davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (MS)

For several months I have tried to fix my bill with XXXX XXXX XXXX I would call their 800 number and they would keep me on hold and constantly hang up the phone. I disputed the bill they sent me and waited for a new one which I never got. I also received a letter from them stating that they would cut it in half which I also sent to them and they did not honor what they wrote so I contacted their head office and send them the letter I was also told that one of the phones was free they never took it off the bill as well as the activations and half of specials was not on the bill after several months of waiting. I never got a bill after contacting the head office and sent them all documentation. As of today 's date I never got the final bill that was suppose to be half off and then 800 off the phone. I do not owe the amount of {$3700.00} as stated in the collection notice from Sequium Asset Solutions LLC the consumer has letters where XXXX XXXX XXXX promised to cut bill in half and as of today 's date that has not happened nor the {$800.00} credit nor the activation specials taken off of bill. During the time I had the phone it was constantly having to search for wi-fi even after they told me I had unlimited data. If I have unlimited why is the unlimited never working? I would call about this for I constantly required the use of WI-FI from other carriers after having to be billed full price for services not received.
Consumer complaint received 2023-07-26
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: Experian Information Solutions 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 XXXX 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 2023-07-26
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: Experian Information Solutions Inc. (CA)

I am sending this complaint the XXXX time following up my request for assistance to from Experian, XXXX and XXXX Credit Bureaus for the removal of inquiries from my XXXX credit reports. I understand that inquiries on my credit report can impact my XXXX XXXX, and as a responsible consumer, I strive to maintain an accurate and positive credit profile. Therefore, once more I kindly request your assistance, XXXX Credit Bureaus in promptly investigating and removing these inquiries listed below from my credit report : EXPERIAN : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc ()

Our complaint is against PayPal Holdings , Inc., XXXX XXXX, California, USA for withholding funds without reason for a period of 180 days. 

Withdrawals from our PayPal business account was frozen on XXXX XX/XX/2023. PayPal started an inquiry and requested information about our business and certain transactions. They emailed our clients to confirm if they received the goods they purchased. All information was submitted and we confirmed that our clients also confirmed that received their goods in good order. 

The inquiry process carried on until XXXX XX/XX/2023 when they informed us that we have satisfied all requirements and our account will be fully re-instated. After we received confirmation that our account was re-instated we tried to do a withdrawal. Immediately after our withdrawal attempt PayPal sent us a message that our account will be closed and they will withhold our funds for 180 days. 

The date of the transaction in question ranged from XXXX XX/XX/2023 to XXXX XX/XX/2023. 

PayPal is withholding XXXX XXXX after all goods have been delivered in good order and confirmed by the clients. 

We have tried numerous time to resolve the issue with PayPal, but they keep on saying we have to wait 180 days for our money. 

Our business account name is : XXXX XXXX XXXX, incorporated in the XXXX XXXX XXXX. 
The business representative is : XXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WI)

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sensible Auto Lending, LLC (IN)

My credit report shows a late payment for the month of XX/XX/2022 from sensible auto my finance company. This late payment dropped my credit score almost XXXX points, so i checked and i never went 30 days without making a payment.
Consumer complaint received 2019-07-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (MI)

I received a letter from GM Financial in XXXX of XXXX stating they were moving to a new billing system in XXXX. In XXXX of XXXX I received another letter from GM Financial stating they were having issues with their billing system and I should pay the statements I receive and they will eventually start billing correctly. 

My normal lease payment is XXXX XXXX/mo. and in XXXX of XXXX GM Financial began billing me incorrectly, so I paid exactly what was on the statement and assumed they would send me a statement to catch up on payments. 

Inaccurate statements for XXXX were as follows : ( I have copies of all of these ) XX/XX/XXXX - Total amount due {$30.00}. I paid {$30.00} ( No late charges XXXX XX/XX/XXXX - Total amount due {$30.00}. I paid {$30.00} ( No late charges ) XX/XX/XXXX - Total amount due {$30.00}. I paid {$30.00} XXXX No late charges ) XXXX XXXX - Total amount due {$430.00}. I paid {$1500.00} XXXX No late charges ) **May XXXX - Total amount due {$540.00}. I paid {$540.00} ( No late charges ) *In XXXX of XXXX I was contacted by a collections agency stating they were going to repossess my XXXX if I didn't pay {$1500.00}. 
**In XXXX of XXXX the account started billing correctly. 

When I was told my account was in collections I paid the {$1500.00} they wanted and immediately contact GM Financial to be sure this would not affect my excellent credit score. Customer service was less than helpful at first. The first representative I talked to said I should have been making my regular monthly payments, my credit would be affected, and she asked if I " Only paid the amount due on all of my invoices '' - I answered " Yes '' and asked for a supervisor who again wasn't very helpful. After several calls back and forth I finally got someone who looked into everything and he told me this was happening to quite a few people and apologized on behalf of GM Financial. He told me they did report this to the credit agencies, but I would be able to dispute it w/o issue and he said it would be noted on my account. 

My credit score did take quite a hit from this and when I filed a dispute it was denied. I did everything GM Financial asked of me, I paid all of the statements that were sent to me ( on time ), my statements show all payments were on-time, and GM Financial did not contact me a single time to tell me they were sending my account to collections or my vehicle was being sent to repossession. 

My current credit score has one blemish - 30 days late - GM Financial - XXXX and GM Financial is completely to blame for this. I recently had to take a higher mortgage rate because my bank sees late payments as a risk. The mortgage APR I was hoping to get was 3.99 % and I had to take one at 4.125 % Again, I have never been late on ANY of my payment to ANY of my creditors.
Consumer complaint received 2024-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NJ)

I am writing to inform you of fraudulent accounts on my credit report that are severely impacting my financial standing. It has come to my attention that there are entries that do not belong to me, tarnishing my creditworthiness and financial reputation. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Remove the fraudulent accounts off my credit report now! Other bureaus fixed it, so can you. Your lack of action is not just wrong but illegal delete those unauthorized accounts immediately, or face legal consequences. Take this seriously, act now, and ensure my credit report is accurate. I won't tolerate your delay in fixing this remove those accounts immediately! XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance {$4000.00}.
Consumer complaint received 2020-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I called XXXX and left a detailed message for her to return my call on Wednesday, XX/XX/2020. I have now given her a week to return my call, and I have not heard from anyone. The letter claims that my account was fixed on XXXX, which is a lie and I have pages of documented evidence showing that my balances for posted items changes everyday, making it impossible to audit my account. The letter claims that it never effected my availablebalance. Just now on XX/XX/2020 I received an email that my balance was below {$100.00} at {$39.00}, which did not match my checkbook register of {$42.00}. Then when I pull up my bank account to see if I missed entering a transaction, I see that the bank claims my available balance is {$270.00}. I have enclosed documentation for these items.Ever since online banking became available, I have made every decision based on my available balance. I found myself many days spending money they claimed was there, only to discover it was not there. I have lived under extreme stress and confusion for nearly 2 decades. There were times when I did keep a checkbook register and when my balance did not match the online banking I would adjust it because I believed a computer. This led to at least half of my overdrafts if not more. I was spending money I was told I had, but actually did not. I have spent that last year carefully watching my records and keeping a detailed register only to discover that my available balance is not accurate most days. I no longer trust that balance. Capital One continues to send me letters that has nothing to do with my situation, or like this most recent one it is filled with lies. They aren't returning messages. I want my overdrafts refunded, as they have been deceiving me and who knows how many other customers. They have yet to provide documentation. I was promised a full audit, that if it ever happened was not given any information on. A company who can not or will not prove that they have not been committing fraud is one knows they have done exactly what my documentation shows but refuses to acknowledge it. My husband and I are switching banks, but we are waiting for restitution. This is not going away, as I continue to document every deception on a regular basis. My evidence is irrefutable.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to a file a complaint regarding charge-offs listed on my credit report. These charge offs should be removed from my credit report and any associated negative impact on my credit report. Code 15 USC 1681e ( b ) supports my reasoning. XXXX XXXXXXXX XXXX XXXXXXXX the account was closed on XX/XX/XXXX the debt is {$4000.00} and was charged off as a bad debt and canceled by credit grantor and sold, XXXX XXXX XXXX XXXX closed on XXXX XXXX charged off as a bad debt and canceled by credit grantor and sold, the debt is {$2500.00}, XXXX XXXX XXXX XXXX closed XX/XX/XXXX charged off as a bad debt Profit and loss write off the debt {$14000.00}, XXXX XXXX XXXX XXXX closed XX/XX/XXXX canceled by credit grantor, the debt is XXXX. I was not provided with a form 1099-C for the canceled debt, which is mandatory under IRS regulations . This further complicates the situation and highlights the need for a thorough investigation into the accuracy of the reported charge-offs. I am seeking the removal of the charge-offs and any associated negative impact on my credit score.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (OH)

someone either got access to my account, my debit card, or a combination of the two. I disputed many transactions, most of which were refunded by the company, because they realize they were fraudulent. However, my bank then again had reversed transactions ; which were all fraudulent may have taken a little more time to re-search, and then again withdrew my money even though it was fraudulent activity on my card. 

I repeatedly asked them to escalate the transaction and reverse them They continuously say theyre doing that, and then nothing ever happens. 

I offered to make a police report and sign an affidavit. They said that wasnt necessary however, theyre still taking the money out of my account. 

can you please help rectify the situation theyre taking advantage of me I have other bank accounts, and I have no issues with this is the only one! 

Also remove any issues with any banking systems that were involved, because I definitely dont trust him at this point
Consumer complaint received 2020-01-15
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. (IL)

I was an authorized user on my father 's XXXX  credit card. He passed away. I never gave my permission and did not know I was authorized for this card. I never used the card. 

XXXX  credit card has told me I am responsible for my late father 's debt on two separate phone calls. This is false and illegal to tell me that I'm responsible when in fact I am not. They have added derogatory information on my credit report that took my score from XXXX to XXXX.
Consumer complaint received 2019-12-09
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: JPMORGAN CHASE & CO. (MD)

Hello The problem is that vendor sent me return info, after Visa discussed it with them, and then they sent me two different addresses { copy provided in docs }, i was not able to figure out which address to use, so I sent them an email so that they could tell me which place was the appropriate address. 

I have included all the documents that I thinks reflects that I have earnestly tried to find out what address I should send this product back too, a clarification on their part could have easily resolved this matter, by updating a correct address. It is hard for me to guess where I should send the product too All docs have been provided to Visa, I also sent a letter recently to the Maryland Attorney General Consumer Affairs, and they have advised me to contact you folks. Copy of letter provided below. 

In Conclusion, we believe that Chase did not follow up with us nor take our problem serious, in order to see that we have tried to follow up for months on end, and get nothing about a run around from the Vendor and then even from Chase themselves, it was like our documented case was nothing of value to them, but we work hard to get the money to have purchased this item, which we had properly asked to return. 

thanks from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2020-01-15
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: American Elite Recovery, LLC (TX)

American elite recovery called me numerous of times to collect a debt from the XXXX XXXX of {$570.00}. They also called my father telling him his daughter was going to be arrested at work. So I paid the XXXX on XX/XX/2019 and its still on my credit when they stated they took it off now I get the run around and they dont even have a website. File number was XXXX account XXXX their number is XXXX
Consumer complaint received 2020-01-15
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: JPMORGAN CHASE & CO. (FL)

This company has placed UNAUTHORIZED credit inquiries on my credit report!! 
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

Furthermore, I did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX