davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-02
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)

On XX/XX/2021, I signed an agreement with XXXX XXXX XXXX to remove a tree that was leaning towards the front of my home. This tree was assessed by an employee of XXXX XXXX XXXX, who provided the estimate on XX/XX/2021, for an agreed upon fee of {$4500.00}. I put {$900.00} down as a deposit on XX/XX/2021 on my Capital One Credit Card with the balance of {$3600.00} due upon satisfactory completion of work. On XX/XX/2021, several employees of XXXX XXXX XXXX came to my home to undertake the agreed upon scope of work, excluding the original employee who provided the estimate. XXXX XXXX XXXX cut down the wrong tree and damaged exterior lighting. I made the same known to XXXX XXXX XXXX via e-mail shortly thereafter. On XX/XX/2021, XXXX XXXX XXXX billed my credit card without my consent for {$3600.00}. On XX/XX/2021, I called Capital One and filed a dispute and received a credit of {$3600.00} on my account pending a final resolution on the matter. 

On XX/XX/2021 at XXXX XXXX, I received an e-mail from XXXX XXXX XXXX stating, We would like to resolve everything. We would like to come and cut down the tree that is marked in the contract. Please call the office. I believe that one would assume that XXXX XXXX XXXX has admitted fault with this e-mail. Clearly, if XXXX XXXX XXXX is offering to come to my home and cut down the tree that is marked in the contract, then surely, they didnt cut the right tree down in the first place. 

On XX/XX/2021, I replied to XXXX XXXX XXXX via e-mail, accepting their offer of removing the correct tree and to settle the matter. Shortly thereafter, I telephoned XXXX XXXX XXXX and they changed their mind. On XX/XX/2021, Capital One sends me a letter informing me that they have reversed the {$3600.00} credit, originally provided by on XX/XX/2021 and require the following documentation from me to continue my dispute : 1. A copy of the sales invoice/purchase agreement and information and/or evidence to support how the merchandise ordered differs from what was received. 
2. A copy of the service proposal/invoice between XXXX XXXX XXXX and myself dated XX/XX/2021. 
3. An estimate from a tree expert recommending removal of the correct tree 4. A statement that quantifies the merchants attempts at resolving the problem. 

All of the information requested was provided to Capital One on XX/XX/2021. On XX/XX/2021, I receive a letter from Capital One stating that they have received my response and " it lacks all of the previously requested information needed to validate your dispute and we consider your case closed. '' I called Capital One Dispute Center a few days later and the representative there even disagreed with Capital One 's decision. Clearly, Capital One arbitrarily ruled in favor of the merchant despite the overwhelming evidence presented.
Consumer complaint received 2021-10-02
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: Experian Information Solutions Inc. (TX)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all three Credit bureaus and they have Ignored my verified clams and are unlawfully and illegally reporting fraudulent accounts and information on my credit profile. 

Names Fraudulently XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Addresses Fraudulently listed XXXX XXXX XXXX  XXXX  XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XX/XX/XXXX DEPT OF ED/XXXX  - XXXX - {$7400.00} DEPT OF ED/XXXX  - XXXX - {$4800.00} XXXX  XXXX - {$850.00} US DEP ED - XXXX - {$5500.00} US DEP ED - XXXX - {$7000.00} US DEP ED - XXXX - {$970.00} US DEP ED - XXXX - {$640.00} US DEP ED XXXX XXXX - {$1500.00} XXXX XXXX  XXXX  XXXX  XXXX XXXX - {$600.00} ( Original Creditor : XXXX  XXXX  ) - XXXX - {$6300.00} XXXX XXXX - XXXX - {$410.00} XXXX XXXX  XXXX - XXXX - {$700.00} XXXX XXXX - XXXX - {$3700.00} XXXX  XXXX XXXX XXXX {$8700.00} unauthorized Inqiures XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX 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 2021-10-02
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: EQUIFAX, INC. (FL)

On XX/XX/2021 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-16
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. (NY)

accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

The Bureaus claim they investigated and verified said account in dispute. Congress says in order for them to have conducted an investigation they have to have Spoken to neighbors, friends or associates etc, and if they spoke with them the information Provided can not be factual. 

I have even reached out to the UNited States XXXX District of Georgia Bankruptcy court in which I will attach documentation to this complaint as well. The Courts do not provide information to the bureaus so in fact the very fact that they are hosting this information on my report without consent and proper procedure shows that the bureaus are in FACT disregarding the LAW!
Consumer complaint received 2021-10-02
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. (FL)

On XX/XX/XXXX, XXXX I sent a " Request for Investigation '' form to Transunion to have 2 companies removed from my report. The first was XXXX XXXX whom was the subject of a lawsuit in which the were found at fault. 
The second was a collection company who had bought a debt from a company I had never had any dealing or knowledge of. 
Transunion did not do any investigation into either account and just sent me a reply on XX/XX/2021 that both accounts were verified and updated. So both accounts are still on my report.
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (IN)

I sent a letter to this company about missed payments during covid and they sent me back an inaccurate letter. I also disputed it on XX/XX/2021. Then I sent out a response certified mail and had it notarized Monday XX/XX/2021. I also included an invoice with all the violations that this company committed.
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I have some major issues and major errors on my credit report that I need addressed immediately. My name is XXXX XXXX XXXX. My SS is XXXX. 
My DOB is XX/XX/XXXXPlease remove delete ANY OTHER name and SOCIAL SECURITY NUMBERS. the following addresses are not accurate please delete them : XXXX XXXX XX/XX/XXXXXXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX PL # XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX, OH XXXX
Consumer complaint received 2021-10-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

My PayPal account was frozen ( limited ) and I cant use it or get my funds that are in my account for 180 days. 
Late XXXX XXXX I had to open a PayPal account to cash in on some winning from XXXX sports. It was the only way that I could claim my winnings because it was the only way that they would make the payment. As long as it was open I decided to start having my rewards from other sites transferred into the new PayPal account. 
On XXXX XXXX, XXXX I received an email that my PayPal account was limited ( frozen ) and I could not use or have access to my funds, I would be notified after 180 days as to how to get my money. There was no explanation as to why my account was frozen, ( only a link to possible reasons, none of which seemed to apply ). The only things that I did were to deposit funds, check my balance and try to apply for a PayPal card. None of these actions should be a violation of rules. 
I called customer service to try and clear up the situation and was told that they could not see any reason why the account was frozen and that it would be restored within 24 to 48 hours after a review and I would get an email when it happens. 
Five days later I still did not receive a reply and my account was still frozen. On XXXX XXXX, XXXX I called customer service again and again I was told that they could not see any reason why my account was frozen and that there was no update to the status of my account and that they would send another request to the reviewing department. I was also asked to send a copy of a photo ID which seemed unnecessary because they already had information on me like my SSN. I reluctantly sent their request. 
As of XXXX XXXX, XXXX after 11 days there was still no response to any of my calls and my account is still frozen so I filed a complaint with the XXXX. 
I received a response that the account would remain frozen and I would receive instructions to get my deposits back in XX/XX/XXXX. 
This all stems from the use of a VPN when I accessed my account. 
In the mean time I have a reward that is in limbo. It was supposed to deposited into my account but they cant deposit it because of the freeze and I dont know if I can get credit or some kind of refund for it. 
How can they arbitrarily freeze peoples accounts and use the same excuse of risky activity and hold on to their money for 180 days? 
How can I get my account restored?
Consumer complaint received 2021-10-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

Last year I told Comenity Bank that I wanted to pay off my entire balance on a credit card they serviced. In XXXX I got a phone call that I still had a balance with them, but I had not used my card. I paid this balance again thinking it was a mistake on my part. In XXXX I got another call from them saying I had {$100.00} balance, but once again I had not used the card. They are telling me that I had a late charge that gained interest. I have told them multiple times to pay off the card but they still keep finding ways to charge me when Im not using my card.
Consumer complaint received 2021-10-02
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: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent a letter to XXXX, Equifax, and XXXX to investigate incorrect information on my account. As a result, they never responded within the 30 days allowed for investigation. 

This is my second letter I am sending to them requesting an investigation on inaccuracies appearing in my credit file. The most recent letter was sent 30 days ago, with no response from your company. I was again requesting that you investigate the accounts listed in the letters. 

Since they did not respond within 30 days, I will assume that they are not able to verify this information and will remove it from my credit report. Federal law requires you to response with 30 days, days, yet you have failed to do so. I am maintaining a log of all corrections sent to your company from future legal actions if continue to ignore my requested. I would expect that you send me an updated credit response for my files.
Consumer complaint received 2019-11-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

The Company, Hyundai Motor Finance states in my complaint that the company has closed the account, supposedly paid as agreed. Which is true. I never missed a payment or was late. In fact I paid off a 72 month loan ( which I took for a dealer low interest rate of 1.9 % ) in about two years. Apparently this angered them. So while they kept accurate records of my on-time payments, which of course they had to do, they punished me by listing my total balance owed for about two years by never reducing it, if fact the they kept my amount due at {$11000.00} and never reduced it when payments were made. 
Of course this damaged my credit rating and an examination of my account ( if they would show you ) would show that as a 20 Year XXXX Vet, I am not lying. To this day, years later, a look at my Hyundai records will show you exactly what they did. 
Now I'm not looking to make money off what I consider is just pure incompetence, but if they won't adjust my balance due, which is still harming me financially, I will bring suit. 
They refuse to say anything except the case is closed. But it's not closed and they know it. They are just to vindictive or incompetent or lazy to fix my payment balance. 
XXXX XXXX XXXX XXXX-Ret XXXX
Consumer complaint received 2021-10-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc. (SC)

Nationwide Recovery is trying to collect a medical debt i have no knowledge of. They are reporting this debt to the collection agencies falsely without any type of validation. This is a violation under the FDOPA. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. 

XXXX, XXXX, and XXXX are saying the account is verified without stating how this account was verified. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and a respect for the consumers right to PRIVACY.
Consumer complaint received 2021-10-02
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. (OH)

XXXX, Equifax and XXXX refuses to remove inaccurate reporting information on my credit report. I submitted proof of conflicting information that was stated to be verified by XXXX, XXXX and Equifax. XXXX stated they will not remove information based on what is presented from other agencies. All agencies stated verified information from original account holder. The most recent example is from XXXX XXXX XXXX. All XXXX agency 's stated account was verified, XXXX After contacting the original creditor and presented a letter to Contract Callers, XXXX, XXXX and Equifax advising of accounting error. On XX/XX/2021 XXXX XXXX that original account holder that sold to Contract Callers confirmed at XXXX the balance was incorrect, payments were not applied to account correctly and account should not have been sent to collections. No good faith investigation to verify inaccurate information was conducted on the first or second attempt by XXXX, XXXX or Experian or XXXX XXXX XXXX. I have sent all three agencies a merged XXXX agency report showing factual discrepancies in their investigation and reporting but all came back information verified, which is not possible. I have since filed a small claims lawsuit against XXXX, Equifax and XXXX in small claims court in XXXX, Ohio for damages and removal of account.
Consumer complaint received 2021-10-02
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: STERLING JEWELERS, INC. (IL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over XXXX days and I haven't received any investigation results.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Security Credit Services, LLC (MI)

On XX/XX/2023 Consumer sent SECURITY CREDIT SERVICES XXXX XXXX XXXX XXXX XXXX XXXX a communication by certified mail green return receipt regarding the furnishings of an alleged unknown debt that I noticed on my consumer report. The communication was returned to me after about XXXX as ATTEMPTED-NOT KNOW UNABLE TO FOWARD I am unsure why it was returned seeing the address was the same shown on the consumer report.
Consumer complaint received 2022-05-26
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: Sequium Asset Solutions, LLC (IL)

There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case SEQUIUM ASSET SOLUTIONS is attempting to collect as XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want XXXX XXXX per violation or remove account
Consumer complaint received 2022-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I filed a dispute with Chase for {$2100.00} after my debit card has been stolen from my vehicle and I requested that Chase to send me a new debit card through XXXX, not through my mailbox because I live in the bad neighborhood. I was unable to get my charges back and I even contacted the merchant and they didn't respond. Chase denied my claim and never return these amount back into my account and threaten me that I can not open any account with Chase again.
Consumer complaint received 2021-10-02
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. (CT)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.