davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
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. (LA)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I make my application and they promise to get my refinance my home. they charge me {$500.00} but they never get my loan ... I called many times but they do not return my phone call.. I make my application over 2 months ago ... I request my {$500.00} refund but what i said before they don't return phone calls. 
First they offer me a loan for XXXX and then they modified to XXXX. I'm Agree all conditions but they never get my loan. 

Here is the name of the company ; AmeriSave Mortgage Corporation XXXX ID # XXXX Agent XXXX XXXX XXXX XXXX XXXX Loan Originator XXXX ID # XXXX
Consumer complaint received 2020-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX LVNV FUNDING LLC Last reported XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from
identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has re sulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection
with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter  very serious LVNV FUNDING LLC Last reported XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts  Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2020-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (PA)

To Whom it May Concern : This Complaint concerns Receivables Management Systems, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX. A XXXX XXXX was already supplied to these people three times. Per the Fair Credit Reporting Act, upon their receipt of this Affidavit, they were supposed to cause the removal of this alleged account from my credit report. They have already failed to do so, and thus have already violated the Fair Credit Reporting Act.

Even if this account were legitimate which it is not - please make note of the balance they have reported to XXXX   as to this  alleged debt from XX/XX/XXXX to present, namely : Date Balance Change XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$250.00} About 13.2 % Annual Interest XX/XX/XXXX {$250.00} About 13.2 % Annual Interest XX/XX/XXXX {$260.00} About 13.2 % Annual Interest XX/XX/XXXX {$260.00} About 13.2 % Annual Interest XX/XX/XXXX {$260.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} {$37.00} reduction, no payment made XX/XX/XXXX {$230.00} About 10.7 % Annual Interest XX/XX/XXXX {$230.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest Per my XXXX   credit reports from XX/XX/XXXX to XX/XX/XXXX, they appear to have been charging an approximate average of 13.2 % annual interest on this alleged debt. No contract exists where I authorized such interest on any such alleged debt. 

Per my XXXX credit report on XX/XX/XXXX ( see enclosed ),  for no apparent reason, they appear to have made a {$37.00} reduction in my alleged balance. I made no payment. 

And then, per my XXXX  credit reports from XX/XX/XXXX to present, they appear to be this time charging an approximate average of 10.7 % annual interest on this alleged debt. No contract exists where I authorized this amount of interest either. 

Their credit reporting simply can not be accurate, even if this account were legitimate. 

I am requesting that this fraudulent and inaccurate account be deleted from my credit immediately. 

Thank you for your time and attention to this matter, and I remain Very truly yours, /s/ XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Onity Group Inc. (NY)

I purchased a home in XX/XX/XXXX. PHH Mortgage was mortgage holder for prev owner. However, PHH Mortgage is still attempting to collect a debt on my property owed by prev owner. They are consistently sending bills and sending a man to my home on a monthly basis to " inspect '' my home. He is trespassing by going into my yard, driveway, porch and taking multiple pictures of my home. I am outraged that I have this strange man consistently coming on my property violating my privacy and taking pictures. I am at the point where I am going to reach out to law enforcement and provide this man 's photo and license plate for trespassing. The first time I caught this man on my property was XX/XX/XXXX when I saw him on my doorbell camera, I was extremely upset and concerned to see a man lurking around my home taking pictures especially since I have children. He never knocked or rang doorbell and by time I got outside he sped off and I was able to take a pic of his vehicle. Later my neighbors mentioned this is not the first time they have seen this strange man. The following month he returned again. I determined that it was related to PHH Mortgage 's inspection process so when I received an unsealed envelope with a mortgage statement inside I called XXXX on XX/XX/XXXX and spoke w XXXX ID # XXXX. I explained my concerns, and I was assured he would forward the information that I am the new owner for several years. I also advised him owner information is public and he could find it on the city and county website. I hung up with the promise that this would be stopped and he provided a phone number XXXX XXXX. On XXXX the man returned so I made another call to XXXX, and XXXX and spoke with XXXX ID # XXXX. I advised I spoke to XXXX he said that he knew him and that he and XXXX were both supervisors. I spent about 1 hour on the phone again and was reassured and promised this would not happen again. The same man returned today XX/XX/XXXX! I need this to stop immediately!
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I haven't moved in 15 years and own my condo. So last month XXXX student loan contacted me about payment due. Then they then stated the address they have on file is XXXX I never lived at before!! Oddly I worked on that block over XXXX years ago. This is shocking and unbelievable they invented a new address and reported this misinformation to the credit bureaus! And XXXX is refusing to correct this false information having a negative impact on my credit report.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX  DETERMINED I WAS LATE ON STUDENT LOANS IN XX/XX/2020. I'VE PAID XXXX  FOR OVER 10 YEARS ON TIME WITH AUTO MATIC DRAFT FROM MY ACCOUNT WHICH HOLDS OVER $ 30K. I DID NOT RECIEVE ANY NOTIFICATIONS ABOUT DELIQUENCY FROM XXXX  PRIOR TO HITTING MY CREDIT.

HAPPY TO PROVIDE PROOF. 

XXXX Summary as of XXXX Beginning balance Deposits and other additions Checks and other deductions Ending balance XXXX
Consumer complaint received 2020-09-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BBVA FINANCIAL CORPORATION (TX)

I refinanced my mortgage, original loan was with BBVA, new lender is XXXX. 

On XX/XX/2020 a payment was received by lender BBVA USA covering the total payoff amount to that day : {$250000.00}. 

Although payoff had been made, on the same day, XX/XX/2020, BBVA 's automatic payment system pulled the monthly XXXX payment for my BBVA mortgage in the amount of {$2300.00}. 

After I learned that such monthly payment had been made even if payoff had been performed, I called BBVA and after explaining the situation I was assured that I was going to receive a reimbursement of that monthly ( XXXX ) payment made in the amount of {$2300.00}. They mentioned that it should receive my reimbursement along with the one of my escrow account ( {$8200.00} ) in around 20 business days. Thus, I was expecting to get my {$8200.00} ( balance escrow account ) + {$2300.00} for a total of {$10000.00}. 

Although they had no reason to keep my money I waited for it thinking it is a standard process ( where they profit from their client 's money even if they have no reason to withhold payment ). 

Today, XX/XX/2020, I received an envelope from BBVA with a check in the amount of {$9800.00} ; only the check, NO EXPLANATION AT ALL, failing to comply with their duty of good faith, along other obligations. 

After calling BBVA to ask why I was not receiving my {$10000.00}, the BBVA employee explained that BBVA applied the monthly XXXX payment before calculating the payoff, EVEN WHEN PAYOFF WAS MADE BEFORE ON THE SAME DAY, and when previously another employee of BBVA had assured me that BBVA was going to reimburse fully the " XXXX '' monthly payment. Basically I should have received {$10000.00}, instead I received {$9800.00}.
Consumer complaint received 2022-11-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Velocity Portfolio Group (GA)

Acompanynamed CKS PRIME INVESTMENTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX is reporting {$990.00} from XXXX XXXX  which was written off during my bankruptcy apparentlythey sold this to a third partyXXXX XXXX XXXX is under investigation for their action by the FDIC.
Consumer complaint received 2021-02-06
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. (GA)

I recently sent letters to all 3 credit bureaus on XX/XX/XXXX regarding inaccurate and unknown information on my credit report. I began sending letters to these companies back in XX/XX/XXXX and it's been 85 days with no resolution from them. Again, I feel like my disputes are being ignored and I'm still being taken advantage of. Based on the FDCPA, 15 U.S.C. 1692e Section 807 ( 2 ) " The false representation of ( A ) the character, amount, or legal status of any debt. '' I demand that these accounts be promptly deleted because I am prepared to file for litigation due to the continuous stress you've caused me. As a courtesy I have listed the inaccurate accounts in question below : Transunion, XXXX  and XXXX Credit Files 1. XXXXXXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX  Transunion and XXXX Credit Files 4. XXXX 5. XXXX XXXX XXXX  and XXXX Credit Files 6. XXXX XXXXXXXX XXXX 7. XXXX XXXX XXXX Credit File 8. XXXX XXXX XXXX XXXX  Credit File 9. U S DEPARTMENT OF EDU XXXX Transunion Credit File 10. XXXX XXXX XXXX XXXX Please remove these items from my credit report. They are displaying inaccurate and misleading information about me!
Consumer complaint received 2022-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

My name is XXXX XXXX XXXX with XXXX XXXX XXXX XXXXXXXX. I submitted a loss mitigation on behalf of XXXX XXXX after XXXX relief pre-payments. 
The trial payments were given on XX/XX/XXXX. XXXX XXXX XXXX did begin making payments since XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
A complete modification of mortgage was given to XXXX XXXX XXXX from Mr. Cooper on XX/XX/XXXX, on XX/XX/XXXX XXXX XXXX XXXX came into my office and signed the modification in my office. 
I put the modification papers on a XXXX XXXX and he said he drop it in a XXXX XXXX XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX was going to make his online payments and was block from doing so. Until he received a letter that the XXXX package never left XXXX. 
On XX/XX/XXXX I sent as per Mr. Cooper Request another modification application with all the documents requested and send the same via email, to no avail. On XX/XX/XXXX the servicer was changed to RightPath Servicing and the only intent here is to take XXXX XXXX home into foreclosure. 
This is not the time to take away homes, this is the time to reviewed what it was sent and provide help to homeowners. 
Regards, XXXX XXXX XXXX
Consumer complaint received 2020-09-29
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (MA)

