davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-03
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: Experian Information Solutions Inc. (GA)

According to FCRA 15 USC 1681b ( c ) ( 1 ) ( A ), consumer reporting agencies must have my authorization to provide information pertaining to me on a consumer report. Experian has reported inquiries on my credit report about alleged attempts from me to request credit from the following companies on the respective dates listed : XXXX XXXX  XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

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 I DID NOT APPLY FOR ANY CREDIT WITH THESE COMPANIES I WANT THEM TO BE REMOVED FROM MY CREDIT REPORT THIS SI FRAUD
Consumer complaint received 2021-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DCI Credit Services, Inc. (LA)

In regards to previous complaint against DCI Credit Services , Inc. Company responded on XX/XX/2021 to CFPB complaint stating : RESPONSE TYPE Closed with explanation Company 's Response DCI Credit Services , Inc.- a North Dakota based debt collection agency has not sent any notices or attempted to collect any accounts/debts on this Consumer. This complaint was made against the wrong company as we do not have any accounts here under the Consumer information provided. 

On XXXX XXXX DCI Credit Services, Inc pursued further attempts.

They continue to break and violate Federal Law 1 ) Claiming that no such debt nor consumer existed in their records 2 ) Continued to violate 15 USC 1692 by submitting Notice on XXXX XXXX XXXX ) Lying to the CFPB in regards to avoid investigation of the matter
Consumer complaint received 2021-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2021, I initiated contact with Capital One inquiring as to why the available credit had not been updated after making a payment earlier in the week. The customer service supervisor proceeded to inform me that they can see an " 8 day hold '' was put on the account. She also told me that nobody at Capital One tells them what the reasons are for why holds are placed on the account after payments are made. While Capital One 's terms and conditions may claim they could potentially put holds on the account, it doesn't say anything in their Terms and Conditions about it happening consecutively, especially after making multiple payments. 

Just because Capital One makes a claim that holds may happen does not give them the right to do so every single time a payment is made. I've reached out to an attorney who feels this violates a few things at the Consumer level. This issue will be brought to the attention of a group which I chair who decides whether class action lawsuits are justifiable. Arbitration only applies to single account holders. We have already received interest from multiple people who have experienced this same problem with Capital One.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

FCRA viloations Not mine not my credit cards XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} XXXX Account charged off. {$2000.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
never lived here XXXX XXXX XXXX XXXX XXXX, IN XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX type Single family XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX type Single family not my inquiries XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX
Consumer complaint received 2021-07-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (CA)

Cash app states : Cash App offers standard deposits to your bank account and Instant Deposits to your linked debit card. 

Standard deposits are free and arrive within 1-3 business days. 

Instant Deposits are subject to a 1.5 % fee XXXX with a minimum fee of {$0.00} XXXX but arrive to your debit card instantly. 

I had an instant deposit from XXXX on my cash app debit card and it shows I have a XXXX  balance. XXXX gave me a confirmation number and I know they made the deposit. Cash apps customer service line is always closed. I sent five support emails to them and have had not one response. They are not posting my {$920.00} to my account. It was a direct deposit to the card.
Consumer complaint received 2021-07-05
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: AMERICAN EXPRESS COMPANY (NJ)

