davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC (WA)

This very important and there is so much more to say but I don't know how or what to do. On XX/XX/XXXX I was the victim of identity and fraud. The thieves filed a claim with my bank, XXXX, for the last three months of car payments that I had made, I have documentation, and the bank placed a credit for the amount of {$1100.00}, while it was happening I was made aware that fraud was happening to my account, I called XXXX and alerted they're security department of what was / had happened. They tried to stop it but the crooks had already taken the money. Which caused an over draft for the money. I received a letter from XXXX stating that they had finished their investigation and had removed the credit, as they should have. And on the date stated in the letter, the XX/XX/XXXX, I thought that they would have credited back to my car loan company the  money. They had not released the money. I started getting phone calls from the finance company, Global Lending services LLC telling me that I was three months behind on my payments. I explained that I was the one who informed them that they and I were the victims of fraud and that I had filled reports with both the FBI and XXXX Police department for the incident and that XXXX was supposed to release the money around the 19 th. They didn't release the money. I started getting phone calls from the finance company, each one meaner then the prior call. I kept explaining, and I got no where. 
XXXX didn't give me a reason why the money wasn't released. I have been in communication with the finance company the whole time this is happening. If I had missed a call from Global Lending services LLC, I always called back. On Monday I had two missed calls, one was unknown number and one was anonymous. Only one left a voicemail and I couldn't understand what they said. Tuesday morning at XXXX XXXX I went out to my car and it was gone. I called Global Lending services LLC and found that they had repossessed my car. When I asked why, again, I'm supposed to be behind by 3 months. I asked why wasn't I contacted and was told that I ignored their phone calls. That's when I remembered the calls mentioned above. I replayed the voicemail, I listened to it six different times before I could figure out who and what they said, very low and fast, " Global Lending services. '' That was all. I saved it. I spent the next several hours on the phone with XXXX and Global Lending services LLC and that is when I finally found someone with XXXX to tell me that they didn't intend to release the money until the XX/XX/XXXX. When I asked why it was because they could, they said that the law gave  them 45 days before they had to release the funds. When I told them that they had repossessed my car the only thing that they said was sorry. Meanwhile Global Lending services LLC is reporting that they repossessed my car with the credit bureaus for late payments
Consumer complaint received 2019-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

A two page cover letter to the CFPB explaining what happened along with the 20 page letter to the credit card issuer 's credit bureau disputes department and two credit bureau reports faxed on Monday, XX/XX/XXXX will be uploaded to this account. The credit card company has not acknowledged receipt yet. Four follow-up phone calls to the company failed to reach the credit bureau disputes department.

At the risk of being redundant, an item costing {$1300.00} ( with expedited delivery ) purchased from a merchant was never delivered to me. After several attempts at resolving the matter with the merchant in good faith, the merchant failed to track down the location of the missing delivery. I reported the missing delivery to the credit card company and their disputes department met great resistance from the merchant. I believe that the credit card company worked hard on my behalf.

During this seven month struggle, a conditional credit was granted me in the first two billing cycles but the charge reappeared in the third billing cycle. I protested, the Disputes Department reissued the conditional credit before the cycle completed, but the billing department kept the charge on my account. In the interim, it was my understanding that I was absolved from having to pay for something I did not receive. 

To make a long story short, the disputes department settled the matter in my favor but the billing department reported me to the three credit bureaus for being 30 days delinquent. This inflicted great harm to my credit. I was downgraded two levels from having an excellent credit rating -- the credit card company decreased my credit card limit from {$16000.00} to {$1000.00} and removed the {$5000.00} advance cash credit limit. The severity of these penalties prohibits me from purchasing a replacement for the item that wasn't delivered to me. 

Furthermore, with the lower credit level, I can not take out a personal loan until this matter is cleared up because the interest on the loan is predicated on my credit score. And, the time it is taking me to get all these issues cleared up is a secondary harm because I am now incurring late fees for not having the loan ( not to mention the time I should be devoting to other pressing issues ).
Consumer complaint received 2019-10-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I initiated an international wire transfer with Navy Federal Credit Union on XX/XX/2019. To this day, the recipient has not received the funds. The last notification I received was via email stating my transfer was successfully sent to the Federal Reserve. 

I called Navy Federal Credit Union and they say they cant help me, but only try to get ahold the Federal Reserve, which I am sure they did not. They told me this is out of their hands and that if I get no response from them, that means my funds are lost. 

First of all, what kind of bank says this to their customer??? 

Second, I was charged a high exchange rate and paid {$25.00} for this transaction so they are fully obligated to cough up the money if this gets lost, since I did everything on my part correctly. 

The three American entities involved are Navy Federal Credit Union, the Federal Reserve, and XXXX XXXX ( which is the bank that Navy Federal uses for currency exchange ). 

This will turn into a lawsuit against all three companies if this is not fixed, very soon. I need to know where the wire is, if thats not possible, for some reason, even with the secure technology the banks use, one institution will need to cough up the money and place it back in my account WITH NO FEES OR DEDUCTIONS. 

This payment was made to pay my rent, but of course, the banks mess it up and they dont even care. This is why I am asking you, the government, to step in.
Consumer complaint received 2019-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WA)

On XX/XX/XXXX I called Fedloan my servicer to discuss my pending application for renewal. The letter stated it was pending. When I spoke to the lady at customer service she stated it was approved and gave me my new payment amount. She did not state that my deferment was over although I had asked for a 2 month one and she said I was approved. I then removed access to my bank account so they could not take out the auto payment just to be safe. They still did on the 9th without my authorization. This is an illegal access to my bank account and misinformation given to me. No solution
Consumer complaint received 2019-10-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (NJ)

Radius Global Solutions ( hereinafter RGS ), has designed, compiled, and furnished negative information about me to one or more consumer reporting agencies. RGS lacks a bonafide and meaningful relationship with me, meaning RGS is NOT a party to any consumer credit transactions Ive executed, therefore, any and all information furnished by RGS to any of the consumer reporting agencies should be regarded as hearsay. Furthermore, RGS failed to provide me with prior and/or post written notification of its intent to furnish negative information about me. On top of that, RGS failed to send me, or mail me an initial communication apprising me of my right to dispute and/or request verification/validation of the alleged debt. Notice of the debt/negative information and that RGS is reporting it is of particular importance to me, the deprivation of which has caused my character, reputation, and credit to be unjustly damaged. Despite not having received such notification from RGS, I was able to mail them a notice of dispute more than 30 days ago, and requested that RGS provide me with verification/validation of the alleged debt in the form of substantively admissible evidence, including but not limited to properly authenticated original account and loan level documentation. My notice of dispute and request for verification/validation remains unanswered, and has not been returned to me as undeliverable. In the event that RGS responds to this complaint countering that it did mail/send me written notification of any kind, and that it was not returned to them as undeliverable, I would like this record to reflect that I completely and unambiguously reject any such future statements and respectfully request that RGS provide me with the name or names of the person or persons who possess personal knowledge of those facts as well as proof of service/proof of mailing. Im not playing games with you people. Your unfounded assertions, and erroneous reporting have caused me significant injury and Ive had enough.
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RS Clark and Associates, Inc. (GA)

Duplicate collection accounts from one collector show up on all three reporting agencies, XXXX, XXXX  and XXXX. Account information incorrect Collection agency went through a period of multiple harassing phone calls to my cell phone even after my telling them not to call. 
I called the collection agency XX/XX/2019 the agent admitted account duplication and reporting and refused to discuss removal. 
I have disputed accounts with Credit Bureaus but issue has never been resolved. Credit bureaus have failed to correct. Incorrect information remains on my credit reports and is noted as verified but disputed. 

