davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (FL)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, D.CXXXX XXXX Subject : Dispute of Collection Practices Midland Credit Management XXXX Inc. and XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the collection practices of Midland Credit Management , Inc. and attorney XXXX XXXX XXXX XXXX XXXX account with XXXX XXXX  XXXX I believe that both Midland Credit Management , Inc. and attorney XXXX XXXX XXXX have violated the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX XXXX. XXXX ( c ), which mandates that a debt collector must cease communication with a consumer upon written request. 

Details of the Dispute : Collection Company : Midland Credit Management , Inc . 
Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Account in Dispute : XXXX XXXX, Account Number XXXX Attorney : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, MI XXXX Nature of the Violation : I previously sent a written request to Midland Credit Management , Inc. and attorney XXXX XXXX XXXX to cease all communication regarding this debt. Despite this request, both entities have continued to contact me. This ongoing communication is in violation of 15 U.S.C. 1692c ( c ), which requires that debt collectors and their attorneys stop all communication once such a request is made. 

Additional, violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section state : no consumer reporting agency may make any consumer report containing any of the following items of information any other advises item of information, other than records of convictions of crime which antedated the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. b I request that the CFPB investigate this matter to ensure that both Midland Credit Management , Inc. and attorney XXXX XXXX XXXX comply with the FDCPA. Specifically, I seek the following : Verification that both Midland Credit Management , Inc. and attorney XXXX XXXX XXXX received my written request to cease communication. Assurance that both Midland Credit Management , Inc. and attorney XXXX XXXX XXXX will immediately cease all communication with me regarding this account. Any necessary enforcement actions to address and prevent further violations by Midland Credit Management XXXX Inc. and attorney XXXX XXXX XXXX. 

I appreciate your prompt attention to this issue and look forward to a resolution. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2023-05-15
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. (FL)

I am submitting this CFPB Complaint regarding fraudulent items on my credit report. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these fraudulent items are removed from my credit report and that my credit score is restored to its previous level. I need the following items removed from my Credit FIle : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} ABILITY XXXX XXXXXXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$6600.00} XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score.
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc. (NY)

This a major issue with CashApp. 

On XX/XX/XXXX, at XXXX XXXX, I received an email that CashApp balance was negative. At XXXX, I received an email that the portion of my payroll that goes to CashApp was returned as the deposit failed. When I logged into the account at XXXX, I saw that the account was closed as of XXXX XXXX due to violating their Terms of Service ( TOS ). I instantly went to the CashApp chat assistance and as of XXXX XXXX, still haven't heard from them. 

As soon as I arrived at work, I went to my HR department and together we called our payroll servicer. They said all processing went through as planned, and sure enough, the other portions of my pay check as allocated all went to the respective banks without issue, and as of XXXX XXXX, there was no notice of rejection of the pay to CashApp happening. 

I then called CashApp from my office and they require a call back, which just occurred, but what a waste of my time. The representative could tell me nothing. Claims that he can't see the deposit in the account being reversed ( I took screenshots in case they tried to say it never happened ), and could not tell me what part of the TOS was violated. I simply use this account for a portion of my payroll, to accrue some savings, bitcoin, and buy things, there is nothing nefarious going on in my account whatsoever. Rep told me the CashApp AI system makes all determinations and that's all he could say and wish me well.

So, now I have multiple issues.

1. They closed the account without any notice and refuse to explain why the account was closed.

2. They took the small savings I've been accruing from purchases and transferred it against what is now a negative balance because I had already used part of the {$500.00} so when they reversed it, the account went negative and they applied the savings against this. 3. I can't get
the {$35.00} in Bitcoin out because it won't let me transfer it to another wallet. I can only cash out which I don't want to do.

4. The reversal of my pay is in no man 's land now. CashApp claims it never happened nor was received, meanwhile my HR department and our payroll processor says the payment went through and there has been no rejection and return of funds.

