davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (FL)

I have made multiple attempts to get this debt verified. I even contacted the original company since I have sent 2 certified letters to Sequium Asset Solutions , LLC and the only correspondence I have received is the amount owed not the original information. I dispute this debt is owed and this company will never send me any information on the original debt. As a consumer I have a lawful right for this collection company to verify the debt with the original debt with dates of services and the first date of delinquent payment. enclosed the only correspondence that I have from the company. I took it into my hands and contacted XXXX XXXX XXXX and enclosed is the only services that the copy only had on file for me. According to those documents this debt is too old to lawful to be showing on my credit report. I need this company to send me the original correspondence from XXXX XXXX XXXX not just numbers and verify this debt is owed. I have sent the verify letter twice.
Consumer complaint received 2017-10-10
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 (VA)

What is the complaint about? 
Capital One negligently refuses to credit my account from a third party vendor ( XXXX XXXX for a purchase XXXX {$670.00} XXXX back in XXXX XXXX, XXXX even though that vendor XXXX XXXX XXXX agreed to credit my account {$570.00} minus a {$100.00} change fee on XXXX, XXXX, XXXX. I have spoken to Capital One customer service reps for months in XXXX trying to confirm that they received the information that they needed from me and not once did they say the information they needed was delayed. They failed to process my return in good faith and were deliberate in continuing to keep the amount on my credit card. Not only that, multiple rebills appear on my statements.
Consumer complaint received 2021-02-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO. (SC)

Ford motor credit repossessed my vehicle while I was in the hospital for 64 days, having advised them suffering for XXXX XXXX without notice to make payment current, without notice of repossession, without notice of sale. The lender is required by law to have notice delivered by verifiable mail with tracking.
Consumer complaint received 2021-02-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RS Clark and Associates, Inc. (TX)

I called RS Clark & Associates on XX/XX/2021 to resolve my debt. Before I was able to fully explore my options, the Rep cut me off and let me know that I wasn't able to settle my debt. When looking into a payment arrangement, I was advised that at no point prior to paying would I get documentation for proof of an agreement. Ultimately, the conversation escalated and the CSR said, " well you could just not pay it like you've been doing and let it fall off. '' and " it's not my fault you don't pay your bills ''. Eventually, she hung up on me. 

I called back, and the same rep answered with an attitude. She then transferred me to someone else with the same sentiments. Very rude, and chastised me for having date, and hung it over my head by mentioning that " i'm calling because i obviously need a house, car, etc '' Both were inconsistent with the result of what would happen after I paid. The first advised that if I paid in full, it would be removed. The second one said " we don't do removals. Once you pay, it will show paid in full ''
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (CA)

Account number ending in : XXXX Wells Fargo case number : XXXX. The XXXX XXXX XXXX XXXX XXXX accounts that you may be responding to, were not being reported by XXXX  nor XXXX  XXXX however it appears XXXX XXXX was reporting to XXXX  only. It turns out these accounts were duplicates, paid and have been removed. See upload. These reporting 's were being reported in error. Now I kindly ask that you restore my credit line back ... AND NO I WILL NOT REQUEST FOR AN INCREASE.
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

In XXXX of XXXX I would send written request to the company for a legal name change and then I would destroy the existing card. Kohls Credit would ignore this request. On XX/XX/XXXX a purchase made under my new legal name would reveal Kohl 's credit has lied to me and refused to update this legal name change. They continue to try and block this legal name change. Now I am trying to get the account closed and paid off and they refused to provide a statement and they refuse to give any info for me to use billpay through my credit union to pay this off without revealing any sensitive information.
Consumer complaint received 2017-10-10
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. (FL)

Yesterday I received a notification that I had a new inquiry on my credit report. I purposely added a fraud alert on all three credit bureaus a few months ago to avoid this from  happening. The credit bureaus are out of control right now and do not care about us consumers. I did not authorize anyone to run my credit for any reason yesterday. The following fraudulent inquiry need to be removed immediately. They are violating my privacy rights by just letting anyone pull my credit. XXXX XXXX XXXX - XXXX/XXXX/2017.
Consumer complaint received 2024-10-18
Product: Credit reporting 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. (MD)

There are mistakes on my credit report regarding 15 USC 16c-2. The inquiries shown were not authorized, and this false information is damaging my credit. Kindly remove all unauthorized hard inquiries. Thank you!
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX provided me with a letter and updated my online account to reflect that my account balance is XXXX  but refuses to update experien. XXXX keeps responding to my experian account dispute that I still owe {$250.00} and experian refuses to update my account stating that XXXX is sending proof. But what about the proof. I keep submitting proof of payment to experian. I also have a letter from XXXX and their response to my FDIC complaint that I filed against that says they received my account and I no longer owe. I have submit a copy of the check they cashed and screen print of the account showing XXXX and this letter to experian and they still wont update my account so now Im filing another complaint against XXXX as well as a complaint agains Experian. XXXX and Experian refuse to update my account as paid in full with XXXX owed.
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am submitting this dispute to address incorrect information reflected on my credit report. Upon reviewing my report, I identified errors related to several accounts that are inaccurately reported. These discrepancies need to be corrected immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 

For your reference, I have attached comprehensive letters outlining the specific accounts in question and the inaccuracies, along with supporting documentation. The issues include incorrect reporting of dates, account statuses, or other relevant information that does not accurately represent my credit history. These errors are impacting my credit score and overall financial standing. 

I kindly request that you investigate the attached details, rectify the errors, and remove any inaccurate data from my credit report. I expect my credit file to be updated with the correct information and that you will provide me with confirmation once the changes have been made, in compliance with FCRA requirements. 

If any additional information is needed to process this dispute, please contact me promptly. Thank you for your immediate attention to this matter, and I look forward to a swift and accurate resolution.
Consumer complaint received 2021-02-12
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 Plus Inc (FL)

I have loan with XXXX XXXX XXXX  in my home XXXX XXXX XXXX XXXX fl. loan number XXXX t am current on the payment. due to covid panic in the beginning i was out of work without pay check. i was few days behind in XXXX and XX/XX/2020. MY CREDIT SCORE WAS XXXX. DUE TO THIS LATE REPORT MY SCORE DROP TO XXXX. 
I Am in the market to buy a home now. due to this late report i can't get loan approve. The Du come as REFER/ELIGIBLE.Please advise XXXX to remove this 30 day late reporting. I ATTACHED THE DU REFER/ELIGIBLE
Consumer complaint received 2021-03-15
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. (GA)

I am becoming more and more frustrated with your company. Upon finding these errors being reported on my credit report I have taken the necessary steps in order to inform you all of the errors. Nevertheless you all are not doing your part to resolve my issues. My family and I are becoming very impatient. My attorney told me to send this letter in order to alert you all of these errors before taking legal action. I am a person that goes to work everyday in order to make sure my family have equal opportunities just like everyone else. I am a consumer that refuses to be a victim of harassment or abuse. According to 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. Reporting false information on someone's credit report is detrimental to a consumer 's reputation. Sending letters an a attempt to collect debt from a consumer who debts do not belong to is also a form of harassment which is another violation of 15 USC 162d 1. ( 1 ) Constantly sending mail that has symbols of a debt collector on the outside of letter is a violation of the use or THREAT OF VIOLENCE or other criminal means to harm the physical person, reputation, or property of any person ; is an violation of the Fair Debt Collection Practice Act. Also according to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also I stated before I was a victim of the Equifax Data Breach.
Consumer complaint received 2021-03-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/XXXX Sunday morning and I need to get my car payment receipt also all the monthly statement are missing. The XXXX XXXX XXXX original loan is being sent to the finance manager to get a new one. But the payment is being sent to the address on the wrong contacted the bank has been receiving the payment and XXXX customer service is being sent to the different codes for the capital one Auto finance. They have 2 different codes for the same company. I don't know what number is being held at the moment. XXXX XXXX XXXX XXXX. The payment is being sent to the wrong code then who's car I've been paying all this time
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2021-02-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CONTOUR MORTGAGE CORPORATION (MD)

Too much to type it all out as this has been an ongoing issue over 8 months, but I've been trying to close a refinance with Contour Mortgage since XX/XX/XXXX. Just this week ( week of XX/XX/XXXX ) I was informed that a final decision has been made to not refinance my mortgage. I was not given an official reason and I supplied every piece of information that was requested of me in a very timely manner. I have not received a refund for the over {$2000.00} in appraisal fees that I was charged, and my credit was checked multiple times without my approval to do so. These inquiries will negatively affect my credit for the next 24 months. What is happening to me should be illegal. I fear it may be discrimination, as there is no other logical excuse or reason this is happening to me, when loans for other people have been getting closed since XXXX without issue.
Consumer complaint received 2021-02-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (IL)

On XX/XX/XXXX, I opened a new BMO Harris PremierTM Account in branch with using the following bonus promo code : BMOP-XXXX. I met all the terms effective XXXX, by receiving a cumulative total of more than {$7500.00} ( {$8100.00} to be exact ) in qualifying direct deposits by XX/XX/XXXX ( within 90 days of opening, per the terms ). The terms stated the bonus would be confirmed 90 days after account opening ( XX/XX/XXXX ), but as of XX/XX/XXXX, I had not received a bonus and contacted the bank. Ever since, I have been told it was in process in way or another, and as of XX/XX/XXXX, was told it was being escalated. I again contacted the bank for an update on XX/XX/XXXX and was told they had no updates. It's now been two months past the date by bonus was to be assessed, and I still have not been paid.
Consumer complaint received 2017-05-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (GA)

The collection agen cy Carter Young Inc failed to validate this debt. A bill statement does not obligate me to pay nor does it validate debt. They did not produce the documents establishing liability to them. In US law encyc lopedia,  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX . Sections  XXXX  ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. I submitted a debt validation letter to  Carter Young Inc o n  XXXX / XXXX / 17  and received a letter stating that my dispute was investigated and validated by the original creditor   XXXX    XXXX   XXXX , however, I did not receive validation, only a letter claiming to be validation.  Carter Young Inc ar e reporting invalid and inaccurate information on all  XXXX  credit bureaus :  XXXX ,  XXXX , and  XXXX .
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

ATTACHED TO THE DISPUTE LETTER IS PROOF THIS IDENTITY THEFT REPORT WAS IN FACT FILED ON IDENTITYTHEFT. GOV WEBSITE AND AN OFFICIAL. EXPERIAN, XXXX and XXXX CLAIM THIS IS NOT A REAL REPORT. IT IS A REAL REPORT WITH PROOF! I have uploaded a second identity theft report affidavit that iis IN FACT been filed with an official government website. IDENTITYTHEFT.gov is an official website to report the id theft. I have submitted my document once again. THESE ARE OFFICIAL AND AUTHENTIC REPORTS BEING MADE. Please quit stalling and delaying the process as I am tracking the time length and the FCRA states I have rights to a fair investigation. Please investigate and block the information immediately as it is harming my report and name. I will pursue litigation with damages very soon. The bureaus are now in default of a proper response time of over 30 days. This is another violation..
Consumer complaint received 2017-06-01
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: Consumer Portfolio Services, Inc. (MD)

I have co ntacted Consumer Portfolio Services regarding an inquiry. My request was very specific but the company respon ded as if they could not understand. They also did not provide any authorization.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-10-18
Product: Credit reporting 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. (VA)

I've tried repeatedly to resolve fraudulent inquiries on my consumer report. These aren't mine and I'm not responsible for them. They're causing me serious stress and financial harm. As an identity theft victim, I may take legal action if this isn't fixed. These false items have stopped me from buying my dream house and supporting my family. My finances have suffered greatly. I've attached my previous FTC letter about this issue.