The offending collection agency is : R.S. Clark and Associates XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX See attached information copied from credit report
Consumer complaint received 2019-10-11
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. (NY)

I am looking at my credit report and notice on XX/XX/2019 from I am being hit with a hard Inquiry from XXXX XXXX. However I didn't authorize anything with XXXX XXXX. Unsure how this happened but this was fraud, someone trying to use my identity. This is appearing on my XXXX  and transunion but it is inaccurate. I am looking for this misunderstanding to be removed from XXXX, transunion and any other credit agency showing this.
Consumer complaint received 2019-10-11
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: EQUIFAX, INC. (NY)

I am looking at my credit report and notice on XX/XX/2019 from I am being hit with a hard Inquiry from XXXX XXXX. However I didn't authorize anything with XXXX XXXX. Unsure how this happened but this was fraud, someone trying to use my identity. This is appearing on my equifax and XXXX but it is inaccurate. I am looking for this misunderstanding to be removed from equifax, XXXX and any other credit agency showing this.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Data and Contact Management Solutions, LLC (MA)

My XXXX account went into collections and DCM services picked up the account. They also stated that upon completion of final payment they would do a tradeline deletion. On XX/XX/21 with XXXX  credit bureau was reported as a derogatory condition..they also should be held accountable for advertising a service that can not be done.
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

XX/XX/2019 I was looking at my credit score and noticed there was a hard inquiry that I never applied for. XXXX XXXX XXXX  XXXX says I tried to apply with them on XX/XX/2019. I tried to call the company which they had told me I need to speak to equifax in order to get it removed as I did not authorize it or apply for anything with this company. I have provided a picture so you can see this Inquiry.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has vilolated my rights. 

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

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-10-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NJ)

Credit Collection Services ( hereinafter CCS ), has designed, compiled, and furnished negative information about me to one or more consumer reporting agencies. CCS lacks a bonafide and meaningful relationship with me, meaning CCS is NOT a party to any consumer credit transactions Ive executed, therefore, any and all information furnished by CCS to any of the consumer reporting agencies should be regarded as hearsay. Furthermore, CCS failed to provide me with prior and/or post written notification of its intent to furnish negative information about me. On top of that, CCS failed to send me, or mail me an initial communication apprising me of my right to dispute and/or request verification/validation of the alleged debt. Notice of the debt/negative information and that CCS is reporting it is of particular importance to me, the deprivation of which has caused my character, reputation, and credit to be unjustly damaged. Despite not having received such notification from CCS, I was able to mail them a notice of dispute more than 30 days ago, and requested that CCS provide me with verification/validation of the alleged debt in the form of substantively admissible evidence, including but not limited to properly authenticated original account and loan level documentation. My notice of dispute and request for verification/validation remains unanswered, and has not been returned to me as undeliverable. In the event that CCS responds to this complaint countering that it did mail, or send me written notification of any kind, and that it was not returned to them as undeliverable, I would like this record to reflect that I completely and unambiguously reject any such future statements and respectfully request that CCS provide me with the name or names of the person or persons who possess personal knowledge of those facts, as well as proof of service/proof of mailing. Im not playing games with you people. Your unfounded assertions, and erroneous reporting have caused me significant injury and Ive had enough.
Consumer complaint received 2019-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (CA)

Back in XX/XX/XXXX I received a collection letter stating that I owed money to US Bank, I did not because I had a current account open with US Bank. After the hassle with the Bank correcting the issue I closed my Bank account in XXXX with a XXXX balance. 11 years since this issue was resolved I received a collection letter XX/XX/XXXX stating I owe US Bank Money.  XXXX XXXX XXXX XXXX calls me 3 times a day after speaking with the agent telling him that I do not owe any money and this is the first timing hearing from them. He degraded me saying what kind of person are you that doesn't pay what they owe. I told him to send me a letter with the information of his claims, I did not agree to anything over the phone or in writing, stating I only had one account with the bank and closed it with a XXXX balance.
Consumer complaint received 2019-10-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

Paypal Refuse to give me Refund i used my XX/XX/XXXX credit card : ================================= service@paypal.com <service@paypal.com> To : Me XX/XX/XXXX at XXXX XX/XX/XXXX Hello Me XXXX XXXX has posted a new message regarding this case. 

View the message and respond Deadline to respond : XX/XX/2019 You or XXXX XXXX can escalate this problem to a PayPal claim before XX/XX/2019. On that date, this case will automatically close. Once a case has been closed, it can not be reopened or escalated to a PayPal claim. We encourage you to respond to your seller as soon as possible. 
Transaction Details Case number : XXXX Seller 's name : XXXX XXXX Transaction date : XX/XX/2019 Transaction amount : {$20.00} USD Your transaction ID : XXXX Sincerely, PayPal Help Center | Resolution Center | Security Center Please don't reply to this email. To get in touch with us, click Help & Contact. 

