davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (MD)

I am filing this complaint against Velocity Investments LLC regarding unsubstantiated collection attempts tied to an alleged debt with account numbers XXXX, which they claim to have acquired from XXXX XXXX XXXX . Additionally, this complaint includes XXXXXXXX XXXX XXXX XXXX XXXX, a separate collection agency involved in these attempts. Despite repeated requests, neither Velocity Investments LLC nor XXXX, XXXX XXXX XXXX XXXX, or previous collectors have provided documentation to substantiate their claim or verify the alleged debts legitimacy or validity.

For clarity, I have not acknowledged the existence, accuracy, or validity of this alleged debt and expressly deny any liability for it. I have, however, requested that these agencies provide : Documentation demonstrating Velocity Investments LLCs or XXXX XXXX XXXX XXXX XXXX  claimed ownership of the alleged debt ; A copy of any original agreement with XXXX XXXX XXXX  purportedly associated with this alleged debt, which would demonstrate any obligations claimed ; and A verification of the amount they claim is owed, including a full breakdown of any fees, interest, or penalties allegedly accrued.

Despite these legally valid and reasonable requests, no such documentation has been provided by either Velocity Investments LLC or XXXX XXXX XXXX XXXX XXXX XXXX. This failure to provide verification violates the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Act ( CFPA ), both of which require debt collectors to validate a debt upon the consumers request.

I further assert that these repeated collection attempts, absent substantiation, constitute harassment and misrepresentation, resulting in unnecessary distress and confusion. Without clear documentation, I am unable to confirm or assess the legitimacy of the alleged debt, and it remains, in my view, unsubstantiated.

I respectfully request that the CFPB investigate this matter to ensure that all debt collection practices by Velocity Investments LLC and XXXX XXXX XXXX XXXX XXXX comply with federal laws. I further request that these agencies cease all collection activities concerning this alleged debt until they provide the requested documentation verifying its existence, ownership, and validity.

Thank you for your attention to this matter. I look forward to a resolution that protects my rights as a consumer under federal law.
Consumer complaint received 2024-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (UT)

In XXXXXXXX XXXX XXXX, I notified the company that I will be paying off the loan in XXXX and asked not to disburse property taxes as I wanted to pay them myself. Immediately after I received a letter saying that they don't have a copy of my insurance. I've uploaded a copy of the insurance and have an email confirming the upload. Yet in XXXX they've placed lender insurance in amount of {$4800.00}. I noticed it when I went to pay off the loan on XX/XX/XXXX. I've called and talked to their representative and he said that they did have my insurance for XXXX, but were missing insurance for XXXX and XXXX. So I've emailed them copies of that insurance together with copies of invoices and receipts and have received a letter dated XX/XX/XXXX that they will cancel lender placed insurance. Originally the guy said I will receive the refund within a week, but when I didn't get the money and started calling every other day, they told me that it might take up to 15 business days. On XX/XX/XXXX I finally asked to talk to the supervisor. The supervisor said that they don't have my policy for XXXX. So I've emailed him all of the policies together XXXX. He said I will get the refund this week. On XX/XX/XXXX, I got a partial refund XXXX, but not the full amount. When I called again, the representative said that I need to wait 15 business days from XX/XX/XXXX to receive the refund and couldn't tell me why they didn't refund the full amount.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Freedom Mortgage Company (GA)

I am writing to formally submit a complaint against freedom mortgage for the following reasons : 1. Freedom mortgage has an accurately reported a foreclosure on my home which is a fraudulent foreclosure due to a defecation or a separation of my promissory note and title both are supposed to be held at the county clerk 's office in XXXX XXXX and there is no promissory note attached to the title so this makes it a separation which is illegal and is fraudulent and makes the mortgage know and void.

2. I also want to report a breach of contract with freedom mortgage in regards to my security deed I attempted to resend my security deed because I never gave freedom mortgage consent or consent to my securities interest so this is also security fraud I attempted several times to resend my security deed contract again I never gave freedom mortgage consent or provided a gift of convenience to my security interest.

3. Freedom mortgage Bank has reported inaccurate information regarding my account to the XXXX credit reporting agencies. This misinformation has adversely affected my credit score and financial standing.

4.misuse of Federal reserve loans I'm concerned that freedom mortgage may be abusing loans obtained from the federal reserve XXXX It appears that these funds are not being utilized in a manner consistent with the ethical banking practices, particularly in relationship to my account.

5. I also want to report abusive insurance policy ; the bank charged me while collecting on the insurance policy that was supposed to ensure my account this practice appears to be abuse of insurance coverage and has resulted in additional financial burden on my part.
Consumer complaint received 2023-04-04
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. (CA)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a XXXX form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX BANK XXXX ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXX - XXXX XXXX XXXX # : XXXX ACCOUNT NAME : XXXX, XXXX. 
ACCOUNT # : XXXX
Consumer complaint received 2023-07-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (FL)

Transworld systems has been trying to collect an invalid debt. I asked for validation of the debt aside from the wrong information they're using to validate the debt they didn't send me the letter within the 30 day period. This invalidates the debt and allows me to collect {$1000.00} from them. I sent the letter asking for debt validation via certified mail with return proof. I sent to their headquarters and where they told me to send it. They signed for it on XXXX/XXXX/23. The letter they wrote validating the debt is labeled XX/XX/23. The letter I sent where to send it too they have a stamp that says " XXXX XXXX '' which they put in the date of delivery. I'm not sure what day XXXX XXXXXXXX days but it's over 30 days. 

So the validation was wrong and they broke the law by not responding in 30 days and I don't know if it's legal to use a stamp to sign for certified mail and not fill in the day you received the letter. Also the debt validation has wrong information it says XXXX XXXX was my referring physician. This is wrong and I will be googling and telling him that he is being used by a debt collection company to justify a debt. Also there's minimal information on the actual validation. It's riddled with blank spots. The original creditor XXXX XXXX should be investigated for insurance fraud XXXX XXXX did not refer me to them.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I sent a complaint through the CFPB after Chex Systems repeatedly denied me access to complete a dispute online through their website. After my dispute through the CFPB, Chex Systems replied that XXXX. Our records indicate that ChexSystems has not received communication directly from you regarding this dispute XXXX. ChexSystems has received the copy of the documentation you provided with your complaint. The document does not clearly support the claim of identity theft or fraud relative to information in the consumer file at ChexSystems for the following reason ( XXXX ) : The documentation you provided is not signed by a law enforcement XXXX. 

The fact is, these are both completely false/irrelevant reasons to try and deny my dispute. 
My FTC is a affidavit which meets the requirement stated under 605b 15 u.s.c. 1681c-2.

Here is the definition of an identity theft report : identity theft report ( 4 ) Identity theft report. The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. 

Now, if ChexSystems continuously violates my rights and refuses to remove the requested items, items that are the result of IDENTITY THEFT, i WILL pursue litigation. Thank you.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: T.S. Holdings (FL)

This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 1. 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impat the accuracy of my credit report. 2. 15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies. 3. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed. I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report. Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio put a {$9000.00}. hold on my back account, then I was given some law office to call. Called they said they transferred it somewhere else. Called them and they said they were adding more money charges. Wrote the dispute letter. Have them 30 days. I get a letter back XX/XX/year> from law office saying they transferred it back to portfolio. Now 3 months down the road. The hold increased {$1600.00}. I find out there is a judgement against me when I never was served. But was charged for processing services. That was 9 years ago. Not one word in all this time. Now Im trying to pay but with the hold on bank account XXXX dont have the money. Its all on hold plus some.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 
( XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Date opened XX/XX/2020 Balance {$0.00} )
Consumer complaint received 2024-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (AR)

I applied for and got approved for an Aspire credit card in XX/XX/year>. I NEVER activated this card. I received a notification that a minimum payment of {$25.00} was due on XX/XX/year>. On XX/XX/year>XXXX  I called and spoke with a representative that told me the annual fee was already applied to the account even though it was never activated or being used by me. I explained that I never activated the card and no longer wanted the card. The representative told me it did not matter and the payment was still due. The account was not closed even after my request to close it.
Consumer complaint received 2024-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (VT)

Mortgage servicer New Rez continually has billed my account with lender placed insurance, even though I have had consistently and without lapse, coverage through my insurance carrier, XXXX. 
Often times the monthly charge is over {$900.00}, typically per month it is over {$200.00}. 

I have emailed and reached out to them numerous times and provided proof of coverage to no avail. See attached supporting documents.
Consumer complaint received 2023-04-04
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 — Investigation took more than 30 days
Company: LD Holdings Group, LLC (FL)

Loan Depot Mortgage was paid electrically on time every month, including my XXXX & XX/XX/2021 payments. LD then returned these payments about 10 days after receipt. LD says my XX/XX/2021 payment was not received on time so they destroyed my credit. My XXXX  XXXX XXXX faxed LD 2 official payment transmittals which clearly documented my timely payments, yet LD still refuses to remove the late payment from my account. After contacting all 3 credit agencies and submitting the payment transmittals to them the 3 credit agencies will not remove the late payment either. I then sent credit agencies a letter from Loan Depot in which LD confirms they received my payment on time but LD and the 3 credit agencies all refuse to correct my account 's payment history. I've spent over 50 hours trying to resolve and filed numerous complaints with LD and the 3 credit agencies and they still refuse to acknowledge my payment was timely and have refused to restore my credit. I have uploaded all supporting documentation which unequivocally proves all my payments were on time.
Consumer complaint received 2024-10-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Service Company, INC (TX)

XXXX XXXX provided service for XXXX Dues were paid amount of {$80.00} thru my company 's health account. Credit Service Company, XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX sending me notices for dues which already paid to provider.
Consumer complaint received 2024-10-25
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: 21ST MORTGAGE CORP. (MN)

Called to see if I could do modification as I had called previously with no return call. Once I spoke with them they said if I was a couple months past due they could possible do something hence I owe for XXXX and XXXX and XXXX but it is not due 30 days past due. They said that do not offer modifications. If they do not offer them then why tell someone to call in to discuss work out options. They new status of the account before telling me to call in. I was requesting modification or take past due and possibly include lot rent past due and allow me to make the additional payment over 12 months. Nothing offered. I was out of work from XXXX and am working to get caught up on all bills. how are you supposed to get caught on bills when they are willing to work with you. I pay a {$500.00} so I know {$1500.00} would include XXXX not sure where the other {$300.00} is coming from as the {$500.00} includes late fees and I have not been informed of any legal fees. also got a different job and took a {$12.00} an hour pay cut with no overtime, bonus or etc.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

I have been having issues with Equifax since XX/XX/XXXX with obtaining a copy of my credit report and updated score. Any Lender, Creditor, and Myself are not able to pull a copy of my credit report with score. For Example, XXXX XXXX XXXX says my report is blocked. XXXX says " No information found on credit file " When i login to my Equifax account it displays no accounts, no names, no updated credit score. I have called Equifax numerous times after times with no results, but resulting into runaround. A case was opened to supposedly fix the issue. Still not fixed. That case # was XXXX. Some lenders says I have no credit. I have attached a copy of my summary from Equifax from XX/XX/XXXX that displays which is now outdated inaccurate information now as its now XX/XX/XXXX as there have been new accounts, new limits, and or different creditors. XX/XX/XXXX says Blocked for Promotional Purposes. On XX/XX/XXXX Credit file status says No Indicator on file. Also, that summary shows absolutely no accounts, no credit at all. I expect this to be corrected and updated immediately. I have put up with this for 6 months now with no results.
Consumer complaint received 2024-10-24
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I did not receive a XXXX statement and when I logged in I saw I was charged a late fee. I immediately paid the balance minus the late fee and asked for the agent to remove the late fee as a courtesy they only offered to reduce it but not remove it. Now they have charged me another late fee after I closed the account. I called again and asked if they would remove the late fee and they say they can not since it is a closed account but they will continue to charge me more fees.
Consumer complaint received 2024-10-24
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (OH)

I purchased a vehicle from XXXX XXXX and had it financed through XXXX XXXX. The payment process has been very painful. I enabled automatic payments. They didn't go through. Now they have me using an automated phone payment through a third party. I think it's to avoid liability for this.

It goes like this : Does your account number start with 1?

Yes or No Please enter your account number.

Please enter your billing zipcode.

Sorry that was an invalid input.

[ Loops 3 times ] [ Disconnects ] I am unable to make payments. Their help line just redirects me to the same thing. Unable to make contact with a human. I feel this is predatory and trying to make me default on the loan.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

On XXXX XX/XX/2022, I noticed there was a deragatory item on my credit report from American Honda Finance ( account # XXXX ). I reached out to the company stating my extraordinary life events and that this missed payment is most likely a result from the Information technology of America Honda finance not working efficiency from my attempt to do automatic payments. The company denied my request to remove the item from my credit report ignoring the sensitive situation of me being a XXXX XXXX service member working under stressful situations testing covid samples in dense areas, and that I am in contract to close on a home in a few weeks and this could potentially affect this. 

I have attached the the documents I have sent the company to resolve the issue.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}