davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-12
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: Experian Information Solutions Inc. (TX)

I have disputed the following accounts with the Credit reporting agencies multiple times directly as well as through previous CFPB complaints! The CRAs continue to state the accounts are accurate without providing the procedure used to verify the accounts. I have also disputed directly with the furnishers of the information and have received correspondence from them that proves the information reflected in my consumer report is not XXXX XXXX  accurate. In some instances the accounts are not reflected completely and is missing valuable information. All the CFPB does is forward the information this company is not performing a thorough investigation into the issues being provided by the consumers! 

The following accounts have been continuously reported inaccurately after being made aware of the errors! 

XXXX XXXX XXXXXXXX ) I will include a CFPB complaint response in which the company clearly states they will have the XXXX delete this account XXXX XXXX XXXX XXXX ) I will be attaching copies from the original creditor as well as the purchaser of this account in which the original creditor states the last payment posted to the account on XX/XX/XXXX and the purchaser of the account is reflecting XX/XX/XXXX. 

XXXX XXXX ( XXXX ) I will be attaching a copy of a letter that was sent from the furnisher of this account that they obtained from the original creditor. XXXX reflects XX/XX/XXXX as the date XXXX acquired this account ; the original creditor states XXXX acquired this account XX/XX/XXXX. 

XXXX ( XXXX ) This account is reflecting an inaccurate date of closing for XXXX  XXXX XXXX XXXX is reflecting XX/XX/XXXX as the closed date however XXXX has made it clear the account was closed on XX/XX/XXXX.
Consumer complaint received 2022-11-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc. (FL)

Per company : This is the third complaint in regard to this debt. We sent the our first notice, being the " model notice '' on XX/XX/22 to the same address as on this complaint. We made XXXX more additional attempts prior to credit reporting. The first contact from XXXX XXXX was the first CFPB complaint on XX/XX/22.
Consumer complaint received 2022-11-12
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: Experian Information Solutions Inc. (NC)

I have hard inquiries on my Experian credit report that I did not authorize. I've sent letters and called this bureau to inform them that these inquires were not made by me but they are still on my credit report. The inquires are as follows : Experian Business Cred Experian Business Cred XXXX
Consumer complaint received 2022-05-18
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

accounts are opened on my credit without my knowledge Hard inquiries are on my account without my knowledge The employment info is a job I have never had Addresses are listed that I have never resided at, in states I've never lived
Consumer complaint received 2022-11-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC. (OH)

They asked for all of my personal information and my bank info. I uploaded all the required documents. I received an email saying I was declined because they couldnt verify my income. This is blatantly false. I uploaded my pay stubs ( more than required ) and have worked at a major big ten university since 2008. I then called and told them my complaint and they said, despite asking for all my personal information AGAIN that they couldnt discuss it and I should check my email. Which was the reason I called. This business is fraudulent and now has all of my information. I want them shut down for predatory lending, false information, and refusing to state the reason for denial.
Consumer complaint received 2022-11-12
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MO)

I have been a Macy 's credit card account holder for more than 10 years, but hadn't used my card in around a year or more. I was in a store and asked if they could look up my XXXX so I could use the available coupons. The associate said, oh your card is expired, I'll just need a bit of information to re-activate it. This was completely inaccurate, she was actually signing me up for an entirely new XXXX with a new XXXX number. I was actually applying for new credit without understanding that I was applying for new credit. This is a very deceptive practice. If I was informed that I would have to re-apply for new credit I would have declined. This happened in XXXX or XX/XX/2022 at the Macy 's store in XXXXXXXX KS.
Consumer complaint received 2022-11-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (FL)

XXXX XXXX has damaged my credit and I know no knowledge of this debt. They have not provided any documentation proving I owe this debt. 

I will need dates, my actual name, and signature authorization to this amount of debt owed. 

If not I ask they please cease all actions to destroy my credit.
Consumer complaint received 2022-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (MS)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX VERMONT XXXX XXXX, WASHINGTON, DISTRICT OF XXXX, XXXX To : The Office of Registered Agent for XXXX XXXX XXXX XXXX. 


From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. 





By : XXXX XXXX XXXX
Consumer complaint received 2022-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (CA)

Genesis Financial Card Services website for Indigo is not registering payments in a reasonable amount of time and charging late fees even when payments are made early. My complaint is that the Indigo Card website serviced by Genesis Card Financial Services does not register customer payments in a reasonable amount of time. The customers credit card payment does NOT reflect in payment history or transactions after the payment is made. It does not show within XXXX hours either. As of today ( XX/XX/22 ) - my Indigo Card payment that I made on the website XXXX days ago for the entire balance ( {$290.00} ) is still not showing as made ANYWHERE on the Indigo website. I made a payment at XXXX on Thursday XX/XX/22 ( paid entire Indigo balance in full {$290.00} ) and as of today - XX/XX/22 - the indigo website shows NO PAYMENT made- even though I received a payment email confirmation from Indigo on XX/XX/22. The website shows today ( XX/XX/22 ) my payment is late! I received an email today from Indigo also saying the payment is late and not received. ( Conflicting with the previous payment confirmation email I received on XX/XX/22 from Indigo ) The minimum payment for my Indigo card was due XXXX I made the full balance payment ( {$290.00} ) on XX/XX/22 at XXXX ( Thursday - a business day ) and I received a late fee today XX/XX/22 and my statement closed showing no payment was made. I made the payment XXXX day before the due date ( on a Thursday ) and it does not show on the payment history today ( Saturday- XXXX days later ) - and now shows late on the website as of XX/XX/22. I do have the email from Indigo on XX/XX/22 showing they did receive my payment {$290.00} at XXXX. I also have an email from Indigo today XX/XX/22 from saying they did not receive a payment and its late. This is a HUGE issue! And they charged me a late payment charge! I complained previously to CFPB and Genesis Financial Card Services responded that this did not happen.. its happening again!! Please help!
Consumer complaint received 2022-11-12
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: TRUIST FINANCIAL CORPORATION (NY)

The last payment was made on XX/XX/2022 and on XX/XX/2022 the company reported my account as be delinquent. which changed my credit scores by XXXX points this is not fair. Resulting in my XXXX  at XXXX and is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-20
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. (PA)

I have made numerous attempts on investigations on this matter this company refuse to do there job blaming each other for inaccurate information on my credit file. I applied for A NEW credit card only to get denied into i verify my identity thought experian because experian have another person information on my credit file which is destroying my life. 
I attached all my documention I ask for my name correction they did a dispute i submitted then to reinsert it back on my credit file. Please hold these company accountable I submitted ALL the proof I need to fix this situation and it still not fix Experian even went as far as not inserting my credit card thats in my name on my credit file and removing my score ALL TOGETHER FROM INFORMATION XXXX IS PROVING.
Consumer complaint received 2022-11-12
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: National Credit Adjusters, LLC (NV)

NATIONAL CREDIT ADJUSTERS has stolen my identity ( non consent is a form of identity theft ) and has continued to defame my character, causing mental and physical anguish including but not limited to, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, adverse action from lenders including the credit unions that I bank with. I have no contract nor have I ever signed a contract with NATIONAL CREDIT ADJUSTERS for ANY alleged debt, and sending me a copy of an alleged credit card statement from an alleged creditor does not constitute as an alleged original contract between me and the alleged creditors. NATIONAL CREDIT ADJUSTERS sent a copy of a credit card statement from XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXXXXXX with a closing date of XX/XX/20 which shows a XXXX BALANCE which further proves that therefore I OWE NOTHING. NATIONAL CREDIT ADJUSTERS has violated the FDCPA rules as follows ( SEE ATTACHED EXHIBITS ) : 15 USC 1692b ( 2 ) ; 15 USC 1692j ( a )
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I disputed this account with Experian, XXXX, and XXXX via USPS certified mail. 

I also sent 2 debt validation requests via USPS certified mail to XXXX XXXX XXXX on XX/XX/2022, and XX/XX/2022. XXXX XXXX XXXX ignored my request for debt validation and failed to respond in over 60 days. I dont even have an original account with whom they say the original creditor is or a similar dollar amount of {$600.00} reporting on any of my credit reports. This is why I wrote to XXXX XXXX XXXX directly to validate the debt in the first place. 

