davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
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 (IL)

On XX/XX/2022 I initiated a dispute through Capital One against a merchant over a missing refund of {$1000.00} from XXXX. XXXX charged me a restocking fee of {$420.00} for an item that they had failed to cancel and then also deducted an additional {$620.00} for unknown reasons. When I initiated the dispute I explained that I had originally attempted to process this dispute through XXXX, who had both given and reversed a provisional credit- I also noted that both transactions were visible on my Capital One transaction history. On XX/XX/XXXX, Capital One sent a communication stating they needed additional information. After speaking with a Capital One customer service representative, and again explaining the provisional credit given and taken by XXXX, the representative stated that I needed to provide a letter stating I would like my claim reopened and an explanation of the credit. 


I provided this document originally on XX/XX/XXXX which contained both my written confirmation to reopen the dispute, but also screenshot proof of the credit being given and reversed by XXXX. 


On XX/XX/XXXX I called Capital One to get a status update and was told they never received my document. At that time I, again, explained about the provisional credit and, again, provided the same document from XX/XX/XXXX. 

On XX/XX/XXXX I received a communication from Capital One stating that " While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. '' After receiving this communication I immediately called Capital One and, again, explained what was going on. The customer service representative I spoke with took a look through my file and determined that I had provided what was asked. Near verbatim, the representative said that there was no other documentation that they had asked for and nothing that I had failed to provide. 


After confirming that I had provided everything requested, the representative then stated that Capital One could no longer continue my dispute. The representative stated that since I had received the communication stating that I had not provided everything requested, that my only recourse left was to communicate with the merchant directly.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2017, in XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX case # XXXX was dismissed voluntary without prejudice ; yet, they took the initiative to use my identity and fraudulent sell this debt to XXXX ( XXXX XXXX XXXX ) whom on XXXX XXXX opened this account up and reported this derogatory account to all credit report agencies. They have violated my rights numbers of times ; under 15 USC 1681 by misleading false reporting and using my identity ; 15 USC 1681 ( b ) which I never gave them written consent ; this is harassment and abuse under 15 USC 1692d ; and according to FDCPA Section 807 this violation is misleading and false reporting inaccurate reporting.
Consumer complaint received 2020-09-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (MD)

Finance Company : Ally Account # : XXXX Vehicle : XXXX XXXX, XXXX I am the primary on the account, my daughter is the co-borrower and normally she deals with Ally 's foolishness. 

The final payment was made XX/XX/XXXX in the amount of {$610.00}, the following statement popped : [ Your final payment is pending. You'll soon have access to our title tracking feature, which will keep you up to date about when your title and/or lien release will be processed. We'll send you an email soon as the title tracker is available on your vehicle details page. ] I received via mail a letter dated XX/XX/XXXX Congratulations for paying off your auto financing with document attached that looked like a title but instead of being blue it's pink with the following statement : [ This is to certify that a security interest has been duly filed with the motor vehicle administration in the name of the secured party below on the vehicle described. 
Termination Statement I, the undersigned do hereby release all rights and interest in the vehicle described above ] Signed and dated XX/XX/XXXX additional a sticker with the following information : XXXX  XXXX R XXXX. XXXX XXXX XXXX  XXXX  ( cars VIN ) On XX/XX/XXXX, I contact Ally and spoke with Customer Service Agent XXXX  requesting the vehicles title. I was told that the last payment was rejected on XX/XX/XXXX and that Customer Service Agent XXXX " Reallocated '' the payment on the same day. 

I checked with my bank, the payment DID NOT come back. 

Ally has verified receipt of the final payment for {$610.00}. 

However, I received a registered letter dated XX/XX/XXXX " Notice to Repossess after XXXX XXXX. It indicates that the account is in default and need to make a payment of {$470.00} which is suppose to represent the XX/XX/XXXX and XX/XX/XXXX installment ( s ) plus unpaid charges. '' If the final payment was confirmed received. Why is the account in default? What is the additional {$470.00}? 

We have had issues with Ally throughout the length of this loan. The final payment was made and I want the Title for the vehicle. 

Documents attached.
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

The bank gave me the wrong email to send proof of payment by another method when I disputed a charge by XXXX  that made a charge to my debit card that I did not authorize. I requested the bank expedite the reversing of a debit because they said they did not receive proof. The bank refused to expedite the reversal which caused my account to be overdrawn and will cause a financial hardship.
Consumer complaint received 2022-05-13
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. (UT)

On XX/XX/2022 I mailed the FIRST Request letter to XXXX, XXXX and EXPERIAN to investigate/verify and delete incorrect accounts on my credit report. I have sent the letter with proof of my identity. 
On XX/XX/2022, I sent the SECOND Request letter requesting for XXXX, XXXX and EXPERIAN to remove all the incorrect information since I have not been notified or showed the results of their investigation within 30 days. Sent Certified mail. The credit reporting companies XXXX, XXXX and EXPERIAN are not complying with their own polices in a timely manner. 
On XX/XX/2022, I sent the THIRD Request letter demanding XXXX, XXXX and EXPERIAN to delete these incorrect/inaccurate accounts from my credit report since it has been over 30 days. Sent Certified mail. 
I have certified tracking numbers given to me by USPS that prove the receipt of this letters. 

