davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-03
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}, {$0.00}. 
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 ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

I have a lease with Hyundai Motor Finance. I traded in my old XXXX last XX/XX/2020. On XX/XX/2020, they called me to inform me that there was a forberance plan available to help customer though the Pandemic due to COVID 19. The representative told me that I qualify for 90 days without making a payments and they will add those payments to the end of the lease, my lease is for 36 months and it will be for XXXX. I checked the website every single month and in the statements said XXXX balance, meaning that I did not have to pay. I never received a phone call from them or a letter advising me that I should pay. On XX/XX/XXXX I received a letter that my account was passed due and that I had to pay the three months due. I was sick at home tested positive with XXXX, I had to leave my job for almost 2 months and my finances went down. I started calling them every single day and they always told me a different answer. I ended up paying the whole amount which let me in a terrible financial crisis. They also reported me to the Credit Bureau and my Credit Score went down. They treated me very poorly, horrible customer service. They were very unfair, never found a solution to my situation and never cared that I was at home with XXXX.
Consumer complaint received 2023-07-13
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. (MS)

You have recently checked my credit report and seen some inquiries I did not authorize : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax )
Consumer complaint received 2020-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received a derotary trade alert on my credit report. Neiman Marcus was reporting a charge/off, with no account number, no balance. Consumer statement did not come from me. See attached.

I called them as soon as I received the alert to discuss the debt. They would not speak to me and said it was chargedoff.
Consumer complaint received 2024-03-19
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. (VA)

These inquiries were not initiated by me and I firmly suspect their authenticity. I implore you to conduct a thorough investigation and promptly delete them from my credit history. Supporting documents have been provided for your assessment.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2023 but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 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
Consumer complaint received 2020-10-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (PA)

Upon running my credit on XX/XX/19 and issuing a mortgage commitment and several closing dates and changing my mortgagee on my insurance. As of XXXX, In the midst of a pandemic and financial uncertainty, Cross Country Mortgaged, misled, mistreated and blatantly lied to me on multiple occasions. It saddens me that cross country has operated in such a manner. It has caused me over {$14000.00} in Out of Pocket expenses.
Consumer complaint received 2024-06-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (VA)

Jefferson Capital System, a XXXX XXXX Account, posted a delinquent charge on my XXXX credit report for {$1500.00} which dropped my XXXX score XXXX points. The report notes that the Original Creditor was " XXXX ''. 

This is not my account and I have never used XXXX. This is fraudulent. 

XXXX says that I need a letter from FTC to have it taken off of my credit report, please assist me, thanks. 

Jefferson Capital System XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Date of Charge : XX/XX/scrub>XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-03
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 {$13000.00}. 
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. 

-- COLLECTION ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2020-10-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (IL)

We moved out of my rental apartment with XXXX XXXX XXXX on XX/XX/2020. We received follow up bills for utilities payments, as well as move out fees deducted in excess of the security deposit totaling {$160.00}. I contacted the company for further information on what the charges had originated from. I also highlighted that upon looking at our previous rental agreement, we had been overcharged on a monthly basis per their admission earlier in the contract signing phase of our agreement. We had requested additional information on the charges and inquired as to if the excess charges would be refunded, and were told that information would be provided before finalizing the charges. This information was never provided, even after following up with the company 3 times. Less than ( 1 ) month after being told we would receive the information and finalized charges, this debt was sent to collections unbeknownst to us.
Consumer complaint received 2020-09-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (NY)

I, XXXX XXXX, on XX/XX/2020 had visited a TD bank branch at XXXX XXXX XXXX, XXXX, NY where an international wire transfer was performed by the store manager and Vice President XXXX XXXX with a gross negligence or willful misconduct in performing the wire transfer services resulting in misdirecting my funds in the amount of {$5000.00} to the wrong account. I provided a correct information to Ms. XXXX, all the details such as names, XXXX, beneficiary account, address, but because of her gross negligence the funds were transferred to the wrong account in the correspondence bank in XXXX, where I have no account. The  XXXX, though, was indicated for the bank where the funds were supposed to be transferred to and with the address in a different country, which made a whole transaction an awful mess, which in its turn has caused a major inconvenience, a financial loss and emotional distress to me. Ms. XXXX who is a vice president (???? ) had refused to correct her error, but blamed me instead for not checking her computer.
Consumer complaint received 2020-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I received an email notification from CapitalOne advising that our new credit cards would be received in the first week of XXXX. Knowing that our existing credit cards would not expire until XXXX, and, not recognizing the account numbers listed in the email I contacted Customer Service. 
I spoke to representative XXXX, who after hearing my reason for calling, very politely told me that the company had done an account review and decided that we would be better served ( better benefits ) by switching our accounts from a Visa Card to a Master Card. When I questioned who had authorized such change and why no notification, she indicated that it was all part of an account review and that we should have received a letter. ( While I do not dispute that in fact a letter was sent, we unfortunately did not receive the notification, as I would have reacted to it then. ) I told the representative, that neither my husband nor myself wanted a Master Card. We wanted to retain our Visa. She said that was not possible, but she would transfer me to her supervisor. 
XXXX the SR account representative basically repeated what XXXX had said and indicated there is nothing that can be done to reinstate our Visa account. She was also unable to tell me what upgraded benefits we were receiving, but assured me that the CaptialOne account terms had not changed.. She indicated that for the benefits information I needed to call Master Card directly. Additionally, she did not explain why our account was selected for this change.

We have maintained a stellar relationship with CapitalOne for several years and our credit records are impeccable.

When we applied for an account with CapitalOne, we requested a Visa account. I realize that the terms of our account with CapitalOne have not changed, however, our loyalties lie with Visa and frankly, this arbitrary decision from Capital One is intrusive and a violation of our rights as a consumer to choose a product. We were never given a choice to accept this change. 
I sent a written complaint to the CEO of CapitalOne and did receive a prompt response, however, the response echoed the same information I received from the two representatives I had spoken to earlier.

They also sent a copy of the letter that we should have received regarding this matter. The letter does advise we are being switched but nowhere does the company give us, the consumer, the right to accept ( or not ) this change.

I still do not know why we were selected. I would have liked to have bee given a choice of accepting a product we never asked for, and I would like to have our Visa product reinstated.

Thank you for your attention to this matter
Consumer complaint received 2020-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (WI)

This is reference to complaint XXXX. 

It was never resolved. 

I have proof that the payment was sent on time. 

Barclay company claims otherwise, and wishes to keep the fee they charged me. 

On your site ( consumerfinance.gov ) it states the following : That depending on what YOU find, you can also do this : Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office. 

Since you failed to do anything about this matter, who do I contact next or who can you forward this to? 

Thank you, XXXX XXXX
Consumer complaint received 2020-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (ID)

Fraudulent charge made to my Chase credit card : XX/XX/21 XXXX XXXX XXXX UT XXXX I contacted Chase, reported it as a fraud. Chase issued new credit card and credited my account. 

XX/XX/21 XXXX XXXX XXXX UT XXXX Chase issued letter indicated purchase was not fraud. 

I contacted Chase and they continued their review. 

Contacted by Chase indicated they have completed their review and determined the purchase was not fraudulent. Chase did not provide any additional information to me as to how this determination was made. 

I attempted to contact the vendor using the phone number listed with the purchase ( see above ). A recording. Number is a Utah phone number. I live in Idaho. I have not been in Utah in 5 years. Also, the recording is for a baseball team in XXXX DC. I have not been in XXXX DC in years.
Consumer complaint received 2020-09-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Collection agency ( Portfolio Recovery Associates LLC ) did NOT send any communication about the debts ( on 2 seperate accounts ) WITHOUT giving me the opportunity to dispute under Federal Law. I immediately BOTH a ) emailed and b ) send letters certified mail to : a ) email : PRA_Disputes@portfoliorecovery.com b ) Portfolio Recovery Associates, LLC Disputes Department XXXX XXXX XXXX. 
XXXX, VA XXXX I would like assistance on resolving this matter. 

