davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-15
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$12000.00}, {$4500.00}, {$4700.00}, {$1900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX  had reported incorrect information. XXXX XXXX  says that they correct the information with the credit reporting agencies, but my credit report still shows negative information about my XXXX XXXX credit card.
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Situation : Derogatory remark on credit reports, even after disputes, related to closing a checking/savings account with XXXX XXXX XXXX XXXX, IL. Cr report remark states late payment 30,60 days for {$99.00}. States Charged Off by institution. I never had a credit account with this institution. There was no communication or warning from XXXX that there could be a potential negative remark. 

Background : I requested to close a checking/savings account with XXXX XXXX XXXX XXXX late XX/XX/2020. I informed them that I would XXXX  out the account via electronic txfer and then they could close it. I was informed that I could not txfer the {$5.00} savings balance due to Credit Union regulations, but that XXXX would mail that amount. I received a check from XXXX late XX/XX/2020 via my military mail. When I finally got around to opening the check it was for more than my remaining account balance. I contacted XXXX to inform them. I was told the matter would be escalated. During this time I was busy working COVID response, but finally reached back and one XXXX  agreed with my suggestion just to canx the check and reissue for the proper amount and would re-escalate the matter. I was in the middle of PCS and work and in early XXXX found out via credit monitoring that I had a " major derogatory remark '' on my reports. I re-contacted XXXX  and after many calls, txfers to diff departments and hours on the phone we agreed that I would return the check and they would reissue a check for the proper amount and in turn correct my credit. They said I would have to liaise with their collection department to ensure this happened. When I contacted the collections department they could not provide a good explanation of why it was reported on my credit without warning. They were also baffled on why I was told to contact them directly and just stated to dispute the matter via the credit bureaus, as that was the only way they could address any issues. I disputed the remark and contacted XXXX for an update. The curt/rude collections dept rep informed me they could tell me nothing, questioned if I even disputed the issue and that they had up to 45 days to answer any dispute once received. They demonstrated that they could careless about my background story and what I discussed with XXXX member services about getting all this corrected. On XXXX XX/XX/2020 I discovered that derogatory credit remarks would remain on my account per the credit agencies since the " creditor '' substantiated the information. I called back XXXX member services stating the issue & requesting a copy of call phone call transcripts dating back to XXXX. They said they would get back to me, but if not, feel free to reach back.
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VANDERBILT MORTGAGE & FINANCE, INC (DE)

I have purchased XXXX through XXXX mortgage company paid them off after the sell of my house and is still reflecting an open account which day refused to take off my credit report as a delinquent which they have already been paid off in full
Consumer complaint received 2020-11-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (AZ)

On XXXX XXXX I was involved in an accident with my XXXX XXXX that caused it to be totaled. At the end of XXXX my Insurance told me to request Payment History from Hyundai so I can provide it to GAP. XXXX was my First-time requesting Hyundai to send me my Payment History on my totaled XXXX  XXXX XXXX. XXXX told me that they were going to email me the requested documentation. This is the first occurrence of me never receiving the information. I gave until the end of XXXX in case there was a delay which I then had to call Hyundai again to put in a second request. I spoke directly to customer service and asked them to send the requested Payment History to by my email and my Sons email since we are both on the account. I was informed that they would email it to both of us as well as mail it out directly. Again, I never received either format they said they would send it in. Unfortunately, I did not have another opportunity to request the documentation again until XXXX due to being sick. I was at last able to receive an email from Hyundai on XX/XX/XXXX but could not open the attachment provided on it. After XXXX attempts of trying to open the attachment, I had to call Hyundai again on XX/XX/XXXX to put in the request again. They proceeded to tell me that it was a back-office problem and they would email the request again for me. I was also reminded that everyone is working from home and that I should be patient. As I understand and was being very patient, I asked them again to please send it since I could not open the original. I, once again, never received the requested History. On XXXX, Hyundai put my car on an unpaid debt status even though they knew I was trying to get documentation from them in order to provide it to GAP so it can be paid off. I never heard back from them after the negative status change. Sadly, I had to request the documentation several more times after this occurrence but never received it. At the end of XXXX, I called Hyundai again to inform them that I am going to get a lawyer involved if they do not send me the requested Payment History. It was at this time I was finally able to receive the paperwork one week later. It is now sent to GAP and is in the process of being fixed. The problem I am running into right now is that this entire process and disregard from Hyundai has caused my and my sons credit to drop more then 50 points causing us to be below XXXX credit score. I have been trying to move and rent a house for a month and a half now but keep running into the same issue. Credit. I need to have this removed from my and my sons credit so we can return to our original credit score before this dreadful situation occurred with Hyundai and so we can finally move as weve been needing to. I appreciate you taking the time to read my complaint and assistance on this matter. 
Thank you.
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (MI)

JPMCB is acting in dishonor by disrupting my ability to operate in commerce. JPMCB accepted my offer of open credit to use personally and for household goods and services in XXXX. JPMCB has blocked me from using my open end credit card to adequately take care of myself and my family by imposing an available credit limit of {$500.00} and providing balance and payment inaccuracies to consumer agencies.
Consumer complaint received 2023-04-25
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: STATE EMPLOYEES CREDIT UNION (NC)

Upon reviewing my credit profile on XXXX, I discovered a discrepancy with an account listed under State Employees Credit U. I immediately requested validation for this account, as I had no recollection of opening it. Subsequently, I reviewed my credit report again on XX/XX/, and to my disappointment, the account still appeared on my credit report. Despite sending a second validation request on this day, I have not received any correspondence from the creditor validating that this account is rightfully mine. 

