davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Velocity Portfolio Group (LA)

The company Velocity Investments LLC currently representing XXXX has contacted my employer ( XXXX XXXX XXXX ) asking questions about myself through a disposition. This account has been sold to multiple collection agencies throughout the years. I believe the statute of limitations has expired anllowing any further action from a collection agency or firm. I ask that you help cease and desist this firm from contacting myself or my employer. 

Regards, XXXX XXXX
Consumer complaint received 2024-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I disagree with the account listed below which still appears on my credit report. I would like this item immediately re-investigated. I reported that this was not my account due to someone stealing my identity. Your company has yet to provide me with any agreement that I signed or anything that contains my wet signature. The investigation information you provided back was a generic cardholder agreement without any details that were requested. 

The inaccuracies are highly injurious to my credit score TRANSWORLD SYSTEMS INCXXXX XXXX ( account number XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. 

Due to your company 's neglect in verifying someone's identity, it is hurting my ability to obtain credit. TRANSWORLD SYSTEM INC failed to investigate this account properly after I repeatedly asked/disputed information to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the account if you can not provide the agreement with my WET signature and DEFINITIVE proof that I am responsible for this account.
Consumer complaint received 2024-11-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc. (IN)

I am writing to formally dispute the debt ] .I do not recognize this debt or the collection agency, nor have I entered into any agreement with your company. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting validation of this debt. Please provide documented evidence, including the original signed agreement, proving that this debt is valid and that I am responsible for it. If you are unable to verify the debt with such documentation, I demand that this item be removed from my credit report immediately, as required by the FCRA. Failure to provide proper validation of this debt will be considered a violation of my rights under the FCRA, and I will seek its removal from all credit reporting agencies. Thank you for your attention to this matter. I look forward to your prompt response within the timeframe established by law.
Consumer complaint received 2023-05-09
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Consumer Opt-Out XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is being written to dispute the account, which I have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency/creditor on several occasions as well, and they have yet to respond to my dispute, therefore, your company could not have reached them concerning this debt. Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well as verify it's accuracy. If the account can not be verified, your company must delete the account from my credit report. If you can't show proof that you have verified this debt and you continue to list this item on my report, I am prepared to sue your company under the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank (TX)

On XX/XX/scrub>XXXX XXXX  precisely XXXX I spoke with customer service representative XXXX XXXX First Progress ( Synovus Bank ) who state that account number ( XXXX {$72.00} ) ( XXXX {$28.00} ) had been transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC. XXXX. However, this account is reflected to be reported by First Progress even though they are no longer the original debt holder and the account has been charged off and written off. This can not be so, I have reported this issue with both XXXX and XXXX over seven different times yet they have ignored my request as well as a DEBT DISCLOSURE STATEMENT, sent on XX/XX/year> via USPS certified mail XXXX XXXX XXXX XXXX XXXX XXXX ) in which they failed to respond in the 10 days required on the affidavit or provide the requested information. 

On XX/XX/year> at precisely XXXX XXXX  I spoke with XXXX at XXXX XXXX XXXX, who informed me that my balance for account account ending in XXXX was in fact {$72.00} and balance for account ending in XXXX is XXXX, making the information reported to the bureaus inaccuarate, by law all information must be reported correctly and accurately. Also both accounts numbers are reported as XXXX for both accounts, this can not be so this information is incorrect and invalid. 

By law the FCRA requires that industry to report consumer credit information in a fair, timely and accurate manner. The Fair Credit Reporting Act Title VI clearly states that " Companies that provide information to consumer reporting agencies also have specific legal obligations to record with accuracy and to investigate any disputed information. Which both XXXX and XXXX have failed to do. 

I demand that these accounts be removed from my credit report due to the inaccuracy of the debt reporting agency, incorrect balance, and incorrect account number listed. This can not be so. This company is causing me great damages and hardships in my life and will result in a law suit
Consumer complaint received 2024-10-06
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. (IL)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, Texas XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Dear Sir/Madam, The CRAs have a grave responsibility to ensure the accuracy and fairness of my consumer report. Despite multiple dispute attempts the CRA 's continue to incorrectly report inaccurate and misleading information to my consumer report, specifically the listed charged-off account ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX. The account was CLOSED XX/XX/XXXXXXXX  and is actively reporting " last activity '' of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

This information is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is adversely affecting my credit profile. The continued reporting of this account as charged off with a remaining balance is not only inaccurate but also misleading. The Internal Revenue Service ( IRS ) clearly defines a charged-off account as one with no remaining balance, in addition too, becoming TAXABLE INCOME to the consumer. To which I have never received any 1099C. The CRA 's action in reporting this account with a balance constitutes a violation of the FCRA by providing false, misleading, and unverifiable information. 

Furthermore, the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies, such as ( XXXX, XXXX, Equifax ) have a duty to protect consumer information and ensure its accuracy. The CRAs actions in this matter represent a blatant disregard for these regulations. 

By reporting inaccurate and misleading information about me, the CRA 's have caused significant harm to my credit standing, limiting my access to credit and financial opportunities. This is a direct result of their ( XXXX, XXXX, Equifax ) negligence and failure to adhere to the FCRA. 

I demand the immediate deletion of the aforementioned charged-off account from my credit report. Additionally, I reserve the right to pursue all available legal remedies, including but not limited to monetary damages, for the harm caused by the CRAs violations of the FCRA. 

I have attached a copy of my credit report for your reference. I expect a timely response to this dispute, including written confirmation of the accounts deletion from my credit report. 

Thank you for your prompt attention to this matter. 
Best Regards, XXXX XXXX XXXX XXXX ALL RIGHTS RESERVED
Consumer complaint received 2024-11-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (CO)

Sunrise credit is reporting a debt on my consumer report for {$250.00} AND THE ONLY ACCOUNT NUMBERS LISTED ON THE REPORT ARE- ( XXXX XXXX ). This debt has yet to be validated or verified and has been reporting on my consumer report. This is a violation of the FCRA and FDCPA. I HAVE NOT RECIEVED ANY PAPERWORK FOR THIS UNKNOWN INACCURATE DEBT. ( I DEMAND THAT THIS DEBT BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY ) SINCE THIS DEBT IS STILL REPORTING ON MY CONSUMER REPORT, I WILL BE SEEKING FOR DAMAGES UNDER THE FCRA FOR EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING AND THE FDCPA FOR NOT VALIDATING THE DEBT AND NOT VERIFING IT ALSO. I WILL BE TAKING ACTION AGAINST SUNRISE CREDIT IMMEDIATELY WHIN 2 WEEKS OF THIS COMPLAINT. I DO NOT NEED ANY EXPLANATION OF WHY YOU ARE COLLECTING, WHO YOU ARE COLLECTING FOR, IF YOU THINK ITS VALID AND ACCURATE.DELETE THE ACCOUNT IMMEDIATELY OR MY CONSUMER ATTORNEY WILL TALK TO SUNRISE CREDIT BECAUSE YOUR NAME IS ON THE REPORT.
Consumer complaint received 2024-10-06
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. (CA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-07-21
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. (CA)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-06
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX ) XXXX XXXXXXXX Account XXXX is : # XXXX XXXX ) XXXX XXXX XXXX  Account number is : # XXXX XXXX XXXX XXXX XXXX  : Account Number is # XXXX XXXX ) XXXX Account number is # XXXX XXXX XXXX XXXX XXXX XXXX Account number is # XXXX XXXX XXXX XXXX XXXX  Account number is # XXXX XXXX ) XXXX Account number is # XXXX XXXX XXXX XXXX XXXX Account number is # XXXX XXXX XXXX XXXX  Account number is # XXXX XXXX XXXX XXXX XXXX Account number XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number is # XXXX XXXX ) XXXX XXXX Account Number is # XXXX XXXX ) XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXX ) XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX : XXXX XXXX ) XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX : XXXX XXXX ) XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number is : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account number is : XXXX XXXX ) XXXX  Account number is : XXXX XXXX ) XXXX  Account Number is : XXXX XXXX ) XXXX  Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX  Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX XXXX ) XXXX Account Number is : XXXX has 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 States : 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.

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.
Consumer complaint received 2024-11-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (NV)

Noticed XX/XX/XXXX statement showed a balance of {$7000.00} ( 10.75 % ) and a monthly payment of {$480.00}. We called XX/XX/XXXX to ask for the payment to be corrected as the amount is not correct and reflects what we paid when we had a balance of over {$80000.00}. We were told it was delayed because the mortgage was transferred and we would get an itemized bill. Called back on XX/XX/XXXX and spoke to another representative who agreed the payment was wrong and escalated it. Called XX/XX/XXXX to follow up. Called XX/XX/XXXX because we told there would be a resolution and was told they re escalated it. Called XX/XX/XXXX to follow up again because there was no change reflecting on the portal and was told XXXX it should be resolved. Checked today with no resolution.
Consumer complaint received 2024-11-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (GA)

On XX/XX/year> after making three initial deposits of {$1700.00} ... {$600.00} ... and {$500.00} from my debit card that was linked to my Robinhood account, Robinhood Market Inc sent me an email stating that my account would be temporarily restricted due to unusual activity. I was able to speak with a representative who advised me to verify my identification through a link sent to my email and I responded and asked her if it was okay to complete the process while she waited on the line. I included my driver license front and back, my pdf bank statement which showed several transactions for the month of XXXX including my same debit card with transactions from previous purchases with the last XXXX digits visible. She ensured me that she could and walked through the process and acknowledged that all verification was received and completed at this time. The representative also stated she did recognize the debit card transactions as being the same card on my account. I responded by asking if she needed a visual of the card with my full name on it in which she declined. On XX/XX/year> I attempted to withdraw my funds back to the same debit card in the amount of XXXX with a transfer fee of XXXX as it was unsuccessful, XXXX emailed me stating the account would be closing. Since the email I have been unable to speak with a rep directly. I have been receiving several generated automated messaged requesting the same documents with no resolution or no efforts to allow me to withdraw my funds.
Consumer complaint received 2024-09-18
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 Experian 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 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.

Experian 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 1002 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 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NV)

Dear CFPB Team, This is a formal follow-up to my ongoing complaints against XXXX ( Complaint Numbers : XXXX and XXXX ). Despite multiple submissions of extensive documentation, including FTC Identity Theft Reports and deletion letters from the original creditors, XXXX continues to demonstrate a pattern of malicious non-compliance and intentional misrepresentation. Their actions reflect clear violations of the Fair Credit Reporting Act ( FCRA ) and FTC identity theft protections. 

Key Issues Highlighting XXXXs Malicious Intent : 1. False Certification Claims by XXXX : XXXX has repeatedly asserted that the disputed accounts have been certified as accurate by the original creditors. This is a blatantly false claim. The original creditors have already deleted the accounts, acknowledging their fraudulent nature after thorough reviews. I did not request certification ; I requested transaction histories and account-opening documents. The fact that XXXX is using false certification claims demonstrates their intent to mislead both me and the CFPB. 



2. Failure to Provide Legally Required Documentation : Despite numerous requests, XXXX has failed to provide the transaction histories and account-opening documents necessary to substantiate the legitimacy of these accounts. I am fully aware that these documents will not be provided, as the creditors themselves have already chosen to delete the accounts rather than conduct a further in-depth investigation. XXXX refusal to act on this and their continued reporting of these fraudulent accounts shows a clear lack of transparency and a deliberate attempt to evade responsibility. 



3XXXX XXXX  Continued Violation of Identity Theft Protections : Under the FCRA and FTC identity theft protections, XXXX is obligated to block or delete accounts proven to be fraudulent. I have provided FTC Identity Theft Reports, deletion letters from creditors, and proof of identity, yet XXXX has continued to act in bad faith by refusing to delete these accounts. This ongoing refusal represents a clear failure to comply with federal law and demonstrates malicious intent in their handling of my case. 



4. Intentional Misrepresentation and Delay Tactics : XXXX continued use of false certification claims, combined with their failure to act on the identity theft documentation and creditor deletion letters I have submitted, clearly indicates an effort to delay and mislead. This behavior is not just negligent ; it is intentional and systemic. Even if XXXX ultimately deletes the accounts, their lack of transparency, dishonesty, and repeated misrepresentation raise serious concerns about their compliance with consumer protection laws and warrant immediate investigation.