davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BB&T CORPORATION (IL)

On or about XX/XX/XXXX I purchased a car and received financing through XXXX XXXX   XXXX  ( XXXX ). I signed a 72 month contract with a finance rate of 18.95 % and monthly payments of {$880.00}. During the course of the loan I was allowed a total of 8 deferments, which I was informed there would be no penalty and the deferments would extend my loan as they are placed on the end of the loan. My original maturity date was XX/XX/XXXX but due to the deferments matured in XX/XX/XXXX. Towards the end of the loan I received a statement which led me to call the finance company and inquire about the balance. I placed this call on or about XX/XX/XXXX and was informed that due to the deferments I had an outstanding balance of approximately XXXX XXXX. During this call I was told that the deferments caused me to accrue an outstanding interest balance and that is why I still owe on the car. On that same day a payment history was emailed to me and I was reminded that, according to the contract, this is a simple interest loan. The representative attempted to explain the situation and stated that the interest on the deferments accrued over time, but every time I reiterated what he explained he would say I did not understand how simple interest loans work. So I researched the definition of simple interest loan and studied my payment history for further clarity. On XX/XX/XXXX the starting balance was {$37000.00} and first payment of {$880.00} was made. Only {$5.00} was applied to the principal and {$870.00} was applied to interest. Apparently, there was a miscalculation from the very beginning. The applied interest should have been approximately {$580.00} and the remaining {$290.00} should have been applied to the principal. Throughout the course of the loan, there were a total of 9 payments made where {$0.00} went towards the principal with one time being 4 consecutive payments. This is partly the reason I have an outstanding principal balance. In fact, the history shows random and sporadic interest charges, most times inflated. In one instance, on XX/XX/XXXX, after over 3 years of paying on the loan, only {$6.00} was applied to the principal. According to the definition of a simple interest loan, the amount applied to the principal will always increase and the amount applied to interest decreases as the loan matures. This is not reflective in my payment history. As stated in a letter provided to me on behalf on XXXX on XXXX XXXX " the interest accrued is based on the outstanding balance. '' I am unsure how they calculated the interest because it does not coincide with the outstanding balance and an interest rate of 18.95 %.
Consumer complaint received 2022-11-28
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. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 usc 1681 : There are accuracy and completeness : Accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 usc 1681 sec.602a state I have the right to privacy 15 usc . 1681 sec.604 -2 It is also state a consumer reporting agency can not report any thing without my written instructions 15 usc 1681s ( 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 importation in inaccurate.

15usc 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause cause to believe that the information is inaccurate. 
You have a grave responsibility with fairness. I not only want fairness but also equity.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information XXXX adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-02-06
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. (FL)

It has come to my attention that, although I have written several letters, asking for validation of debt verification of debt audit trails I am not getting any response because of the automated system. These credit reporting agencies have in place, which is in fact, a violation. They do not have any permissible purpose for reporting any of these inquiries on my report. I am demanding these accounts be removed immediately off my credit report as it is in violation to the following federal constitutional laws. 

I am afraid these credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness and partiality, and a respect for the consumers privacy. I did not give consented these accounts, or permissible purpose. I have remain humble despite the stress abuse, and harm these three credit reporting agencies have done to me.
Consumer complaint received 2023-04-10
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX Date Opened : XX/XX/13 Balance : {$0.00}. Please remove this fraudulent account ASAP.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I sent a letter to dispute items on my report and they have not yet sent me any investigation updates or removed anything. I Item XXXX : XXXX XXXX ( {$800.00} ) Item XXXX : XXXX XXXX ( {$700.00} ) Item XXXX : XXXX XXXX {$700.00} )
Consumer complaint received 2020-04-12
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/XXXX I opened my Credit report and found unauthorized inquiries on my report. I don't know where they came from and I have no knowledge of them. Please correct this error. 

Thank you
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (DC)

On  XXXX   XXXX ,  XXXX  I contacted my mortgage lende r ( Nationstar ) to reques t information about my adjustable rate mortgage. It was scheduled to reset ( for the second time ) beginning with my  XXXX   XXXX  payment. I have on file a statement from them indicating that my 3.5 % mortgage rate was good through  XXXX   XXXX   XXXX . On  XXXX ,  XXXX  a new statement was sent to me indicating that, beginning  XXXX   XXXX ,  XXXX , my interest rate would increase to 4.0 % and my payment would increase by {$130.00}. I received NO correspondence, written or electronic, that this increase would occur. In fact, I was told by phone that my 3.5 % rate was good through  XXXX   XXXX ,  XXXX  and my  XXXX   XXXX ,  XXXX  statement indicates the same. I am about to cont act Nationstar to tell t hem about their error.
Consumer complaint received 2022-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy XXXX Reference # : XXXX Date Filed : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXX CHILDSUPPORT XXXX XXXX XXXX XXXX CHILD SUPPORT ENFORCEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXX XXXX  Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TransUnion continues to ignore my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Protection Act ( CCPA ) that protect me as a Victim of Identity. TransUnion continues to ignore official documents of a XXXX XXXX Police Report and a FTC Report. TransUnion continues to state my documents are not official with no proof in proving my documents are not official. TransUnion continues to do nothing when it comes to my many disputes to remove XXXX XXXX and many Inquiries due to Identity Theft. I have included to TransUnion all letters from the lending institution stating that their Inquiry/Inquiries reporting on my credit report is due to Identity Theft. By providing the letters from these various lending institution dealing with their Inquiry do to Identity Theft, this alone gives TransUnion the proof to Delete and Remove all Inquiries that match up with the letters stating that their Inquiry/Inquiries are Fraudulent. Also providing a copy of my letter to XXXX XXXX sent certified mail to XXXX XXXX is further proof of Identity Theft. Along with the FTC Report and XXXX XXXX Identity Theft Police Report. What more does TransUnion require and want as proof of my Identity Theft.
Consumer complaint received 2021-01-04
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. (DC)

I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
Consumer complaint received 2022-11-28
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: Experian Information Solutions Inc. (VA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 1 month to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2024-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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
Consumer complaint received 2021-02-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (MO)

Someone used my information to take out a Speedy cash loan for XXXX and now it is XXXX for interest added. The company name is AD ASTRA Recovery Services INC. Account # XXXX file # XXXX-XXXX-XXXX  Tel XXXX I did not take this loan out. Please help clear this up Thanks XXXX XXXX
Consumer complaint received 2021-01-04
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: Experian Information Solutions Inc. (NY)

EXPERIAN, XXXX, AND XXXX  ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Consumer complaint received 2023-02-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (VA)

hello keep getting phone calls but the caller will not tell me the name of the debt collection company instead keep stating this is a personal financial matter are you ..my name.. i refuse to tell them due to they refuse to identify the company they represent and calling from a private number there fore i can not call them back. at least 10 phone calls sometimes call me 4 time in a week. also i recieved a email from midland credit managment with a statement saying pre legal notification no information regarding how much i owe just blank saying they want to resolve the issue also threatend to send to a attorney in my state if they don't hear from me.. i tried to reolve the issue with XXXX before this went to collections but got the run around tried to make a payment but was told numerous time by XXXX not to make a payment due to the account is under decision told to call back in 2 weeks when i called back they informed my it was charged off never allowed me to settle the account
Consumer complaint received 2017-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (FL)

On  XXXX   XXXX , I sent a dispute requesting validation of the alleged debt that  XXXX  is reporting. In particular I challenged t he Open Date  of    XXXX   XXXX   XXXX   as I  believe that the last payment was made in mid  XX/XX/XXXX certainly not  XXXX . I have heard that it is common for collection agencies to reage the debt in an effort to avoid  Statute of Limitation.      I never got any response to my letter and the reporting of the debt remains without any indication that it was being disputed.     On     XXXX   XXXX   , I se nt another letter requesting validation and still no response. The debt is still appearing on my credit report without any indication that it is in dispute. Statute of Limitations has expired but  XXXX  has in my opinion intentionally reaged the debt from its original  XXXX  time frame.
Consumer complaint received 2023-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

XX/XX/2023 XXXX XXXX XXXX - {$1.00} & {$290.00} XX/XX/2023 XXXX XXXX XXXX - {$200.00} I called the bank to let them know this man had asked me to XXXX XXXX for deposit and pro-rated rent. As I explained to my bank this man is a fraud and has pretty much hacked me but they said they could not do anything about it. I was asking they get my money back but they said they could not.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

These accounts are showing up on my credit record because I was the victim of identity theft and my information was exposed. Since these accounts are not mine and I shouldn't be held accountable or liable for something that was made public without my knowledge, they are really having a big impact on me.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union Fraud Victim Assistance Department XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear Sir or Madam : Ima avictimofidentitytheft.Theinformationlistedbelow, whichappearsonmycreditreport, does not relate ot any transactions that I have made. It is the result of identity theft. 
Identify items resulting from identity theft that should be deleted, by name of the source, such as credit card issuers or banks, names, addresses, public records credit accounts.

Please delete block or remove this information from my credit report, pursuant ot section 605B of the Fair Credit Reporting Act and send the required notifications ot al furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and Proof of my identity.

Acopy of section 605B of the Fair Credit Reporting Act, which requires you to delete block or remove the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information. 
Account : XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX Account. 
Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Fraudulent Account Account : XXXX XXXX XXXX XXXX : Fraudulent Account. 
XX/XX/XXXX Account : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Account. 
Account : XXXX XXXX XXXX XXXX : XX/XX/XXXX Fraudulent Account Account : XXXX XXXX XXXX XXXX : XX/XX/XXXX Fraudulent Account. 
Account : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Account. 
Account : XXXX XXXX XXXX : XX/XX/XXXX XXXX Account. 
Account : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  on record. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Fraudulent Public Records : ID Number : XXXXXXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX ID Number : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Fraudulent Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX