davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (NC)

In XXXX I over paid my escrow by {$500.00}. Village capitol and investments did not return or credit the over payment. I contacted the company several time by phone. Each time I was told that there was a computer problem and that someone would contact me to resolve the problem. I have received letters that are back dated to try and justify the problem. As Of now my {$500.00} escrow overpayment is unaccounted for. I received a letter 3 weeks ago dated XX/XX/XXXX states monthly payment of {$890.00} XXXX XXXX. And My online account states payment {$910.00} due XX/XX/XXXX, XXXX. Every month I am being overcharged and my escrow has no accounting for the missing {$500.00}. Please help bring this corrupt company into compliance. What they are doing is theft! 

XXXX XXXX
Consumer complaint received 2023-05-17
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Credence Resource Management, LLC (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-05-17
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)

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from my credit report : 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 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
Consumer complaint received 2023-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VELO LAW OFFICE (MI)

I paid the debt in full through XXXX XXXX XXXX to XXXX XXXX on XX/XX/XXXX. Velo law group is now asking for more money, and the earliest dated material I see from their documentation is XX/XX/XXXX. 
I have all the documentation available to prove this was paid in full
Consumer complaint received 2024-11-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (WA)

I XXXX XXXX am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent account consist of CK PRIME INVESTMENTS LLC.This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2023-05-17
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: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

business loan was acquired with no personal guarantee strictly business loan against business credit. 
payoff was attempted but was declined. 

XXXX XXXX signed the resolution the very next day and the treasury offered the public new government securities, minus the traditional " payable in XXXX '' clause. HJR XXXX states that one can not demand any certain form of currency that would like to receive if it is dollar for dollar.

31 U.S. Code 3123 - Payment of obligations and interest on the public debt.This letter serves as a formal request for you to immediately clear the debt owed to me in full. According to my records, the amount owed is [ XXXX XXXX ] as of [ Date ]. Despite multiple reminders and notices sent to you, you have failed to make any attempt to repay the outstanding balance, thus causing undue hardship on me. 

As per the 15 U.S. Codes, it is mandatory for you to discharge the debt in full. Under 15 U.S. Code 160XXXX, you are required to provide me with clear and accurate information about the terms of the loan, including the amount borrowed and the repayment schedule. Failure to provide this information is a violation of the Truth in Lending Act. 

Under 15 U.S. Code 1692, you are prohibited from using deceptive or abusive practices to collect a debt. This includes making false statements, calling repeatedly and at unreasonable hours, and threatening legal action without the intention to do so. Your non-payment of the debt and failure to communicate in good faith may be interpreted as a violation of this section. 

I urge you to rectify this situation immediately to comply with the law and ensure that legal action is not required. Otherwise, I will be left with no other option than to pursue legal remedies to recover any outstanding debt under 15 U.S. Code 1692k. Additionally, failure to comply with this notice may result in damage to your credit rating and may negatively affect your personal loan, mortgage, and other financial transactions. 



Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-05-17
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from my credit report : 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 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
Consumer complaint received 2023-05-17
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)

Written disputes mailed certified XX/XX/XXXX. Requesting investigation and proof of debt plus method of investigation following FCRA guidelines. Asked for removal of inaccurate unknown accounts. Disputes closed with no further information nor proof of debt. Inaccurate accounts remain on credit profile. 

Filed online disputes via credit reporting site XX/XX/XXXX. Disputes closed inaccurately and disputed accounts remain.
Consumer complaint received 2023-05-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc. (OK)

I have reached out to the company Consumer Portfolio Services, to work with me because I am stuck in a loan payment I can not afford, especially since my husband 's health has failed. I have tried selling vehicle to get out from under the debt and refinance to lower payment, but the vehicle was sold to me for XXXX dollars more than it is valued. I have been in touch with them and they say they are working with me and making arrangements and then they go and call my family and friends and call me through my work number when I am not not taking their calls. This is very bad customer service tactics.
Consumer complaint received 2023-05-17
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: Bridgecrest Acceptance Corporation (TX)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate/fraudulent account information that remains on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report.I have sent multiple letters to the credit reporting agencies disputing the accuracy of the account information, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims.I have also sent a letter to the creditor disputing the account and demanding the immediate removal of the account from all credit reporting agencies, as well as provided documentation such as a copy of my FTC Report, police report, and other documents allowable by law to support my request to this creditor regarding this error. The creditor has failed to respond to my request. Despite my efforts, the inaccurate / fraudulent account remains on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.
Consumer complaint received 2023-05-17
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. (TN)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate the remaining accounts. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Date Opened : XX/XX/2015 Balance : {$7100.00}, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$3600.00}
Consumer complaint received 2023-05-17
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. (TX)

ON XXXX XXXX, The Consumer Fowarded Transunion a Certified mail dispute Notice having provided these accounts of : XXXX XXXX  .account XXXX XXXX XXXX .account XXXXXXXX XXXX XXXXaccount noXXXX XXXXXXXX XXXX.account XXXX XXXX XXXX.account no. XXXX XXXX XXXX.account no. XXXX XXXX XXXX XXXX.account XXXX & account XXXX XXXX XXXX .account no. XXXX XXXX XXXXaccount XXXX & account no. XXXX XXXX XXXX XXXX from which requesting Transunion to produce authorization via consumer of giving Transunion authorization in writing or in electronic form or other form clearly and conspicuously disclosing his nonpublic information to such third parties ; Transunion was informed to being a financial institution under 15 U.S. Code 6802 ( b ) ( 1 ) ( A ) and as such, financial institution, may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; TRANSUNION has been informed to being a finacial institution held via Federal District Circuit Court ruling citing Transunion LLC v. Federal Trade Commision 295 F.3d 42 ( D.C. Cir. 2002 ) which axiomatically places Transunion within the Gramm-Leach-Bliley Act GLBAs definition of a financial institution and is therefore subject to its rulemaking authority under 15 U.S.C. 6804 ( a ) ( 1 ). Transunion refuses to produce any and all such written / electronically filed authorization from the consumer giving Transunion authority to disclose the aforementioned accounts within such investigative matters and continues to not investigate into the law per such accounts mentioned to remove such accounts that show transactions and experiences between the consumer and the person making the report which are not to be included within the consumers report. See 15 U.S.C. 1681 ( 2 ) ( A ) ( i ).
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I applied and was approved by Capital One for a QuickSilver credit card. The company gave me a hard time proving my identity. I gave them all the documents needed. They took over 2 months with the situation. Capital One finally said they would approve and activate my card if they could get bank to verify my identity over the phone. Capital One rep was not able to get the verification, so I said it's been so much trouble, just cancel the card. They cancelled the card, then the next day a rep called and said they were sorry and let 's get the identity approved. It was successful and I was told I would get the card in the mail. I didn't receive the card and was told that the card was cancelled at my request. This has damaged my credit score and I never received the card. I was told this would be fixed by 4 reps and 2 managers. I spent over 2 months and 9 hrs over phone and internet. I need help with this situation because it's not my fault, it's Capital One and their employees.
Consumer complaint received 2023-05-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (AR)

They call me up to 7 times a day. Starting around XXXX XXXX  up until XXXX XXXX. They leave me a recorded message on the first call then just keep calling. I am at work I am not able to answer the phone they dont even give me a chance to return the message. Today they called me at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and at XXXX XXXX. Some days I get back to back calls makes me not wan na talk to them at all. I pay what I can pay still get these calls.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MO)

My credit report with Experian has an unknown email address and phone number linked to it which causes me to be unable to lock and unlock my account. Person with my drivers license info contacted my bank to verify funds in a specific account
Consumer complaint received 2023-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (FL)

I'm writing this communication because I found an error in my reporting, it's an account that I don't recognize. please I would like to investigate since I don't remember being in a contract or having any relationship with that company. 

The company name is shown as RADIUS GLOBAL SOLUTION, posting a debt of {$430.00} on XX/XX/2023. 

please if any document was seen like I really have a contract or any relationship directly with this company Radius Global Solution I want to have a verification and copy to me. 

sincerely, XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XX/XX/XXXX Lexis NexisXXXX RE XXXX Requesting a Method of Verification Letter To whom it may concern : XXXX has confirmed that Lexis Nexis has verified the accuracy of a reported bankruptcy that is being fraudulently reported on my consumer report without my written authorization. I am requesting proof of this alleged bankruptcy that Lexis Nexis continues to report as accurate and verified to outside credit agencies. This act is not only a violation to the FCRA, but it is also illegal. For this reason, I am requesting deletion of this record. 

I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am certain that the item I disputed is unverifiable and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 

I am very interested to learn how your investigators arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XX/XX/XXXX XXXX XXXX RE XXXX Requesting a Method of Verification Letter To whom it may concern : TransUnion has confirmed that XXXX XXXX has verified the accuracy of a reported bankruptcy that is being fraudulently reported on my consumer report without my written authorization. I am requesting proof of this alleged bankruptcy that XXXX XXXX continues to report as accurate and verified to outside credit agencies. This act is not only a violation to the FCRA, but it is also illegal. For this reason, I am requesting deletion of this record. 

I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am certain that the item I disputed is unverifiable and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 

I am very interested to learn how your investigators arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX