davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-08
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (VA)

My name is XXXX XXXX, lease account # XXXX About 3 years ago we decided to lease the XXXX XXXX. 
It was our XXXX time lease experience and we were very excited to get new top of the line vehicle with features by far exceeded top of the line vehicles on the market. During the lease period we NEVER had any issues with the vehicle and my mostly my wife used it for short commute with our small kids. 
After ~ 25 month lease I replaced XXXX tires and brakes, due to moderate wear in order to keep vehicle in the safe shape. 

According to XXXX recommendation vehicle was tested a week before lease return and inspector found XXXX scratches of XXXX '' each and missing 2nd key. Second key was at home and before returning vehicle to XXXX dealer ( XXXX, VA ) I found a detailing service and performed full car detailing. Once I return it to the dealer- dealer told me that car in very good to excellent condition. 

However, once I received your final bill- I was shocked .... 
1 ) You charge me for key that is not missing ( XXXX from lease return group validated it with dealer ) 2 ) Please open the scratch images ( you should have them ) and justify why it should cost me {$450.00} 3 ) Why you charge x10 than it 's in the bill for parking violation - see attached bill 4 ) Why you charge ~ {$150.00} more for property tax 5 ) Why you obligate me to purchase vehicle by charging {$400.00}, is it US consumer rules acceptable????
Consumer complaint received 2022-05-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a dispute into XXXX, Transunion and XXXX disputing the XXXX XXXX XXXX  XXXX They are show several late payments on the account and a repo for this vehicle. This car is paid off and in my possession. They have still yet to send me the title to my car. The credit bureaus are not doing a very good job of keeping consumers credit protected and making sure everything is accurate. They are on the side of the credit provider. Very shameful. 
Account Number : XXXX
Consumer complaint received 2015-05-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BARCLAYS BANK DELAWARE (NC)

Hi, I have unauthorized charges on my card that Barclary did not want to report the charges are fraud but as a dispute. I wanted the charges reported as fraud because I did not do these charges on my card. I have the charges listed below that should be reversed to my account : 1. XXXX/XXXX/15 XXXX XXXX 2. XXXX/XXXX/15 XXXX XXXX XXXX 3. XXXX/XXXX/15 XXXX XXXX 4. XXXX/XXXX/15 XXXX XXXX XXXX 5. XXXX/XXXX/15 XXXX XXXX 6. XXXX/XXXX/15 XXXX XXXX Also I want this remove for my credit for the month of XXXX, XXXX and XXXX for any delinquency reported. I also want the refund of the {$35.00} and the interest charges of {$27.00}. All together this totals {$1700.00} back to my account. I would like this to be done within the next to 30 business days.
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account
Consumer complaint received 2016-06-03
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

We opened a Care Credit account when I had some major dental work done about 18 months ago. We have been making the payments every month - three weeks early. We get the statement online on the XXXX of the month and the payment is made by the XXXX and due on the XXXX. We do not receive paper statements nor have I ever received an actual card. When the online statement comes up on the screen, there are only XXXX options - pay minimum amount or pay amount in full. The minimum payment is filled in for us and there is no option to type another amount. At this point I was fairly certain most had been paid off. On the contrary - I am OVER my credit limit. I found this out today when I inquired about tacking on some extra onto the " card '' because my daughter needs her wisdom teeth taken out. After an hour of going round and round with them with their canned statements and them helping us navigate to a part of the site they said we should have been looking or just found on our own to see a myriad of bogus late charges that make no sense, we discontinued our conversation. So the only option with them is pay the minimum which automatically comes with late fees that increase your balance OR pay in full. They confirmed with us that that is their practice. So I guess the {$220.00} XXXX they had to pay out for Deceptive Marketing and the XXXX XXXX they paid in Care Credit Refunds just 18 months ago when they were " formerly known as GE Capital '' did not teach them a lesson. And the building similar complaints and even complaints now as Synchrony Bank are not deterring them from monster deception.
Consumer complaint received 2022-05-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: EdFinancial Services (GA)

XXXX XXXX XX/XX/2018 Loans were taken out with XXXX to pay for XXXX University tuition and help with book cost. 
Acumulated over 100,000 in student loan debt. 
XXXX University is no longer a institution can even get help to talk to former representatives who work there. 
XXXX know as XXXX is transferring debt to Edfinancial. 
I put in two borrow defense application. One denied other going on a year in review. 
XXXX University and XXXX the parent company formerly known as XXXX has not tried to help discharge or forgive former XXXX University students with the lending company. 
XXXX University was misleading and fraudulent and has put XXXX in debt The degrees obtained from XXXX University are useless to many companies and in this day in age the credits are not transferrable. 
BIDEN ADMINISTRATION needs to add XXXX University to the list of schools for forgiveness.
Consumer complaint received 2016-09-27
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (CA)

In early XXXX of 2016, I purchased a XXXX, from Walmart. com. On Tuesday, XXXX XXXX, 2016, I picked up the product for Walmart neighborhood store number XXXX. When I opened the box, the Push Up Pump was severely damaged, with missing parts, I was unable to assemble the XXXX. I returned the XXXX to the store on the same day. It was signed for by the Customer Service Manager by the name of XXXX. It was authorized by representative XXXX at Walmart. com, XXXX Walmart phone number. Also, I have a receipt from the store stating it was returned. To this date, Walmart has refused to credit my credit card for the amount of {$82.00}, and stated the product was not returned. This is an unfair and criminal act by Walmart. I did returned the XXXX to the store.
Consumer complaint received 2022-01-11
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: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-11
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: Resurgent Capital Services L.P. (PA)

I sent lvnv funding A cease and desist on XX/XX/2021. Pursuant to the FDCPA theyre willfully violating my federally protected rights. A cease and desist is to cease all forms of communication. And communication pursuant to the FDCPA means to convey information regarding a debt directly or indirectly through any medium. LVNV funding is harming my reputation to lenders by not abiding by my rights. This is causing me great harm when it comes to me providing for my family by constantly being denied due to LVNV funding not ceasing communication through all mediums
Consumer complaint received 2024-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC (RI)

XXXX a settlement offer in XX/XX/year>, company didnt process the offer in their system and kept charging me late fees etc. have been paying toward a balance that should have been closed due to accepting settlement offer. Last payment was {$300.00}. XXXX sent me a check for {$170.00} but cancelled the check after it was already deposited to my account
Consumer complaint received 2023-04-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (TN)

This is my second complaint with this company. The first complaint was done on XX/XX/XXXX and it was closed on XX/XX/XXXX stating that the TitleMax responded but they never did. I hit a financial hardship and I cant pay them anymore. In XXXX I was making $ XXXX $ XXXX  monthly payments for a {$2100.00} line of credit. As of XX/XX/XXXX I am no longer able to pay on the loan. I paid {$3100.00} on the loan so far and I still owe {$2800.00}. I was not aware that they were charging me over 180 % in interest, I never signed anything that showed the interest amount. This is my first time ever doing a line of credit with TitleMax, I usually would get a title loan that needs to be repaid within 30 days. The person at the office insisted I get the line of credit because Ill be saving more in fees. That was a lie I have been struggling to pay them and to keep my only barely working vehicle. In XXXX right before XXXX I had major car problems and the state of TN sent me a letter because I dont have car insurance and requesting I get it within 30 days. I was paying TitleMax so much money that I couldnt maintain car insurance or maintenance. I am a single mother and I home school my XXXX children. I am on section 8 and my title loan payments are more then my rent. I cant get my tags reinstated or get insurance on the vehicle because TitleMax said if I cant make a payment then I need to drop it off at their office and take a XXXX back home. I reached out to the General Manager and the Office Manager about working out a payment plan to stop the interest from getting so high. They said they spoke to the District Manager and he or she said there is nothing they can do for me and I need to pay the past due and start making monthly payments. I tried coming up with the money but I couldnt. I had to reschedule my son and Daughter Doctors appointments 3 times because of this and not being able to have up to date tags and insurance. This is frustrating and hard. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and TitleMax is making it hard for me to even do that. I need my vehicle I also need them to do something about this. I paid the loan off!! How am I still owing the same amount? I need my title and I will never go to them again. I will be sure to share my experience on their reviews everywhere! This was a trap. I even called them in XXXX to come get the vehicle thats when the manager told me to drop it off at their office. Here we are almost 2 months later and the interest and amount is steadily rising. They are scamming hard working families and dont have no remorse. My hours has decreased and Im barely making {$1200.00} a month. I can barely feed my family because I was paying TitleMax. They do not care. I still need to take my children for their Doctors appointment. This is insane that they can charge that much interest and for it to be legal.
Consumer complaint received 2024-10-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (SC)

I received a packet from someone one day that stated Midland Credit was attempting to sue me in regards to a past due credit card of an inaccurate balance of {$1900.00}. I followed the guided prompt and mailed it back to the address provided and did not hear anything since then. I received a letter in the mail on XX/XX/year> in regards to a legal case that was dated for XX/XX/year> in which I am assuming that I missed any options for a court date to dispute this matter.

There has been no communication other than the documents attached. At no point was I provided documentation to settle out the debt or to set up a payment plan.

***Not all documents could be attached because they were to big of files.
Consumer complaint received 2022-05-24
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)

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

XXXX XXXX XXXX, XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified.

