davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (PA)

In short I've been fighting this debt for about 3 years now XXXX XXXX XXXX bought my old car loan from Santander USA after it was repossessed when the car was repossessed I only owed about two maybe three months of Miss payments which would have totaled at most a little over {$1200.00} I have contacted XXXX XXXX XXXX let them know this they acknowledged that they had paperwork saying Santander USA would continue my car loan if I paid a little over {$1100.00}, I communicated with them multiple times that that is all I owed once the car was repossessed they were not allowed to be charge for the entire loan they still keep trying to charge me and now I want to stop with me from buying a house and I would like this entire debt removed as they willingly continue to purchase the wrong amount of debt in order to gain the most money for them, if a car is repossessed and is still in good working condition able to be sold again from my investigating they are not allowed to charge the full price of the vehicle but they're still trying to do that.
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

XXXX XXXX XXXX XXXX XXXX- AMOUNT- {$8200.00} DATE OPENED XX/XX/XXXX XXXX- AMOUNT- {$1200.00} DATE OPENED- XX/XX/XXXX XXXX XXXX XXXX   AMOUNT- {$430.00} XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX - AMOUNT- {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX- AMOUNT- {$0.00} DATE OPENED XXXX XXXX XXXX AMOUNT- {$0.00} DATE OPENED XXXX XXXX XXXX -AMOUNT- {$0.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX -AMOUNT- {$2600.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX -AMOUNT- {$2300.00} DATEOPENED XX/XX/XXXX XXXX XXXX XXXX XXXX -AMOUNT- {$2200.00} DATE OPENED XX/XX/XXXX
Consumer complaint received 2016-12-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My information was stolen in XX/XX/2016 i contacted capital one as well as my bank and filed a report as well as the police department. I got a final decision from my bank saying the report i filed was correct in my favor capital then closed my account and said it was incorrect which led to me owning them money and it screwing up my credit score i offered to send in the document saying it was in my favor they denied me to submit any documents this
Consumer complaint received 2022-08-12
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

My name XXXX XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address is XXXX XXXX XXXX XXXX OH, XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : 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 Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Consumer complaint received 2021-08-18
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. (ME)

Paid off balances are still showing on my Transunion & XXXX credit reports. 

An amount of {$160.00} from XXXX XXXX  was paid with a settlement as agreed upon by XXXX yet is still showing as due on both Transunion & XXXX. 

An amount of {$190.00} from XXXX XXXX is still showing due but was paid in full for {$190.00}. Still showing on both Transunion & XXXX. 

An amount of {$160.00} & {$150.00} from XXXX XXXX is still showing past due but was paid as part of a settlement as agreed upon by XXXX XXXX. Still showing {$160.00} & {$150.00} on XXXX & {$150.00} on XXXX & Transunion. 

An amount of {$240.00} from XXXX XXXX is still showing past due but was written off last month by XXXX XXXX but still shows on XXXX. 

I have not received the documents from the Collections Agencies as they said they have to mail them rather than email.
Consumer complaint received 2020-12-09
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. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

I reported on XX/XX/2030 XXXX fraud TO US BANK for {$150.00} charged XX/XX/2020 LESS THAN 60 DAYS-US BANK LETTER IS LYING THAT IT WAS REPORTED OVER 60 DAYS. Close account per XXXX XXXX manager request.
Consumer complaint received 2020-10-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (PA)

In short I've been fighting this debt for about 3 years now NCB Management Services bought my old car loan from XXXX XXXX after it was repossessed when the car was repossessed I only owed about two maybe three months of Miss payments which would have totaled at most a little over {$1200.00} I have contacted NCB Management Services let them know this they acknowledged that they had paperwork saying XXXX XXXX would continue my car loan if I paid a little over {$1100.00}, I communicated with them multiple times that that is all I owed once the car was repossessed they were not allowed to be charge for the entire loan they still keep trying to charge me and now I want to stop with me from buying a house and I would like this entire debt removed as they willingly continue to purchase the wrong amount of debt in order to gain the most money for them, if a car is repossessed and is still in good working condition able to be sold again from my investigating they are not allowed to charge the full price of the vehicle but they're still trying to do that.
Consumer complaint received 2019-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NC)

XX/XX/XXXX pulled my credit due to being denied a loan Sears cbna listed on credit report It says closed XXXX Date reported to who # # # # # # Va unclaimed?? 
But THE PAYMENT HISTORY on my credit report shows some persons used. My SEARS CBNA CARD in XXXX. I was homeless and had no credit cards on my person only my debit bank card from XXXX thru XXXX # # # # # And I had no phone until XXXX approx XXXX # # # # # # # # : : XXXX XXXX DOLLAR limit It says payroll deducted I HAVE NEVER AUTHORIZED AN ACCOUNT TO BE PAYROLL DEDUCTED I have asked cbna for the info on file for my sears gon na card NO RESPONSE SINCE XXXX I NEED where the card has last been sent to when the card was documented used Address Phone The payroll deducted account info that sears cans bas for my card And the name of company it was being payroll deducted from and their info and BANK ACCOUNT # used to pay for the charges I need this ASAP SO I. Can catch the persons who stole my identity. Since XXXX I have over one million dollars plus missing Unaccounted for Identity theft registered with FTC and confirmed by the office of comptroller for Currency USA I want the credit info as per I have requested numerous times to reciver my identity asap sent to me at only XXXX XXXX XXXX nc XXXX Only XXXX Only My birth XXXX XXXX
Consumer complaint received 2017-09-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Lendmark Financial Services (OH)

On XXXX XXXX, XXXX a lump sum payment of {$1400.00} was made to Lendmark Financial Services. The following month we ( XXXX and XXXX XXXX XXXX received a statement indicating there was a system update and they could only provide us with the next scheduled regular payment. This statement did not indicate the most recent payment of {$1400.00}. In XXXX XXXX, XXXX XXXX received a XXXX XXXX notification that the XXXX account had been removed from her credit report. In XXXX XXXX she contacted XXXX because her credit report had not been updated. The clerk at the local office indicated the problem would be rectified. As of XXXX/XXXX/XXXX the account is being reported with an incorrect balance of {$2900.00} with the last date reported as XXXX XXXX. The last payment indicated is XXXX XXXX and the status of said payment is unknown. The amount reported is not indicative of the lump sum payment or the subsequent XXXX and XXXX payments.
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (AL)

Last Thursday I received a letter that all of my US Bank Credit Cards are closed. Letters stated your account has been closed effective immediately. Our decision was based on the following principal reason ( s ) reasons listed are credit history related. I have more than {$2000.00} worth of flex points, what US Bank actually did is instead of allowing me to use my points they closed an account with no option to use them. 

Cardmember Agreements, section 32, titled Cancellation of Your Account, We may cancel your Account or suspend your ability to obtain Account credit immediately, without notice, if your Account is in Default. Even if you are not in Default, we may cancel your Account by providing notice to you. My account was not in default when it was closed, so there is a breach of agreement. 

In addition to that latest response I received stated that " A careful review of your account does not reveal any instance in which U.S. Bank deviated from generally accepted banking practices. '' General banking practices allow 30 days to redeem points when account is closed ( XXXX, XXXX and other Banks ). 

I suspect that US bank found out that there is over {$2000.00} worth of flex perks that I have on the account and instead of going through procedure and giving a notice as per credit card agreement decided immediately close an account.
Consumer complaint received 2020-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Harris & Zide (CA)

I was contacted by the law offices of Harris and Zide XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ca XXXX by XXXX XXXX XXXX ( XXXX ) XXXX by mail on XX/XX/XXXX2020 about a XXXX debt already paid through my XXXX XXXX XXXX  account. This is the second this law firm has contacted me about the debt that was settled and paid on XXXX/XXXX/20. I have documentation of these facts from XXXX. I recently applied for a debt consolidation loan and was denied because this account is still regarded as an " debt in collection '' '. I want to take my case to small claims court and sue for damages. please tell me how. Thanks
Consumer complaint received 2023-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Requested a dispute ( File Identification Number : XXXX ) on XX/XX/2023 for XXXX incorrect phone numbers on my credit report to be removed. I got the investigation results on XX/XX/2023 and nothing changed. I went to check my credit report today, XX/XX/2023 and those numbers are still there.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

H

I I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

My personal information has been used to fraudulently open personal loans and credit cards without my knowledge. These companies use soft pull to check for mortgages on your credit. I never had a mortgage before. Me and my father share the same exact name and Im a junior.
Consumer complaint received 2022-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

On XX/XX/XXXX we sold our home and paid off the mortgage held by Mr. Cooper. 
Paid off the mortgage nearly 30 days ago and still getting the run around on money, our money, that is in the escrow account. Have received the release of lien and still no check from Cooper.

Have called numerous times and told it takes 20 days, 30 days, 45 days. 
It should be illegal for them to hold your escrow money after the loan was paid in full.
Consumer complaint received 2017-09-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Management Services, Inc. (CA)

XX/XX/XXXX -XX/XX/XXXX I have been harassed by this debt agency separate and same under two names : in XX/XX/XXXX in had a medical procedure. My insurance paid per plan agreement providers. Four unknown medical professionals also were paid ( unknown because they all were employees of medical facility not my care professionals before or after that date ). Subsequently we went to court XX/XX/XXXX: judge ruled to reset and determine a new dollar amount he did not accept theirs. For months I called they refused to talk with me : in XX/XX/XXXX the went to court and presented same documents I had disputed and got judgement : I received copy of order in mail and called and was told I was served and came to court and lost! A lie I did n't receive a notice nor was I in court. Somebody was apparently but not me : the notice of service was not made it was a lie : note the original notice of service was fraud ( says served on adult male in  twenties nobody like that or age was in/at my home ). Since this agency had returned to court three times doubling judgment fees and a lien on my home : I asked for legal advise and was told this is elder abuse at least. This agency has already been compensated by the original medical facility.
Consumer complaint received 2017-09-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (UT)

I have a medical debt that was being paid on a regular monthly basis with XXXX XXXX in XXXX XXXX XXXX Utah. The company was accepting my monthly payments on a medical debt from a XXXX and hospital stay and gave me no options to continue to pay monthly until the debt was paid in full. They instead transferred my account balance over to a collection company called IC Systems to collect the payments instead which is now reporting on my credit reports as a collection account. I find this to be incredibly unfair to be damaging my credit report when I have been more than willing to continue paying uninterrupted monthly payments. This has caused me a hardship because my other creditors can take adverse actions against me even though I have done nothing wrong.
Consumer complaint received 2020-10-27
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. (TX)

A Credit Reporting Agency ( CRA ) sent attached letter reflecting the statement " Your written authorization may not be required to constitute permissible purpose. '' Per Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] of the FCRA reflects : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or Are CRA 's relying upon # ( 3 ) for the verbal permissible purpose? If so, should the person be listed on inquiries as the one responsible of pulling credit? If not, what part of the FCRA Section 604 is the reason for the statement " Your written authorization may not be
required to constitute permissible purpose ''? Does the FCRA then allow for that person to share with others?

Are verbal permissible purposes to a person wise in this time, XX/XX/XXXX, of rampant identity theft and fraud?
Consumer complaint received 2020-04-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

Wakefield and Associates has hit my credit report five separate times over the past 3 years and all the balances they say I owe are within a few hundred dollars of each other. XX/XX/XXXX for {$1200.00}, XX/XX/XXXX for {$1500.00}, XX/XX/XXXX for {$1100.00}, XX/XX/XXXX for {$730.00}, and XX/XX/XXXX for {$1100.00}. I began requesting verification of the debt from Wakefield back in XXXX when I noticed their first hit on my credit and have continued requesting the information every few months since. I've never received a single response from them and I honestly have no clue what they're even trying to bill me for. You'd have to be a special kind of XXXX  to just hand large amounts of money to some random collection agency without proof the money is even owed and I'm not that XXXX. I've repeatedly disputed these collection accounts with all 3 credit bureaus several times and all I get is some variation of " Account information disputed by consumer, meets FCRA requirements ''. How can they possibly get away with that when neither Wakefield nor any of the credit bureaus have provided me verification of these supposed debts? Disputing information to the credit bureaus is a joke ; they clearly don't bother doing any real investigation and just take the creditors word for it. That hasn't and won't stop me from continuing to dispute these accounts that have never been verified to be legitimate. 

The bureaus have placed this comment on most of my Wakefield accounts : " This collection account is derogatory do to collections or charge-off. '' Well XXXX XXXX XXXX! Wakefield is a collection agency so obviously whatever the original creditors ( if they even exist ) were billing me for were sent to collections! I want to know WHO the original creditors were and WHAT they were charging me for in the first place. I don't recall receiving any bills for those general amounts from Wakefield or anyone else. I have a right to know what these collection accounts are all about and my repeated demands to exercise that right fall on deaf ears from both Wakefield and the Big 3. 

Collection agencies like Wakefield should be illegal. They buy up old debt ( or invent it themselves ) and use it ruin credit scores, all while ignoring requests and demands for verification of money owed. They're nothing but bottom feeding predators who do everything in their power to dupe people out of their hard earned cash. Regardless of anything else, I don't owe Wakefield a XXXX dime -- I never signed a contract, agreed to pay them, or anything like that. No contract between us = no valid debt. Their contract is with whomever they bought the supposed debts from, not with me.
Consumer complaint received 2021-09-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I applied with my credit union Pentagon Federal Credit Union to get pre-approved for an auto loan for {$60000.00} on XX/XX/XXXX. I ended up not purchasing the vehicle and never signed a vehicle contract or take delivery of any vehicle. I went to my XXXX XXXXnline account this evening and noticed that there is an auto loan reporting for {$60000.00} on my credit report. I do not own this vehicle nor did I ever sign a contract for this vehicle.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

A Credit Reporting Agency ( CRA ) sent attached letter reflecting the statement " Your written authorization may not be required to constitute permissible purpose. '' Per Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] of the FCRA reflects : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or Are CRA 's relying upon # ( 3 ) for the verbal permissible purpose? If so, should the person be listed on inquiries as the one responsible of pulling credit? If not, what part of the FCRA Section 604 is the reason for the statement " Your written authorization may not be
required to constitute permissible purpose ''? Does the FCRA then allow for that person to share with others?

Are verbal permissible purposes to a person wise in this time, 2020, of rampant identity theft and fraud?