davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FORD MOTOR CREDIT CO. (AR)

Purchased a new XXXX XXXX XXXX. Ford gives discounts/rebates if financed through Ford Motor credit. I received a loan and rebate ( {$750.00} ) from Ford Motor Credit for my purchase. The selling dealer employees as well as other Ford dealers informed me that if not at least 6 payments were timely made the rebate could or would be revoked. Being as several sale staff at several different Ford dealerships made almost the very same statement I would assume, as I would guess anyone would, Ford is aware of this and is their ( possibly un-written ) policy. After my purchase financed at an I feel exorbitant interest rate I called my personal bank and secure another loan to pay the Ford loan off. ( at less than 1/2 the rate with the very same terms as from Ford ) My concerns are : 1. As I understand it Federal law states there can not be prepayment penalties for the prepayment of loans. Is Ford in effect in violation of this law as 6 months payments apparently need be made before possible loss of rebate? Ford is most certainly aware of this issue. If personal at dealerships are stating the requirement falsey to protect sales commissions, Ford no doubt is fully aware of this matter and would be in criminal violation I would assume. This exact scenario has been going on for years. 
2. The Ford employee at closing had a 8 year, 5.59 % contract before me to sign with no indication or question in me being able to negotiate interest rates or terms. Was told rate was non-negotiable and was very difficult to get the term length reduced. Is this not predatory lending of some sort? 
I feel as Ford Motor Company colluded with Ford Credit Corporation to sidestep federal laws and practice unfair credit  practices.
Consumer complaint received 2024-10-02
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. (TX)

I am a natural person, I am a living human being. 

XXXX is governed by 15 USC 1681 and have continued to violate my rights, XXXX received notification in XXXX via FTC report of misreported information and all supporting documentation in regards to XXXX XXXX XXXX  This company also has received action by CFPB for their fraudulent practices and misreporting of consumer information. XXXX continues to furnish this inaccurate and fraudulent information on my credit report. 

There is a fraudulent account from XXXX XXXX XXXX in the amount of {$1900.00} that is misreported on my file. This account XXXX XXXX XXXX must be removed from my Credit report and XXXX held financially accountable for their false reporting of information. 

Their failure to positively verify these accounts has hurt my ability to obtain credit and should be held accountable just as XXXX XXXX XXXX Unverifiable accounts must be removed if they are unable to provide verifiable proof which they have not under FCRA.
Consumer complaint received 2017-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I had a load with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX. Phone # XXXX I was in a car accident on XXXX/XXXX/XXXX reported this to XXXX. I have XXXX insurance, which totaled the car on XXXX/XXXX/XXXX and XXXX agreed to accept the payoff amount from XXXX, due to remaining balance they will file a claim with XXXX. XXXX Claim # XXXX On XXXX/XXXX/XXXX XXXX letter indicated payment to lienholder will be XXXX and the remaining balance of {$2700.00} will be paid by XXXX XXXX, XXXX, ( which the XXXX department with XXXX email indicating that will be the next steps ). I received a statement from XXXX, dated XXXX/XXXX/XXXX requesting a payment from me in the amount of {$1400.00} and late fees in the amount of {$23.00} after the agreement with XXXX XXXX and XXXX is currently taking place. I called XXXX they are still expecting payment from me after they have agreed to the payoff from XXXX and will file the claim with XXXX for the remaining balance. In addition, they continue to report late payments to the all three agency after they agreed to the payoff amount. I 'm requesting my credit report be corrected and a letter sent to me from XXXX indicating this issue was resolved, so I may show this letter to other finance company when I apply for a new loan. The action of XXXX is hurting my credit score after they agreed to closeout the loan. XXXX still continues to collect money from me, XXXX and XXXX for a loan that was totaled by the insurance.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I recently reviewed a copy of all My credit reports and noticed that I had a fraudulent account on them. Please remove this Kohls/Capone account from My credit reports. I've been doing My due diligence on being a worthy person to obtain good credit and this is hurting my ability to do so. 
Thank You Kindly.
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

I opened a XXXX dollar secured credit card with XXXX XXXX in XX/XX/2016. In XX/XX/2016 my balance was XXXX I called XXXX XXXX and closed the account and told them to apply my XXXX to the balance. Close the card and send me the balance. I never received any money from them. I recently signed up for XXXX XXXX and found they have been reporting the account in a negative status ever since and eventually as a charge off. I want them to stop reporting anything about me to any credit bureau.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I demand that Equifax not be allowed to mock the CFPB 's authority and victimize me by ignoring my rights. Equifax, has sent me a letter stating that they will not do an investigation. The bankruptcy adds a hardship and my rights were violated by Equifax. I ask for the CFPB 's to help make Equifax, stop victimizing me.The bankruptcy listed on my credit report does n't even have MY address!!! The bankruptcy address is listed as a XXXX, Ga address. I 've never lived in XXXX, Ga!!!!! Also the bankruptcy is listed as " Joint ''. Who is the other party listed???? How could they have verified or more importantly validated any and all information???
Consumer complaint received 2018-07-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NJ)

THE COMPANY IS WESTERN UNION. I USE THEIR ONLINE SERVICE, AND THE RECEIVER COUNTRY WAS XXXX. THE FIRST MONEY TRANSFER WAS SUCCESS, BUT THE OTHER 3 WHEN I INTRODUCE THE NAME OF THE RECIPIENTS I DID IN THE RIGHT ORDER, BUT WHEN THE TRANSFER WENT TO THE AGENCY THE NAMES WERE MIX AND THE RECIPIENT WERE NOT ABLE TO REQUETS THE MONEY, WHEN I TRIED TO FIX THE ISSUE, THE SYSTEM GIVE ME THE OPTION TO EDIT, BUT AT THE END SHOWS A MESSAGE THAT THEY ARE NOT ABLE TO PROCESS THE REQUEST, WHEN I WENT FOR OTHER OPTIONS ALMOST WERE THE SAME, AT THE END THE ONLY VALID OPTION WAS CANCEL THE TRANSACTION, BUT IN SMALL LETTERS SAID THE FUNDS WERE AVAILABLE AFTER 7 BUSSINES DAYS AND THEY NOT REFUND THE FEES, I DON'T KNOW IF THEY DO ON PURPOSE TO KEEP THE FEES WITHOUT DO ANYTHING, BUT LOOK SCAM FOR THE CUSTOMERS, ALSO WHEN I SPOKE TO CUSTOMER SERVICE PUT A LOT OF COMPLAINS AND REQUEST A LOT OF PERSONAL INFORMATION. THE TRACKING NUMBER OF THE 3 TRANSACTIONS WERE 1 ) XXXX XXXX XXXX, 2 ) XXXX XXXX XXXX, 3 ) XXXX XXXX XXXX, IN ADVANCE THANK YOU FOR THE ATTENTION GIVEN VERY RESPECTFULLY XXXX XXXX ( XXXX ) XXXX.
Consumer complaint received 2018-07-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (FL)

I have never had a loan with Navient, and my name is not shnyder. I spoke to a representative and they said they would correct this but I keep getting phone calls and they tell me to call. XXXX They confirmed my identity but it continues.
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (WA)

I opened a XXXX dollar secured credit card with Wells Fargo in XX/XX/2016. In XX/XX/2016 my balance was XXXX  I called Wells Fargo and closed the account and told them to apply my XXXX to the balance. Close the card and send me the balance. I never received any money from them. I recently signed up for XXXX XXXX and found they have been reporting the account in a negative status ever since and eventually as a charge off. I want them to stop reporting anything about me to any credit bureau.
Consumer complaint received 2018-07-06
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. (FL)

Experian is reporting a past due balance from a credit card company. The credit card company did not notify me of a past due balance. I have no other late payments with any other companies. The other 2 credit burrows have removed this issue from my credit. Experian is a terrible company and someone needs to do something about there in ethical lazy appreciate to dealing with issues.
Consumer complaint received 2024-10-02
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-07-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pinnacle Credit Services, LLC (TX)

XXXX XXXX, XXXX sent me a letter dated XX/XX/XXXX, from XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX. Phone number XXXX. 

Original Account : XXXX. Their Account # : XXXX Charge -Off Date : XX/XX/XXXX. Principal Balance : {$1300.00}. Balance Due : {$2200.00}. Interest Balance {$850.00}. 