There are fraudulent charges on my Amex business Platinum card. The due date is approaching but I have financial hardship to pay off the purchases or charges that were not made by me. I have been a good customer with Amex since 2013. No late payment and always pay off the balance on time.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I filed complaint XXXX in which the company acknowledges mistake however they say my lates are in XXXX and they arent. The late reporting accured from XX/XX/XXXX till XXXX of XXXX in which I have 6 missed payments. XXXX also says my loan doesnt qualify for forbearance yet I've been on forbearance since XXXX of XXXX and still to this day. Equifax continues to report the 6 missed payments. XXXX states they've sent correction letter to equifax to remove all 6 lates, however equifax says they've never received such letter. In fact equifax says XXXX confirmed the 6 late payments as accurate even after theyve acknowledge their mistake.
Consumer complaint received 2021-07-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I sent a letter previously XXXX XX/XX/2021 XXXX, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My husband XXXX XXXX XXXX died on XX/XX/2014. We had a joint checking - -saving 's account with Bank of America . A few days after his death I transferred the funds in the savings account to our joint checking account. I had full access to both accounts of course. A few days later Bank of America did a forced withdrawal of the funds from our checking account of approximately {$1100.00}. They said it was an unauthorized transaction to transfer from the savings to the checking account. I personally contacted Bank of America branches here in XXXX, Florida 3 times and supplied copies of the death certificate and will each time. They faxed to the deceased person division each time they said I would get a check within 10 days. After the third time repeating this process they said I needed a court certificate of some kind which cost {$400.00} to received the funds. I was then referred to the deceased persons division to a XXXX XXXX who said he would handle it. That was over 5 years ago. A friend of mine mentioned the CFPB could possibility help me out. Bank of America has completely blocked any access to these funds which I am legally entitled to. They do mail a quarterly statement. Copy is attached for reference. I am XXXX and any extra funds would help me greatly.
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/XXXX when Comenity Bank received notification ( from XXXX ) that I had finally been able to afford to pay off two Comenity Bank accounts ( sold to XXXX XXXX ), Comenity took advantage of the notification from XXXX  that requested deletion, and reported back a changed status of " charge off '' eventhough they had just been sent proof of PAID accounts for both accounts, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. When I called Comenity, representative stated that " they had to report something '' i.e., instead of honoring/accepting the proof of payment for both Comenity accounts sold to XXXX XXXX, Comenity chose in less than 48 hours of receiving XXXX delete request and proof both accounts were paid, Comenity knowingly and intentionally seized the opportunity to incorrectly report back to XXXX " charge off '' status to XXXX  This was deliberate ; when I immediately called Comenity, the gentleman who answered told me they/Comenity had not reported to credit reporting agencies since XXXX, on either account. It was only when XXXX contacted Comenity and notified them that I had paid both debts , XXXX and XXXX XXXX, it was then and only then that the vultures at Comenity reported back to XXXX, an incorrect status of charge off. I think I have this Comenity " hustle '' figured out. Unbenounst to a consumer who is ignorant to predatory companies like Comenity tries to clean up their credit and Comenity learns of money changed hands, like a shark who smells blood, Comenity then uses that paid awareness to hijack accounts into the incorrect status of charge off, creating opportunity for selling more debt, etc. This was completely deliberate and a reaction to paid status notification, because when I called Comenity about the response and change of status to charge off, Comenity phone agent admitted that had not even reported on either of the 2 accounts since XXXX so clearly, it was notification of PAID status to XXXX XXXX that " set off '' this status change ; therefore, there is clearly a reaction/ agenda for Comenity Bank to act upon paid status. Comenity engages in predatory practices and that is why there are over XXXX complaints with XXXX. I also recognize that because XXXX  has proof that the debt is paid ( to XXXX XXXX ) and they subsequently removed XXXX XXXX from my credit, they too could of simply removed-deleted the original Comenity Bank negative strikes, XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX, but they didn't. This is a consumer scam to collaborate and facilitate money making in this credit industry. I fully expect one other Comenity account to now be sold to XXXX XXXX
Consumer complaint received 2021-07-03
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. (OH)

I have filed my complaint in XX/XX/2021 I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-06-30
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MHY NAME I AM VICTIM OF FRAUD I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRAs. On XX/XX/2021, 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 XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2021-07-03
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. (OH)

I have filed my complaint in XX/XX/2021 I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-07-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I recieved a text from a number claiming the following : " BOA XXXX Prepaid Debit Card has been temporary suspended. Please click the link below to re-activate your Bank of America XXXX Prepaid Card to Access your Card. XXXX : XXXX '' I do not own a BOA XXXX Prepaid Debit Card.
Consumer complaint received 2021-06-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (VA)

