davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Neon Newco Corporation (TN)

Netspend sent me text messages and emails saying that I needed to call in. I called on XX/XX/XXXX and found out that Netspend stopped paying Unauthorized - Foreign transaction is : XXXX XXXX XXXX XXXX XXXX. {$56.00} five times. 

Both the XXXX and XXXX claim that they do not recognize either my Soc. Security #  or my now shut down card account #. 

Being a veteran and having lived in the XXXX XXXX XXXX area for XXXX years, I know a XXXX accent when I hear it. 

The exact same problem happened to my account in XX/XX/2019. But Netspend finally figured it out, and my phone calls to them are ( or were ) not being 'transferred ' overseas, XXXX , PI for example. 

You would have thought that Netspend would spend extra resources to find out that a ROGUE CUSTOMER SERVICE is ripping people off and shut it down, especially their overseas affiliates. 

So I called again on XX/XX/XXXX ( using the XXXX # ) and was then transferred to a supervisor who said she saw that the XXXX XXXX XXXX XXXX XXXX was thought to be 'approved ' per what the initial customer svc rep had indicated. I said that he apparently wasn't listening because each time he asked I said NO, I do not know who this is. 

It should have been obvious to Netspend that these were suspicious transactions since they came one after the other AND the amount was the SAME, until XX/XX/XXXX that says the amount is {$54.00} --. 

As of XXXX XXXX CST, I emailed the President of Netspend giving them 4 hours to correct this or my next phone call will be to the FBI. 

Still waiting. The CFPB should also investigate XXXX XXXX XXXX because they have the legacy phone systems that a poor nation as the XXXX still rely on. Plusm all this nefarious activity came around the time of my Pension Payout from XXXX XXXX XXXX. Fortunately, I did miss that first deadline or my $ XXXX would have been toast, overseas, and without an ability to get at it. 

XXXX XXXX XXXX and I have a 'history ' - and needs to be looked into with a fine tooth comb in regards to XXXX and to my own personal history.
Consumer complaint received 2018-04-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ENOVA INTERNATIONAL, INC. (LA)

I applied for a loan at cashnet USA online and was approved on XX/XX/XXXX and I get paid once a month because I get XXXX from the XXXX XXXX XXXX so I told the representative that I got paid on XX/XX/XXXX and I told the lady that I was going to pay a partial payment that consist of {$120.00} and the representative name XXXX told me since I get paid monthly that my next payment would be due on XX/XX/XXXX and since then I have received an email stating that I have another payment coming due on XX/XX/XXXX and I don't get paid like they have schedule because it has not been 30 days until I get paid again so I'm writing to see if they are in compliance with the truth and lending act because they are suppose to collect my payment according to when I get paid not before I get paid and cashnet USA pretend that the state of Louisiana gave them permission to collect money in 8 to 14 business days. This is very unfair to me because I have stretch my money from the XXXX of each month to the next pay day.
Consumer complaint received 2023-06-12
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

After checking my credit I realize that I have been victim of identity theft, inquiries has shown in my credit report that i did not authorize.

An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file, please remove any other address, other than my current to prevent others to use my name. I'm reporting this as an effort to clear my name.
Consumer complaint received 2018-04-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC (NC)

On XX/XX/XXXX, I entered a lease on a XXXX XXXX XXXX XXXX / XXXX with BMW Financial Services and XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX / XXXX was going to be Titled, Tagged and Registered in Florida. I am a Florida State Resident, and have maintained my Florida Residence since I was called to XXXX XXXX serving in the XXXX XXXX. Therefore, I am tax exempt, and filed the necessary exemptions, and affidavits. I terminated the lease, and returned the vehicle to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

On XX/XX/XXXX BMW Financial Services discussed the Lease Termination Options, I was assured I would receive a refund of the additional fees. 

On XX/XX/XXXX BMW Financial Services discussed the Voluntary Surrender Process with me, I requested information about Military Early Termination. 

On XX/XX/XXXX BMW Financial Services discussed the Military Status Option with me, since I had already turned the vehicle into the BMW XXXX where I originally leased it. 

On XX/XX/XXXX BMW Financial Services discussed the Early Termination Options, and explained that I would be refunded any fees that I had paid in excess. 

On XX/XX/XXXX I received payment confirmation notification from BMW  Financial Services, stating they had received my payment of {$8900.00}. 

On XX/XX/XXXX BMW Financial Services sent account Paid in Full letter.

On XX/XX/XXXX I confirmed and verified with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( XXXX. XXXX XXXX & XXXX XXXX. ) the XXXX XXXX XXXX XXXX / XXXX was never Titled. If this vehicle had been registered, and my existing tags transferred it would have only been {$64.00}. I was erroneously charged {$2100.00} for license fees, registration, title, and taxes for the XXXX XXXX XXXX XXXX / XXXX. 

This vehicle was not titled, tagged or registered, I was overcharged {$2100.00} when I leased the vehicle. 

XXXX XXXX XXXX XXXX XXXX stated that it never received any title paperwork or leasing documents on this vehicle. 

When I paid the early termination I was charged again for registration, title, tags, and fees. How many times am I supposed to pay for tags, title, etc? I am a Florida Resident therefore I am tax exempt, I provided all affidavits and necessary paperwork.
Consumer complaint received 2018-04-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It XXXX Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX. The following personal information is incorrect CURRENT ADDRESS : 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 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 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 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 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 Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-09-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alpha Recovery Corp (FL)

Today is Tuesday XX/XX/2018. I have a letter from Alpha Recovery Corp ( XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX, CO XXXX - XXXX ). I followed the directions written in their letter to satisfy my debt by going to their website ( www.alpharecoverycorp.com ). I followed the prompts and set up my payment for account # XXXX in the amount of {$740.00}. After the payment was made the site stated that if I wanted a receipt to call their number and ask for one, so I called the number as directed. 
After getting a agent on the phone she said that I couldn't have made a payment because they do not have my account. That is after I went one their site found the account and paid the amount in full. I told her this, she became rude, angry and transferred me to the manager. I told my problem again to the manager, the same result, however this time she just hung up. I still don't have my receipt for my payment. 
I called back a third time and left a complaint with the compliance manager of the company via voice message. 
I have not gotten a call back and still do not have my receipt. Completely unacceptable.
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (CA)

I am XXXX  XXXX with a Citibank credit card for 30 years. My credit score is XXXX, I have always payed on time. My current balance is {$5700.00}. Over the past 12 months, my interest rates have increased from 4.99 to the most recent whopping 18.74 % ( an increase of 4 points over the past month! ). 

I called Citi in protest and spoke with XXXX in the XXXX ID : XXXX, then a supervisor. They advised me to write and email to XXXX XXXX XXXXXXXX, etc. 

The REASON for the increase, on my XXXXXXXX XXXX  statement was as follows : " As of XX/XX/XXXX your credit score is XXXX. Credit scores range from a low of XXXX to a high of XXXX XXXX' NONE of the key factors that " adversely affected your [ my ] credit score '' are true. 

Further, per CITI, " if you have any questions regarding your credit score, you should contact the consumer reporting agency identified above ''. 

It's XXXX. What's WRONG with my credit score or my BALANCE!? 

I urge you to support XXXX XXXX low-earners like me, who pay on time, and who are being unduly punished by the Catch-22 between Citi and credit agencies . 

My son serves in the military, as did my beloved father, XXXX XXXX and XXXX XXXX in XXXX> Thank you for your service.
Consumer complaint received 2018-11-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AR)

On XXXX-18 I sent a certified letter ( tracking # XXXX to XXXX XXXX XXXX which was received on XXXX-18 at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. XXXX XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation
Consumer complaint received 2022-12-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (MA)

XXXX XXXX performed a XXXX  test ordered by my doctor and submitted an insurance claim that did not contain the correct diagnosis codes ( these codes were provided by the doctor but quest failed to use them properly ). On attempt to resolve this, XXXX  refused to allow me to speak with a billiing representative and insisted that the claim was filed correctly ( XXXX XXXX XXXX XXXX XXXX XXXX  I can confirm they were not acting in good faith here ), and refused to correct or alter their claim. Knowing what the particular service is " worth '' ( based on public infomation provided by XXXX ), I made a payment to the collections agency with a " Final Settlement '' notation, knowing that I had paid over XXXX the reasonable value of the service ( though not the 1200 % charge amount they were attempting to collect ). They also refused outright to negotiate by even XXXX XXXX, when the representatives know very well that an insurance company would not ever consider paying over {$250.00} for a test valued under {$20.00}. This practice exists blatantly to take advantage of consumers and extort as much money out of them as possible. 

As most courts have historically upheld personal checks as binding contracts, the endorsement of the check marked Final Settlement by the collection agency represents a legal agreement by the debt collector as acceptance of the check amount ( XXXX ) as full and final settlement of the oustanding debt. There is no place for them to endorse ( aka, agree to the terms of ) a check and simply ignore SOME of the terms but not others indicatred on the front of the check. 

I have communicated repeatedly with XXXX XXXX and CCS ( the debt collector, " Credit Collection Services '' ) but neither corporation had any interest in resolving this matter with any sort of respect or understanding for the consumer/patient, nor were they in any way willing to admit that they are, in effect, price gouging and taking advantage of patients at their most vulnerable times, not even willing to provide any administrative relief ( ie., modifying an insurance claim to provide additional information that was initially omitted from the claim ), nevermind financial. 