Pinnacle Credit Services LLC and different creditors have been contacting me about this account and my responses are not good enough. I do not owe the company this money! 

If it is XXXX XXXX BANK CREDIT CARD COMPANY, THEN WHY DO I CONTINUE TO RECEIVE MONEY OFFERS " PILING UP '' IN MY MAILBOXES FOR THEM TO LOAN ME MONEY WHEN I HAVEN'T REQUESTED ANY CREDIT CARD SERVICES. I HAVE A SAVED UP HUGE STACK OF OFFERS FROM XXXX. 

I have written to different companies who have purchased the above account to harass me. 

This company has a delinquent date listed as as XXXX. I paid them if I ever owned a credit card from them. 

Why would the company wait many years after the fact, when I lived at the same address for 12 years and never received any extracurricular or outstanding bills? 

I am tired of this company continually harassing me. 

I dispute the bill. 

XXXX is their number.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.
Consumer complaint received 2018-07-09
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. (PA)

Ive faxed and mailed several letters to XXXX, Transunion and XXXX   stating that accounts was opened in my name when I was still a minor which I never authorized. I provided proof of date of birth along with my social security number. My year of my date of birth is incorrect along with some addresses that I never lived. These are some of the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXk XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX is my cousin which Ive tried many times to remove. 
The addresses that I dont recongnize is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (IN)

In XX/XX/2018 I disputed with XXXX, XXXX, and XXXX  a company named Hunter Warfield which is a debt collector. I was sent back investigation completed and account was  verified. On XX/XX/XXXX I sent Hunter Warfield a certified letter asking for verification, this company has not sent back verification as of this date. The amount in question is XXXX. I am requesting this amount be removed from my credit report.
Consumer complaint received 2018-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

This Collection Agency ( XXXX XXXX ) has never contacted me, gave notice to me, nor furnished to me any documentation verifying the collection debt they supposedly are collecting from me. To make matters worse, they now have put a negative remark on my credit report stating that owe a large balance amount which is not even my debt, as a result, it has damaged my credit with all 3 credit bureaus. 

They allege I owe them {$8300.00} It shows the account was opened on XX/XX/2016 ( 1 yr, 10 mo 's ) *But, there is No Account Number nor the identification as to " What Type '' of an account it is.
Consumer complaint received 2018-07-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc. (CT)

I have reviewed my personal credit report and noticed two accounts listed from Professional Debt. I have mailed two notices to the company requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. My first letter was sent via XXXX certified mail on XX/XX/XXXX which they received on XX/XX/XXXX. I received no response so I sent a goodwill letter on XX/XX/XXXX received XX/XX/XXXX. I have yet to receive any communication.
Consumer complaint received 2018-07-09
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. (FL)

Somehow Equifax seems to have verified some information, That XXXX  deleted. XXXX  deleted all the items in question, they all get their information from the same source, how does that happen? XXXX  deletes the information, but, Equifax somehow verifies it.?? 

XXXX XXXX XXXX # XXXX Their is a pdf attachment with this complaint that Equifax is in violation of the FCRA, XXXX Deleted the same item that I challenged at Equifax.
Consumer complaint received 2018-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have numerous inquiries from the same companies when I've only given them consent to run a credit report once. XXXX has FOUR separate inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I only asked for their services one time on the first date. I have a XXXX XXXXXXXX credit card and I've only applied once, but I have TWO separate inquiries from XX/XX/XXXX and XX/XX/XXXX. I only called XXXX XXXX on XX/XX/XXXX to ask questions about their options. My credit should've never been evaluated. Lastly, I never gave a consent to XXXX XXXX  on XX/XX/XXXX to run my credit. It's a credit repair company that I never used as I have been attempting to repair my credit on my efforts. TransUnion has 7 inquiries and XXXX has 8. The numbers don't even match each  agency, and the random credit runs were unnecessary actions.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NC)