Copyright 1999-2019 PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
PayPal XXXX : XXXX Scam the owner promise me 10 sign -ups for {$20.00} on my website.He sends False Traffic hits to my website.I didnot ask for Traffic only 10 Gaurantees sign-ups i dont have one from this seller.I want Refund Now. 
Order # XXXX l 10 Paypal : Transaction : # XXXX XXXX XXXX : Url : https : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - https : //XX/XX/XXXX : XXXX XXXX
Consumer complaint received 2019-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC (NJ)

XXXX XXXX XX/XX/XXXX. O was in an abusive relationship that resulted in all of my possessions being stole and there is a report at XXXX  a police Department in New Jersey as proof. And later being placed as identity theft and legal action were taken place leading to a restraining order on the one accused. Still to this day, marking XX/XX/XXXX, XXXX XXXX ( {$190.00} ), CONTINENTAL FINANCE ( {$700.00} ), XXXX ( {$200.00} ), are sending debt collectors and fails claims that I applied for something new. Please help me make it stop and remove it from my credit report.
Consumer complaint received 2022-07-22
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: United PanAm Financial Corp. (TN)

I have tried for several years to remove these accounts that do not belong to me from my report. 

The first account is XXXX - I have no idea what this. Its has been on my report since 2019. 
The second account is XXXX XXXXXXXX XXXX. It has also been on my account since 2019. 
The third account is United Auto Credit. It has been on my report for 5 years! 

This false information on my report is stopping me from buying and house and getting other loans that would greatly help me.
Consumer complaint received 2019-07-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (OR)

I started banking with Key Bank a little over two years ago. I have had no problems with the bank until XXXX. I have been charged {$2000.00} ( {$890.00} on 37 fees in the last 90 days - that is insane ) dollars in bank fees by Key Bank in XXXX. I was informed when I opened my account that the account would deny any transaction if there were insufficient funds. I have asked about this over the course of XXXX because it continually would allow for my account to authorize purchases/ payments even when the account had insufficient funds. It was recently brought to my attention by XXXX ( XXXX XXXX, OR location - she is awesome and has been a huge help ) that in XXXX of XXXX an employee ( I do not remember her name ) changed my authorization to allow for overdrafts ( this was without my consent ). Prior to this incident I had no problems with overdraft fees. After finding this error, XXXX and I have worked together with several of the other branches and their managers to try to refund some of the fees. It has now been several months and there has been zero change or anything fixed. I am frustrated as a consumer that I was mislead, stressed, and treated the way I have been by this institution. This has negatively affected my overall health, my credit score, and my ability to live comfortably. I have tried to contact corporate about this situation only to consistently be hung up on by customer service and continually told to go to my branch to figure it out. When I get to the branch they tell me to call customer service. It has been a living XXXX to be honest. When the regional manager (? ) XXXX, found out that my main location ( this was in XXXX, OR and the manager was XXXX ) had shut down ( I wonder why ) she said " well, it isn't fair for the other branches to pay for that locations mistake '' - are you kidding me? I do not believe I should pay for the company 's mistake. I have done my best to work through this with them calmly and professionally but I am at the end of my rope and have lost all faith. Lastly, my account has a freeze placed on it ( XXXX recommended that I freeze it until we figure everything out to avoid more fees ).  This has worked great until I received several letters in the mail this week from Key Bank, threatening to close my account permanently and send the negative balance to collections. I called about this today and was told that there is nothing the branch level can do about it and I am not allowed to speak to the higher ups to figure out what happened. I was simply told that my direct deposit check would be taken in, the balance set back to XXXX, and that they would mail me a check for the difference after my account was closed permanently. I do not and will not ever recommend Key Bank to anyone and will do anything in my power to have anyone that banks there switch banks. I will share my story with everyone I encounter moving forward that mentions ANY bank.