davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (TX)

I initially did the title loan XX/XX/year>. We used the value of the car, at the time $ XXXX... I had my daughter with me that day and she asked are stated " I don't understand this. '' XXXX explained ; " picture this as a huge pawn '' which alarmed me. That meant I would be paying an extinction/refinance every 30 days. The fees were not discussed. My XXXX XXXX was brought up, received a gift card and the cash was deposited. After realizing the interest rate of 181.55 %, the 30 days to repay or refinance were outrageous! It's so high to refinance XXXX a month, even my additional {$500.00} didn't help. I wasn't told of the rate. I reached out to customer service, to complaints to work something out. The text messages I received point to assistance but there is no assistance. A manager was suppose to call XX/XX/year> but I was informed it could take 10 days but it would be before my 30 days is up. Describing the loan as a " big pawn '' should be a red flag! If you pull the tape from that day you'll see the young man making the gesture as to something being large. Worst mistake of my life. AND RECOMMEND NO ONE EVER DO THIS. The only way to get out of this is to find someone that will buy out the title from TitleMax and place me on a monthly plan with a lower interest rate. This is definitely a predatory loan and usury. They may be protected but this shouldn't be allowed.
Consumer complaint received 2021-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Outsource Group, Inc (OH)

This company has falsely reported this debt on my credit report. This debt has been discharged via bankruptcy. This company has violated Ohio State Bankruptcy law by continuing to attempt to collect. Filed on XX/XX/XXXX. XXXX. Discharged XX/XX/XXXX. Medicredit was provided Bankruptcy documentation in XXXX and acknowledged the debt was no longer valid and all collection efforts would be stopped. I have suffered financial damages as a direct result of this companies illegal activity. I am pursuing legal action against this company.
Consumer complaint received 2024-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (ID)

Hello, My student loans are currently being serviced by XXXX I have two direct subsidized loans ( XXXXne balance is {$1900.00} and the other is {$1800.00}. I have one additional XXXX subsidized loan with a balance of {$0.00}. I have TRIED at least XXXX different times in the past year to pay off these loans in FULL starting XX/XX/year> and every time I make a payment in full, the Advantage system says that the payment was " reversed. '' Now, one year later, I owe an additional {$110.00} because they don't allow payments to go through. XXXX XXXX  XXXX XXXX of their service and have researched it and it sounds like this is a known issue. It sounds like they are reversing payments, so they can collect more interest from the borrower. I have checked the bank account numbers and everything is correct. I need to get this resolved though so my loans can be paid off and I can not be charged any more interest. I would also like them to waive the {$110.00} in additional interest since I first made my payment in full almost one year ago.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

Dear I C SYSTEM INC, I am writing to you regarding a debt that you claim I owe. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide validation of this debt. 

Please provide the following information : Proof that you have the legal right to collect this debt. 
A complete account history, including the original creditors name and address. 
Copies of any documents that show I agreed to pay the debt. 
A detailed explanation of how the amount claimed was calculated. 
Until you provide this information, I will consider this debt to be disputed and will not make any payments. Additionally, please cease all communication with me except to provide the requested validation. 

Failure to comply with this request may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (FL)

On XX/XX/2018 I recieved a notification via XXXX that a collection account had been added to my credit report, for the amount of :XXXX $ to L J Ross Associates. The original creditor was from : XXXX a XXXX, Il electric utility company..I never lived or worked in XXXX, Il . I was able to dispute it off my credit report for XXXX  and XXXX.I disputed with XXXX but recieved a email Pdf saying The Collection agency L J Ross Associates verified it was me.that a lie.I contacted them first when o saw on myfico they didn't have MY contact info but the person who used my SN # .If u contact XXXX.they wont have my contact info but another.I showed proof that the account is not mine.but just because Lj Ross say differently still on my credit report.I repeat they didn't have My contact info until I contacted them and ask what and why about the XXXX $ collection. Whatever date XXXX or lj ross may ask me to verify I can prove via paystubs that I live and worked in XXXX
Consumer complaint received 2024-10-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (CA)

On XX/XX/XXXX I received a letter from borrowers defense that my loans will all be discharged and any money paid will be refunded to me.

