davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Global Lending Services LLC (FL)

In XX/XX/XXXX, i called Global lending to make my normal monthly payment when a representative advised me that my account was CLOSED and my car principal was paid off and my title would come through the mail soon. ( I worked over seas at the time, so i was unable to retrieve any mail ). She did advise me of fees that were at the end of my loan that i would need to take care of ( late fees etc ). I asked her could i possibly make smaller payments towards those ( fees ) at a later time possibly XXXX $ per month and she said sure. At this time, Im am under the impression that my car principle balance is paid off, the title is in the mail and this car after 5 years is mine. I was aware of ( fees ) that i owe to this company for late payments and etc. but she told me the car principal balance was paid. On XX/XX/XXXX, my car was repossessed by this same company. I never received 1 call from them or letter but they picked my car up from my address. I was never made aware that my car was in any default status. I kept the same number for a year and it was discovered that during the course of that time i was not called. Im not sure if the representative intentionally gave me False or misleading information, however her negligence has cost me my vehicle and my financial reputation. I have been in contact with the company since the repossession and i have filed a complaint in this representative for her misrepresentation of my account. As a consumer, i feel as though my account was mishandled, i would have made a more educated decision if i was aware of the potential consequences of my account. In the year that this business took not reaching out and making me aware of my debt it caused detrimental damage. I pull my credit report regularly and this account stated closed as well as a zero balance online. This company should be held accountable for misleading consumers or not making sure their customers understand closing details and charge off statements.
Consumer complaint received 2017-09-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

DATE : XX/XX/XXXX COMPANY : MONEYGRAM AMOUNT : XXXX DLLS.
REFERENCE NUMBER : XXXX ORDER NUMBER : XXXX I DECLARE THAT THIS SEND IS CANCELED SINCE XX/XX/XXXX AND I HAVE BEEN PERSONALLY PRESENTED TO REQUEST THE RETURN OF MY MONEY IN 5 OCCASIONS IN THE OFFICE WHERE I DID MY TRANSACTION.
I HAVE ALSO SPOKEN MULTIPLE OCCASIONS AT XXXX, THE ONLY TELEPHONE WHICH HAVE WHERE THEY SHOULD RESOLVE MY SITUATION WITH RESPECT FOR THE RETURN OF MY MONEY AND ONLY PROMISE ME SAYING THAT IN THE FOLLOWING 24 OR 48 HOURS I WILL OBTAIN IT.
HOWEVER, THE SAME ANSWER HAS ALREADY TOLD ME SOMETIMES AND THEY HAVE NOT RESOLVED ME WITH RESPECT TO THE RETURN OF MY MONEY
Consumer complaint received 2021-06-22
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: Experian Information Solutions Inc. (CA)

There is one account on my credit report that does not belong to me this is not my account I have not used signed or authorized this account I need this removed from my credit report!!! 

XXXX  - Account # XXXX XXXX XX/XX/2020 XXXX $ {$11000.00}
Consumer complaint received 2020-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: OpenRoad Lending (CA)

Responded to flyer to refinance auto loan. Submitted info as requested. OpenRoad switched the interest rate from XXXX  to XXXX, in spite of the offer. Loan was approved and immediately sold to XXXX XXXX. A GAP policy was included which was never discussed, or agreed to. The GAP form is unsigned. Unable to get any response from OpenRoad, and XXXX says they can not help. I attempted to cancel the whole loan, but was unable to due to the fact they had paid previous lender already. I then began to get credit notices from several firms, indicating that OpenRoad has made hard credit inquiries without my permission. I have attempted to cancel the GAP policy, but no success. This company should be stopped from this bait and switch tactics and misleading advertising.
Consumer complaint received 2021-07-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (CA)

I am submitting a complaint against Navy Federal Credit Union to warn others that if your account is ever compromised as an immediate result of being a victim of fraud they will not resolve your case to have your account unrestricted. A teller there informed me of my account being restricted when I went to make a deposit for {$30.00} one day. The deposit went towards the outstanding balance of about {$210.00} due to an unknown check that was cashed into my account by a perpetrator and not even endorsed with my signature, or any signature, on the back of it. I had no knowledge of this activity until the teller informed me. I then was told the account will be reinstated once the outstanding balance is paid in full and an appeal was submitted. Well, I went through a lot of trouble filing a case and contacting the police department about my situation that involved this dispute before paying any full amount of anything I had no partake in. Once my case on file with the police department was getting somewhere, I decided to go back to Navy Federal to pay the full balance and submit my appeal. I was granted victim restitution reimbursement for my financial loss and had my paperwork to back up my claims ready for investigation and review. Even though my legal documents and explanation of the situation that transpired were submitted to Navy Federal Credit Unions security specialist team, they denied my appeal. Shocked by the outcome, I then went further to contact the president of the company by email and was reached by a senior executive who confirmed that the decision to deny my appeal was final. This shows that they do not care about their members once a problem as such occurs. It is not uncommon for people to be victims of identity theft. Anyone who is and finds their accounts compromised with Navy Federal Credit Union will NEVER be granted access to be a member again and you will not get your money back. This is unfortunate because the credit union is highly recommended and favorable for the perks they offer to their members and I was stripped of the opportunity to be able to continue utilizing their services due to the nature of this incident. Im not for certain if this reasoning is mentioned in the fine print of their new member agreement contracts, but it was not a specified reasoning that was mentioned to be used in part of them making their decision to deny my appeal. As a prior member, I am very disappointed and displeased with my experience with Navy Federal Credit Union. Their security specialists team pretty much overthrew police records and documentation that may or might not have even been thoroughly investigated to begin with. Dont try your luck getting a similar situation resolved, if you are being affected. Reporting to the police doesnt work in this case. If anything like this has ever happened to you, your best bet is to bank somewhere else. Dont even consider Navy Federal.
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MT)

I opened the XXXX 's account XXXX, the credit limit was {$1100.00}. On XXXX the account was closed due to the fact that XXXX 's closed. I had around {$900.00} on the card, since then I have paid atleast the minimum due and my payment continues to go up. I called to resolve this they said there was nothing they could do. How can your balance owed continues to go up when the account is closed and the card can't be used? The balance on the card is now {$1300.00}. I have never been late on a payment. I feel I should not owe what they have charged to my card once the card was closed and payments were being made. Thank you for your help in this matter.
Consumer complaint received 2020-07-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Receivables Group, Inc. (NC)

I requested debt validation from Healthcare Receivables and I received back some charges but they changed the account numbers from what I request I requested a validation of debt from this company and they received it on XX/XX/XXXX. They sent back some charges and they did not respond to the account numbers that they have listed in my credit reports which are hurting me greatly. They have sent back fictitious accounts numbers bc they can not verify that this is my debt. The response on my complaint with XXXX  was the I was basically confused on what was an account number. They sent me some foreign account numbers that affected me being able to dispute with the credit bureaus. I will attach proof to this complaint. I have kept very meticulous records of my dealings with them.The correspondence that they sent has my named spelled wrong and an address I am not aware of. I do know my rights and I plan to use them to the fullest extent. I have no idea of these treatment locations nor this debt. I am convinced they are making this up to acquire money from people who don't know there rights. The dates they are showing on this paperwork is incorrect. I have witnesses as to where I was on the dates reported and will have that proof once we go to court. 
I KNOW THAT UNDER THE FAIR DEBT COLLECTIONS PRACTICES ACT WHAT MY RIGHTS ARE : REPORTING INFORMATION THAT YOU KNOW IS BLATANTLY A LIE AND INACCURATE VIOLATE MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT! I do not recognize thus charges and will let it be known that I am disputing it.
Consumer complaint received 2020-11-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd ()

On XXXX XXXX, 2020, I wire transferred an amount of XXXX USD from XXXX to transferwise.com. But on XXXX XXXX, 2020, it refused the transfer and started refunding. 
Until now, I have not received the refund.
Consumer complaint received 2024-02-23
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)

TransUnion for clarification is TransUnion indicating that XXXX XXXX-VERIFIED AS REPORTED as an inaccuracy or an accuracy? Despite the proof of inaccuracy information that I provided from TransUnion ; also is TransUnion claiming that they are in compliance with 15 U.S. Code 1681e - Compliance procedures reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate?
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Following the XXXX hack, TransUnion has concealed the option to freeze my account and placed it at the bottom of the web page. In addition, I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2017-12-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC (OK)

MRS Aaociates called my business provided and paid cell phone  on XX/XX/XXXX asking for XXXX XXXX. I told the woman that there was no one by that name nor did I know anyone by that name. I told her she had a wrong number and not to call in the future. They called again on the XXXX and hung up when I answered. Then called again on the XXXX.  I called their number three time until I spoke to a XXXX XXXX and was told again they would take my number off but it would "take at least 48 hours"They call from different numbers that can't be called back. They repeatedly hang up When the call is answered.
Consumer complaint received 2017-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (CA)

I used to have account with XXXX including XXXX XXXX . Last year I moved to different city and request them to transfer XXXX XXXX account under my wife name . After 2 months they discounted the service saying that I owed them XXXX dollar and after paying that amount they restored the service again. In XXXX they started calling me to pay that amount again and started threatening to send for collection. . In XXXX I got letter from Diversified consultants for collections of XXXX( reference number XXXX). I called them and made them clear about the situation. Now they put this note on my credit file.
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX ( " Student Loans '' ) has wrongfully and illegally via violation of the Fair Debt Collection Practices Act reported duplicate accounts ( it should only have been reported once ). They are exactly the same ( with the same creditor ), but reported twice. This is severely harming my credit score. I had complained and filed a report and requested an investigation with all credit bureaus, but to no avail. They did not rectify the problem at all. The " duplicate report '' was filed as a charge off starting XXXX of 2017.
Consumer complaint received 2020-11-28
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2019-02-25
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: Exeter Finance, LLC. (WI)