All information/addresses/telephone numbers can be found on attached documents for XXXX XXXX and Credit Collection Services.
Consumer complaint received 2019-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NV)

I downloaded an app called XXXX ( a budget tracker and planner ) and inquired about my credit report. I've noticed there is an open account that I am not associated with. This account is called CBNA and has been open since XX/XX/2019. In addition, this account 's last payment was XX/XX/2019. I am very confused since I do not recall opening any account this year.
Consumer complaint received 2018-04-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Firstsource Business Process Services, LLC (FL)

I was alerted by a credit monitoring site that a negative account was placed on my XXXX report. I never received any mail / notice from the company to let me know that I even had a debt. The report says I opened this account in XX/XX/XXXX, I was XXXX XXXX XXXX in XX/XX/XXXX I DID NOT TAKE OUT A XXXX LOAN OUT FOR SCHOOL at XXXX XXXX XXXX!!! I want this taken off my credit report immediately!! This company could have at least let me know about the debt so I could either pay it off or dispute it if its not mine! I have not been in school since XX/XX/XXXX so even if this debt is mine that means the account is over 7 years old!!!
Consumer complaint received 2018-04-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc. (IN)

Choice Recovery has acted deceptively with respect to my account and my wife 's, attempting to collect on a debt that is already paid, and filing false reports with credit agencies. They accepted referral of a debt that we were actively disputing with the original creditor. We were working with a consumer hotline ( the XXXX XXXX ) that had taken our case and was negotiating with the original creditor, who had been misleading in their business practices, but they aggressively referred it to collections rather than work with the hotline. As a result of the threat of collections, we paid the debt to the original creditor ( under duress ) in full on XX/XX/XXXX for both accounts. However, Choice continued to contact us claiming we owed the debt. On XX/XX/XXXX, weeks after the debt was settled, they falsely reported it to credit agencies as unpaid. This is despite the fact that they claim in letters that they will not report debts to credit agencies if they are paid within 31 days of the first contact, as this one was.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

In XX/XX/XXXX I became aware of a Capital One credit card opened in my name back in XXXX. I contacted Capital One in XX/XX/XXXX regarding the account. They responded there was not an error and the card was still mine. I tried to get the personal information ( email, phone, etc ) they had on me to confirm it was not mine but they refuse to give me the information they have so I have no way to prove the card does not belong to me and they can not prove to me why they believe it is my account. I again contacted Capital One in XX/XX/XXXX after I was threatened to be turned over to collections. They still won't work with me, but insist it's my card. I did manage to get monthly statements from them. What I found are a few charges to fuel stations, XXXX, XXXX, and a fast food place. There are also A LOT of over the limit or late fees charged - XXXX XXXX XXXX worth! I am at a loss in how to prove to Capital One that this card was opened without my knowledge, I do not have a card with them, and I want this resolved and cleared from my credit report.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

the credit bureaus credit won't let me dispute online or over the phone the following accounts are not mine account name XXXX {$2000.00} Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX {$1300.00} Account number XXXX
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

This is my second time filing a complaint with the CFPB in regards to Experian and the incorrect information that they continue to furnish about me on my consumer report. In addition to disputing this with the CFPB I have also disputed these incorrect address with Experian more than twice. The address on my consumer report states that I have lived at : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. This isn't nor has it ever been my address. There has been fraudulent activity in regards to my identity. Both XXXX and XXXX have removed this incorrect address. I am seeking the help of the CFPB again on this matter. At the time of disputing I sent my ID along with personal mail confirming address. XXXX XXXX XXXX isn't nor has it ever been my address. PLEASE DELETE!
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

I hope this letter finds you well. I am writing to dispute and request the removal of unauthorized hard inquiries from my credit report. As a vigilant consumer, I recently reviewed my credit report and discovered several hard inquiries that were not authorized by me. 

The unauthorized inquiries were made without my knowledge or consent. I have never applied for credit, services, or products with this company, making these inquiries both unauthorized and inaccurate. 

According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit bureaus to ensure the accuracy and legitimacy of the information listed on consumers ' credit reports and remove them from my credit report immediately. 

In addition, I would appreciate receiving a written confirmation once the unauthorized hard inquiries have been removed from my credit report. This confirmation should include an updated copy of my credit report reflecting the changes made. 

Please note that I have also sent a copy of this letter, along with the attached documentation, to the respective company or organization responsible for the unauthorized inquiries. 

I trust in your ability to address this matter promptly and efficiently. I appreciate your attention to this issue and your cooperation in resolving it. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-04-06
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2022.