On a call with XXXX XXXX XXXX XXXX XXXX, they finally cancelled their portion and refunded me {$2000.00} on XX/XX/XXXX. I called them to get more information because AIDVANTAGE will give me zero information about amounts or even to admit these should be discharged or refunded. All they will say is that it's on forbarence. On the phone they said it shows I am due {$17000.00} in refunds. 

I've been on the phone with Borrowers defense multiple times over the past year and a half and they keep telling me to check with my servicer and agree my loans should be discharged.

Current loans with AIDVANTAGE are below totaling {$52000.00} Consolidation Loan LOAN DATE XX/XX/XXXX TOTAL BALANCE {$36000.00} Consolidation Loan LOAN DATE XX/XX/XXXX TOTAL BALANCE {$9100.00} Consolidation Loan LOAN DATE XX/XX/XXXX TOTAL BALANCE {$2000.00} Consolidation Loan LOAN DATE XX/XX/XXXX TOTAL BALANCE {$4800.00}
Consumer complaint received 2024-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (CA)

My personal information was sold to a third party lender in which I didn't give permission to have my loan services by this company, I was only told this id now my loan servicing company. This Agency has violated and tried to market to me which is a breach of the Gramm-Leach Act GRAMM-LEACH-BLILEY ACT NOTICE In XXXX, Congress enacted the Gramm-Leach-Bliley Act ( Public Law 106-102 ). This Act requires that lenders provide certain information to their customers regarding the collection and use of nonpublic personal information. 
We disclose nonpublic personal information to third parties only as necessary to process and service your loan and as permitted by the Privacy Act of XXXX. See the Privacy Act Notice below. We do not sell or otherwise make available any information about you to any third parties for marketing purposes. 
We protect the security and confidentiality of nonpublic personal information by implementing the following policies and practices. All physical access to the sites where nonpublic personal information is maintained is controlled and monitored by security personnel. Our computer systems offer a high degree of resistance to tampering and circumvention. These systems limit data access to our staff and contract staff on a need-to-know basis, and control individual users ability to access and alter records within the systems. All users of these systems are given a unique user ID with personal identifiers. All interactions by individual users with the systems are recorded.
Consumer complaint received 2024-10-08
Product: Credit 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: DISCOVER BANK (TN)

Starting from XX/XX/XXXXXXXX XXXX  I noticed that XXXX and XXXX have been charging me monthly membership fees, despite never having subscribed to their services. These charges continued until XX/XX/XXXX, when I discovered the issue and immediately reported it to Discover, requesting a dispute for the unauthorized transactions. Unfortunately, Discover sided with the merchants and did not reverse the charges. 

Details : Dates of Charges : From XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( monthly ). 
Amount Charged : ( List specific amounts if available ).

Actions Taken : I contacted Discover to dispute the unauthorized transactions, explaining that I never subscribed to these services. 
Despite providing evidence and clarifying that I had no knowledge or consent regarding these charges, Discover supported the merchants and denied my dispute. 
I am seeking a resolution, including a refund for all unauthorized charges from discover companies, as I never subscribed to or authorized these payments.
Consumer complaint received 2024-10-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (MI)

On XX/XX/year> Discover Bank placed not only a lein on my home but they also placed a judgment against me. As of XX/XX/year>, I received a Certificate of Satisfied Judgment from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

However, I am still being garnished {$930.00} per paystub. The garnishments should'vde been discountiued. 

I've Included Proof of Garnishment from Discover Bank : {$870.00} on XX/XX/year> ( Garnished Wages ) {$870.00} on XX/XX/year> ( Garnished Wages ) {$3600.00} on XX/XX/year> ( Addtional Payment Via ACH ) {$870.00} on XX/XX/year> ( Garnished Wages ) {$930.00} on XX/XX/year> ( Garnished Wages ) I called and spoke with Discover Bank 's Customer Service Representatives and I stated that they are still garnishing me illegally AFTER the Certificate of Satisfied Judgment was filed via XXXX XXXX XXXX  XXXX. 

Discover Bank is still illegally withdrawling money by garnishing my wages without a court order or my permission, as our court appointment agreement has been fully satisfied. They are violating my consumer rights and it's causing detrimental stress to me. 

