davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (CA)

I recently paid off a car loan on a XXXX XXXX XXXX-XXXX ( VIN # XXXX ). The loan was held by XXXX XXXX and I paid it off early. I called to get the pay off on XX/XX/XXXX. Was told I should pay {$2600.00}, which I did and the check cleared the bank on XX/XX/XXXX ( Check # XXXX ). 

All the documents have been sent to me promptly. Yesterday I received a letter from XXXX XXXX thanking me for doing business with them. They advised me that I was owed {$9.00} for overpayment on the auto loan. Attached to that letter was a prepaid XXXX that can be used everywhere ( except at ATMs ). In order to use it as a debit card I would need to set up a PIN and in order to use it as a credit card I just needed to sign for the purchase. 

The paragraph below the " NOTE : The Debit " cash back '' option is not available with this card '' statement advised that " Registration, activation, acceptance, or use of this card constitutes acceptance of the terms and conditions stated in the Prepaid Card Agreement. '' Back of letter has the essential elements of the Prepaid Card Agreement. The schedule of fees notes a card maintenance fee of {$3.00} a month ( nice work on a {$9.00} payment ) This card represents an account that I neither requested nor desired. I could " ... go to the website on the back of the card ... '' to request a check in place of this card. The question is why would they make me take that additional step? 

The extra step I am taking is advising you that this practice is in use to get people to acquire a credit card that they did not request. It seems to me to be much like XXXX XXXX XXXX 'XXXX cross selling schemes to open accounts that their customers were unaware of getting and, like me, did not want or need. 

I am attaching a copy of the letter from XXXX XXXX.
Consumer complaint received 2024-05-07
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: EQUIFAX, INC. (GA)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. 
The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. 
Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law.

When we go to litigation, through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.

You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I DEMAND that you delete ALL the accounts listed below IMMEDIATELY. 
Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (IL)

TD Bank USA/Target is falsely reporting that I made a payment on a charged off account that I have disputed. I have written to the bureaus to request an investigation three times. The first time they did not notate the account was in dispute or delete the account. XX/XX/XXXX only sent me an updated copy of my credit report showing the account is in dispute but they did not delete the account. After not receiving a response from XXXX XXXX and XXXX after almost a month had passed ; I found although neither of them did not respond to me in writing they both updated the account as being in dispute and they did not delete the account. 

The second time I wrote to them to request they delete this account based on inaccurate reporting, instead of them deleting the account they updated the account with TD Bank USA/Target falsely reporting that I made a recent payment on the account, which I did not, and they did not change the last activity date and the amount they claim I owe did not decrease. I wrote to the bureaus a third time to request they investigate how the payment was made, by providing me with proof of the payment whether it was a money order, check or confirmation from my bank as is my right. I have not received any proof whatsoever and the account is continuously being reported and not deleted by the bureaus. They are in violation.
Consumer complaint received 2021-03-30
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: PENTAGON FEDERAL CREDIT UNION (CA)

PENFED Credit Union sent me an application for a XXXX Credit Card. The requirement is to open a {$5.00} saving account and become a member. On the advertisement, they said the {$5.00} is on PENFED ( see attached original advertisement ). I applied and received a congratulations email for the approval. I waited and no card showed up, So I called on XX/XX/21 talked to XXXX and she said she will sent an email to their department to fund the {$5.00} and I will received my card in week and a half. No card showed up and I called and talked to XXXX on XX/XX/21 and she said she will send an email to her supervisor to fund the account. On XX/XX/21, I received an email from PEDFED saying that my application expired and if I like, I can reapply anytime. So I called again on XX/XX/21 talked to XXXX  this time to find out what's going on. She said because I didn't fund my {$5.00}. On the advertisement, it clearly says PEDFED will fund the {$5.00}, Attached please find the false advertisement, Congratulation approval email and the Unfortunately please reapply email. 

Thank you so much for all of your help! 
XXXX XXXX
Consumer complaint received 2019-06-05
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HUNTINGTON NATIONAL BANK, THE (PA)

XXXX XXXX XXXX  XXXX. XXXX I called them after a " server '' contacted me via my work phone to give me a case # that I was being sued. They gave me the phone number for the XXXX XXXX XXXX. 

The case number was just the case number for the XXXX XXXX. XXXX XXXX who identified themselves as a paralegal that works for the law offices that were taking me to court. that I was going to owe them over {$1800.00} if it went to court, but I could settle with them for {$360.00}. 
I asked XXXX if she worked for a collections agency or a Law firm. She confirmed again that she worked for the law firm. 
I asked to be emailed a copy of the proof of debt. She emailed me a page stating how much I owed, but not actual proof of debt. This page only had a company name and phone number, no address As soon as I mentioned that I needed proof I was told that I would only get it if we went to court. She quickly ended the conversation and hung up.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Debt Mediation, Inc. (TX)

I called XXXX XXXX on XX/XX/2022 because Professional Debt Mediation is reporting that I owe them {$190.00}. XXXX confirmed that I dont owe them or PDM. We called PDM and the manager wouldnt talk to them because I was on the phone. I dont owe PDM but theyre reporting a closed account with a {$190.00} balance on XXXX and open owing {$190.00} on XXXX. I did not have any services with PDM. I need this removed from my credit report ASAP. Im not paying PDM anything because XXXX was paid in full months ago. Their reporting is ILLEGAL.
Consumer complaint received 2022-01-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-04-06
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. (AL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2020-11-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2020-11-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (MD)

I submitted complaint # XXXX on XX/XX/2020 against Loancare LLC. I received the company 's response on XX/XX/2020. However, the company 's ( Loancare ) explanation is questionable. LoanCare says in the response letter that the charge to me of XXXX $ is for their payment to XXXX for recording the deed. But they did not provide receipt for that payment. Instead, they provided a copy of XXXX countys fee schedule. Nobody will use a price tag as proof of payment. If they did make the payment, they should provide the payment receipt. My title company charged me XXXX $ and paid to XXXX for deed recording ( Receipt # XXXX, see attachment ). XXXX county office will not change two times for deed recording for one re-finance. Please ask Loancare to provide receipt for their payment as deed recording fee for their XXXX $ charge. If they cant provide payment receipt, they should refund my money.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (AL)

On XXXX XXXX, 2017, I went on Regions.com online banking website to make a payment on my Regions XXXX  Card. The payments are due on the XXXX of each month. I made a payment of {$100.00}. I received confirmation of it being received. A couple of days later, i checked back to my online account where it showed ( ACH Return ... {$100.00} ) I did n't think much of it at this particular time, until I made the XX/XX/XXXX payment for {$200.00} and the same thing happened again. I checked with my Financial Institution to see what was happening. It was determined that the transaction was pulling from my savings account, instead of my checking account which is the account I always pay my bills. I only keep a very small amount of dollars in my saving account. I was told that I had left off a digit that should precede the account number. I was never told that was how it should be done until this issue came about. If you look at my history of making payments, you will see that I am consisted in making my payments on time. I value my credit worthiness and have worked hard over the years to maintain a high standard of excellence when it comes to my credit score. I am sending extra documentation to help substantiate what I have written in this statement. Please reconsider removing the negative information from my credit reports with each credit bureau. Thank you. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXXXXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX : Account NumberXXXX Account Name XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-23
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-30
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. (HI)

I sent out a letter with the accounts I fount error with about a XXXX ago on XX/XX/21 and haven heard anything back. Im trying get my life together but they keep holding me back and they need to be stopped.
Consumer complaint received 2018-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am filing a complaint against Transunion due to an account listed as XXXX XXXX was reported as closed and removed from my Transunion credit report on XX/XX/2018 and now it is being reported as open on XX/XX/2018. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( iii ) you are required to notify me of the reinsertion in writing within 5 business days. 

I received no such notification. This is a very serious violation of the FCRA. 
I am requesting for this account to be removed from all 3 of my credit reports immediately.
Consumer complaint received 2018-09-19
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CA)

in 2015 i was in a domestic XXXX situation, i had just gotten out of school. i had been going to court for a restraining order and couldnt make payments, i called for a deferment or a forbearance and i received it i was told it would back date payments that were past due. the 2 late payments are still on my loan history as of today. my records show that i didnt get my late payments removed. XXXX in the executive office sent me a email with a different last name which makes me think she never once looked over my account. i want those 2 late payments as promised removed when i selected the forbearance or deferment.
Consumer complaint received 2023-01-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (MA)

XXXX XXXX sent notice to XXXX and XXXX  of insurance that I was rubutting them adding on by XXXX XXXX XXXX to my policy with a lie about me telling them he drove the vehicle XXXX week. With this my premium skyrocketed so I cancelled them. 
XX/XX/2021 - response from XXXX XXXX XXXX indicating that XXXX  would elimate him off policy and decrease it by " {$XXXX} '' ( round about amount ). 
XX/XX/ - sent collection notice from Caine-Weiner and emailed them same day asking for clarification of the debt ( see appendix A ) XX/XX/2021 - received response from someone else at Caine-Weiner saying I owed the debt. I had to nofify them they were coming after me for the wrong amount and it had been admended. They asked me for the proof! I sent along and still asked for a revised bill because I was unsure of the total credit XXXX   gave me for the complaint. Still nothing ( Appendix B ) XX/XX/ - Caine- Weiner sent an email stating they updated my file and attached a new statement on debt. This was just on letterhead stating I owed them {$XXXX}. But again, they could not give me validity of the debt or how they came to this amount. After several inquiries on the debt, they could not produce anything to show the amount they were billing me was correct or how they came to that number. Also, they started sending me debt collection emails way before even XXXX  days of XXXX updating the file even though on my credit report it is still showing the debt as being over {$XXXX} still when it never should have been since XXXX   credited me approx {$XXXX}
Consumer complaint received 2022-04-06
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, 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.