Good Afternoon, I'm not sure why this is taken so long, but this can not continue to report in error. This is been over 90 days that i disputed this negative account and it's still reporting on my credit report. I was told upon paying this account that it would be removed completely from all the 3 major credit bureaus. And yet, only one of them removed it from my credit report and i'm still waiting for the other 2. I don't owe the debt but it continues to report incomplete and incorrect, and unverifiable information. I'd rather no waste anyone 's time going back and forth and would like that this is deleted from all the major credit reporting agencies effective immediately, please. This is in violation of both fcra and fdcpa on the way it's reporting.
Consumer complaint received 2020-09-29
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. (CA)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2020-08-11
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. (FL)

XX/XX/2020 Experian did not resolve a dispute that was suppose to be removed due to me being a victim of identity theft. No action was taken and the company did nothing to help.
Consumer complaint received 2020-09-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Revolut Technologies Inc. (IA)

This complaint is regarding my personal account with email XXXX and my phone number is XXXX. My account was locked by an automated system without warning and I have been unable to access nearly all my money for two days. I made a mistake in trusting Revolut and moved almost all of my money to your platform right away. Because of this block, I have faced late and bounced payments fees, the inability to purchase necessities, and immense stress. I immediately sent in all the requested information via chat to the compliance officer and I did not get a reply or confirmation. I have not been able to contact anyone in more than 24 hours - the single point of contact you provide, in-app chat, is not responding to me.
Consumer complaint received 2022-11-07
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. (GA)

In XXXX I filed a complaint because Transunion supplied a creditor- XXXX XXXX  with credit scores that were not accurate. I called and wrote to XXXX XXXX Transunion to try to resolve the matter. XXXX held the position that the information provided by Transunion was accurate and as a result determine my creditworthiness was poor and refused to reopen the account nor reconsider reopening the account until I provided them with the credit report from Transunion which would show my credit score from XX/XX/2022. I then called and wrote Transunion and requested a copy of the credit report from XX/XX/2022- the same one supplied to the creditor XXXX XXXX They claimed they do not have back dated credit reports and could only supply me with current credit reports from XXXX. I explained the creditor would only reconsider reopening the account if I provided them with my Transunion credit report from XX/XX/2022. So I contacted the CFPB in an effort to obtain the credit report forward to the creditor - XXXX XXXX dated XX/XX/2022. To date Transunion still has not provided me with the credit report for XX/XX/2022 and therefore my XXXX - XXXX XXXX account is still closed. Now CFPB has closed the complaint and I still don't have anything more than what I started out with and this is almost 3 months later. Transunion should not be allowed to provide creditors with false credit scores and then refuse to supply the consumer with the same record forwarded to creditors. Creditors use the reports supplied by Transunion to make a determination when decided to keep accounts open/ or closed and whether or not extend additional credit to consumers. They reported credit scores that were not accurate. They should be held accountable and required to supply consumers with their reports. I have asked for the reports and no one will listen. Instead they provided me with XXXX or XXXX 's credit report knowing I need the report from XX/XX/2022. They are well aware I need the report to have my account reopened. They know they misrepresented the score and refuse to do the right thing by providing me with the report given to the creditor. If we are to trust credit bureaus then they should be held to some level of standard. They should not be allowed to misrepresent consumer credit scores to creditors then when you call them out on it. They just disregard your request and carry on with business as usual after they destroyed a consumer 's creditworthiness just by submitting inaccurate information on a credit report.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (CA)

THIS COMPANY IS IN VIOLATION OF MY RIGHTS AS A CONSUMER. DURING THE INVESTIGATION OF A DISPUTED ITEM ON MY CREDIT REPORT IT IS THE DUTY OF THE COMPANY REPORTING THE POTENTIAL ERROR TO REMOVE THE IDENTIFIED DISPUTED ITEM UNTIL AN INVESTIGATION IS COMPLETE. I RECEIVED A CREDIT REPORT SHOWING THAT THIS IS NOT THE CASE AND THAT THIS ITEM IS CURRENTLY STILL BEING REPORTED. THIS VIOLATES MY RIGHTS. IN ADDITION TO THIS I DID NOT CONSENT TO BEING COMMUNICATED WITH VIA EMAIL OR TELEPHONE BUT THIS COMPANY HAS REPEATEDLY SENT ME EMAIL AND PHONE CORRESPONDENCES. I SPECIFICALLY STATE IN MY DEBT VALIDATION LETTER TO ONLY CONSENT TO BEING CONTACTED VIA MAIL. THERE HAVE BEEN SEVERAL VIOLATIONS ON THE PART OF THIS COMPANY.