davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (IL)

I Leased XXXX XXXX XXXX in XX/XX/XXXX for $ XXXX. shortly after the lease I find myself under a lot of emotional and financial XXXX  as I am now a victim of these theft and vandalism crimes in my area, which are still on the rise for this exact make and model. First date was XXXX XXXX my vehicle was in the area of where I attend XXXX XXXX XXXXXXXX the window was busted in and I had to repair it out of pocket cost {$300.00}. And again rear window was busted into XXXX XXXX another out of pocket cost of {$300.00} for window repairs! There is also damages to the key ignition and steering wheel column which impacts the cars overall function. Repair cost and estimate is still pending at this time. After the first incident I took the car back to XXXX dealer in XXXXXXXX XXXX  and other places to try getting out of this vehicle, I was told my car had depreciated in value to $ XXXX which is ridiculous. now with no where to turn I feel trapped in a vehicle that has caused me already too much XXXX XXXX XXXX XXXXXXXX, I am risking my safety driving in this vehicle, not to mention the fears I have driving and parking it anywhere in an open area only to come to a missing or vandalized car is sickening. These incidents have left me to drive with broken glass, during winter months standing outside having to call police to scene, crying and feeling completely violated. In other recent attempts to trade in I feel undervalued as a customer at these dealerships and as a consumer of a XXXX vehicle. The low trade- in value Im rudely being offered for this vehicle is not fair, I should be able to trade this car in for something of equal value as my purchasing price. I can not afford to think my only option is to just under sell it after only having it for 4months, I want to avoid giving up on this car and ultimately ruining my credit over Hyundais faulty production of older models not installing immobilizers leading to this ridiculous trend of cars being stolen! By reaching out I am wishfully hoping someone can assist me in a better solution!!! For my peace of mind and safety!
Consumer complaint received 2020-05-27
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. (TN)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-05-20
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: Bread Financial Holdings, Inc. (NJ)

On XX/XX/19 I purchased a diamond and tanzanite bracelet in XXXX from XXXX XXXX and financed through Comenity Capital Bank. They held my bracelet at the store while they sized a ring I purchased. I believe they switched bracelets and when I came home from cruise the bracelet in the box was defective. I immediately got in contact with XXXX XXXX and went through process of returning it and waited for a new one. Months went by with many emails from me to them with no resolve. I do not have the bracelet, XXXX  XXXX. has continually lied about the status of the bracelet, and I have all the emails for proof. I filed several claims with Comenity Bank who always says they will research the matter. They have removed the {$3300.00} and then put it back on my card numerous times. XXXX  sent me a voucher for {$3300.00} to purchase something else. This bracelet was chosen as a memory of my cruise to XXXX, I don't want anything else. So I returned the credit voucher to XXXX and made a copy of that voucher which I voided and sent it to Comenity. I have a whole file of correspondence from both Comenity and XXXX. The are still billing me for something I do not have. I want my account credited for the {$3300.00} I paid {$1700.00} for the ring I purchased, and I paid that off through Comenity.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I have a student loan from XXXX and I have never missed a payment. However on XXXX, XXXX and XXXX XXXX XXXX it shows up on my credit report that I missed a payment for these XXXX months. This is inaccurate and I even just got off the phone from XXXX and was informed in their system that I have never missed a payment. This error on my credit report is hindering me from buying a home.
Consumer complaint received 2023-01-31
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. (AL)

I recently received a copy of my credit reports, and I noticed a late payment posted by XXXX XXXX XXXX XXXX for XXXX, XXXX, & XXXX last updated on the XXXX of XX/XX/2023. 

This company reports a 30 day late without my consent. 
XXXX XXXX Acct # - XXXX Your company is in clear violation of the law, Under 15 U.S. Code 1681b Permissible purpose of consumer reports.

THE LAW CLEARLY STATES!

( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I ever give you written instructions to furnish this account on my report?

Furthermore, the Fair Credit Reporting Act 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I never gave written consent to provide information to any third parties about the reporting of transactions and experiences.

Delete the above late payment from my consumer report. This agency is in violation of 15 U.S. Code 1681.

Failure to respond satisfactorily with the deletion of the above referenced account, and a free copy of my updated credit report after changes have been made, will result in legal actions being taken against said company. For which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616. Civil Liability for willful noncompliance [ 15 U.S. Code 1681n ]
Consumer complaint received 2023-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices of Robert J. Colclough, III (CA)

A company named XXXX XXXX put a lien on my bank account with XXXX XXXX  XXXX back in XXXX of 2015. They took out almost {$2000.00} from my account at that time and drained it out. After filing court documents to get the judgment quashed because I was never served properly, XXXX and I worked out a deal. They agreed to keep all the money they took out of my account in exchange for resolving the outstanding debt. I was under the impression that this matter had been closed. 