Exeter finance has my credit reporting XXXX, and XX/XX/XXXX these dates are showing 30 days and 60 days late on my credit report. XXXX and XXXX haven't properly investigated my complaint because I have attached proof and they totally disregarded the proof I sent. Some of the late remarks were in deferment and I have proof.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OR)

About the XXXX breach, I logged on to their website to start a Credit freeze and filled out the online information they wanted and received a message when I hit the submit button that my file could not be found! I believe they have deliberately made it impossible to file a credit freeze. How could my Credit report information not be there and available? I have tried for 3 years through XXXX to correct my report with no response or action from them of any kind. I have sent them the requested information through the mail three times attempting to get my report fixed and they never made any acknowledgement they received it and they never made the corrections even with the proof I included they asked for. All Credit Reports should forever be eliminated so this can never happen again and Equifax should be required to immediately initiate a credit freeze on all individuals whose information was leaked not only with their company but they should be forced to freeze all credit reports with all companies and pay for the freeze costs immediately!
Consumer complaint received 2019-11-05
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: JPMORGAN CHASE & CO. (FL)

On XX/XX/2019, I purchased a large refrigerator from XXXX XXXX for {$5800.00}. XXXX contracted with a company called XXXX to deliver the refrigerator and haul away the old one. On XX/XX/XXXX, delivery company was extremely careless and caused significant damage to the new fridge and my limestone floor. After a week of trying to work things out with XXXX/XXXX, they continued to give me the run around refusing to replace the refrigerator and repair the property damage. For more than a month I have been bounced between XXXX, XXXX, their insurance companies and insurance of their contractors. No one wants to accept responsibility. 

On XX/XX/XXXX, I contacted Chase to stop payment to XXXX XXXX. On XX/XX/XXXX I submitted all the supporting documentation, pictures and evidence of the damage in the fridge and my property. 

Chase refuse to perform their obligation under federal credit law of protecting my purchase and stop payment to XXXX XXXX. It is taking them more than three weeks to process my claim, not stop payment, just make the decision to stop payment. I called them numerous times and get faced with rude dispute representatives and supervisors who don't want to even put me in touch with the person who is looking into my claim.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

Trying to do a credit freeze on all the credit reporting agencies due to the XXXX fiasco. Am being told there is a {$5.00} charge to freeze/unfreeze an account in Arizona at all three agencies. This is outrageous. Have already contacted the Arizona Governor, the Attorney General, and all my legislators about having this regulation for fees rescinded. Three legislators have called me back and I am being told they will not be able to introduce any bills till after the new state session starts in XX/XX/XXXX.
Citizens should not have to pay any fees for this freeze service. The credit agencies make enough money already and do n't need to subject us to more payments while we try to mitigate this disaster.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Trying to do a credit freeze on all the credit reporting agencies due to the XXXX fiasco. Am being told there is a {$5.00} charge to freeze/unfreeze an account in Arizona at all three agencies. This is outrageous. Have already contacted the Arizona Governor, the Attorney General, and all my legislators about having this regulation for fees rescinded. Three legislators have called me back and I am being told they will not be able to introduce any bills till after the new state session starts in XXXX. 

Citizens should not have to pay any fees for this freeze service. The credit agencies make enough money already and do n't need to subject us to more payments while we try to mitigate this disaster.
Consumer complaint received 2019-02-25
Product: Credit card or prepaid card — Store credit 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. (NJ)

On XX/XX/XXXX, I realized there was multiple purchase totaling in the amount of {$1700.00} ( {$370.00}, {$240.00}, {$190.00}, {$440.00} & & {$440.00} ) on XX/XX/XXXX in XXXX XXXX, PA. I never been in the state and I was worried since the amount of fraud charges were summing up to unbearably large. 
I've reported to XXXX XXXX credit card & they promised to dispute the amount. The amount still remains the same under the account ending with XXXX even after the 2 months had passed. 
Called again in XX/XX/XXXX & spoke with XXXX, Employee ID # XXXX from the Fraud Department, T. XXXX claims that I shouldn't worry about the balance still remains under the account ending with XXXX & it will take another 30 days for them to resolve an dispute. My Fraud case # XXXX, I'm very concern what will happen to my the balance that I am not responsible of & worry sick if these charges will effect any of my credit report because I seen the same exact balance on my credit report which XXXX XXXX claim that would never happen. Please help to resolve an dispute issue that I'm having.
Consumer complaint received 2022-04-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Braviant Holdings, LLC (TX)

Every other week, by XXXX XXXX Mail, I get a pre-Qualified loan offer from Balance Credit. Over XXXX months ago I applied for credit and was declined. I ask them to stop sending me these pre-qualified offers going forward. Today I received another one. I want these offers to stop as they will not approve the loan but yet they keep sending the pre-approvals. When I log in to their website, it states I do not qualify for a loan with them prior to accepting an application. Since they know this much information about me, surely they can stop sending me false misleading information about being Pre- Qualified for a loan. They have no intentions of approving me for a loan, but yet they continue to send these letters after I ask them to stop!
Consumer complaint received 2021-04-01
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. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX IL ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX