davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group (CA)

Velocity Investments purchased a debt that the company claims I owe. This alleged debt was purchased from another debt collection agency, which purchased it from the original creditor. The supposed debt is related to an account that was closed or sold to a debt collection agency in XX/XX/XXXX ( over 4 years ago ). Velocity Investments has filed a lawsuit against me in relation to this account. Since XX/XX/XXXX, there have been no communications between myself and the original creditor OR any debt collection agency. I have not engaged with Velocity Investments in any way. I only recently learned of this lawsuit when a process server called my cell phone and left a voicemail. An online search led me to find out that a lawsuit had been filed against me in XXXX XXXX Superior Court on XX/XX/XXXX regarding an alleged debt of {$3200.00}. A Proof of Service has not been filed with the Court, yet I see in the Complaint filed that Velocity Investments alleges that I made a payment in XX/XX/XXXX. My credit report states that the last payment made was in XX/XX/XXXX, not XX/XX/XXXX. 

No contract has been signed with this company and I have not had any communications with them. The blatant aggressiveness of this company has deterred me from attempting to contact them. 

The resolution I am seeking is for this frivolous lawsuit to be terminated. This lawsuit was wrongfully filed and was done so with the purpose of harassing and intimidating me.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX and XXXX
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.
Consumer complaint received 2021-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I received the attached letter from NewRez LLC today, letter is dated XX/XX/21 The first paragraph of the letter is as follows : " We have attempted to contact you by first class mail and on at least XXXX ( XXXX ) occasions by phone to discuss and assess your financial situation and to explore options that may be available to you to avoid foreclosure.Despite these attempts. we have been unable to contact you as of this date. '' The letter goes on to state that I must contact them to avoid foreclosure. Here is the issue : 1 ) NewRez LLC XXXX XXXX XXXX XXXX has not contacted me a single time prior to this letter by phone nor mail. I have contacted them numerous times to resolve an error they have made with my mortgage account. 2 ) I have never defaulted nor been late for a single payment ever. My loan is current with all payments being made in full in a timely manner. 

On what basis does NewRez believe it is correct and legally appropriate to send me this letter? I believe NewRez is engaging in illegal and deceptive business practices which causes stress for the consumer and wastes the consumer 's time. No one that is making their payments on time and in full should be receiving a letter of this nature. I am filing this complaint so that the government and other consumers are aware of their business practices.
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TCF NATIONAL BANK (MI)

We applied to refinance our home loan in XX/XX/2021 and submitted all required documents by XX/XX/XXXX and received a conditional approval. Since then it has been radio silence from the lender ( TCF Bank ). They do not respond to our emails and calls and haven't been able to explain why our refi has not closed. We suspect the lender is intentionally delaying to continue to collect interest from us at the higher rate of our original mortgage.
Consumer complaint received 2018-03-03
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. (AZ)

1. On XX/XX/2016, we purchased a car, the dealership was looking for the best interest rate so 4 different companies ran a hard credit inquiry. Experian is counting each inquiry separately and reduced my score by 22 points. I explained to Experian that the multiple inquiries should only count as one but to no avail.

2. I am using Experian credit tracker program. I pay for this service every month. My credit score is higher on the program than what Experian is reporting to mortgage companies. Experian is reporting my credit to the mortgage company 20 points lower than what they are showing on their website as my FICO score.

3. Overall Experian has lowered more score for no reason. Example, I did not use my credit paid all bills on time for minimum 2 months in a row because we are purchasing a home, Experian lowered my score by one point.