As of today XXXX, there have been no updates to my credit report, and the disputed account is still having an adverse impact on my credit score. I strongly believe that the account in question does not belong to me, and that the creditor does not have any authorization to access or collect on it. 

Therefore, I kindly request that the credit bureaus remove this account from my credit report until adequate validation has been provided, proving that the account belongs to me and all the information is accurate. 

Thank you for your assistance in resolving this matter.
Consumer complaint received 2023-01-01
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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.

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 2020-11-14
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. (NC)

I have the XXXX report showing that the Chapter XXXX has been removed from due to inaccuracies. I have already disputed this several times ; however NONE of the bureaus have actually taken the time to reach out and do a full investigation with XXXX. I requested that XXXX send me a complete report XXXX attached ) which will show that the Chapter XXXX is no longer on the report. It needs to be removed from each credit file immediately. As this is my 4th time doing this. Also, I have attached from each bureau the Information for TransUnionXXXX Consumers form that is on each dispute completion that clearly states that XXXX provides public record information to credit bureaus. The entire report is XXXX pages ; please read thoroughly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (OR)

On XX/XX/2020 I closed on my mortgage refinance with XXXX XXXX XXXX ( who is transferring the loan to XXXX XXXX XXXX for servicing ). On the closing documents, it stated I was to receive via wire transfer the amount of {$480.00}. 

The title company was First American Title and the escrow officer who handled the transaction is XXXX XXXX. 

A few days later on XX/XX/XXXX, I received an amount of {$440.00} via domestic wire, which right away I noticed the amount was off. I checked with my bank to see if they could determine why, all they could tell me is they do not charge for incoming wires - domestic or international. The document in which I provided by First American Title for the checking account information to facilitate the wire transfer does not disclose any fees for First American Title to send the money to me. 

The amount missing is also an odd amount of {$34.00}. 

I've reached out to both the lender, First American Title, and XXXX XXXX at First American Title multiple times ( by email and phone ) to get an explanation as to why this differs from what is on the closing documents - I am concerned that part of the money due to me was not sent to me. The one and only person to call me back at First American Title was a supervisor who all he could tell me was that he was in the wrong department and I need to call a different department as he only handles transactions in California. I then asked him for XXXX 's contact information as the contact information listed on the closing documents was getting me no where. He provided her email address and phone number to me. 

To this day, I've yet to hear back from anyone at First American Title who can tell me where my money went, that was not sent to me. 

Call Log XXXX ( number listed on Closing Documents ) Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message XXXX ( found this number online ) Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message XXXX Inbound - XX/XX/XXXX XXXX ( supervisor getting back to me, left message ) Outbound XXXX XX/XX/XXXX XXXX. Left message Inbound - XX/XX/XXXX XXXX ( was finally able to connect with supervisor, gave me XXXX XXXX email address and phone number. Basically not his department ) Email Log XXXX XXXX - XX/XX/XXXX XXXX Outbound - XX/XX/XXXX XXXX Any assistance in getting this resolved would be helpful.
Consumer complaint received 2021-08-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (HI)

I had a Citibank accelerate savings account. One fine day I open up my account to check my balance and discover that my account has been blocked. There was no reason stated. I call the support line and ask them about it. Kept getting moved around to different departments. I was so frustrated that I asked them to close the account and return my deposit. I also learn that while the account was blocked transfer was occurring between my external bank account to this account on a regular basis. I called my bank and stopped the transfers. The first person I spoke to from the support team said I would receive the check in 30 days. The second one said 14 days. I am yet to receive anything. Today I check my account and it said closed with a {$0.00} balance. These guys are frauds. I want my money back.
Consumer complaint received 2020-11-15
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. (MS)

On XX/XX/2020 I mailed a letter requesting investigation for inaccurate accounts found on my credit report. I never received a response so I mailed a letter on XX/XX/2020 and XX/XX/2020. I still haven't received a response and these inaccurate accounts are still shwoing on my credit report.
Consumer complaint received 2020-11-15
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/18, my account through Capital One was closed and sent to collections. My dispute with XXXX  was over a debt reported with an incorrect balance. I was contacted by XXXX XXXX and I also disputed the accuracy of the balance directly. Both disputes were denied. I disputed the balance they have because the card maintained by the original creditor, Capitol One, was a secured card with a credit limit of {$200.00}. Capital One allowed a merchant XXXX XXXX XXXX XXXX ) to force debit authorization for an amount that should have been declined because the requested amount was way over my credit limit.
Consumer complaint received 2020-11-15
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. (TX)

I need help understanding how experian and XXXX  and XXXX  just allow anyone to place a collection account under the credit score model in my name after this same creditor has been removed from my account several times, i need the law that allows these companies to do so
Consumer complaint received 2020-11-15
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My card was used fraudulently. I have reported the fraud 3 times now and have received no type of investigation information or anything from Bank of American. I have been put on hold for hours numerous times and hung up on. I need this fraud properly investigation. I need information from the bank to file a police report and I cant even get a response from the bank
Consumer complaint received 2020-11-15
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. (MS)

on XX/XX/2020 i mailed a letter requesting verification of inaccurate accounts that are showing on my credit report. I never received a response. I mailed another letter on XX/XX/2020 but still havent gotten a response and it's been 6 months and these inaccurate accounts are still on my credit report.
Consumer complaint received 2022-09-29
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: Westlake Services, LLC (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2020-11-15
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. (MS)

On XX/XX/2020 I mailed a letter requesting investigation of inaccurate accounts listed on my credit report. No response so I sent another letter on XX/XX/2020 and again on XX/XX/2020 but I still haven't received a response. These inaccurate accounts are still on my credit report.