davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Liberal Finance Service (NJ)

I went to a dealership asking to buy a car, and he put me with this company : Liberal finance. 1st he asked me if I can put down XXXX $ for the car which is a XXXX XXXX XXXX XXXX miles. Since I get the car I spend XXXX $ as tickets, XXXX $ as impound XXXX $ paid to the finance company. In this situation I requested a refund, sell the car or give back the car and they said no! I still owed XXXX . The 1st day I drove the car from the dealership I spend XXXX . If I do the math from XX/XX/2018 to now I already spend XXXX $ and I dont have no title of the car and still owed XXXX $ Reported in credit report.
Consumer complaint received 2019-03-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC (LA)

I sent a letter to XXXX  in XXXX, with signature confirmation that was received on XX/XX/XXXX about a car they repossessed in XX/XX/XXXX. I was requesting paperwork under Louisiana 's ( R. S. 10 : 9-613, et seq. ) I also  requested a copy of the loan contract because my car loan was written up as a retail installment contact but it shows up as an auto loan. XXXX did not respond to my letter. To this date i have ONLY received the RIGHT TO CURE paperwork the same day as the repo. I was not notified of an auction nor was i notified when the car was sold and how much it was sold for. I have asked the 3 credit bureaus to delete this account because it is inaccurately reporting and invalid because XXXX has yet to furnish me with the documents i've requested. I have disputed this account SEVERAL times so pointing out the INACCURACIES now that the credit bureaus are stating is inaccurate should not mean they can update the account!!!
Consumer complaint received 2022-01-14
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: National Credit Systems,Inc. (GA)

Hi, I XXXX XXXX XXXX XXXX, am a consumer with protected consumer rights. After careful review of my consumer report and in comparison with the Federal Consumer Laws it is apparent that your company is violating my consumer rights. 

If you look at the law 15 USC 1681a 2 ( A ) ( i ) it clearly states my consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. Furthermore, those transactions and experiences are excluded. 

Your reporting of experiences and/or transactions on my consumer report is a direct violation according to congress.
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NC)

I opened a CareCredit account during my time as XXXX XXXX XXXX for an elective XXXX and for as long as I can remember I have never paid a payment over {$250.00} ( I think {$190.00} has been the highest payment that Ive paid unless I chose to pay more ). When I went to make my XXXX payment of around {$180.00} I noticed that my XXXX payment had shot up to {$440.00} with my XXXX payment being almost {$500.00}. Well XXXX XXXX I was covered under XXXX but since I have been XXXX and I am now a 100 % XXXX veteran, care credit has refused to help me or explain why my payments have almost tripled. Even without the protection of XXXX my payments should not be that much. I called several times on or around XXXX XX/XX/2022 and no representative would help me. They ( only using they because both representatives refused to give me their names ) told me there were no payment options other than closing my account and that I was just be forced to pay this money even though I live off of a fixed income. They would not explain to me how my payments almost tripled even with the backtracked interest from some of the promotional periods that had expired nor would they put me in touch with anyone who could help me. 

At one point I had to hang up and call back because the representative was not letting me speak. she kept speaking over me and when I told her I needed her to hold for a minute she just kept going on and on about my account and wouldnt let me get a word in edgewise. I would like the CFPB to look into CareCredit because as far as Im concerned Im not the only one thats experiencing this issue with them. 

I made payments on a regular interest rate before I was told that I qualified for XXXX while it was still XXXX XXXX and my payments were nowhere near what they are now. I am trying to understand how my payments almost tripled even with the added interest from promotional periods, which have expired. It does not make sense and I believe that this company is using deceptive business practices and charging exorbitant fees without explaining to the consumer why these fees are there or just charging them thinking that the consumer will not question them.
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have repeatedly paid my bill by way of mail. The first payment I sent was on XX/XX/XXXX certified mail tracking number XXXX. I did not hear anything back from Bank of America. I then sent a second payment on XX/XX/XXXX certified mail tracking number XXXX which was delivered on XX/XX/XXXX at XXXX pm. It is now XX/XX/XXXX and I have yet to have the payment reflected on my account. I have given ample time and have called Bank of America numerous times about my payments and have yet to receive a response as to why my payment has not been reflected on my account. I want to submit a billing error complaint and get this resolved.
Consumer complaint received 2018-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I opened a savings and checking account year XX/XX/XXXX. The savings is linked to the checking account. Below are the transactions : Savings XXXX Deposit Date Amount Withdrawal Balance XX/XX/XXXX {$50.00} {$50.00} XX/XX/XXXX {$770.00} {$820.00} XX/XX/XXXX {$760.00} {$1500.00} XX/XX/XXXX {$490.00} {$2000.00} XX/XX/XXXX {$1000.00} {$1000.00} Checking XXXX Deposit Date Amount Withdrawal Balance XX/XX/XXXX {$730.00} {$730.00} XX/XX/XXXX {$500.00} {$230.00} XX/XX/XXXX {$230.00} {$0.00} Closed When I opened the accounts on XX/XX/XXXX, I told the manager I do not like a debit card for these accounts. She said that is okay. She told me I could have an ATM card. The ATM card will be for deposit and withdrawal only. She also gave me two ( 2 ) small pieces of papers with routing numbers. In addition, she gave a Deposit Record booklet. 

I received a mail with an ATM card ending XXXX linked to the checking account which state that the card could be used for purchases at retailers, deposit and withdraw at ATMs, and print mini-statements. I was surprised to see the card and the accompanying letter since I told the manager that I do not want a debit card or an ATM card that acts like a debit card. I was very disappointed that my instructions were not honored by the bank. 

I closed the checking account on XX/XX/XXXX.

I withdrew from my savings account on XX/XX/XXXX.  The teller asked for an identification and I showed her my drivers license which I used when I opened the account. The teller asked me to swipe my drivers license card which I did and regretted doing it. I felt she tricked me in using my drivers license like a debit card. I do not like my drivers license to be used this way. It would be enough just to show her my drivers license. 

There are so many tricks out there that could duplicate any cards with magnetic strips. The bank opened my drivers license to this malicious practice. 

What are the routing numbers for? Please note that I had never used any routing numbers. I only went to your bank to deposit and withdraw. 

Issues : 1. You issued me an ATM card that acts like a debit card without my approval. What is your action on this and how will you prevent similar incidents? 
2. You tricked me to swipe my drivers license in your machine. Presenting my drivers license as I did when I opened my account should be sufficient for you. I suppose your personnel are trained to do this. 
3. Regarding the routing numbers, please assure me that there are no other accounts that used my identity. That there are no accounts linked to my accounts 4.  Regarding the Deposit Record booklet, is there a way that the bank could print on it all the deposits, withdrawal and balances? This is a very good security for both the bank and the customer.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MD)

On XX/XX/year>, I mailed out a notarized certified green return receipt dispute letter to LexisNexis. Then on XX/XX/year>, I contacted them by phone. I informed the supervisor that according to 15 USC Code 1681i, they were supposed to complete their investigation and submit to me by US mail within 30 days with a response. I then informed him that as of XX/XX/year>, I have not received anything from LexisNexis. The supervisor stated that they have not mailed out a response as of yet. I then informed him that based on this violation, the law states this account must be deleted. He then stated that he can not delete the account. I also informed him that according to 15 U.S. Code 1681b -Permissible Purpose of Consumer Report, LexisNexis was supposed to provide me with all of the disclosures based on 15 U.S. Code 1681b including written and signed proof showing that gave permissible purpose to list this bankruptcy on my consumer report. He then informed me that they do not need to provide this proof to me. I informed him that again that LexisNexis was in direct violation of 15 U.S. Code 1681b. Therefore, again based on these numerous violations, this account must be immediately deleted. Then I reminded him that I provided them with the letter from the United States Bankruptcy Court that states that they do not verify or report to consumer reporting agencies. The credit report states that LexisNexis verified the bankruptcy. So again, I told him based on that the account should be deleted. Again, the supervisor refused ... ..etc the conversation went on and on for an hour. So, I told the supervisor that he continued to refuse me my rights as a consumer.
Consumer complaint received 2021-09-16
Product: Vehicle loan or lease — Loan
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 (NC)

The loan was paid off on XX/XX/2021. The company was overpaid by by {$31.00} ( refunded ). The company also received another over payment ( GAP Insurance Refund ) in the amount of {$990.00}. I have been told numerous times that this amount was already refunded and mailed. I called multiple times requesting updates, but each time I get the run around and a different answer. The check was mailed to an old address from a previous account that has been inactive for 3+ years. All requests and address verifications were for the XXXX Street address. This also brings up security issues. I believe this was retaliatory behavior. The company was not happy about the previous XXXX complaint it CFPB complaint ( XXXX ). This money is very important to help cover my monthly expenses due to a financial setback due to COVID-19. This company is incredibly reckless and should expedite this refund. As a consumer, I should not have to be penalized for their mistakes.
Consumer complaint received 2018-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (TX)

Firstly, thank you for taking your time to review this and I understand my complaint is just one of hundreds that you guys read on a daily basis.

I was checking my credit report because my little family and I are looking to buy a house for the first time, that's when i noticed i have derogatory mark that shouldn't be on my credit report. 

Derogatory Mark Info : 1 ) The original creditors name - 12 CONNS RETAIL 2 ) Account opened -  XX/XX/XXXX 3 ) Account Status - Open 4 ) Remarks - Placed For Collections 5 ) Amount Owed - {$930.00} Back Story : Back when I was in school, I was irresponsible with my credit because i made a purchase at Conns Furniture Store for my brother. I put a Flat Screen TV and surround sound system on my credit for his living room because he told me he would make the payments. Later on, my parents and I found out that he sold the TV and Surround Sound System to by XXXX. This was hard news for me because my own brother was XXXX to XXXX and hurting the family, so my parents put him into XXXX   in hopes that he would get clean. He has been in and out of XXXX  and is still fighting XXXX. 

I apologize for unloading this XXXX story on to you but this issues has been haunting me in more ways then one. 

Conclusion : 1 ) I made the Conns Purchase back on XX/XX/XXXX 2 ) I have already payed off these debt collections 3 ) I gratefully ask this negative remark to be removed from my Credit Report Thank You, XXXX.
Consumer complaint received 2019-03-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (OK)

While filing my taxes, I did not have my bank account number, so I chose to have my federal tax return loaded onto an American Express Serve card. I forgot to include my apartment number when entering my shipping address during the registration process for American Express Serve. This was on XX/XX/2019. I should have received my card by mail within 7 - 10 days. Around the 7th day I realized I forgot to include my apartment number. I immediately tried calling their customer service number and was greeted with an automated system. I was able to enter the last four digits of my social and in return I was informed by the automated voice that I needed to activate my card and then prompted me to enter the 15-digit card number, which I do not have. I tried updating my address on their website, but since the first card is still considered an " active order '' I was unable to update my address. It shows a message saying they are unable to process my request at this time and to call the customer service number. Without my card, the customer service number is useless to me.The card 's estimated arrival date was XX/XX/2019. Today 's date is XX/XX/2019 and I am still trying to figure out how to get my federal refund of {$6200.00}. I can log into the website and app and see that my money is there, I can also see the last four digits of the account number but am unable to do anything until I activate my card. I even asked my post office how long they keep " undeliverable '' mail and I was told it gets returned to the sender almost immediately. I need to talk to a real person from American Express Serve, not an automated system. I have searched and searched and have found no solution!
Consumer complaint received 2019-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JP RECOVERY SERVICES, INC. (OH)

Since the summer of XXXX. I have been trying to removed a medical billing account from all three credit reporting agencies. My overall credit rating has taken a toll on my credit scores. I'm being charge high interest rates on every big items that I purchase, even a brand new automobile that I purchased almost a month ago. On XXXX XXXX, XXXX, I begin to paid on the medical bill account. J.P. Recovery Services, XXXX. XXXX XXXX, XXXX XXXX, Ohio XXXX. The Account Number is # XXXX. I was paying them by my personnel checking account with the XXXX XXXX. I wrote my last check to pay them off on XX/XX/XXXX. I have many pages of bank statements as proof of final payments. J.P. Recovery refuse to confirm, my payments, so I went to the XXXX of XXXX, Ohio to help me with that issue and they did. J.P. Recovery refuse to let the Credit bureaus know that my account was no longer outstanding. It was paid in full. I contact all three Credit bureaus of this transaction, but it fell on deaf ears. I need help to fix this issue.
Consumer complaint received 2020-01-28
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: 2288984 Ontario Inc. (CA)

On XX/XX/2020 the debt collection company, XXXX XXXX XXXX XXXX, aka XXXX XXXX left detailed information regarding this alleged debt on a relatives ( not my spouse ) phone number. Advising them they could be held liable for this debt and the amount to settle was {$2700.00}. This violates personal information that can not be shared. I called and advised XXXX XXXX of XXXX to cease all phone communication. This is a third party debt collector file number XXXX. All calls are recorded, so there is a record of the call to my mother-in-law on her cell number at XXXX in which they discussed personal information of mine.
Consumer complaint received 2019-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Neon Newco Corporation (FL)

I bought a prepaid visa card netspend at XXXX. On XX/XX/2019 I put XXXX dollars on card to give to my daughter for school trip to wisconsin we were not able to activate card. I had to buy another prepaid card at XXXX XXXX the next day to send with her for her trip. Its now XX/XX/XXXX. We still can not use card. I tried to take it back to XXXX but they said we had to call company. I have made several phone calls to company. Been disconnected multiple times and placed on hold for about an hour each time when I finaly got through I Was told it would take a month to get this authorized.. They are asking for me to send copies of my ss card birth certificate dl. I paid for this card I have receipt to prove I paid for this card and I have purchase prepaid cards in it usally takes a half hour to get card activated I have never ever experienced this before. No where on card does it states will take a month to activate. So basically they stole XXXX dollars from me and i cant get it back. Im not a rich person and I could of used this to pay for my electric bill. I do.not need my money back a month from now and frankly there is no guarantee that if I do everything they ask me to that I will get it back I beleive they stole my money and are using every excuse they can not to give it back to me. I cant afford to wait a month I need to be able to access my money now. That is what I paid for. The. Card im having issue is is netspend visa. Thank you for your help in this matter
Consumer complaint received 2021-04-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION (AZ)

I am in the process of refinancing this loan. The loan will be refinanced with XXXX bank. XXXX bank has been requesting a loan payoff ( through XX/XX/2021 XXXX since XX/XX/XXXX. They have now requested it 3 times. I have requested it, as the borrower, 2 times. There are notes all over my account showing this. This is the LAST remaining stipulation before I can refinance. WSFS dragging their feet is costing me money as their interest rate is higher. They are doing this to deliberately keep the loan on file longer.
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I received a notice of a credit reduction from XXXX XXXX. The bank cited a derogatory public record or collection filed as a reason for reducing the credit limit. As a result, I checked my credit report and found that a derogatory collection was filed by XXXX XXXX XXXX for {$100.00} on XX/XX/XXXX. I have never done any business with XXXX XXXX and believe this a predatory and fraudulent collection attempt. 
Please be advised that this has happened to me before. In XXXX, I filed a complaint with you ( # XXXX XXXX for a similar incident. The complaint resulted in the removal of the record. 
Now I believe this firm is baiting me to collect a larger sum and I am turning to you to correct it and penalized them if the law provides.
Consumer complaint received 2018-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio recovery refuses to acknowledge my letters and disputes. They bought an account from XXXX XXXX that they insist was opened by me. It was not opened by me. They are nothing but vultures preying on innocent people. It almost seems like extortion, they report this negative information, which brings down my credit score, until I agree to pay for something that is not mine. This should be illegal.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continuously reporting on mu Credit Report. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX  XXXX Balance $ XXXX Opened : XX/XX/XXXX XXXX  XXXX Balance $ XXXX Opened : XX/XX/XXXX 2021
Consumer complaint received 2022-11-19
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. (WI)

XX/XX/2022 I sent a letter to the credit agency disputing an account on my credit report that was not mine. I never had any account with XXXX  XXXX XXXX XXXX. I ask for the credit agency to investigate and remove this account from my credit report. I received a letter dated XX/XX/2022 from XXXX  XXXX XXXX XXXX stating that my account was paid in full. I never had an account with this company. The credit agency did not do a throughout investigation The credit agency did not provide the method of verification used to verify this account. The credit agency is also reporting this account was discharged in bankruptcy which is also inaccurate.