I received a letter just yesterday from a firm called Law Offices of Robert Colclough that says I owe them money for a debt they purchased from XXXX XXXX XXXX XXXX, stemming from my debt owed to XXXX XXXX, nearly 8 years after I resolved my issues with XXXX. 

This was completely out of left field. I was completely blindsided by this letter. I have been under the impression for 8 years now that this debt has been resolved. During XXXX I worked tirelessly to repair my credit and resolve all outstanding debts that I had. I left no stone unturned. 

To receive a letter like this years later just seems like a shady attempt to bamboozle me out of more money when I have already reached a resolution with the original company, XXXX XXXX XXXX. 

I called the Law Offices of Robert Colclough to resolve this and explain the situation to them, but they do not seem like they are interested in helping me resolve this matter. They just want to bilk me out of more money. I had an agreement with XXXX XXXX. Theres no reason I should have a collection company sending me any letters about any debt stemming from that original debt. Everything has been resolved for 8 years now. 

Please help!
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

Purchased an Amex gift card from XXXX for XXXX gift to mother in law. She tried to use it and the retailer continued to say problem with card not activated. I spoke to XXXX  with my receipt they shifted blame to AMEX prepaid card, I spoke to Amex and they had long wait times and several times hung up upon answer far too many times to be a coincidence. They finally after 2 hours on hold took my issue and provided me a bogus email address to send my receipt copy of card and documents. I XXXX  the correct email address and responded to an email they sent me from another email address as well faxed the required documents to their fax to ensure they had all information confirmed. I followed up on XX/XX/XXXX and they stated they did not receive the documents, I then resent the documents XX/XX/XXXX. I followed up and AMEX customer service acknowledged receipt of all documents and requested an additional 7 business days to investigate and resolve. I contacted them via phone on the XXXX day, however, they then aid they didn't complete the job and escalated to back office and 48 hours later would resolve. I called 48hours later and they said the update is wait another 3-4 business days for a response. No resolution
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST (CA)

I opened a checking account on XX/XX/2022 I provided everything they asked for and my account been working up until XXXX out of no where my account online was locked I couldn't login and I called to see what's going on and they won't speak to me can't tell me what is going on until I go in a local branch which is XXXX miles away not to mention XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX because of my age and so i am on high alert XXXX XXXX which means I can't even get up to use the rest room XXXX XXXX XXXX XXXX. I would like a simple answer as to what is going on with my account and why I'm unable to use or log in to my account.
Consumer complaint received 2023-01-31
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waterfall Revenue Group (NJ)

I dont recall when but I went to XXXX XXXX XXXX in XXXX nj with stomach pain. Upon, y arrival the doctor told me he would like to do an XXXX. I said I can not afford out of pocket costs with my insurance because it is extremely limited. The cost of my weekly deduction was XXXX dollars. It is now XXXX dollars. For one person. A bare bones plan my job offers simply to avoid the fee they would be required to pay if they did not offer it. The doctor office and my insurance company both said the procedure would cost me XXXX dollars out of pocket as long as I did it in the doctors facility. If there was anything else there would be a small fee I would be billed for. Again I asked numerous times if every person involved accepted my insurance to which I was told yes. About 4 weeks later I received a bill for over XXXX dollars. This is not a small fee. The anesthesiologist did not accept my health insurance as I was previously told they did. It was sent to waterfall revenue group. I told this doctors office before I went for this procedure I couldnt not afford a large bill with my XXXX dollar a month rent bill and a XXXX girlfriend. So it went to collection. XXXX  agreed with my dispute and removed it from my credit profile. Now this company waterfall revenue group has opted to drop it onto my XXXX report causing my score to drop 40 points in one day. The doctors office lied to me. New Jersey has a no  surprise bill law. This bill is the biggest surprise Ive ever gotten.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

In XXXX of XXXX USAA offered me a promotional XXXX XXXX cash advance check, with XXXX XXXX interest thru XX/XX/XXXX. I took a {$2200.00} cash advance in XXXX of XXXX. Starting in XXXX I noticed my regular monthly purchases were accruing interest, even though I was paying my monthly purchases off in full each month. USAA 's ludicrous explanation is that because I had not paid off the cash advance that my account overall was not paid in full and my regular purchases would now accrue interest. This is pathetic attempt to cover up a misleading and fraudulent offer. Why would I take out a {$2200.00} " XXXX XXXX '' cash advance in order to pay interest on the other {$5000.00} in regular monthly purchases I do with them? USAA could have easily disclosed this detail with the other details of the cash advance on the page where the promotional advance was offered ( page XXXX of the attached PDF ), over half of the page is left blank. To give me a XXXX XXXX  offer that by definition triggers interest on your regular purchases, even when paid in full, is shameful.
Consumer complaint received 2023-01-31
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. (CA)

I HAVE ASKED XXXX, XXXX AND EQUIFAX MULTIPLE TIMES TO INVESTIGATE THE ITEMS THAT ARE REPORTING ON MY CREDIT REPORT AND IF UNABLE TO VERIFY TO DELETE. 

I recently submitted a dispute requesting that they remove the following inaccurate accounts ( or that you update the erroneous information ) and it was ignored. I asked for their method of verification and documentation to prove they performed an independent investigation. 

They did not send me any sort of information but instead, denied my dispute and just verified everything as accurate. 

I also noticed that are reporting the date of the last activity incorrectly on one and payment history is inaccurate on the others. How is this possible? 

These disputes were ignored : XXXX XXXX - delete this account for inaccuracy, the date of last activity states : [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] XXXX XXXX XXXXXXXX - delete this account for inaccuracy, the payment date is reporting at 30, 30, R. This is a violation. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX - delete this account for inaccuracy, the payment history is reporting in XXXX : 30, 60, 60, 60, 90, 60, 90, 90 this is a violation. 

I would like ALL of these accounts removed from my credit report as the bureaus DID NOT file an investigation nor did they provide me with the documentation asked in order to confirm their findings.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

Synchrony keep messing up my mailing address and therefore, charged me a {$29.00} fee. This isnt the first time I have issues with the company about not having the correct address and charging fees. Just today, XX/XX/20, I spoke to a representative and her manager about the issued. Event thought the address was wrong, they stated that the could not be waived, even though this is their error.
Consumer complaint received 2020-05-20
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. (IL)

I have reply contacted XXXX  and Experian to remove account that are reporting invalidly reporting the following accounts are incorrect XXXX XXXX ( XXXX XXXX  ) the balance is XXXX not XXXX ; XXXX   was never late, XXXX was never late and doesn't have a balance its paid in full as agreed XXXX ; XXXX XXXX XXXX was never late its paid in full balance XXXX. XXXX XXXX XXXX XXXX and XXXX are both due to ID Theft and need to be removed in their entirety. I have received notices that the items were deleted and updated and somehow they were re-inserted invalidly.
Consumer complaint received 2023-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (RI)

Dear XXXX XXXX XXXX XXXX XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2023-01-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

In XXXX i had to file for bankruptcy due to the downturn in the economy. I tried to work with Wells Fargo by filing for a modification on several occasions from XXXX to XXXX. Each filing i had to show what my hardship was along with verification of income. Each time they said i didn't qualify or never responded. It was very nerve racking and eventually i had to go and work XXXX part time jobs along with my fulltime just to make payments and keep my house. I had to spend XXXX to file for bankruptcy due to them not giving the modification. I also tried to apply for a harp help through Well Fargo but they were not able to help me. There was no reason at all that i couldn't have been approved for the modification. I would like not only the amount i had to file for bankruptcy along with the amount of money i should have received from the modified loan from the time of applying until i refinanced with another company. 

I was also charged hundreds of dollars in Service charges on both my mortgage and my checking account with Wells Fargo
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 
XXXX XXXX
Consumer complaint received 2023-01-30
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. (AZ)

Information that I own money to the XXXX XXXX XXXX is incorrect and I do not own this I have sent the information for dispute as well as the reason I dont owe this.. this was an error on the finance ( unit ) And XXXX XXXX which Im up to date on
Consumer complaint received 2023-01-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had me send {$870.00} and then {$1000.00} as payment for a non-existent puppy to an account in the name of XXXX XXXX via XXXX transfer. Once I found that the puppy didn't exist, the next day, I contacted my bank and asked them to stop payment. They said they tracked the payment to an existing bank account and that they froze the account until the money could be sent back to me, but nothing has happened since the transfer date of XX/XX/22. I also sent {$1000.00} in gift cards to cover the " rental '' of a new crate at the airport they said was insufficient for his travel and that it would be refunded at delivery, but they demanded XXXX gold gift cards that can't be recovered as I understand it.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I was an account holder during the years of XXXX to XXXX. I have not been included in the recent settlement reached regarding WF " breaking federal consumer protection laws that apply to financial products, and the bank has now finalized a settlement to the tune of {$3.00} XXXX. '' What do I need to do to be included in this settlement? 
Thank you XXXX XXXX