I need help getting answers. I don't care that this account was closed, I'll simply delete it from my direct deposit and walk away from it and continue with my traditional banks, XXXX and XXXX. But the theft of the small savings, not being able to move the BTC, and the missing pay, that all needs to be fixed. Please help.
Consumer complaint received 2023-08-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (NY)

Affirm reported this payment as past due when it was not and dropped my score XXXX points. To add insult to injury. It was the last payment on the loan for a minuscule amount of {$12.00}. Mind you Affirm does not report positive payment history, all of my good history with the company was ignored but this incorrect late payment for a small amount was report. Strangely enough they reported this account as paid & closed a few days later but the 30 days past due is still on my credit report and impacting my score. 

What affirm has done has charged a flawless payment history and has jeopardize me being able to get a place to live in the next few months. My score dropped from near mid 600s to high 500s.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-08-14
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: EQUIFAX, INC. (CA)

On XX/XX/year> I made an online request regarding a personal from XXXX XXXX for {$10000.00}. There was not supposed to be a a hard pull inquiry on my credit report unless I accepted the terms and conditions of the pre-approval, yet they did a hard pull instead of soft pull which would affect my credit report negatively. I did not authorize a hard pull inquiry and their email also stated that " checking for loan offer did not affect my credit score. See copy of email below. 

XXXX XXXX  XX/XX/year> Dear XXXX XXXX : Many online loan sites send us loan offer requests from consumers. One of these sites passed us your request from your search on XX/XX/year>. Important : Checking for loan offers did not affect your credit score. 
We understand how important it may be to get the funds you are looking for. At this time, however, we are unable to provide an offer to you. Below are the specific reason ( s ) we are unable to provide you an offer : Insufficient recent bank/national revolving info.

Number of revolving accounts Payment on accounts
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On about XX/XX/2022 I have made about a {$110.00} purchase on my Bank of America credit card and not made a payment for about six months, becouse I had an automatic minimum payment feature activated on the account wich for some reason - the bank never satisfatorily explained why never was activated in their end even after numerous personal and phone request. They never notified me they just started adding late fees and penalty fees for six months and now it is stand at for some {$330.00}. 
I have paid the {$110.00} actual charge with interest, but refused to pay the fees and penalties. They reported me to the credit bereaus and ruined my credit. 
I demand they redract their baseless complaint.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (TX)

For the record, sufficient bank account funds were available for every incident outlined in this consumer complaint. 

Bank records are available for review upon request. 

OCWEN LOAN SERVICING, LLC is using the Fair Credit Reporting Act as a crutch/an out/scapegoat to justify their deceitful/deceptive business operations ( See attached " Exhibit D '' and XXXX : XXXX ) which include, but are not limited to, collusion, fraud, negligence and malicious intent against consumers of OCWEN LOAN SERVICING, LLC 's products and services. 

1. I DID NOT and I NEVER cancelled my mortgage payment on XX/XX/XXXX ( see attached file/Exhibit A as well as the Ocwen Payment Receipt and Confirmation electronic document attached ). OCWEN LOAN SERVICING, LLC PAYMENT SYSTEM ( S ) failed to properly process and apply my XX/XX/XXXX payment to my account and kicked it out of their system ( 1ST malicious incident in XX/XX/XXXX ). I received the attached BOGUS email ( attached file name " I NEVER Made A Request To Cancel My Automatic Payment -This Is Fraud and Malicious Intent ... '' ) stating a consumer act that NEVER TOOK PLACE. I resubmitted a payment on XX/XX/XXXX ( See attached file/Exhibit B ) after receiving the attached BOGUS email ( attached and titled " I NEVER Made A Request To Cancel My Automatic Payment -This Is Fraud and Malicious Intent ... '' ) from OCWEN LOAN SERVICING, LLC . 

2. On XX/XX/XXXX, OCWEN LOAN SERVICING, LLC failed to process/apply my 2nd XX/XX/XXXX payment AGAIN on XX/XX/XXXX ( See attached file/Exhibit C ). This time they claimed that I entered the wrong number of digits. I entered the SAME NUMBER of digits that were used as always ( I.e. : See attached file/Exhibit B ) and OCWEN LOAN SERVICING, LLC PAYMENT SYSTEM ( S ) failed to process and apply my XX/XX/XXXX, payment/kicked it out of their system AGAIN ( 2ND malicious incident in XX/XX/XXXX ). 

3. OCWEN LOAN SERVICING, LLC consistently misapplied my bi-weekly mortgage payments throughout the tenure of my loan ( see attached file/Exhibit E ). 

4. OCWEN LOAN SERVICING, LLC sent me " refund '' /suspense payment checks totaling {$1500.00} ( ~ {$500.00} from escrow ) in XX/XX/XXXX that WERE NOT cancelled by OCWEN LOAN SERVICING, LLC 's accounting department which SHOULD HAVE BEEN APPLIED to my mortgage account before my account was closed by OCWEN LOAN SERVICING, LLC .

OCWEN LOAN SERVICING, LLC needs to correct ALL of my, and the joint account holder 's, consumer credit reports TODAY/IMMEDIATELY.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This constitutes a breach under 15 US Code 1681s-2, which outlines the responsibilities of entities providing information to consumer reporting agencies. Their failure to furnish me with a written notice about the account prior to its reporting constitutes a violation. Consequently, I insist on the removal of the account from my credit report, as I contest the debt they assert I owe. 

Moreover, they have infringed upon my rights stipulated in 15 U.S. Code 1681b ( 2 ), governing permissible purposes of consumer reports. This breach occurred through the unauthorized reporting of the account and the improper usage of my social security information. In light of my identity theft victimization, 15 US Code 1681c-2 necessitates the blocking of such data without my explicit written consent. 

Per the guidelines of 15 US Code 1681a ( 4 ), consumer reporting agencies are obligated to uphold my privacy rights. Regrettably, this right has been violated by their public dissemination of my information, an action for which I never granted your organization authorization. 

I demand the immediate deletion of this account from my credit report.
Consumer complaint received 2023-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (TX)

I never opened an account with the company listed below. I asked them to send me information to validate this debt that bears my wet signature and they refused.

By FCRA law, no collection account should have any past dues balances. If they can not produce the documents that validate the debt that they claim within 3 days, I will follow up with a legal suit. Because this is fraud. I asked them to cease and desist from contacting me by phone, by my employer 's phone, and by entering information on my credit report. Please remove it immediately! 
Account info Account name SOURCE RECEIVABLES MNGMN Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$960.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$960.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$960.00} Highest balance - Terms 1 Month On record until XX/XX/XXXX Please remove it immediately!
Consumer complaint received 2023-07-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HILLTOP HOLDINGS, INC (NC)

The whole process took about four months total. A couple of days prior to closing, we were advised that they could not fund the mortgage. We were given conflicting reasons. The final documentation that we received months later showed a completely different reason than given initially. I have recorded calls, trxts and emails proving everything.
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AZ)

Just In the last XXXX years I have been charged over {$500.00} in overdraft fees. I call to get a refund but i only been successful 3 times. Its harassment and there doing it on purpose to make money.
Consumer complaint received 2023-07-25
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: DISCOVER BANK (CA)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2023-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc. (CA)

Complete Credit Solutions reports a collection account on my credit file for XXXX. I did not take out a loan for XXXX. I have tried contacting them to verify the accuracy of the delinquent account numerous times, including requesting copies of my signature for the loan and the company refuses to provide actual documents with my signature and proof that this is my debt. I disputed the account with XXXX, XXXX and XXXX and the account was not removed.
Consumer complaint received 2023-05-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (PA)

Company involved : XXXX XXXX, XXXX, XXXX XXXX XXXX Dates : XX/XX/2022 - XX/XX/2022 Amount : {$6300.00}. 

Apartment is currently being sued for breach of contract by over XXXX tenants. Case number is logged and case is pending trial with XXXX. 

Land lord had multiple health code violations and failed to remediate, law suit takes note of this. Land lord attempted to collect an amount for rent which was not agreed to in the leasing contract. Multiple notices were given that this amount is incorrect. Land lord sent the amount XXXX XXXX. They have reported the incorrect amount to the credit agencies which has damaged my score. 

The Land lord is not owed anything as they were in breach of contract and the amount they are attempting to collect is wholly wrong.