Unfortunately, I started this complaint on XX/XX/2022 and the companies have not responded by the laws set up by the Fair credit reporting act and removed the information since they have had more than 30 days to verify and remove the false information from my report. 
I want this incorrect/inaccurate information immediately deleted from my XXXX credit reports. 
These incorrect/inaccurate accounts are hindering me financially and preventing me from providing a better life for my family. 
I want XXXX, XXXX and EXPERIAN to immediately delete these incorrect accounts from my credit report that do not belong to me. They are affecting my finances. Please delete the following accounts from my XXXX, XXXX and EXPERIAN reports : # 1 XXXX  XXXX XXXX # 2 XXXX  XXXX XXXX ( Collection Agency XXXX XXXX NA ) # XXXX XXXX XXXX XXXX Collection Agency XXXX XXXX XXXX ) # 4 XXXX - XXXX # 5 XXXX  XXXX XXXX ( Collection Agency XXXX XXXX XXXX XXXX # 6 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

On XX/XX/2023 I sent XXXX to XXXX XXXX XXXX on PayPal. They said in order for them to ship my item I had to wait until the money was no longer on hold by PayPal since I paid using PayPal good and services. Days passed and I had no updates so ever about my item and the shipment status. Several days after I bought a friend of mine contacted me to tell me that person was a well known scammer and that they have been doing this for a long time. 

I asked the seller for a refund and they said that the money was already in their bank account and that PayPal couldnt do anything. Of course I immediately made a PayPal case, but PayPal quickly closed it. Then as a second option I called my bank and submitted a report for this transaction, but it has been over 10 days and I havent gotten any update from my bank what so ever other that they have cancelled my visa without my permission. The visa registered on my PayPal and which I used to paid the seller has been cancelled by my bank. 

Yesterday I spoke to the seller AGAIN after exposing them for scamming me and hundreds of people. Their response was thousands of posts and I still keep scamming. Many people have exposed them as a scammer since last year, but unfortunately PayPal has not closed their accounts so they just let them do this fraud. 


I have included here pictures of the PayPal transaction as well as the conversation with the seller. 

Thank you so much
Consumer complaint received 2022-05-13
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. (UT)

On XX/XX/2022 I mailed the FIRST Request letter to TRANSUNION, XXXX and XXXX to investigate/verify and delete incorrect accounts on my credit report. I have sent the letter with proof of my identity. 
On XX/XX/2022, I sent the SECOND Request letter requesting for TRANSUNION, XXXX and XXXX to remove all the incorrect information since I have not been notified or showed the results of their investigation within 30 days. Sent Certified mail. The credit reporting companies TRANSUNION, XXXX and XXXX are not complying with their own polices in a timely manner. 
On XX/XX/2022, I sent the THIRD Request letter demanding TRANSUNION, XXXX and XXXX to delete these incorrect/inaccurate accounts from my credit report since it has been over 30 days. Sent Certified mail. 
I have certified tracking numbers given to me by USPS that prove the receipt of this letters. 

Unfortunately, I started this complaint on XX/XX/2022 and the companies have not responded by the laws set up by the Fair credit reporting act and removed the information since they have had more than 30 days to verify and remove the false information from my report. 
I want this incorrect/inaccurate information immediately deleted from my XXXX credit reports. 
These incorrect/inaccurate accounts are hindering me financially and preventing me from providing a better life for my family. 
I want TRANSUNION, XXXX and XXXX to immediately delete these incorrect accounts from my credit report that do not belong to me. They are affecting my finances. Please delete the following accounts from my TRANSUNION, XXXX and XXXX reports : # 1 XXXX  XXXX XXXX # 2 XXXX  XXXX XXXX ( Collection Agency XXXX XXXX XXXX ) # 3 XXXX XXXX XXXX Collection Agency XXXX XXXX XXXX  ) # 4 XXXX - XXXX # 5 XXXX  XXXX XXXX ( Collection Agency XXXX XXXX XXXX XXXX # 6 XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-09-07
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. (MS)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In XXXX of 2020 I booked flights to XXXX through a vendor called XXXX using my CapitalOne venture card. Unfortunately in XXXX due to the travel ban on Americans going to the XXXX I begin to look into seeing whether or not I could get refunded for the flights which were due to be in early XXXX. 

After speaking with the merchant and explaining that I would not be allowed on the flight they told me that the XXXX ( XXXX ) would refund me the cost of the ticket. Albeit, when I contacted the airline they told me that XXXX would have to refund me since that is who I ultimately sent my money to. 

After going back and forth with both companies several times I opened a dispute with CapitalOne still back in XXXX. In XXXX I was contacted to provide more information to CapitalOne. Shortly after this time I received an email saying that the flight had been downright canceled anyways, so even if I had been able to go legally there was no flight for me to take. 

So I sent that confirmation to CapitalOne, after trying both merchants again, and I was told I would have a resolution in no more than 30 days. I called back 45 days later after hearing nothing and I was told that I would receive a call back in the next week. After another week went bye, I called CapitalOne on XX/XX/XXXX and I was then told that I would receive a decision by XX/XX/XXXX at the absolute latest. 

Unfortunately this morning ( XX/XX/XXXX ) I called CapitalOne again and I was told that now I will not receive a decision until XX/XX/XXXX. The bank has repeatedly lied to me about the timing of the dispute and seemingly every time I call it is very difficult to get any information out of them which has been very frustrating. 

Additionally, XXXX XXXX company policy says that I should be eligible for a full refund.
Consumer complaint received 2023-02-28
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. (AZ)

I sent a letter multiple times to XXXX, XXXX, and Equifax. Here are my tracking numbers : XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Consumer complaint received 2020-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (IL)

A credit card by QVC called a Q card was fraudulently used to purchase games and other electronics. I did not make these purchases nor did I receive any of the items. I have spoken to fraud department with  XXXX XXXX, QVC, and I have filed a police report with the XXXX Police Department which is currently being investigated by their fraud department. XXXX XXXX  nor QVC has provided me with any proof of my signature for this purchase. I have been told that items were sent to a previous apartment that I resided as well as a PO box that I have never had. XXXX XXXX  remains on my credit report as a derogatory mark. I am requesting this item be removed immediately as there is absolutely no proof that this belongs to me.
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

I have requested my credit to be frozen by XXXX upon noticing a drop on my credit score, and requests for credit information that I did not recognize, all in the first week of XXXX. 

Three financial institutions have requested my credit score, and at least two of them opened an account on my name. All these accounts issued used my current address as well. 
1. XXXX XXXX XXXXXXXX ( XXXX ) - the bank sent me a personal letter requesting more information before opening a XXXX XXXX. I reported the fraud attempt, and they did not proceed any further. 

2. Webster Bank in Connecticut ( XXXX XXXX ) - a checking or savings account was opened in my name. A debit card was issued. I called the bank, notified the fraud, the account was cancelled but they refused to give me any information regarding the event. 

3. XXXXXXXX XXXX XXXXXXXX XXXX in New Hampshire ( XXXX ) XXXX ) - I noticed the request for my score and called the Bank. They informed that any type of account requested was immediately cancelled, but no more information was given. 

A legitimate inquiry I recognize is by XXXX, were I cosigned a student loan for my son, around the same time.
Consumer complaint received 2020-09-08
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: Experian Information Solutions Inc. (FL)

MY INFORMATION WAS USED FRAUDULENTLY TO OPEN ACCOUNTS THAT DO NOT BELONG TO ME THESE ACCOUNTS LISTED WAS OPEN BECAUSE OF FRAUD ALSO THERE ARE SEVERAL FRAUDULENT INQUIRES ON MY CREDIT REPORT THAT SOMEONE ELSE USED MY NAME AND SOCIAL I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I have contacted the credit bureaus to remove incorrect name, addresses, phone and to correct date of birth with no success. Some of these are connected to an ex-spouse that was not on any accounts with. There are also names and address that I have never used that are on my credit reports. My name changed in XXXX and I still can't get them to update it correctly. All of my creditors have the correct information on file and say they report it correctly. I have provided proof of my personal information with no success. This has been done several times in the past but the most recent was XX/XX/XXXX. 

The following should be removed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

I'm writing regarding a collection entry from your agency on my credit file. This entry is concerning because : 1. I was not previously informed about this collection.

2. I have serious doubts about the accuracy of the claimed debt.

As per the Fair Debt Collection Practices Act, I formally request : 1. Full validation of the debt in question.

2. Appropriate actions to address this issue.
Consumer complaint received 2020-09-08
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: EQUIFAX, INC. (FL)

MY INFORMATION WAS USED FRAUDULENTLY TO OPEN ACCOUNTS THAT DO NOT BELONG TO ME THESE ACCOUNTS LISTED WAS OPEN BECAUSE OF FRAUD ALSO THERE ARE SEVERAL FRAUDULENT INQUIRES ON MY CREDIT REPORT THAT SOMEONE ELSE USED MY NAME AND SOCIAL I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX   CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX  XXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$15000.00}