davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-16
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. (IL)

My name and personal information has been compromised and attached to an account inwhich I have no knowledge of and definitely do not have a contract with. No contract with whatsoever. For that reason I'm asking that the following credit agencies, Transunion, XXXX, and XXXX  remove the following account from my credit report, ( 1 ) XXXX XXXX {$10000.00}. In accordance with the FCRA please remove this account, or deliver me some type of physical documentation verifying this account, certified.
Consumer complaint received 2023-01-26
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (NC)

I got my vehicle in XXXX XXXX my payments are {$520.00} a month but I am paying {$260.00} biweekly. This is my first time getting a car from a dealership and I did not know that an APR rate of 28 % was terrible. XXXX XXXX/Bridgecrest knew my vehicle was worth way less than my loan amount and that is something that I was not aware of. I was making payments on my car and then the cars transmission went out a little over a year later. Just a few months ago my engine went out also and I had to pay {$400.00} and change for the parts that were not covered under my warranty. Each time I would make a payment I noticed that my principal is remaining balance would still be the same so I am confused as to why all of my money is going toward the interest and not the principal. I feel that is why my principal is still at a balance where it looks as if I havent touch it because all of my payments are going straight to interest even when I first started making payments. I have asked XXXX XXXXXXXX XXXX and bridgecrest to refinance my loan for my cars Value is worth less than the actual loan its self but they say they do not offer refinancing at all. They threaten to repossess my car if I did not make a payment I now have an interest wall up of {$1800.00}. I had to defer {$800.00} worth of payment from when I was out of work due to an injury that I did not get compensated from. Even before I deferred my payment, I still had accumulated interest from them but applying hardly anything to my principal and I was told a deferred payment would help me avoid repossession so I took that option because they made it seem good. When I add up all of my total payments that I have made since I received my car, it adds up to around $ XXXX {$13000.00} which should leave a balance of {$6000.00} to {$7000.00}. Why is my remaining principal still at {$17000.00} for the whole two years that I had my vehicle almost now three? Even though Ive made my {$260.00} payment evXXXX XXXX weeks it seems as though I havent made a payment at all since I had the vehicle. I dont mind surrendering the vehicle, but when I offered to surrender it, they threatened that I would still be responsible for the balance after they sell it, and whatever interest that has occurred. I lost my job back in XX/XX/XXXX being that I could not fulfill my job duties from an injury that I suffered in XX/XX/XXXX. I recently went homeless XX/XX/XXXX and I asked if I could possibly have a pause on my payment, give the vehicle back with no ties, or other options that could help me save my vehicle and or credit and no one has been trying to work with me at all. I have been in hardship for quite some time now, and I am just looking for other options out of this loan that they knew was upside down with the negative equity. I am in desperate need of someones help out of this upside down loan.
Consumer complaint received 2018-05-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

I moved out of my apartment, where I had lived for 13 years on XX/XX/XXXX. I was told I could not extend my time and must vacate premises by end of day, Monday XX/XX/XXXX, I moved out, despite the fact I had to leave valuables personal property like furniture. I had to move to my parents condo in Florida to handle the property they had left after their death because the executor had not taken steps required. On XX/XX/XXXX I received a collection letter stating that I had not paid the amount of Moving-out charges per the report by the XXXX XXXX management. 

I have never received said report, presumably because the USPS LOST my mail for the period from XX/XX/XXXX to XX/XX/XXXX. I responded immediately, in writing, stating I did not, nor could I verify the amounts stated in the debt collectors letter since i never received any report and did not know what became of my security deposit nor last months I paid when I first moved in back inXX/XX/XXXX. I received a call on XX/XX/XXXX from the collection agency and was told the were charging interest at 5 % a day and they would report debt to credit agencies in one week despite my disputing the amounts. I did agree to pay a portion they said was the last utilities but I had to see the report itemizing the other charges. I have not received the report, and received another letter on XX/XX/XXXX which had the original balance plus interest but not reflecting the amount I paid XX/XX/XXXX over the phone. The collection company has not sent the so-called report and refused to stop further actions while we attempt to verify the accuracy of the debt. Without any information, they are unilaterally taking steps to damage my credit and charging interest on unverified debt.
Consumer complaint received 2016-04-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hillcrest Davidson & Associates (HI)

I do n't know who these people are at Hillcrest Davison, and Associates, and what debt they could possibly be trying to collect. I am all paid up on everything. I have no credit card debt, student loan, mortgage, car payment : NOTHING.There was a dispute with XXXX for an early termination contract, but I settled that months ago through the XXXX ( and have it in writing from them ). XXXX discharged the early termination fee and said so IN WRITING to the XXXX and myself. These XXXX at " XXXX XXXX '', who are a bunch of thugs, have been calling my home #, my cell #, and my MOM '' s phone #. They are harassing me for a debt I do not owe. I am not going to call them back and deal with a bunch of scammers, because that is what they are. I spent literally months dealing with the XXXX at XXXX before we finally got it settled, and now these guys are trying to hassle me? I see their website has been hacked, too! I would NOT have any sort of dealings with these people. They are con artists and scammers.
Consumer complaint received 2022-03-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (KY)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-24
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. (NC)

XX/XX/2022 got my credit reports and XXXX and experion had report accounts and address that did not belong to me so I disputed the accounts and addresses that did not belong to me and I did the dispute twice and they still have not removed the address or accounts the accounts arXXXX 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 I called all these creditors and was told that these accounts belong to a XXXX XXXX XXXX and NOT XXXX XXXX XXXX and that they need to remove the accounts asap also there two address that are not mine XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX also needs to be removed asap
Consumer complaint received 2022-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I was a victim of fraud on XX/XX/XXXX, I had my information stolen from me off my XXXX XXXX when I was at XXXX XXXX XXXX XXXX XXXX on XXXX. When I checked my bank account on XX/XX/XXXX, I saw that there fraudulent charges on my chase debit card and credit card. I called chase immediately and the charges were reversed on both cards, but a few weeks after chase determined that the fraud charges on my debit card were not fraud through their own independent investigation. I provided proof that I was at work on XX/XX/XXXX and there was no way that was me. They still stated this was not enough. They suggested I go try to get a warrant to get footage at the stores to see who it was making the purchases if it wasn't me. 

I have called multiple times to try to appeal my case and ask what else I can do. They just kept telling me once a claim is made and the investigation is final " it is impossible '' to reopen the claim. 

I am upset at how they have handled this and how much time I have spent trying to rectify this. All I keep getting told is that " there is no way they can duplicate a chip card '', but they refunded all my credit card fraud charges which is also a chip card, but got denied my debit card. I also get told that because the fraud happened in the city I lived in, it also was a factor in why they did not reverse the charges. 

The reference number for the claim is XXXX at Chase.
Consumer complaint received 2021-12-02
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: Experian Information Solutions Inc. (GA)

I, the consumer did not consent to, authorize, nor benefit from any of the following inquiries or accounts. Pursuant to 15 USC 1681c-2, block and remove them from my consumer report : Inquiries 1. XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 3. XXXX XXXX XXXX XXXX XX/XX/2021 4. XXXX XXXX XX/XX/2021 Accounts 1. XXXX 2. Dept of EdXXXX 3. XXXX XXXX, XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-26
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. (TX)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

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 2023-09-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC (LA)

It has been brought to my attention that there has been a fraudulent lien and loan taken on my property at XXXX XXXX XXXX, XXXX XXXX, LA XXXX by Goodleap , LLC. I am demanding copies of all documents that Goodleap , LLC has pertaining to this transaction be provided to me otherwise I will be forced to take legal action.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I incurred an inaccurate 30 day late payment in my credit report XX/XX/2021. I have contacted all three credit bureaus and XXXX. After 4 months in XXXX the creditor finally contacted me via secure message to tell me that it is incorrect and they would be removing it. I disputed it with all three credit bureaus and included the secure message. The concluded the disputes and did not remove the late payment. This inaccuracy has caused me not to be able to get any loans or build my credit. My next step after this will be suing. I am at a loss and this is wreaking havoc on my ability to move forward.
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Capital One for violating my consumer rights. I have had several issues with Capital One, including the following : 1.Charging me the maximum late fees allowed under federal law.

2. Not sending me my card agreement after I requested it which was very inconvenient to do since you have to dig for that request on their site because it's not automatically uploaded in your online account portal.

3. Closing my account without proper notice or explanation.

I believe that these actions by Capital One are in violation of the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ). I request that the CFPB investigates these matters and takes appropriate action against Capital One.

In addition, I request that Capital One be required to provide me with a clear and conspicuous disclosure of the amount of any late fee imposed and the method used to calculate the fee. Also, I request to receive a copy of my card agreement that I previously requested and that my account be re-opened, if possible.

I would appreciate a prompt response and any possible compensation for the harm caused by these violations.

Thank you for your time and attention to this matter.
Consumer complaint received 2022-03-08
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. (NC)

I incurred an inaccurate 30 day late payment in my credit report XX/XX/2021. I have contacted all three credit bureaus and XXXX. After 4 months in XXXX the creditor finally contacted me via secure message to tell me that it is incorrect and they would be removing it. I disputed it with all three credit bureaus and included the secure message. The concluded the disputes and did not remove the late payment. This inaccuracy has caused me not to be able to get any loans or build my credit. My next step after this will be suing. I am at a loss and this is wreaking havoc on my ability to move forward.
Consumer complaint received 2019-08-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources (NC)

Another account that I have been trying to validate and they failed to do this. Keep sending the same vague printout information. No proof of ownership, no proof of my personal information, no proof of signatures rendered for this service. This account keeps getting verified by credit bureaus
Consumer complaint received 2020-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

On XX/XX/XXXX I received an email from Flagstar Bank saying I had a new loan number and nothing else. I thought it was spam and discarded the email. I find out on XX/XX/XXXX that XXXX XXXX  had sold my loan to Flagstar Bank and no notice from either was given until after I set up my account with Flagstar Bank and paid the bill via email. On XX/XX/XXXX I tried to pay my loan online using the same credentials from XX/XX/XXXX and they are unable to match me in the system so I had to pay late on XX/XX/XXXX and they said that it should work. Now today XX/XX/XXXX I have the same issue and now will have to pay late again.
Consumer complaint received 2023-01-26
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: PNC Bank N.A. (MA)

I was refered to you by your attorney Generals office. On XXXX/22 I sent a certified bank check for {$60000.00} from the pnc bank in XXXX XXXX to the pnc bank at XXXX XXXX XXXX in XXXX XXXX Florida to account # XXXX in the account name XXXX XXXX a XXXX XXXX XXXX. I now know it was a scam as he is in trouble with the authorities in Florida. I am told he wants to return the money to me as he was never able to withdraw the funds in the first place. He can not contact the bank as I am told he is XXXX XXXX XXXX???. I have tried on numerious attempts to see if this is true with PNC bank but they will not give me any information. All I am asking is my money still in the account at PNC bank? so mabey I can get it back or is the account holder not telling the truth. I am a roofer and that is a lot of money to me, if I have a chance to get it back it would be nice?? /, thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-07
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. (TX)

XXXX XXXX XXXX XXXX # XXXX, XXXX, Amount {$920.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX, Amount {$440.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX, Amount : {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$1500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX, Amount {$1600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Consumer complaint received 2022-03-07
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. (TX)

XXXX XXXX XXXX XXXX # XXXX, XXXX, Amount {$920.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX, Amount {$440.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX, Amount : {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$1500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX, Amount {$1600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.