CBE GROUP XXXX continues to harrass and threaten me with court action for a payday loan I never took out. This is the second time I've had to contact CFPB about them. Please assist. I DO NOT OWE THEM ANY MONEY!!
Consumer complaint received 2021-06-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (MO)

I received an alert on my credit file that there was some kind of collection with a company I have never heard of. The name of the collection company is Central Portfolio Contro. It's indicating that there is money due for some company named XXXX XXXX XXXX XXXX XXXX XXXX. I have no idea what this is. I disputed with the bureaus and they haven't responded. I never received anything in the mail from the collection company or whomever they are trying to collect for.
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/XXXX when XXXX Bank received notification ( from XXXX  ) that I had finally been able to afford to pay off two XXXX XXXX  accounts ( sold to Portfolio Recovery ), XXXX took advantage of the notification from XXXX  that requested deletion, and reported back a changed status of " charge off '' eventhough they had just been sent proof of PAID accounts for both accounts, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. When I called XXXX, representative stated that " they had to report something '' i.e., instead of honoring/accepting the proof of payment for both XXXX  accounts sold to Portfolio Recovery, XXXX  chose in less than 48 hours of receiving XXXX  delete request and proof both accounts were paid, XXXX  knowingly and intentionally seized the opportunity to incorrectly report back to XXXX  " charge off '' status to XXXX. This was deliberate ; when I immediately called XXXX, the gentleman who answered told me they/XXXX  had not reported to credit reporting agencies since XXXX, on either account. It was only when XXXX  contacted XXXX  and notified them that I had paid both debts , XXXX and XXXX XXXX, it was then and only then that the vultures at XXXX  reported back to XXXX, an incorrect status of charge off. I think I have this XXXX " hustle '' figured out. Unbenounst to a consumer who is ignorant to predatory companies like XXXX tries to clean up their credit and XXXX learns of money changed hands, like a shark who smells blood, XXXX then uses that paid awareness to hijack accounts into the incorrect status of charge off, creating opportunity for selling more debt, etc. This was completely deliberate and a reaction to paid status notification, because when I called XXXX  about the response and change of status to charge off, XXXX  phone agent admitted that had not even reported on either of the 2 accounts since XXXX so clearly, it was notification of PAID status to Portfolio Recovery that " set off '' this status change ; therefore, there is clearly a reaction/ agenda for XXXX XXXX to act upon paid status. XXXX  engages in predatory practices and that is why there are over 1,000 complaints with XXXX. I also recognize that because XXXX  has proof that the debt is paid ( to Portfolio Recovery ) and they subsequently removed Portfolio Recovery from my credit, they too could of simply removed-deleted the original XXXX XXXX  negative strikes, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, but they didn't. This is a consumer scam to collaborate and facilitate money making in this credit industry. I fully expect one other XXXX account to now be sold to Portfolio Recovery
Consumer complaint received 2021-07-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I had applied for credit with XXXX under their " XXXX XXXX XXXX  '' program which offered me a line of credit through Citizens One. The understanding was the credit was offered due to product which was currently in stock and available. I went through the full approval process, which included a hit on my credit report and received confirmation that the credit was approved and my order was processing. After 10 days of no communication, I received a generic message letting me know that my order will not be fulfilled because there was not enough stock to fulfill the order. This left me with an unusable credit line, a hit on my credit report and not product that was implied to have been in stock and available. The retailer this was with was XXXX.
Consumer complaint received 2021-06-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

On XXXX, As an informed consumer pursuant to 15 USC 1692a ( 3 ) and aggrieved applicant pursuant 15 USC 1691d ( e ), I, XXXX XXXX XXXX XXXX, applied for Credit on used vehicle and was denied credit based on me exercising my rights as a consumer to credit transactions which is discrimination pursuant to federal law.