davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (VA)

I paid off my XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXX. I then ran into on issue with my odometer statement. XXXX stated that I had not filled out the statement correctly. I then called back everyday from XX/XX/XXXX- XX/XX/XXXX to ensure they received the correct statement and it was filed correctly ( even after receiving email and verbal confirmation that it was done correctly ). On XX/XX/XXXX I spoke to a woman at Hyundai who stated my title had been submitted for release and to not call back for 5 business days. I waited 5 business days before contacting again. On XX/XX/XXXX I was then informed that my title had been missing since XX/XX/XXXX, almost a year before Hyundai allowed me to pay off my car. Hyundai finance told me that dealership I originally purchased my car from, or the DMV, had not filed paperwork correctly to send my title to Hyundai finance. I then called both the car dealership and the DMV. The dealership informed me that they sent the paperwork on the day I leased the car. The DMV then told me that they sent Hyundai the title on XX/XX/XXXX. Hyundai is now saying that they have done their due diligence to get the car title - even though the last attempt they made to receive my title was on XX/XX/XXXX. They are now saying that they can not send me any title and I need to wait 3-5 business days to even hear from someone at Hyundai. It has been almost 20 days since Hyundai has taken money for my car with little to know work being done to obtain my title.
Consumer complaint received 2023-01-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RS Clark and Associates, Inc. (TX)

I terminated my lease early at previous apartment complex named XXXX XXXX XXXX XXXXXXXX in XXXX of 2022. Upon move out I was informed on the walk through when turning in keys that 2 of the bedrooms carpet would need to be replaced due to pet damage. I informed XXXX that I had paid the {$400.00} pet deposit and {$500.00} deposit when moving in so if thats the case then it should be taken out of the deposit that was already paid. She then stated the {$400.00} deposit for the pet was NOT a non refundable deposit but instead was a pet fee and would not be applied to anything and that the fee is paid to just have the animal in the dwelling. So on top of paying the per fee I also paid a monthly pet rent for the animal. I find this a ridiculous abuse of charges and a way of nickel and diming tenants for nonsensical charges. So after receiving an email stating that ok the charges for 2 bedrooms to have the carpet replaced supposedly that charge is {$920.00}. Then after deposits paid the balance I owe is now {$660.00}. So after going back through my lease and charges I realized when this company took over after start of new lease they increase the charge for my garage from {$160.00} per month to {$200.00} per month with no advance notice. I emailed the company back and informed them I have no intentions of paying {$600.00} but will pay the balance of what is owed after difference of garage fee overcharges are offset in the balance. I will NOT be bullied into paying for unreasonable charges. They then sent my account to collections and suddenly the charges are now at XXXX. Never received anything via email no response no phone call nothing in the US mail. I specifically asked the representative XXXX to reach out to me and to NOT send me to collections. I tried to file a complaint on XXXX  for XXXX XXXX but was informed that supposedly the business is closed which is the management company for the avenues at XXXX. The business is NOT in fact closed and are now trying to extort fees out of me. I need a resolution for this issue.
Consumer complaint received 2023-02-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SandP Solutions, Inc. (TX)

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX  which involved me making deposits for a total amount of XXXX BTC from my Bitcoin of America account to the fraudulent investment firm.
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

Approximately every 6 months, Synchrony allegedly checks credit, then lowers credit limits on cards. 
They'll approve a XXXX limit, then 6 months later cut it in half or more. 
This is done on accounts that : Have never been used. 
Have less than 30 % usage. 
Have not once been paid late. 

This practice causes the usage percentage to shoot up, the cards to be over limit ( triggering 'over limit ' charges ), and cards to be declined. 

The notifications that the limit is being lowered are not sent until after it's done.
Consumer complaint received 2023-01-25
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. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  XXXX Account # : XXXX has violated 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

Theres a lot of inconsistencies on my report and is inaccurate.
Consumer complaint received 2023-01-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (GA)

Got a car from XXXXXXXX XXXX XXXX that car was not working so I took it back to them. I called wellsfargo to advise them that I am no longer in that car they was trying to get me a new one. I was without a car for over XXXX  months and wellsfargo made me make payments anyway. I didn't have that car XXXX  days. It was back at dealership and wellsfargo knew that
Consumer complaint received 2023-01-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NC)

On XX/XX/2022, my coinbase account was hacked, and approximately {$1000.00} dollars of cryptocurrencies were sold and the money transferred out. Original total investment in the account was roughly {$6000.00}, but current prices at the time was {$1000.00}. Coinbase has never resolved the problem, and though it's supposed to be insured, says they do not reimburse for hacked accounts. They only reimburse for " theft ''. Not sure how else one can steal money without hacking. They will do nothing, and to-date, I am still unable to get access to the account. It does not send me an e-mail to change my password, or access it. They send me the same repeated e-mail over and over when I reach out to them about checking my spam mail, but it is NOT in there. Can you PLEASE help me get a reimbursement?
Consumer complaint received 2023-02-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : XXXX XXXX XXXX, account number XXXX, which has been late payment. 
XXXX  XXXX, account number XXXX, which has been late payment. 
XXXX XXXX XXXXXXXX, account number XXXX, which has been late payment. 
XXXX, account number XXXX, which has been late payment. 
XXXX  XXXX, account number XXXX, which has been late payment. 
XXXX XXXX XXXX, account number XXXX, which has been late payment. 
XXXX XXXX  XXXX XXXX, account number XXXX, which has been collection. 
XXXX XXXX XXXX, account number XXXX, which has been collection. 
I believe that these accounts may contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the information on these accounts may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA.

