davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (TX)

Several years ago, my wife - who is XXXX and XXXX and can not work - saw an ad on t.v. for Titlemax. Since she did not have credit she thought this would be a neat way to borrow a little money. She did not understand the interest rate was monthly rather than annually and ended up paying interest fees that exceeded the amount of the loan. She was not and is not now XXXX XXXX of making contractual decisions on her own. 

I agreed not to prosecute Titlemax at that time with the understanding that she would be placed on a " do not lend '' list to prevent recurrences of this issue. 

I've recently learned that she borrowed money against her car again - {$5000.00} without Titlemax doing any diligence to see if she could repay the loan. She has already paid thousands of dollars on this loan that she does not understand and that they promised they would not give her. 

Regardless of the fact that she is my wife, it is incumbent upon lenders like Titlemax to ensure borrowers have the ability to repay and she does not. They continue to behave in a highly reprehensible and reckless way with elderly and XXXX individuals with little or no income.
Consumer complaint received 2020-09-17
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. (NY)

I located some negative accounts that happens to be incorrectly reported. On XX/XX/2020 I contacted Experian, XXXX, and XXXX to have these accounts investigated, and therefore updated accordingly. It been close to 60 days, and I have yet to receive anything in the mail, or even a respond back from the bureaus. It is my understanding that, at this particular moment, and due to COVID19 XXXX, Experian, and XXXX are under relax enforcements standards according the Consumer Financial Protection Bureau. However, the bureaus are still required to investigate, and process my direct dispute request according to section 611 of the FCRA within 30 days. 
Failure to do so could result in a lawsuit in federal court. 
I reserve the right to sue you in according to section 616 of the FCRA Willful non-compliance. 

Acct : XXXX XXXX Acct : XXXX XXXX Acct # : XXXX Acct # : XXXX Acct # : XXXX. Acct : XXXX Acct : XXXX  Acct # : XXXX Acct # : XXXX Acct : XXXX XXXX XXXX Acct : XXXX Acct # : XXXX Acct # : XXXX XXXX XXXX Acct : XXXX
Consumer complaint received 2020-09-17
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. (GA)

THE INFORMATION LISTED SEVERAL ACCOUNTS WERE OPEN FRAUDULENTLY SUCH AS LOANS, CREDIT CARDS, CELL PHONE ACCOUNTS SOMEONE USED MY IDENTITY USING MY SOCIAL SECURITY NUMBER AND ID TO OPEN THESE ACCOUNTS THAT DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Choice Recovery, Inc. (OH)

This information reporting on my reports and to third party creditors I dont know the addresses or information listed on the report it is not mine. And my name is even inaccurate.I couldn't obtain XXXX or XXXX  they wouldn't give me my free report they report to outside agencies. I am disputing this information. Its preventing me from getting proper housing. 
XXXX, XXXX, OH XXXX, XXXX, TXXXXX-XXXX, XXXX, NCXXXX- XXXX, XXXXXXXX , TXXXXXXXXX-XXXX, XXXX  , TXXXXX-XXXX, XXXX , TXXXXXXXXX-XXXX, XXXX , FLXXXX-XXXX, XXXX , FLXXXX-XXXX, XXXX , NCXXXX XXXX, XXXX , OHXXXX XXXX, XXXX , NC XXXX, XXXX , XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Never done business with these companies XXXX # XXXX CHOICE RECOVERYINC # XXXX ,XXXX listed twice with misspelled name
Consumer complaint received 2020-03-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I responded to an add for a puppy. The company used to deliver the puppy kept asking for all kinds of fees. I paid them then was told my puppy had died at the hands of an experienced vet technician. I was told that my money would be refunded and that the amount the puppy was worth would be refunded 5x the value. I paid for insurance 3x delivery charges 3x and customs charges 3x and never saw a sent every time I was supposed to get the money they kept asking for more.
Consumer complaint received 2020-09-17
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)

To Whom it may Concern My Name is XXXX XXXX it Appears, that there some issues going on with my credit. I check my Credit and i notice theirs an XXXX XXXX on my credit. this Account Does not Belong to me, which is reporting that its an open Account on my credit. I called XXXX XXXX and i spoke to an Representative and they told me that I'm not on that Account they Also told me that I would need to contact the credit bureau to assist me with having this Account Removed From my credit Please Remove this account off my Credit Account due to fact this Account does not belong to me thank you
Consumer complaint received 2020-03-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (NM)

Midland Funding claims they own the debt but repeated requests to provide proof they own it have resulted in no response. This company has also re-aged the debt on my credit reports of all three bureaus.
Consumer complaint received 2020-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WA)

On XX/XX/2020, I added a new payment account ( XXXX Saving Account ) to my Citi Credit Card account and attempted to make a payment using this method. Citi processed this payment request on another saved payment account ( XXXX XXXX  Checking Account ). On XX/XX/2020 I noticed what had occured and called both Citi Credit Card & XXXX XXXX. XXXX XXXX  understood the situation and provided guidance on moving forward. When I spoke with Citi phone support they were unable to determine or confirm if this was a technical or user error. I explained that this was a new account link and I double checked the confirmation screens to insure the correct account was selected for this payment from a new source. 

I asked for direction moving forward, and was told at this point there is nothing that can be done, just to wait the transaction will fail and once it does I can try to process the transaction again. 

On XX/XX/2020, Citi attempted to process the transaction again. ( which also failed ) I contacted support again to ask why, and was told that the transaction will automatically process 3 times and that I should contact them in the future to see if the fee can be wavied. I asked them not to attempt to process the payment any further and was told the agent didn't have the ability to complete that request and that the automation system would attempt to process the payment 3 times.
Consumer complaint received 2020-03-02
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. (GA)

XXXX XXXX XX/XX/2018 Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX This account is not mine Delete it immediately Account : XXXX   XXXX This account is not mine Delete it immediately Account : XXXX XXXX  XXXX This account is not mine Delete it immediately Inquiries : XXXX  Mortgage I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX  I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately
Consumer complaint received 2020-03-02
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. (GA)

There are two fraudulent accounts from XXXX XXXX XXXX  XXXX # XXXX in the amount of {$1100.00} & {$1100.00} that were disputed and removed from my credit report. They are now back on my credit report after my dispute was resolved and debts were removed. Per the representative at Experian they stated that XXXX XXXX XXXX  XXXX unblocked the debt and Experian has no way of re-blocking the debt back. Which is odd because Experian have the ability to unblock and block accounts.
Consumer complaint received 2020-03-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: BMW Financial Services NA, LLC (MA)

I returned a leased car 10 months XX/XX/XXXX or XX/XX/XXXX to BMW Financial Services. Now they are billing me for XXXX Massachusetts excise tax. Despite knowing the lease was long over, they automatically paid the tax and claim it's my responsibility to fix it. 

On the Mass. RMV site it clearly states the party named on the registration has to cancel the plates. I was able to verify on the RMV website that the plates were not active. 

BMW Financial Services should be punished.
Consumer complaint received 2020-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

I.C. systems claims i owe them for a cable bill i never had, i asked them to send me documents showing that i owe this so called bill with my signatue on paper work or a voice recording proving i signed up for this service, and they have refused to provide any proof of this bill being mind. 
As i have told them numerous times on the phone i'm a current XXXX  customer with active service so its not possible to owe them when i'm a current subscriber.
Consumer complaint received 2020-03-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Neon Newco Corporation (TN)

In XX/XX/2019 I found charges from XXXX XXXX on my transaction history and immediately disputed the 4 different charges as they someone elses and i didnt even have XXXX as a current or past wireless carrier. I bank with Netspend and after i informed them of the unauthorized charges through the secure messaging system as well as a hand written notice signed by myself as well and then submitted all statements as well as evidence in my posession not only fully explaining th situation but as well as the persons information that i found to be responsible for.All forms were submitted in accordance with the contract and i did apply for provisional funds within the ten days as well as made a formal report with the FTC for identity theft and submitted that as well. 
I called XXXX XXXX customer service and explained that my debit card that was not lost or stolen had been placed on auto-pay to someones account and that numerous charges had been deducted. The customer service agent asked if i had a XXXX account or possibly had access to the account that was responsible for the charges. I not only didnt have an account but did not know any information to access the account and did not attempt to either. I told the agent my debit card information was somehow obtained by an ex and i asked to have it removed and explained that there was never consent or implied consent that would allow her to use my funds and she was not even an authorized user on my checking account. 
Because i could not provide account information he then said he would not be able to remove the card only the account holder. My ex afyer i called and told her she is not authorized to use my card or my funds and to remove the card from the account immeaditly. 
I requested all funds be returned to my account in full to my ex, XXXX XXXX, and Netspend. Come to find out my ex used information about me to access my account and she put in a request to cancel the claims and even admitted it to me in text messages that i even provided to Netspend who still cancelled the claims anyways. 
I was told at a later date that XXXX XXXX was sending all unauthorized payments back to Netspend by my ex who called and told me that she would do everything she could to get back at me. 
I asked Netspend for updates 5 different times and spent hours on the phone for them to tell me that they did not recieve the payments back and didnt know where the money was even at. 
To this day i have not recieved any of the money that was stolen from my account and they will not tell me anything about their investigation or any correspondence that went on between them and XXXX. 
I have now filed another claim with the FTC about Netspend and have heard absolutly nothing from Netspend even though i have confirmed that XXXX did in fact send all payments back to Netspend, charged her account the amount the deducted from it, as well as released funds back to the bank.
Consumer complaint received 2020-03-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Prosper Marketplace, Inc. (IL)

I have a XXXX line of credit created to consolidation loans. Loan closed XX/XX/XXXX ; recision period ended on XX/XX/XXXX and pay off checks were issued XX/XX/XXXX by the bank overnight mail. XX/XX/XXXX all banks processed the check as expected, except Prosper Funding LLC. 

XX/XX/XXXX I called Prosper Funding to check on the status of these two loans I have ( 1 ) {$8900.00} at 09.29 % interest and ( 2 ) {$12000.00} for 16.84 % interest. I called ( XXXX ) XXXX line and asked about the payoff status. They could not tell me checks were received. They did tell me that if the checks were received, they will process the checks within 10-days. They process checks through XXXX since they are not a bank. They also told me they will charge me interest each day until the check is processed. 

I was shocked to hear that interest is charged to me until they decide to process the checks and not based on the day the check is received. I have worked for mortgage business for 23 years and started int he payoff department in XXXX. This is not normal banking practices.
Consumer complaint received 2020-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (NY)

on XX/XX/2020 i called my freedom chase credit .regarding why i was late for the payment of the month of. XXXX .i told them i was out of the country that i was going to pay my credit card. and i did on XX/XX/XXXX after i paid XXXX next day they decrease my credit limit from XXXX to XXXX! i think is not fair i always paid my card. i called many time to fix this problem and restore my credit line, but they are using that i have collection with XXXX for XXXX dollars.when i applied for this credit card that was there already, and i don't have delinquent account with chase .i think this no fair or even legal to that to a person .my concerning is my credit score will get affected. i want to restore my credit line after i paid that big amount. when i call before customer service told me not to worry about it that i just have to made a payment of XXXX on XX/XX/XXXX. but i paid XXXX cause i really want it to have my credit line up to date .am really confuse i think this is not rigth. thats why am making this complaint.
Consumer complaint received 2020-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (FL)

I received the Citicards secured Visa card in XX/XX/2018, several years before I was blessed to have a healthy baby girl. Later when I experienced the birth of my daughter and while going to school for a better career to support my family, I became disorganized with respect to making timely payments with Citicards. I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with Citicards since that time. I have only one late payment dating back to XX/XX/2018 that I am asking to be removed from my credit reports because of situations announced above.
Consumer complaint received 2020-03-02
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 — Problem with personal statement of dispute
Company: Associated Credit Services, Inc. (MA)

This collection company made a mistake two times. 
The first time after they had put an account into collections without any notification they were kind enough to fix it when i made payment due to their mistake. 
This past XXXX they put another account into collections. They never called me or sent me any letters notifying me of the debt ( they confirmed this on a recorded call ) I paid the debt as it was legitimate and asked that they pull this from my credit. They are refusing. This is the same exact scenario in which they knowingly made a mistake and fixed it previously.
Consumer complaint received 2020-03-02
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: ALLY FINANCIAL INC. (MO)

I paid off a vehicle loan with Ally Auto. They received a certified check on Tuesday, XX/XX/2020. After they received the check they withdrew another payment from my checking account for {$560.00} because they did not process the payoff for 7 days, on XX/XX/2020. I called to ask about the withdrawal of the payment after they received certified funds for the payoff. The Customer Service rep let me know that they would continue to withdraw funds from my account until I turned off automatic payments online. I stayed on the phone with them while I tried to find that option. However, because the loan was already paid off, there was no longer an online option to turn it off. They said they could not help me with that and there was no other way to turn it off. I did ask them to find a way to turn it off if the online option was not available and they did have it turned off before the next payment. 
I called again on XX/XX/XXXX to ask when they would mail the over payment back to me that was taken out after payoff. The CS Rep stated that it would take 18 business days from the day they determined it was paid off ( XX/XX/XXXX ) to mail a check back to me. I called again on XX/XX/XXXX to ask why I still hadn't received a check. They said they didn't have a note stating that it should be sent back to me, so I asked them again to do so and that it had now been 29 business days since they withdrew the extra payment. They said they would notate the file and that I would have a check in 5-7 days and then before we hung up they said no, it would be 7-10 business days. 
I am filing this complaint because it has now been 6 weeks since they took out the payment, after I paid off the loan and I still do not have the over payment back.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION (NY)

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I Was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : The reporting of these accounts ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device :
Consumer complaint received 2020-03-02
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)

However I have not had any accounts with your company, and I cant recall if I have gotten any calls or letters from you. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 

Can you please send me information showing that these debts are actually mine? And if they are mine, can you send me information that shows the amounts that I owe, because the amounts that these accounts say I owe seem higher than anything I was ever responsible for. 

I am also requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. 

Because I dont recognize these debts, and for the ones I recognize, I dont believe I owe as much as it says I do, I am also asking that you no longer contact me by phone about them, especially because people are calling my cellphone and I dont want calls to my cellphone.