I had know ideal I had this account with XXXX XXXX Whom the sellers are XXXX XXXX. Until I seen it on my credit and a notice of payment. I then contacted XXXX XXXX XXXX XXXX informed me they had turned it over to XXXX XXXX I need to get in contact with XXXX XXXX XXXX I didn't get a good response. I then hired an Attorney made a police report put a freeze on my credit a fraud alert. The Attorney worked very with them conference calls, Documents. A signed affidavit. and more. XXXX XXXX sent me some documents showing what was purchase. I explained to XXXX XXXX, We had rented out rooms to some boarders but I had never seen any of that merchandise. Whoever the person was made payments on the items, I had know ideal what was going on At the time all this was happening I was taking care of my ill husband who died at home. I had know time to do any of these thing. also XXXX ware coming and going, They even told me I need a break but I never left my husband side. Everything he need was being delivered by different drivers. I took very good care of him, until he pasted on. I then stopped allowing boarders to live in our home. I had know time I mean Know time to think about shopping a XXXX XXXX, XXXX XXXX XXXX stop pursuing payment but will not release it off my credit.
Consumer complaint received 2018-07-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Assured Financial Partners (CA)

Business sent a text message asking that I return the call. I forgot. 2 days later I get a call from a private number. I answer and speak to a XXXX XXXX. She verify 's the case number in the text message and then begins to verify my personal information. First she calls me a man, I am not a man ... Then she confirms my DOB which the date she had was incorrect, then she confirms my social. Which was incorrect. Then she asks about a street that I lived on at one time. I am familiar with the street name from my childhood, however she did not give a street number. Because I have lived on that street 20 years ago, I acknowledged the street name. Then she begins to tell me I have an unpaid debt from XX/XX/2009 and it's currently $ 1800+ the {$2500.00} court fees because they are getting ready to file a lawsuit against me. I let her know that I the account is not mine and that I have no recollection of it. She stated " Well they said you opened the account, and good luck in court, if you don't settle this account today ''. Once again I told her that I am not settling any account today, first it's not my account, 2nd she provided me in depth details about the wrong person and their account, and 3rd that she would be the one needing the luck in court, because the DOB and Social that they have for " me '' as she stated is not correct. Not only that she threatened me with court for an account that was closed in XX/XX/2009. Even if this was my debt the statute of limitations is 4 years from account closure, or last negotiations in my state. She said I will be mailed the court documents and it would be best for me to show up, again I let her know that she didn't even have an address for me and she said it will go the the last know address. This is not right! It's not my debt, but if she had convinced me and I hadn't known better, and paid this account off for something 1 that I don't own, but was scared about being sued so I paid it, and 2 that I didn't know my statute of limitations for my state, that I could have been tricked into paying something that I can not be sued for. This is not the proper way to handle something like this. Now I have access to a social that is not mine, and a DOB as well as an account number. What if I was an identity thief? This company basically provides any information necessary to attempt to make a dollar. In this day and age this should be stopped, as people do pray on the identity of others, and now this business has provided me someone else 's info.
Consumer complaint received 2018-07-06
Product: Student loan — Private student loan
Issue: Getting a loan — Qualified for a better loan than the one offered
Company: College Ave Student Loan Servicing, LLC (NJ)

On XX/XX/XXXX XXXX I applied for a student Loan from a XXXX XXXX XXXX as a cosigner for my son. He is going in his sophomore XX/XX/XXXX. They advertise rates between 5.29 % I presume for very good credit & 12.07 % I guess for not so good credit. After filling out the loan application I was approved but the rate they gave me was ridiculous over 12 %. I knew my credit score was in the top % in the country around XXXX and my income level not bad over {$100000.00}. One outstanding loan car loan of XXXX being paid off currently 2.99 % the best rate you can get from XXXX XXXX. I immediately call College Ave. about the situation and to no avail the salesperson said they could not do anything about it. I asked to talk to the credit decision dept. and they would not connect me. They email to finish my loan bit I would not at 12 %. I then received a letter from them dated on XX/XX/XXXX thanking me for applying. I come to find that my credit score was even high than I thought FICO XXXX. I then called College Ave customer service and explain the situation again they finally connected me to a supervisor who told it was because my XXXX XXXX son did not have a long enough credit history. I told her that was the purpose of me being a cosigner. I am on the hook for the money not him. Anyway it did not end well. I also ask what is the criteria for the best interest rate? She could not answer. I believe that I was treated very unfairly and they falsely advertise low rates.