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts.

Cease any collection activity related to these accounts until the issues have been resolved.

Provide me with any documentation that supports your position on these accounts.

Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues.

I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-27
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: Javitch, Block & Rathbone LLC (TX)

On XX/XX/XXXX I filed a complaint with CFPB about this same debt and debt collector/law firm. See that complaint here : YOUR COMPLAINT I received notice that I am being sued by XXXX XXXX XXXX, XXXX XXXX at a trial on XX/XX/XXXX in a Justice of the Peace Court . I do not know the company nor have I done business with them. I am XXXX years old, widowed and on a limited income. I can not afford an attorney. I believe this is a scam and a form of harassment due to my age. I have filed a complaint with the Attorney General of Texas and sent an email to the Justice of the Peace regarding this.

The response from the company is here : Company responded Status Company responded on XX/XX/XXXX Response Type Closed with explanation Company 's Response XXXX XXXX XXXX XXXX XXXX acquired a XXXX XXXX account in XXXX XXXX name reflecting a balance of {$3400.00}. When efforts to resolve the debt were unsuccessful, the account was placed with XXXX XXXX, XXXX with authorization to file suit on our behalf. The matter was subsequently transferred to Javitch Block, LLC. Based on the information XXXX XXXX provided and as a courtesy, we have instructed Javitch Block, LLC to dismiss the case. XXXX XXXX XXXX XXXX XXXX is terminating further collection efforts and closing its file. Thank you for the opportunity to respond. 

The most recent letter dated XX/XX/XXXX from Javitch Block LLC is attached and again a request for debt collection for XXXX XXXX XXXX XXXX but no indication for what. I do not owe XXXX XXXX XXXX or Javitch Block LLC. 

I would appreciate assistance on this. Preying upon the elderly should be a criminal offense. Regards, XXXX XXXX XXXX
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My old account was closed last month when I told back in XX/XX/2022 it would be closed then due to fraudulent activity from someone in California hacking in/making as if they were a loan company. Account should have been closed in XXXX when the agent told me it would be and when she opened me a new checking account with the bank. Fast forward to today I wake up to {$540.00} hold on my current account. Basically Im told even though someone took money from my account Im still accountable for paying balance owed
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

Somehow my Wells Fargo account got set up for overdraft protection when I previously have not had that feature and charges would decline including reoccurring payments. It took me XXXX attempts to finally get an answer as to why that was happening and I was refunded XXXX overdraft charges but they initially only wanted to give me XXXX  % of the overdraft charges back. A supervisor gave me the whole amount back. I was told I was unenrolled from that, but XXXX  days later I still had XXXX overdraft charges to my account. The second supervisor was a complete XXXX  about it and did not want to give me anything back even though this was a Wells Fargo mistake ( for my account being somehow signed up for overdraft protection. ) She was completely rude and was not going to give me anything back until I told her I was going to open a claim with this consumer protection. She finally gave it back to me after that and then hung up on me. This is the worst customer service and scam. I used to be so happy with Wells Fargo and now they're complete fraud. They are still doing what they got sued for. Representatives are also only allowed to give XXXX  % back which is a total scam also. After speaking to the last route customer service supervisor I went to my account to take screenshots of all the overdraft refunds to provide to this site now I can not pull up all of them because part of my account search feature has been XXXX. Never have I had that happen until now so I can not even take screenshots of all the refunds from them fraudulently charging me overdraft fees.
Consumer complaint received 2023-02-27
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: Blackhawk Network Holdings Inc. (LA)

On XX/XX/23, I purchased several Blackhawk Network ( BHN XXXX XXXX XXXX XXXX  gift cards to use to purchase goods and services in stores. Since that date, I have been unable to use the cards because every time I use the card for the full value, the card gets declined.

It appears that BHN is imposing some sort of arbitrary limit on using the full value of the cards, paritcularly when ran as debit. i.e., if I use a card to run a transaction for {$480.00}, it seems to go through. However, if I run a transaction for the full {$500.00}, it declines. 

This situation has happened at multiple stores, including in-person and online. This situation has also happened to other individuals across the country, so it seems to be pervasive. 

I have previously purchased similar cards with no issues, even as recently as XX/XX/23. I commonly purchase these cards and am very familiar with their functionality. 

I am concerned that the actions taken by BHN to modify usage of these cards is against the terms of the card, is unethical, and is illegal. 

The total of all of the cards which I currently have is {$4000.00}, XXXX {$500.00} XXXX gift cards. 

