davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

I recently opened an XXXX  checking account and linked XXXX  consumer credit card with HSBC NA in XX/XX/2018. After making several charges on the card, any further transactions were declined as of XX/XX/2018. Since then, I have not been able to use the card OR access my online checking account. I have called repeatedly to HSBC and have been transferred to the security team ( XXXX ). This line simply puts me on hold for 2 hours and then disconnects the call EVERY SINGLE TIME with no one picking up. I have been calling every single weekday since XXXX, starting at XXXX EST, which is the opening time. I have NEVER had my call answered despite repeating this an average of 3 times a day. After being on hold for 2 hours, the line disconnects. If I try to call by the end of the day, I am placed on hold and then disconnected as of XXXX EST. Whenever I talk to anyone else at HSBC, they state that no one else can fix my problem and that is the only department that is authorized to handle this issue. They refuse to help and state that there is no supervisor, managing office, or alternate means of contact to resolve my issue. I am basically cut off completely from my checking deposits and credit card use. I have tried multiple other phone lines and twitter help. I have not had anyone attempt to call, e-mail, or text me for verifying fraud on my account, as is listed on the HSBC website. This is simply unacceptable!
Consumer complaint received 2022-02-22
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)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES that are inaccurate and were not my fault. Please remove the negative items from my credit report immediately.
Consumer complaint received 2021-06-11
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 (FL)

On XX/XX/2020, I purchased two tickets from XXXX XXXX for a XX/XX/XXXX trip to XXXX with my Capital One card. Total cost was {$1500.00} for each ticket. In XXXX the airline cancelled the flights due to Corvid. I could not reach the airline since the whole country was shut down. I contacted Capitol to dispute the charge. On XXXX XXXX 2020 Capital One credited my account for the charges plus interest. On XX/XX/2020 Capital One recharged the amount back to my account because they received a letter from XXXX on how they were going to handle the cancellation. It is now XX/XX/XXXX, almost a year since the flight was cancelled and I still have not received a credit and I am unable to reach XXXX and Capital One is unwilling to reverse the charge or help in anyway. Other family members who were in the same situation had no problem with their Credit Card companies reversing the charge. I am sure they got the same letter from XXXX 
I have been a long standing customer of Capital One and they way I am being treated is unbelievable. They are taking the side of the vendor instead of the customer.
Consumer complaint received 2021-03-10
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. (FL)

On XX/XX/2021 I sent a dispute letter to the credit bureau after reviewing my credit report. I noticed there were inaccurate items on my credit report and items that did not look familiar to me. It has been over a month already and I still have not received a response and my credit report is still showing the inaccurate items. These inaccurate items have been a huge obstacle in my life. After no response for over a month prior to completing this complaint I sent another letter demanding them to comply and conduct their investigation and respond. According to the law these items should be deleted because it has been well over 30 days and I have not been notified of any type of investigation taking place. I do not know what else to do.
Consumer complaint received 2022-02-22
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: Experian Information Solutions Inc. (IL)

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-02-22
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: Experian Information Solutions Inc. (NY)

This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. 
This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation that is binding me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. 
APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. 
I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of New York medical privacy rules . 
I also hereby reserve my right to take private civil action against you to recover damages.
Consumer complaint received 2021-07-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I thin

k I was involved into check scam. the guy tend to be hiring manager and makes me believe I got a job. then send fake checks to me and ask me to withdraw cash and send to their vendor 's account. they say it is for the computer and software. I make the deposit because I think the bank can check whether it is real check or not. then the check is withdrawn by the bank. The check is fake, and I lost service fee. why bank close all my account. I called the bank but there is no explaination. I reported on ReportFraud.ftc.gov
Consumer complaint received 2022-02-21
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. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-02-22
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. (AR)

On XX/XX/2022 I sent an dispute letter to all XXXX credit bureaus Experian, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all XXXX companies. It has been over XXXX day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/XXXX.
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sapphire Marketing Group, Inc. (CA)

XXXX collection is in violation of the " reaging '' laws under FCRA act. They claim my husband and I owe a debt first reported as delinquent on our credit bureau report by them in XX/XX/XXXX. After some research into what the debt was I realized this loan was taken out in XXXX and was sold to another company in the same year. At that time I did not pay Sapphire. This delinquent account never appeared on my credit report from the original lender nor did either of us named on the account get any notices that we were deliquent. This collection agency, I suspect, purchased this alleged debt and reported this as " new debt '' as of XX/XX/XXXX. I would like to know when the original lender reports this alleged debt as first going delinquent since that information was not reported on my credit report by ANY other entity until XX/XX/XXXX and only by this company. I want this removed our credit reports immediately under the FCRA law of " reaging '' that XXXX collections has clearly violated.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

This XXXX XXXX account was charged off in 2018. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should not include an active payment history. Need I remind you this also falsely manipulates the statue of limitations and the date of first delinquency has been illegally changed. Please note all changes after 180 days to charged off status is completely illegal
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This XXXX XXXX account was charged off in 2018. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should not include an active payment history. Need I remind you this also falsely manipulates the statue of limitations and the date of first delinquency has been illegally changed. Please note all changes after 180 days to charged off status is completely illegal
Consumer complaint received 2021-06-11
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 ()

PayPal closed my account with a very vague explanation and will not help me with getting it back up and going. On numerous occasions I have called and have been told many different things : If you are just creating a money pool with other bloggers I dont see an issue If there is an issue we will send an email with steps to restore your account to good standing The activity is high risk according to account management and when they take a closer look at your account you will no longer be able to do business with PayPal. This goes for any other accounts with similar information so I advise you to find a different payment method. 

I have not been able to get help from them for months and I want to be able to continue to use their services. I just remembered I could file a report on here as I feel they are not doing their part to resolve this amicably and it is effecting me a great deal as I have used PayPal quite frequently for more than a decade. The email linked to my currently limited PayPal is XXXX XXXX
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (MN)

I am a member of the XXXX XXXX XXXX. I write to lodge a complaint against American Express for misleading advertising, fraud, equitable estoppel, and violations of the SCRA and MLA. 

In XXXX, I found out that American Express waivers the {$700.00} fee for military personal. I reviewed their official policy and from other military personnel. It all left a strong impression that XXXX XXXX, who were on Active Orders, were entitled to waiver of the fee. 

I relied upon this advertising when I chose to apply for the credit card. I was approved XXXX XXXX XXXX I attempted my first MLA and SCRA applications in XXXX XXXX  for my Active orders lasting from XXXX to XXXX. I sent in my Orders. I follow-up midXXXX XXXX to be informed that my application was never received. I filled out another application for military benefits in midXXXX. Additionally, the Amex Special Team did the application for me and told me AmEx would reach out and affirmatively inform me of their decision in XXXX weeks. 

On XXXXXXXX XXXX XXXX, while on XXXX XXXX orders, I followed up against and I was informed they never received an application. I applied again and sent them my Orders, while being on active Orders. They told me again to apply again. I applied against XXXX XXXX XXXX 

On XXXX XXXX XXXX I followed up and was informed that I needed to apply again, which I did. I was told to wait until XXXX for a response from AmEx. I never received a follow-up. My Orders were completed XXXX XXXX XXXX. I inquired again to AmEx on XXXX XX/XX/XXXX XXXX to be informed that needed to apply once again and weight XXXX weeks. AmEx successfully avoided my request until my Orders expired, so they would have the ability to deny the fee waiver. After which, my applications started to seem to move. 

I waited. I contacted American Express on XXXXXXXX XXXX XXXX, who informed me that " We have processed your request for [ MLA & SCRA ], [ payment ] will be reflected in your account within 24-48 hours. No such request, waiver, or correspondence was ever reflected in my account within 24-48 hours. This was a lie. 

I contacted AmEx today to ask the whereabouts of my payment and was informed they never received an application from me. I applied again on XXXX XXXX XXXX, and uploaded all my Orders again. When I told the agent the reference number she gave was invalid, she aburbly ended the chat. I contacted them again and was referred to AmEx 's Special Team. They did my application, and said the DoD would be in contact with me. The DoD will tell them I am not on Active Orders, and AmEx will use it to reject the fee waiver officially. The Special Team lady told me that the benefit only covered Active, Reserves, but not XXXX XXXX, even those who American Express purposefully engaged in deceptive practices, which targeted the XXXX XXXX XXXX members. Upon their advertisements, I relied upon them to my own determinant.
Consumer complaint received 2022-02-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC (CA)

I submitted my form of payment was previously told it was accepted it, I certified mailed it and now come XX/XX/21 received a call from Acima and that they do not accept that form of payment they are in malfeasance of office that is a felony crime. I have asked them to mail me my form of payment back and stated that they have dispose of it, how have they so quickly disposed of it, when we were still discussing the form. Not even five minutes later.
Consumer complaint received 2021-06-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Medical Management, Inc. (PA)

I spoke to a manager and an employee was told they dont do Debt Validation letter to prove the debt is mine. Told me they sent one already I said I never got one and they told me they dont have validation letters just itemized bills that I have to send in personal information to get. Told me from XX/XX/2019 I have a bill for over XXXX}. Told me I could dispute it but will not give me anything to further know about the bill. And I do not want to claim the bill if its an error. The company was Financial Recoveries in New Jersey.
Consumer complaint received 2022-12-02
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. (NY)

I have submitted a dispute on XXXX confirmation number ending # XXXX. I demanded equifax to provide me a description of the procedure used to determine the accuracy and completeness of the information by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. XXXX. They have not done so. I called on XXXX. They did a new investigation and again stated information verified with no evidentiary documents. I spoke to an escalation supervisor XXXX XXXX at XXXX and he informed me that equifax is not required to follow that law. I asked is equifax governed by FCRPA he stated yes but that is one those laws. So equifax is willfully reporting information they have validated with any documents against me constant dispute
Consumer complaint received 2022-02-22
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. (TX)

On XX/XX/2022 I sent an dispute letter and hard inquiry removal letter to all three credit bureaus XXXX, XXXX, and Transunion to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/XXXX.
Consumer complaint received 2021-06-11
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. (FL)

On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days 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 hands of the wrong person.
Consumer complaint received 2021-06-11
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. (GA)

I submitted by writing a dispute to Transunion and XXXX. XXXX  opened the investigation XX/XX/2021 and Transunion opened the dispute XX/XX/2021. The investigation took longer then 30 days. As of XX/XX/2021 the dispute ares still open.