XXXX completed their investigation and deleted the account from my credit report. 

As of XX/XX/2022, both Experian and XXXX verified and or updated the account as accurate however they didnt actually verify it and they are continuing to report it on my credit report. By their continuous reporting of an unknown and or unverified account, they are in violation of the FDCPA. 

This is continuing further collection activity which is also a violation of the FDCPA.
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

There were two of my accounts involved on my same Capital One 360 Checking Account ending in XXXX. I was pretty stressed when both of these vendors charged my account After I cancelled. Today, XX/XX/2023, I cantacted my bank, Capital One 360 after I noticed that both companies had charged my account. It was also very stressful because I had to give my information three separate times because I was transferred to three different departments. When I inquired why I wasn't transferred to the right department the first time, there was no response. I needed to get the unauthorized transactions credited asap because they had plunged my account into the negative. I had to repeat the issues to all three departments because no one brought over the information. That being said, in the last department, I ended up speaking to XXXX. I kept telling her I needed to get this taken care of right away as I have serious health issue and was waiting for a call back from my doctor. I still ended up on this call at least 45 minutes which was really frustrating. On my XXXX XXXX XXXXXXXX I needed a credit back of {$14.00} which appeared on XX/XX/2023 and I asked to do a stop payment so this could not occur again.I also asked for a credit on XXXX XXXX XXXX which appeared on XX/XX/2023. I asked that a stop payment be placed on this account also. XXXX became argumentative with me and kept repeating the dialogue that it could take up to 10 days. I kept telling her that would not work because my account was in the negative and I am going thru enough trying to make ends meet since I am a XXXX XXXX XXXX XXXX I told her I heard whaat she said the first time, but XXXX kept repeating the same information to me again and again when she knew I had to speak to my doctor right away.. Then she told me she could not put a stop payment on the XXXX because it wasn't recurring. I have a membership which is veerified on the attached but she kept insisting nothing could be done.
Consumer complaint received 2022-11-12
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: Cascade CISS Holdings, LLC (NY)

XXXX has been notified of the following inaccuracies on XX/XX/XXXX at XXXX via Certified Mail ( # XXXX XXXX XXXX XXXX XXXX ) : XXXX. The inquiry was not authorized : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized : XXXX XXXX
 XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following debt is not mine : XXXX XXXX SERVICING XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, UTAH XXXX Account Number : XXXX My letter requested physical verification from XXXX XXXX as well as each of the companies, in order to verify the following accounts. Although XXXX has claimed to complete an investigation, neither XXXX or the companies were able to provide complete physical verification of the activity in dispute. XXXX and the above mentioned furnishers have knowingly continued to report the inaccurate and unverifiable information. This has caused me injury, mental anguish, damages and losses to my inaccurate consumer credit report. 

I determine that XXXX in concert with XXXX XXXX  SERVICING and XXXX ( formerly XXXX, XXXX XXXX XXXX XXXX ) have violated the following codes : XXXX. 15 U.S. Code 1681a 2. 15 U.S. Code 1681i 3. 15 U.S. Code 1681n 4. 15 U.S. Code 1681o 5. 15 U.S. Code 1681s-2
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

We deposited XXXX checks on XX/XX/XXXX for a total deposit of {$9800.00}. XXXX days later the deposit was still not posted to our bank account. XX/XX/XXXX we went to bank and were informed that the deposit is there and should be in our account. They did not know why it was not. Error caused by bank- XXXX of the numbers missing when recording our bank account XXXX and that this would be corrected by XX/XX/XXXX. On XX/XX/XXXX we took a copy of the front and back of XXXX of our clients cancelled checks to show Citibank had cashed the check and to show where Citi Bank actually deposited our XXXX, the bank XXXX said that an Investigation Report should have been filed and should be corrected within a week and we should be patient. Since then we have contacted bank every week and each time we have been told it should be posted by the following week and to be patient. Our last communication was on XX/XX/XXXX. As of today XX/XX/XXXX, still not in our account. 
At this point we feel that our funds have been stolen or bank is involved in some kind of fraud.
Consumer complaint received 2022-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business XXXX XXXX  that sells XXXX since XX/XX/2021. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.