provided a signed contract between XXXX XXXX XXXX and XXXX XXXX that give authorization to report on my consumer report. Requesting that this company be removed from my consumer report immediately.
Consumer complaint received 2022-01-31
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. 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 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 three negative credit items outstanding debt now. 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 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-09-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Unifin Inc. (KS)

Started getting unsolicited text on XX/XX/XXXX and calls non stop. Advised to cease text and calls. Upon review, this company is a sell off from several companies from a XX/XX/XXXX nearly 13 year old charge off and are harassing my with a judgment will I pulled the information. Not only did they not have express consent to text me, I am getting annomus calls coming up since I told them to cease.
Consumer complaint received 2022-09-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (NC)

I applied for a mortgage with Loan Depot ( or MTH Mortgage ) on XX/XX/2022 and was sent a loan estimate. On XX/XX/2022 I received our closing disclosure and the fees were much higher. I emailed Loan Depot and pointed this discrepancy out and they told me that those were the fees. They would not honor the fees that were quoted on our XX/XX/2022 estimate. We needed to close on the property so we paid the fees at closing. We were required by the builder, XXXX XXXX to use their lender ( Loan Depot or MTH Mortgage ) and opted to use their preferred title company so the fees that were quoted should have been correct since they work with each other on the majority if not all of their home sales. 

Quoted on XX/XX/2022 : Title endorsement fee - {$60.00} Title search fee - {$170.00} Title settlement/closing fee - {$390.00} State Tax/Stamps XXXX not quoted any fee State Transfer tax - {$1700.00} HOA Capital Contribution - {$1000.00} Title owner policy - {$550.00} Charged on XX/XX/2022 Title endorsement fee - {$120.00} Title search fee - {$200.00} Title settlement/closing fee - {$650.00} State tax/stamps - {$1100.00} State Transfer tax - {$2900.00} HOA Capital Contribution XXXX {$1400.00} Title owner policy XXXX {$930.00} We don't feel that we should have to be the difference in what was quoted and what the actual fees were since we were not aware of what these fees would be until Loan Depot sent us the estimate on XX/XX/2022, after we applied for the loan.
Consumer complaint received 2022-10-01
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. (MI)

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  The laws listed below according to the " FCRA '' Fair Credit Reporting Act, is what the creditors and credit reporting agencies/bureaus are in willful violation of. 

1. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

2. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 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.

3. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-01-31
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)

It has come to my attention that Equifax is reporting unlawful things on my consumer report. This unlawful reporting is negatively impacting my credit score and ruining my reputation. Equifax is reporting my credit balances from XXXX XXXX  and XXXX XXXX. Leaving these balances on my report is a violation of the FCRA. I made Equifax aware of this issue on XX/XX/2022 by sending them a letter via certified mail.
Consumer complaint received 2022-10-01
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. XXXX 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. XXXX XXXX XXXXXXXXXXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. XXXX XXXX  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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX  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
Consumer complaint received 2022-01-31
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: Experian Information Solutions Inc. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a XXXX of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some incorrect personal informatio. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-02
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: Experian Information Solutions 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. 
XXXX  accounts listed 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 : also states a consumer reporting agency can not furnish a account without my written instructions. 
THE BANK XXXX XXXX XXXX Late payment XXXX, XXXX account never been late. 
XXXXXXXX XXXX XXXXXXXX Late payment XX/XX/XXXX account has never been late. 
XXXX XXXX - XXXX Closed Account account -XXXX XXXX XXXX agreed to remove the account from report but closed the account instead. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) -XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Finance ) -XXXX XXXX XXXX XXXX ( Finance ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) -XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXXXXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX Incorrect Names- XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-09-02
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. (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. 
-XXXX  accounts listed 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 : also states a consumer reporting agency can not furnish a account without my written instructions. 
THE BANK XXXX XXXX XXXX Late payment XXXX, XXXX account never been late. 
XXXXXXXX XXXX XXXXXXXX Late payment XX/XX/XXXX account has never been late. 
XXXX XXXX - XXXX Closed Account account XXXX XXXXXXXX, XXXX agreed to remove the account from report but closed the account instead. 
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 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 ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX Incorrect Names- XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX