davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (OH)

Notice for Proof of Claim Account : Sequium Asset Solution account XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX 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 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I challenged the validity of a Bankruptcy that's being reported on my most recent credit report. Upon Challenging this, XXXX ( credit Bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Experian and XXXX  they have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information they used to verify this account in writing. If such documents can not be produced I request them to please DELETE this account from my credit report immediately.
Consumer complaint received 2020-09-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (KS)

I was having issues accessing my account so I reached out to Citi Bank only to be informed that my account was pending closure, I had not received any notice of this and they gave me conflicting reasons every time I contacted them as to why the account was being closed. Citi bank then closed the account on XX/XX/2020, a check in the amount of {$1600.00} was to be mailed and received by XX/XX/2020 at the latest per Citi Bank. Money has not been received as of XX/XX/2020. Multiple calls have been made to Citi Bank on the following dates : XX/XX/2020, XX/XX/2020, XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. On numerous occasions Citi Bank stated they would escalate the situation, they would overnight the check, they would transfer the funds to the other Savings account I hold with them. None of this has happened even after speaking with several supervisors.
Consumer complaint received 2021-04-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC. (WA)

RE XXXX Case Number : XXXX XXXX : DISPUTE AMOUNT OF DEBT {$9600.00} Dear XXXX XXXX XXXX Exeter Finance Corp. : We are notifying you within 30 days after receiving this notice on XX/XX/XXXX that we dispute the validity of this debt or any portion thereof. We have included documentation of payment history from the Trustee, and a cashier check for the balance. See Attached. 

On XX/XX/XXXX we purchased a cashier check from XXXX XXXX  for {$3100.00} to Exeter Finance LLC. and sent it by US Mail Certified Mail Receipt to the address above. Account # XXXX XXXX. According to XXXX XXXX  the cashier check for {$3100.00} was CHASHED ON XX/XX/XXXX. Exeter Finance Corp. Cashed our final payment of {$3100.00} and SOLD the loan to XXXX XXXX XXXX XXXX XX/XX/XXXX a month later. 
SEE ATTACHED. 
According to the Tracking number XXXX XXXX XXXX XXXX XXXX the Cashier Check was received by Exeter Finance LLC on XX/XX/XXXX and was signed for. We spoke to several customer service representatives, prior to selling our loan to XXXX XXXX XXXX. We need you to investigate the misappropriation of our funds that should have paid off our loan in full. We want the Title of our XXXX XXXX XXXX sent to the above address. If we dont hear from you in a timely manner we will file a claim with the Consumer Financial Protection Bureau FRAUD DEPT.
Consumer complaint received 2020-09-25
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (IL)

In XX/XX/2020 during the initial onset of COVID-19, I called PNC and specifically asked how forbearance would affect my credit reporting because I was skeptical about entering into a forbearance program. The agent told me on a recorded line that the loan would be marked " paid as agreed. '' Based on this information I entered the forbearance plan. During the forbearance plan period, I continued to make regular payments as usual. It turned out that I was able to get an emergency loan and I did not need the forbearance plan at all. After 3 months, I exited the forbearance plan and continued to pay the loan on time as agreed. 

Today, my credit report shows my PNC loan payments for XXXX, XXXX, and XXXX marked as " No data '', with only the XXXX payment " Paid as Agreed. '' In addition, the loan account falsely continues to have the remark " Affected by a natural disaster. '' As a result of this, I have been denied a new home loan. 

PNC lied to me about how forbearance would impact my credit reporting. I know for a fact that other companies are not reporting forbearance in this way. I used forbearance as a safety net, made regular payments and exited the program as quickly as possible, and PNC believes I should suffer with a scarlet letter on my credit report for that.
Consumer complaint received 2020-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, XXXX  and Transunion are reporting inquires I do not recognize. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX  : XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX ( x2 ) XXXX : XXXX XXXX XXXX XXXX XXXX ( x3 ) XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX ( x2 ) XXXX XXXX XXXX
Consumer complaint received 2021-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Capital One solicited me to apply for a credit card. They offered an inducement that I would receive 3 % cash back for entertainment purchases. The advertisement specifically cited " theater tickets '' as the kind of purchase that would receive the reward. I liked that offer, so I applied. I used the card at least four times to purchase theater tickets. However, I did not receive the promised reward. On XXXX spoke to XXXX ( And later XXXX, a supervisor ). She did not dispute the advertisement specified theater tickets, and she did not dispute that my purchases were for theater tickets. However, she insisted Capital One would not honor the promise. She described data processing problems that somehow caused Capital One 's system to categorize my purchases in some other way. I can accept that errors can occur in data processing, but I asked her to correct the errors. She asserted that there was nothing she could do, but that is not credible. Capital One can correct a mistake when the mistake is brought to their attention. Also, if Capital One has data processing problems so bad that four transactions in a row are mishandled, and they are unwilling to correct such mistakes when they are discovered, then it is irresponsible for them to advertise that they can identify theater ticket purchases and grant rewards. It appears to me that the truth is that Capital One advertised this offer knowing that they could not, or would not, honor it. It was just a cheap way to mislead me into applying for a credit card that was otherwise worthless to me.
Consumer complaint received 2021-07-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION (PA)

They ran my credit without my Consent on XXXX and opened an fraudulent account and have been reporting it late ever since damaging my credit.. I contacting them with a pay to delete letter on XXXX and by them cashing my check the agreed to delete the account the never removed and are still reporting it late
Consumer complaint received 2021-02-09
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. (PA)

On XX/XX/2021, Transunion credit bureau failed to update my score accordingly although I notified them in XX/XX/2021 that I no longer had an auto loan balance at XXXX XXXX XXXX due to the vehicle being paid off. In addition, Transunion failed to update my score in which a debt with XXXX XXXX in the amount of {$750.00} was removed from credit report but did not increase my credit score.

There is an ongoing issue in which Transunion quickly decrease my credit score but fails to increase my credit score when accounts are improved or paid off.
Consumer complaint received 2021-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not authorize these inquiries on my account. Please see that following : XXXX XXXX, Inquiry Date XXXX XXXX  XXXX XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX XXXX  XXXX, Inquiry Date XXXX XXXX  XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX These were reported to XXXX, Transunion and XXXX. I have not gotten information back regarding my complaints. These items are still on my credit reports. 

Due to the inaccurate information reported by these companies, my credit has been severely damaged. I am requesting that this information be investigated and the findings corrected and or removed from my file.
Consumer complaint received 2021-04-06
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: MoneyLion Inc. (CO)

I SUBMITTED ID THEFT DISPUTE TO ALL THE OF THE MAJOR CREDIT AGENCIES WITH FULL POLICE REPORTS. XXXX  AND XXXX  WE'RE ABLE TO REMOVE THE FRAUDULENT ACCOUNT BUT XXXX REFUSES AND REFUSES TO PROVIDE INVESTIGATIVE DETAILS FROM THE COMPANY IN QUESTION THAT PROVE THAT THIS ACCOUNT IS MINE. THE REFUSE TO BLOCK THIS ACCOUNT AS IS MY RIGHT PER THE FAIR CREDIT ACT
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (CA)

Tuesday, XX/XX/XXXX : It brings me great sadness of how the employees continue their unacceptable and discourteous behavior toward a loyal customer of theirs who finally had to close her accounts on her own accord in the email addressed to Mr. XXXX on XX/XX/XXXX after he ignored me three times to reach out to him when he chose to break his promise of not calling me back on Friday, XX/XX/XXXX to close my accounts. 

While I was asked to reach out to a " XXXX '' whom I've now emailed a total of three times to get my money, she too, among the rest of the other negligent and malicious employees listed previously, she too has completely ignored me. What an extremely audacious and insidious group of people they are. They really are all asking for it. 

Also, such preposterous, absurd, and extremely audacious people furthermore refuse to communicate directly to me. It was bad enough that that Ms. " XXXX, XXXX '' broke confidentiality laws by forwarding me all of my emails to that trouble-maker XXXX without asking for my consent first, etc. This group forwards correspondence like the wild-fire to one another without the person 's consent -- there really shouldnt have to be a confidentiality waiver attached to each person 's email to this group. Nevertheless, I had a confidence waiver at the end of each of my emails to them. 
That's right, they expect confidentiality of their emails to be respected, yet this buffoon of a group refuses to respect other 's own privacy even when I have taken the initiative to put a confidence waiver at the end of my emails. 

Despite me now reaching out to " XXXX '', she too has neglected her " due diligence ''. 
Additionally, US Bank continues to communicate to another party about my private business affairs instead of communicating directly to me to wire my money, with no fees, period. Today, XX/XX/XXXX, another separate party notified me that Us Bank is communicating with them about my private affairs to them and NOT to Me, AGAIN. 

This group is really asking for it and has everything horrendous in this world coming their way. 

I want all my money back in my -reopened accounts so that I can wire the money accordingly to the way I see fit to my new banks. 

ATROCIOUS. 
UNACCEPTABLE.
Consumer complaint received 2020-10-07
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: CREDIT ACCEPTANCE CORPORATION (MA)

Good evening, and how are you? This is going on for almost 90 days and i haven't received any responses from my previous disputes about this Credit Acceptance. This account was actually deleted or removed from XXXX  and XXXX due to several violations on reporting but XXXX  continues to ignore my request for deletion. It's illegally re-aging my account because it's reporting incomplete, unverifiable, and inaccurate information. There is no way that this could've been verified or looked into. Again, Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of
consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2021-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XX/XX/XXXX to ; Consumer Financial Protection Bureau, U.S.Dept of the Treasury, Comptroller of the Currency, All credit reporting agencies, Capital One credit card re ; closing of account # -- -- -- -- -- XXXX, XXXX XXXX I am writing this letter, for a couple of reasons. Mostly to find out why, after over 20 years of having an account with Capital One, they decided to close my account. Not only close my account, but doing so without any apparent reason, and without warning or notice. That left me scrambling to make sure that all my creditors who were being paid by that card, didn't get a lapse in payment. 

A few weeks prior, my bank account was compromised, and that was also quite a mess. I had to scramble and notify every facet of my life that I had, to change my bank account info. Including Capital One. My payment fell into that day that everything was locked, and my bank turned that payment away. I called as soon as I saw that issue and discussed it with them. After a few days, and the billing cleared up, I payed that, and the next amount due. 

I understand that the banking industry has an incredibly strong lobby presence, and the ruling in XXXX 0r XXXX, gave the right for the bank to close any account they want to, without warning, for any reason, any time they want, and not contact the account holder for 10 days to 2 weeks. So that may be legal, but certainly not fair or ethical. 

About 10 years ago, I had a business that went under because I couldn't keep it running due to illness. I had a huge debt that I incurred, not only to suppliers, but to credit card companies. By all rights, I should have done a bankrupcy, but I did not, because of my ethical beliefs. I kept the Caital One card through it all and have restored my credit to good levels. 

I tried to talk to someone at Caital One when we found that the account was closed, but no one would give me a chance to talk with someone, who could explain what the problem was. They said that I would be contacted by mail in 2 weeks. I was told that the office resposible for the closing of the account, didn't have a phone that is accessible to the public. That's about 2 weeks ago, and I still have not heard anything. 

The closing of this account also lowered my credit rating by about 25 points. That is something I guess I have to live with. 
Of course I'm going to pay my last bill at Capital One, even though I've lost cash back from the closing of the account, because that's what I believe is right. 

thank you, XXXX XXXX
Consumer complaint received 2020-10-07
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 (NE)

on XX/XX/2020, I made an payment by phone for {$130.00} to be taken out of checking account. For Capital One Credit Card. Next statement I was shocked, Capital One took out {$4700.00}, on XXXX XXXX that was taken out of the checking account. Started calling Capital One on XXXX to dispute this transaction as unauthorized. XXXX called two times, XX/XX/XXXX called and XX/XX/XXXX called 6 times. XXXX called 2 times. sometimes Capital One rep would hang up on me. On XX/XX/2020 my bank sent a letter demanded Capital One return the funds. I received back an unsigned form letter, that states they will not return the funds. The bank has showed a 2 year track record of making {$130.00} payments. I have asked, then demanded that Capital One provide me and the bank with the audio recorded transaction. Capital One will not provide us that copy. 
On XXXX XXXX Capital One rep, XXXX personal ID # XXXX told me she had authorization to return the funds. When I called back and asked for her, because funds where not returned to the bank, no one could find this person.
Consumer complaint received 2020-10-08
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (LA)

A month ago I called Freedom Mortgage about refinancing my 30 year mortgage to make it a 15. I was recommended to just refinance my home at a 30 year loan for .5 interest rate lower at no cost. I said yes and then the next day decided no, I wanted to do a 15 year mortgage. I was communicating with the loan officer through email, so the next day I told him I changed my mind and I wanted more information on the 15 year loan. He didn't respond to my email so I emailed him again and he didn't respond. So I called Freedom mortgage to request a quote on refinancing at 15 years ... .they said they would send the information but never did. This happened 5 times, I called 5 times and talked to a person and they said they would send me a quote but never did. I even talked to management but I still have not received a quote. This has been going on for ONE MONTH. I have paid my mortgage on time for the last few years. I believe they are doing this because they know they will lose money and have no need to help me.
Consumer complaint received 2020-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (NY)

harvard collections claims i owe them {$2400.00}. i do not owe them any money at all. this is inaccurate and its is very unfair becuase it is damaging my credit report with wrong information. it is creating an issue for me to purchase a home.