I need this problem solved immediately.
Consumer complaint received 2018-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (GA)

-Applied for and received credit for XXXX services from Care Credit -Paid minimum amount ( which is not enough to be interest free, ie they do not divide your payment into 18 for 18 months interest free ) -Charged 26.99 % deferred interest on full balance at end of 18 months. 
-Puts me over limit, however, when I called the company they said that that would be all the interest that would be charged on that amount. 
-WRONG! Charged interest EACH MONTH 26.99 % on the BALANCE ( including interest already added to my balance ) -NOT EXPRESSLY INFORMED of DOUBLE INTEREST CHARGES. 

-Is this legal? 
-Called company and asked them why and they said it is how they handle all their accounts. 

-I should not be charged interest on interest. 
-moving forward, cards like this should divide payments so the consumer knows how much to pay to meet the " interest-free '' requirements. 
-because they offer " multiple '' promotions, the " minimum payment '' should reflect ALL promotional interest free requirements.
Consumer complaint received 2024-10-11
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NY)

I went into an Ashley Furniture Store and purchased a bedroom set and mattress. Signed up for the Store Card who is provided by Synchrony Bank. The representative told me I would done 6 months if I paid XXXX  amount. All was written in paper and she said I had 5 years to pay off the bigger balance. I walked out thinking I would be billed for the amount needed to finish paying off the bedroom set in 6 months. Not quite for the next few months I was paying the min which was not enough to pay off the balance in 6 months. Here comes XXXX and was hit with accrued interest since XXXX and I am on the same boat I was in XXXX. NEVER DID SHE TELL ME I NEEDED TO MANUALLY CALCULATE THE EXTRA that would be needed to ensure I was done with it in 6 months. Its truly a lack of training on their part and an awful experience for me. i hate the brand I hate synchrony and I feel I was tricked into this. I was truly not made clear at all.
Consumer complaint received 2018-07-31
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: AMERICAN EXPRESS COMPANY (CA)

I am showing that my credit score dropped by 72 points. 
I have no late payments and continue to pay the account payments due. 
I would like my score to be restored as I am in the middle of seeking better employment opportunities and also qualification of a new home. This came out of nowhere please provide assistance. 

Also American Express closed my account without any reason while I was on credit protection I am trying to have that account reinstated, and they forced me to run my credit to apply for a new account when the original account from XXXX should have never been closed as I made all payments on time and elected to use the American Express Credit Protection Benefit while I was XXXX. 

Why was my account closed. I need to have that account reinstated as that is one of the oldest accounts and would also help my credit report show my credit history. 

XXXX account was also closed and I did not not close that account that account was opened in XXXX and like the American Express account had a XXXX balance with no late payments. Can you please assist me with resolving these issues. 

Kindly, XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (LA)

On XX/XX/year>, my vehicle became a total loss, and I submitted a claim through my GAP provider, XXXX ( also known as XXXX  ), as per the terms of my financing agreement with Honda Financial. Unfortunately, XXXX failed to meet the required payment obligations. They claimed my insurance company had undervalued my vehicle, which left an outstanding balance of {$5900.00} that was charged off on my credit report.

I attempted to resolve the issue by appealing XXXX XXXX decision multiple times via email on the following dates : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. Despite my efforts, I was unable to get this resolved, and the claim remained unsettled.

In addition to this, I was charged {$1200.00} for GAP coverage under my contract with Honda Financial, which I find excessive considering XXXX failure to resolve the issue in a timely manner. 

On XX/XX/year>, I contacted XXXX XXXX ( my dealer ) to escalate the issue, as it was severely impacting my credit and personal life. On XX/XX/year>, XXXX, the manager at XXXX XXXX, informed me that GAP would cover more of the loan. However, it took eight months for XXXX to finally pay an additional {$3700.00}. By that time, the damage to my credit and financial situation had already occurred.

I request that this account be removed from my credit report, as the outstanding balance was due to the failure of my GAP provider, and I made every effort to resolve the situation.
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: WELLS FARGO & COMPANY (WA)

A credit card was opened under my name for WellsFargo in XX/XX/year>. I received the credit card and got a phone call from Wells Fargo to inform them of the identity theft. The card was cancelled. I am wanting more protection to prevent identity theft issues. Thank you.
Consumer complaint received 2021-04-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 The credit reporting agencies were given 30 days to produce all verifiable documents of this account on XX/XX/2021 in accordance with the statue 609 FCRA. That was 107 days ago.

And now they are wanting another 60 days??

I believe my rights are being violated in accordance to the 611 and 623 FCRA.

At this point, without verifiable evidence, the am ex account must be removed from my report immediately! It is affecting my ability to get a mortgage.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (CA)

Upon checking my credit report I see this random account named KikOff Lending reporting an account with {$20.00} on my credit report. This seems odd since I don't open any credit accounts with a credit limit that I can use under {$2000.00}, further research on this company, the credit they give cant be used. After more research I realized I never opened this account, I have no agreements with this company nor did I sign any contracts with this company. I have requested original contracts with my wet signature and they have failed to respond or send me this. I kindly demand that this account be removed from my credit report, Immediately. I did not open this account.
Consumer complaint received 2024-10-07
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

On XX/XX/year> I received an Email stating that there was an attempted charge to my card for {$930.00} and that the email was being sent out due to suspected Fraudulent charges. On the same day, A second charge had gone through to my account for the amount of {$320.00}. Ref # XXXX and Transaction ID # XXXX. 

According to the charges ; this was made in XXXX TX. I, however, was physically in XXXXXXXX XXXX  at this time and would have been physically unable to purchase anything at any location in XXXX. No one else is authorized to use my card. 

I have tried disputing this charge twice, once in XXXX then again in XXXX. I did not authorize this charge.
Consumer complaint received 2021-04-29
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: HSBC NORTH AMERICA HOLDINGS INC. (CA)

HSBC BANK issued this card WITHOUT MY AUTHORIZATION. Now reporting this derogatory credit card on my credit report. My numerous attempts to get ahold of HSBC went ignored they do NOT list their phone number on the credit report and their address is NOT deliverable. SEE THE LETTER THAT WAS RETURNED TO ME MY USPS. I'M REQUESTING ALL CREDIT BUREAUS TO DELETE THIS ERRONEOUS ACCOUNT FROM MY CREDIT REPORT BUT THEY ARE TELLING ME THAT XXXX HAS TO VALIDATE THIS ACCOUNT .... HOW ARE THEY GETTING HOLD OF THEM WHEN I'M NOT ABLE TO? ....
Consumer complaint received 2024-10-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Moss Law Firm, P.C. (TX)

The creditor, Moss Law Firm, P.C. served me fake lawsuit paperwork.

Moss Law Firm, P.C.
XXXX XXXX XXXX XXXX XXXX XXXX
email: XXXX XXXX
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I sent 3 letters to the 3 Credit Bureaus.

One to each Bureau.

XXXX  received the letter and has not removed names that are incorrect on my credit report. 

Equifax received letter and notified it would take longer than 30 days to review incorrect personal information on my credit report. 

XXXX  received letter and has not notified me of them regarding receiving letter to remove incorrect personal information. Letter sent as certified mail. 

All letters were sent as certified mail.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (DE)

Date of alert XX/XX/XXXX Alert type Potentially negative Creditor type XXXX  Payment status XXXX  Date of alert XX/XX/XXXX Last update date XX/XX/XXXX Date opened XX/XX/XXXX Alert type Potentially negative Account balance {$17000.00} Payment status XXXX XXXX XXXX ( Repossession ) Date of alert XX/XX/XXXX Last update date XX/XX/XXXX Date opened XX/XX/XXXX Alert type Potentially negative Account balance {$23000.00} Payment status XXXX XXXX XXXX ( Repossession ) Creditor type Last update date XX/XX/XXXX Date of XXXX XX/XX/XXXX Date opened XX/XX/XXXX Alert type Potentially negative Creditor type XXXX  Payment status XXXX XXXX XXXX ( XXXX XXXX XXXX ) Amount {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX The FCRA mandates that information on credit reports must not be misleading or create an inaccurate representation of the consumer 's credit history. Reporting multiple charge-offs for the same account could potentially be considered a violation of this rule if it makes the account appear worse than it is. If a creditor is reporting the same charge-off repeatedly, it may be considered inaccurate or misleading. In such a case, you can dispute this with the credit bureau ( s ) under your rights provided by the FCRA.