On XX/XX/23, I spoke with XXXX ( front line ) and XXXX ( supervisor ) at the BHN XXXX customer service department. Both parties identified that there isn't, and should not be, any limitation on the usage of cards. 

BHN case # XXXX
Consumer complaint received 2017-04-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Ideal Collection Services, Inc. (GA)

I just learned that I have an account in collections with this company. I do not have an account number or any other identifying information since I have not received any contact from this company. They are collecting on behalf of XXXX XXXX XXXX, an apartment complex that I no longer reside at. My family left XXXX XXXX on bad terms and they charged us for a number of items which we disputed but to no avail. In the end we sent a check to the company and we heard nothing further so we assumed there was no further action needed. We have n't received any dunning notice, verification of debt, notice to dispute from Ideal Collections Services therefore we were n't able to dispute the debt or even request verification. When I contacted the company I was told that because I do n't have an account number they would not be able to look into it but that they would " continue to pursue me '' for the debt and " most likely '' we will be sued. Threats and other improper communication tactics being used are violating my rights as a consumer.
Consumer complaint received 2023-02-27
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: EQUIFAX, INC. (FL)

The credit Bureau has violated the Law and the FCRA by XXXX the XXXX accounts below inaccurately on my credit report. I demand that the Credit Bureau removed the to accounts listed below from my credit reports immediately Ive never opened an accounts with neither of the creditors ever before : XXXX : XXXX XXXX XXXX Account number : XXXX Name : XXXX XXXX XXXX Account number XXXX, has XXXX XXXX XXXX. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2017-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

I have been waiting 4 months for this company Fedloan Servicing to process my IBR application. I faxed my original application on X/XX/17. Approximately 1 month later I received a letter in the mail stating that my application was not processed because it was incomplete. I called the customer service line and asked what was missing from the application and they stated that page 3 was missing from the application. On X/X/17 I faxed page 3 to Fedloan servicing. I called the customer service line again and asked if they received the fax. They said yes and stated they would begin processing my application. Yesterday, I received a bill in the mail in the amount of XXXX which is outrageous. I called Fedloan Servicing again and inquired about the status of my IBR application. The customer service representative informed me that my application had not been processed because I did not fax all the documents together in one fax. Since I faxed page 3 in a separate fax they would not process my application. This is ridiculous. Over the past 4 months not a single employee of this company informed me that all documents had to be included in 1 fax. Different employees will give you different stories when you call them on the phone. Multiple employees told me it was perfectly good to submit the missing 3rd page by itself. I now have another employee telling me that all documents must be faxed together. Why is it so hard to take the page 3 fax and add it to the other pages and complete my application?
Consumer complaint received 2017-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NH)

My loans for the past > 2 years have been under FedLoan servicing. They were taken over by XXXX when I started on the XXXX XXXX XXXX XXXX program. 

This spring I re-certified my income so I could continue on with my XXXX program. That is when the difficulties began. Initially they declined my re-certification multiple times due to not having sufficient info to verify my income. This was despite the fact that I submitted my XXXX 's and my IRS tax transcript. This delayed my re-certification past the deadline despite me submitting everything on time. During the multiple phone calls to resolve this issue they mentioned that while I clicked to recertify back into my same plan I also clicked a box on my forms erroneously to try to put me into a lower repayment program. It was a short discussion notifying me that I could be eligible to be put in a similar program that would not effect my PSLF eligibility and I would simply pay less each month. I told them I was fine with this as long as it did not effect anything overall. As I have had other friends do this I did not think much of it. 

Unfortunately my loans initially got put into standard repayment so I was debited {$560.00} for an unclear reason, then {$8000.00} from my account. I needed to call my bank to have this payment stopped. I also have an upcoming payment due for > {$3600.00}. My loans were supposed to be put in forbearance during the switch over as it takes XXXX a few months to determine my new program and monthly payment. Now I have XXXX payment overdue and likely another upcoming as I will not be paying the {$3600.00}. 

Now finally they have given me the info about my new repayment program and I will be paying > {$1900.00} a month. Previously I was paying a little over {$1800.00}. So after all of this I will be paying more, not less. To add to this confusion I was initially quoted approx {$1200.00} for the new program. 

On top of this I just realized that they added over {$43000.00} to my loan balance due to interest capitalization from the switch over of my loans. This was never explained to me and I would never had agreed to a switch if I new this would happen. 

When I spoke to a supervisor from XXXX the only option he gave me was to continue with the new repayment program and they will try to correct the {$8000.00} and {$3600.00} payment owed. They would not be able to correct my loan balance and the {$43000.00} in loan capitalization would remain applied. 

I am not sure if this is fraud or incompetence. I just want to be in the same program I was prior and back at my original loan balance. I am not sure what to do and I am at a lose. 

I would appreciate any assistance you XXXX be able to provide.
Consumer complaint received 2017-08-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Inquries that was once removed has appeared back on my credit again. Transunion was suppose to remove them. It may be due to there inquiry issue.