- XXXX
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

They closed my account on XX/XX/XXXX and i submitted a complain with you guys. Then XXXX XXXX contacted me and told me that he will re open my account. then on XX/XX/XXXX, he send a response denying me my account to be re open. I tried too many times to contact him and he never reach out back to me. the only time we spoke he was racist and discriminated me saying he couldn't understand my accent.
Consumer complaint received 2020-10-03
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: Experian Information Solutions Inc. (PA)

The accounts listed here MUST BE removed because they do not belong to me. I demand they be removed now because they are fraudulent accounts. This is supporting fraud, if the credit bureaus do not removed these accounts I will file a lawsuit. Fraudulent accounts are as follows : XXXX XX/XX/XXXX, {$120.00} ; US DEPT OF EDXXXX XX/XX/XXXX, {$1100.00} ; US DEPT OF EDXXXX XX/XX/XXXX {$640.00}.
Consumer complaint received 2020-09-25
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: CBC Companies, Inc. (OH)

i was denied an apartment because of wrong information reported on my XXXX report and XXXX credit report, incorrect info is i was evicted not true XXXX second incorrect information is that i owe the green apartments XXXX and XXXX i spoke with the credit agency XXXX XXXX and they stated i owe nothing i noticed that they have a disorderly conduct that happened back in XXXX, this is past the 7 year mark They have on both reports that i work for XXXX   and thats a previous report, all this wrong information on my credit report kept me denied for housing and this is not fair at all.. i have reached out to XXXX and XXXX three times starting XX/XX/XXXX and until this day this has not been corrected ... they told me only one thing i needed to fix was the dismissal eviction, we fixed that and they went behind my back and came back with a list of items that did not make since, they did not screen me like they screened others ... they never called me to give me any updated info, it was as they was working with the landlord to get me removed ...
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida, XXXX ( XXXX ) XXXX XX/XX/2023 Dear Experian1, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your reporting corporation. 
The Source of Information of the False & Incorrect Information being reported are listed below and are not accurate The Personal Info Listed Below are being reported on my consumer report And I have no Knowledge of the Information. 


Incorrect Addresses - XXXX XXXX XXXX XXXX, TX XXXX Incorrect Addresses - XXXX XXXX XXXX XXXX XXXX , WA XXXX Incorrect Addresses - XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Incorrect Addresses - XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect Addresses - XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect Addresses - XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect Addresses - XXXX XXXX XXXX XXXX XXXX , TX XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF These Addresses & IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY! 
This is my official request to have the aforementioned item to be deleted off my credit report.
Consumer complaint received 2020-09-28
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)

TransUnion and XXXX  are fraudulent on my accounts : XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX/XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2020-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (TN)

Synchrony Bank sent me a credit card I did not request. A few weeks ago my computer was hacked which I report to FTC and the the hackers may have ordered the card? I don't know. I tried reaching Synchrony Bank online and by phone and was not successful. I have written a letter and will mail it tomorrow to cancel card as I didn't order it nor did I activate it but I believe there are charges on it that aren't mine.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are not complete and accurate. Open date is not reporting correctly, date last active, date of last payment is not correct, these accounts are not accurate
Consumer complaint received 2021-12-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (MI)

CRASHED MY CAR WITH FULL COVERAGE AND THE DAMAGE WAS MORE THAN WHAT THE CAR WAS WORTH. I HAD GAP INSURANCE INVOLVED ( XXXX XXXX XXXX XXXX ) WHO LEFT ME WITH A {$2000.00} BALANCE THAT I SHOULDN'T HAVE HAD TOO PAY IF I HAD GAP INSURANCE. I NEED HELP BECAUSE ITS MESSING UP MY CREDIT