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX, XXXX
Consumer complaint received 2015-09-23
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP (NV)

US bank is reflecting on my credit report that I was 30 days late in the month of XX/XX/2015, when I actually paid off the account on XXXX/XXXX/2015 before the payment was even due. I need this account to be updated on my credit report as being never late and the 30 day late removed as it is stopping me from purchasing a home.
Consumer complaint received 2023-04-06
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: Experian Information Solutions Inc. (SC)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 Balance : {$50.00} XXXX XXXX Balance : {$170.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (NV)

I got a job offer on XXXX for a administrative XXXX at XXXX XXXX XXXX XXXX XXXX The original email was from XXXX XXXX & lt ; XXXXXXXXXXXX & gt ;. Telling me to have an online interview with XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX the company Hiring Manager for tomorrow Tuesday XXXX your time via Via XXXX. Meeting with him I was told information about the company and asked a bunch of interview questions. At the end of the interview I was hired and asked to sign a Cover letter and send in my ID via email or fax by XXXX XXXX XXXX XXXX the HR Manger. 
Email : XXXXXXXXXXXX Fax : XXXX XXXX XXXX XXXX I was to meet with XXXX at XXXX. When I did he told me that I would need office supplies and would be sending me a check for {$3100.00} dollars. After the check had arrived I was to deposit it into my bank account ( US bank XXXX the account is frozen now ) and wait for the funds to be in my bank account. The next day he wanted me to withdrawal the money and deposit it into a vendor account XXXX XXXX XXXX XXXX ). He then told me that the money would not be enough to cover the amount for the office supplies and he was sending another check for {$4900.00}. By the time this check came, the other check had bounced ( which I did not know that was what happened my bank said " Returned Item From A Previous Deposit ''. I thought somehow they had pulled the money from my account not that the check was bad ) and he said that there was something wrong with the first check and he was sending a check to reimburse me. I subtracted the amount of the first check from the second check and only moved {$1800.00} dollars into XXXX XXXX assistants account XXXX XXXX XXXX XXXX ) because for some reason XXXX was having trouble with that account. The reimbursement check came and I deposited that XXXX and the next day withdraw the {$4800.00} dollars and deposited it into a new account ( XXXX XXXX XXXX XXXX ). He was going to send XXXX more check for a scanner for {$9700.00}. I when to the bank and deposited this check but when I got home I saw that the XXXX check had bounced as well. I when to my bank and had my bank account frozen. Now I have reported this to the XXXX Police Department ( report number XXXX ) and give them copies of all the documentation I have of this crime. In all the scam took me for {$9700.00} dollars about not counting fees. 
My bank should have been able to spot a fake check and refuse to let me deposit it into my bank. That failing my bank should never have allowed me to withdrawal money before the check had cleared the bank. Also the bank should not have allowed me to withdraw enough money to make my account negative, without so much as a warning. In the end my bank did nothing until I came into the bank and had them freeze my account.
Consumer complaint received 2022-05-24
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. (FL)

Dear Credit Bureau Transunion I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX. Account number, XXXX. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX, XXXX
Consumer complaint received 2016-03-12
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (CA)

I have a XXXX Bank XXXX XXXX credit card. I received a direct mail flyer over a year ago inviting me to apply for a XXXX Bank XXXX American Express credit card with a {$49.00} annual fee. In the flyer, it said that I would receive a {$49.00} " relationship bonus '' to offset the annual fee if I had any other qualifying XXXX Bank products, including another XXXX Bank credit card. So I signed up. After I was charged the annual fee XXXX, I called to inquire about the relationship bonus and was told that other XXXX Bank credit cards were not eligible for this bonus - only checking accounts and other products. In XXXX, I received the same flyer inviting me to apply for the XXXX Bank XXXX American Express card ( their system must not have excluded me ) and it clearly states that a qualifying XXXX Bank product for the {$49.00} relationship bonus may include a " XXXX Bank-issued credit card. '' I called again today and was told that the card member agreement says that other XXXX Bank credit cards are not eligible for the bonus. This is a problem - their card member agreement does not match their marketing. I would not have signed up for this card if I thought I would be charged an annual fee.
Consumer complaint received 2016-12-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BONDED ADJUSTMENT COMPANY (WA)

I was contacted by phone by Bonded Adjustment Company of XXXX, WA regarding an emergency room bill from 2013 last summer. I had never heard of or received a bill, but I took down the account & company info, told them to talk to my insurance company, and asked them not to contact me. 

I then noticed the info on my credit report, so I sent a request for verification. Luckily I had the account # from the phone call, as that is not on my credit report, so issue 1 is failure to document account info. 

They gave me one address over the phone, had a different address on their website, & a 3rd address on my credit report. I sent a certified letter via return receipt to the online address, which was incorrect, as was the one on my credit report. 

Issue 2 ) do not list correct address Issue 3 ) did not sign return receipt They did respond to my letter within 5 days, but responded to my request to verify the debt from 2013, which they 'd already told me about over a cell phone, while I was in a public space, that they needed ME to verify MY information for the debt they wanted me to pay them and remove from my credit report. 

So a third-party company with no fixed address wants me to pay them a secret amount ( {$1100.00} for an {$840.00} bill ) to remove a negative account from my credit report. They refuse to verify that I owe this amount, despite the fact that they are more than willing to do so over the phone, unless I hand over more information to them.