davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Financial Business and Consumer Solutions. (MO)

A company called Financial Business and Consumer Solutions , Inc. is attempting to collect a medical debt from me. My personal information including social security number, and medical records were accessed by unauthorized persons from XXXX through XXXX. This disclosure of my personal information has led to a flood of recent attempts to access my other online information leading me spend weeks changing passwords, and sorting through fishing emails and text messages. I wasn't notified of the breach and my stolen data being in the wild until late XXXX, XXXX moths later.
Consumer complaint received 2024-07-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (TX)

XX/XX/year>, I purchased with my debit card a room at XXXX XXXX. It required at {$35.00} deposit. XX/XX/year>, I checked out of my room the clerk immediately gave me my deposit back to my debit card. I checked my card later in the day and the deposit has still not arrived. I called Cash app and they told me that the motel did not send the money. I asked them to give me a itemized list of my transactions with my debit card. From XX/XX/XXXX to XX/XX/XXXX. Instead they gave me my last month 's statement. So I called the motel they gave me a receipt that showed the refund was released to my debit card when I left the motel. I proceeded to call Cash app and they told me that the funds had not been sent by the motel. I then emailed them a receipt from XXXX XXXX while I was on the phone with the operator and the operator put me on hold to check the receipt. The operator then told me that the funds were processing. They also told me that the receipt that I sent was a photocopy and it was a PDF. They are running me in a circle to hold on to my funds which was considered a cash transaction from the motel to my debit card. When I go to XXXX and I hand them cash money, my money immediately hits my debit card with cash app. When I paid for my room that was considered a cash transfer from an online service. That is the reason XXXX XXXX refunded my money immediately. This is not an extension of credit, this is cash that is transferred to a digital wallet. I spoke to a supervisor and they reviewed my complaint noting that I had a receipt. They could have easily typed a few numbers in and confirmed immediately a cash deposit was sent from XXXX XXXX to my debit card, like they do when I put cash on at any location that accepts it. The only reason my money is being held is to increase their digital worth and I am a double amputee that has limited money/resources and they are taking advantage of me. All of my conversations were recorded by their system.
Consumer complaint received 2017-06-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Atlantic Credit & Finance, Inc. (FL)

There 's an old, unsecured line of credit I took out with XXXX XXXX XXXX / XXXX back in 2005. The original amount was {$7500.00} and I made payments periodically - but not always on time due to difficult financial circumstances. In total, I probably made {$2000.00} in payments over time. But, I 've been un / underemployed for most of the last 13 years and have struggled to simply make ends meet - much less make progress towards old debts. I have never filed for bankruptcy, nor do I intend to. <P/>That debt was written off by XXXX / XXXX and the right to collect the debt was purchased for pennies on the dollar by Atlantic Credit & Finance. Atlantic Credit & Finance is somehow partnered up with a law firm called XXXX XXXX out of XXXX, FL. <P/>They sought a legal judgment against me without properly without giving me proper notice and secured said judgment and had a lien imposed on my personal checking account. Now, any money that goes into that account will be garnished. I never had a hearing or opportunity to tell my side of the story to a judge or magistrate - although I am in the process of filing for such a hearing. <P/>The judgment and the lien are for over {$9000.00} - although I know they bought the debt for only a fraction of the original {$7500.00} debt. This is wrong!! The interest / charges are criminal given the fact they bought the debt for pennies on the dollar.
Consumer complaint received 2023-06-08
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$770.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : - Bankruptcy XXXX XXXXXXXX Filed on XXXX XXXX XXXX Reference number : XXXX Court : XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (GA)

Dear CFPB, I am writing to file a formal complaint against XXXX and Fortiva regarding a series of issues that have negatively impacted my financial standing and credit report. 

Background of the Issue : I was forced into a loan agreement with Fortiva by XXXX as part of a transaction for services/products. Despite my clear reluctance and objections, I was pressured into accepting this loan. Subsequently, I set up autopay for my Fortiva account to ensure timely payments. 

Details of the Complaint : Forced Loan Agreement : I was coerced into a loan agreement with Fortiva by XXXX under conditions that were not fully transparent or fair. I believe this practice to be unethical and potentially illegal. 

XXXX XXXX XXXX : Despite having set up autopay for my Fortiva account, a technical error on their part resulted in a missed payment. This error was entirely outside of my control. 

Incorrect XXXX XXXX XXXX : As a result of the technical error, Fortiva has reported a late payment to the credit reporting agencies. I do not have any outstanding balance with Fortiva, and this late payment is incorrect and unjustified. 

Violation of XXXX XXXX XXXX Standards : The reported late payment by Fortiva does not comply with XXXX XXXX reporting standards, which mandate accurate, complete, and verifiable information. This incorrect reporting is damaging my XXXX XXXX and overall creditworthiness. 

Actions Requested : I request a thorough investigation into the forced loan agreement initiated by XXXX and the subsequent handling of my account by Fortiva. 

I seek the immediate removal of the incorrect late payment from my credit report by Fortiva. 

I request that Fortiva be held accountable for their technical error and for reporting inaccurate information to the credit reporting agencies. 

I urge the CFPB to enforce compliance with XXXX XXXX reporting standards to ensure that no other consumers are adversely affected by similar practices. 


Thank you for your prompt attention to this matter. I look forward to your assistance in resolving these issues and correcting the inaccuracies on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (MI)

I sent an email on XX/XX/year> to Credit Control ( third-party debt collection for XXXX XXXX  XXXX XXXX XXXX XXXX  from my email for a debt validation. I received an automated response to say to allow 30 days. l, which is fine because I asked for 30 days to receive this information. 

I have not received any response as I have requested. They have my email and address on file and they have not sent me anything regarding the debt validation so I can review my records. I believe they violate the Fair Debt Collection Practices Act. 

In addition, I believe someone has tried to contact a relative and not me, which is against the rules because the email states after I submitted a validation letter, Credit Control or our client will mail the validation to the current address we have on file. Collection activity on your account has been placed on hold and will only continue after verification has been sent to you.
Consumer complaint received 2018-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (MA)

I notified the credit card company on XX/XX/18 that I did not initiate the following charges on my card : XX/XX/18 XXXX XXXX XXXX CA {$570.00}, XX/XX/18 XXXX XXXX XXXX CO XXXX, XX/XX/18 XXXX XXXX XXXX/XXXX # CA XXXX, XX/XX/18 XXXX XXXX XXXX FL XXXX.

First of all, I have never used XXXX  for any purchases I have made. And secondly, I am XXXX years old and do not use XXXX.

They are saying they researched these purchases and I did make the XXXX purchase.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with XXXX  XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I pulled my consumer report in XXXX and seen a collection account. The original lender has zero grounds to collect a balance from me as it was dismissed by the XXXX XXXX XXXX. I also have provided the courts official paperwork for the dismissal. Also in accordance to the FCRA law, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Hence, I am notifying the credit bureaus that this information provided is inaccurate and needs to be removed immediately.

Also in accordance with the FCRA, USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 

Hence, the credit bureaus do not have no " authority '' to report an adverse item in general and even with when inaccurate. These are both violations.
Consumer complaint received 2021-03-08
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. (KS)

I requested an investigation into the process of their investigation and they used a stall tactic saying my request was not specific. I am filing this complaint with the company name and account numbers provided.
Consumer complaint received 2024-07-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (CA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (TX)

I went to go check my credit report and seen thees inquiries that are unknown unverified and requested them to be removed. the collectors are stating that they are verified section 609 I am requesting to see the proof of the verification. The presence of incorrect, unknown, and unverified information on my credit report is a defamation to my character and reputation. I request that these inaccuracies be removed immediately to prevent further harm to my creditworthiness and personal integrity.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: REGIONS FINANCIAL CORPORATION (FL)

A purchase made with XXXX had XXXX deliveries. XXXX were received. XXXX shipment was never received total {$170.00}. XXXX made XX/XX/year>. I should be protected for this purchase. I contacted Regions and XXXX. Shipment message said the package was left at front door. I live in high rise building with XXXX concierge service. The other XXXX shipments in this order were received and signed by employee at front desk. There is no evidence of this delivery. I requested a credit for this shipment or redeliver the items. Neither were done. My credit card should protect my purchase.
Consumer complaint received 2017-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

My mortgage with OCWEN Loan Servicing, LLC was paid off XX/XX/XXXX. OCWEN claims a check for the escrow balance was mailed to my home address on XX/XX/XXXX. As of XX/XX/XXXX, I have not received the check. I have called the OCWEN customer service number several times, and all they tell me is the check was mailed XX/XX/XXXX. I 'm attaching a letter from OCWEN that documents that claim. I have always received monthly OCWEN mortgage statements sent to my home address, and yet my escrow balance check has not arrived after 21 calendar days. I live in the same state ( Florida ) as the OCWEN headquarters, so 21 days is more than enough time for the check to arrive through the postal system. I suspect that even though OCWEN 's financial system may indicate the check was mailed, it never was. Had the check actually been mailed, I 'm confident I would have received it. <P/>I understand CFPB has filed suit against OCWEN. Please feel free to contact me as I would be happy to relate the other problems I 've had with OCWEN.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OR)

I am a natural Person, I am a living XXXX XXXX. I have rights under 15 U.S.C 1681. 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.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (CA)

My girlfriend, XXXX XXXX, had a Target credit card. We were planning to get married, so she added me as an authorized user. Unfortunately, before we could truly start planning our wedding, she was diagnosed with XXXX and died within 2 months. I never used this Target credit card. I don't know how long she had the Target credit card but I'm sure she used it regularly. I did not give Target the authorization to add this account to my credit. Target added this account to my credit after XXXX passed away in an attempt to collect her debt from me. 

Additionally, I filed XXXX XXXX Bankruptcy and received a discharge on XX/XX/year>. I included this account in my bankruptcy. Target has refused to remove this account from my record and instead lists the status as charged off. 

Target 's reporting of this false account on my credit reports is causing me to be unable to rent an apartment. I have been denied several times due to this account. I have continued to dispute the account but Target refuses to update the status. 

The harm to me is ongoing. I believe I should receive damages due to the refusal of Target to abide by credit reporting guidelines and the significant harm this is causing me.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I reviewed my consumer reports and I noticed that I had one late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with the maximum accuracy. I have never been late on payments for this account that I have included a screenshot inside this complaint in on dates of ( XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact that i was never late. Thank! Please see screenshot attached
Consumer complaint received 2017-06-25
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. (ND)

I am a victim of identity theft and have been a victim of identity theft for over 11 years. There are 2 credit card accounts and 3 credit inquiries listed on my XXXX XXXX, Equifax and XXXX credit report that are fraudulent, unauthorized and do n't belong to me. The following credit card accounts and credit inquiries are fraudulent and unauthorized : XXXX XXXX XXXX/XXXX, XX/XX/XXXX, balance {$1500.00}, XXXX XXXX : XXXX, XX/XX/XXXX, balance {$1000.00}, The following credit inquiries are fraudulent and unauthorized : XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX,XX/XX/XXXX