Is there anyone who can actually view a credit report and determine if the points are accurate as I feel as if my score is not correct.
Consumer complaint received 2021-01-26
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (MT)

I closed on my house and was apparently issued an escrow refund check from Freedom Mortgage. I never received the check. It wasnt until XXXX of 2020 that I received a letter from Freedom Mortgage stating that I had 180 days to cash said check or the check would not be negotiable. I contacted Freedom Mortgage and explained that I did not receive anything. I was told that the check would be cancelled and a new one issued. Almost a month later I called again and I was told that the check is in the mail but the postal service has been backed up. Im starting to feel like they are stalling and just gon na wait this out until XXXX and not pay me my money back.
Consumer complaint received 2024-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an account on my credit report that is being inaccurately reported by XXXX XXXX XXXX. The account in question is listed as a closed account, marked as a charge-off/in collections, despite being paid in full and in good standing. This erroneous reporting has been negatively impacting my credit since XX/XX/XXXX, despite the account being closed since XX/XX/XXXX. 

I have taken the necessary steps to rectify this issue by contacting both the credit bureaus and XXXX XXXX XXXX directly. Despite my efforts, the inaccurate information persists on my credit report, unfairly tarnishing my credit history. 

I would like to emphasize that the account in question was settled in full and was never in collections. It is unacceptable for XXXX XXXX XXXX to continue reporting this misinformation, especially given the significant impact it has on my financial reputation. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action to ensure that XXXX XXXX XXXX updates my credit report to reflect the accurate status of the account. Additionally, I request that any negative marks associated with this account be removed from my credit history, as they are unjust and unwarranted. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to resolve this issue and prevent similar occurrences in the future.
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Consumer complaint received 2018-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (MD)

I have asked Diversified Consultants to send me verifiable documentation that this debt is indeed mine ( first request sent on XX/XX/XXXX, please see letter attached ), in turn they sent me was a bill of the charges they claim I owe. I sent the second letter demanding the same verifiable documentations ( sent XXXX, see attached ). They again responded with a bill, of the charges they claim I owed. I also would like to mention that this account was previously owned by XXXX XXXX, who ceased collection on this same account, and removed it from my credit file. Somehow this account was resold to Diversified Consultants!
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (FL)

My XX/XX/2018 credit report is showing 30 day delinquent on my credit bureau report for US. Bank mortgage but this information is inaccurate. I disputed the reporting with XXXX in addition to US. Bank. I provided a copy of my XXXX bank statement to both U.S. Bank and XXXX. I received a document from XXXX stating that their investigation results were " not specific '' and left the 30 day notice on my report even after providing them with the XX/XX/2018 statement which shows my account was paid via XXXX XXXX XXXX bill pay on XX/XX/2018. This payment was made prior to the end of the month which should not have a 30 day late notice. U.S. Bank sent an email stating that because my XX/XX/2018 payment was late, the report for XX/XX/2018 is correct. However, my XX/XX/2018 bank statement reflects a payment made to US Bank through XXXX XXXX XXXX bill pay on XX/XX/2018. My payments were not late as both XXXX  and US Bank claim. My bank statements reflect a transaction number for both payments in which USBank can verify based on that number. I request assistance with this issue please. I am cleaning up my credit report and would like payments reflected accurately. The second page of the attachment name, US Bank dispute letter is my XX/XX/2018 bank statement from XXXX Credit Bureau.
Consumer complaint received 2021-02-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: AMALGAMATED TOKEN SERVICES, INC. (TN)

Im filing this complaint against CoinList.co on the grounds of lack of communication and poorly placed importance for my personal financial account by the company. 

I have been locked out of my account when I transferred near around {$310.00} of bitcoin to CoinList pro. Once it redirected me to CoinList Pro it required me to sign in. At which it excepted my username and password but I asked for a six digit authentication code that I have never received. Also it stated that if I did not have access to the six digit authentication code to simply use one of my back up codes found in the coin list app which is where I conduct most of my trading. 

However of these 10 codes are used three, each time seeing that code 1 my one being crossed off and saying an error has occurred, please try again. Out of fear of losing my account forever I logged completely out hoping that when I re-logged in it would provide me with the six digit authentication code. 

So now Im completely logged out of the app Ive never been granted access to the website and now I no longer can access my back up codes because when I try to log into the app now its asking me for the same six digit authentication code. The back up codes are saved in my app, I tried to re-register using the same email and coin list exchange recognizes that Email and says that it is already been used.

According to their website under the contact mecategory, they stated to allow Coinlist.co five days to respond due to the unusually high volume of messages being received. 

We are now going on two weeks and after several emails which I have attached as supporting documents, I am yet to hear a single reply from CoinList.co and Since have missed a few opportunities to have my money make me money which I do buy taking one cryptocurrency such as UNI and converting it to bitcoin while bitcoins on the rise then before it falls converting it back over to another cryptocoin or Altcoin Registered on Coin list.co. 

Altogether when I was locked out of my account I had roughly {$1300.00} in there since I couldve easily made that into XXXX or even more therefore I need this handled with the upmost urgency and Discretion. Thank you so much for helping me in this matter please reach me at XXXX or by phone at XXXX
Consumer complaint received 2021-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i pulled my credit report. I notice there are some account that was reported inaccurately to the the credit bureau. I took action by sending a dispute letter to the bureau agency regarding the error. i sent my first dispute letter on the on XX/XX/2021. I have waited for a over a month. they never respond to me. I sent them another letter ask them to remove the inaccurate information my report, again they don't respond. this is really frustrating. they have violated the FCRA. I want this account to be removed from my report completely
Consumer complaint received 2022-11-16
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. (PA)

In accordance with the fair credit reporting act XXXX  account # 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 section : it also states a consumer reporting agency can not furnish a account without my written instructions. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX , this is not a third party filing this dispute. I have notice several Violations on my consumer report be done by the following credit reporting agencies. XXXX, XXXX and TransUnion. This is a major violation of the FCRA and I demand that these inaccuracy be remove and updated Immediately. Please see attached documentation.
Consumer complaint received 2018-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (FL)

Ive reached out to this company and provided paperwork that this is a fraudulent account. Ive also made multiple calls and spoke to reps and supervisors. I have fraud alerts on my account because someone has been using my information. Upon investigation I noticed that this account has been deleted off my records 4 times and resold. If this collection company doesnt remove this off my records immediately I will be forced to take legal action because theyre in violation of the FCRA and theyre breaking the law. I would like a phone call from the company that says I owe them and I want to know that this is off my records because its destroying my credit. Im giving them one week to respond and get this removed or I will get attorneys involved.
Consumer complaint received 2020-11-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have disputed several accounts from my credit report with XXXX, Experian, and XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020
Consumer complaint received 2023-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: M&T BANK CORPORATION (NH)

On XXXX I accessed my XXXX account to remove a closed bank account and add my new bank information to transfer {$500.00}. During this process, I pressed the wrong button and XXXX sent the transfer to the closed account. Within five minutes, I tried to cancel it thought XXXX, but I was unable to do so. I was told that if it was sent to a closed account, it would be returned to my XXXX account in 5 days. XXXX does not offer XXXX recalls but has provided me with the trace number for the transaction. I have spoken to Peoples United bank which merged with M & T Bank after my account was closed approximately every three days since. They have confirmed that my money has been deposited into someone else 's account at M & T Bank that does not belong to me. Every person I have spoken with has given me a different story as to why this is taking so long and I have to start over from the beginning of the story every time I call them. I have given them old addresses, account numbers, social security numbers, the actual trace number for the transaction which they have confirmed did not go to me. They refuse to let me speak to anyone in their ACH department and are now telling me I have to file with small claims court and file a police report to ( maybe ) get my money back. I am hoping that filing this complaint will help.
Consumer complaint received 2021-12-09
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: EQUIFAX, INC. (FL)

I have contacted Equifax, XXXX and XXXX XXXX XXXX regarding incorrect reporting on my Credit report. XXXX XXXX XXXX has incorrectly reported that I owe {$4300.00} of which they purchased the debt from XXXX XXXX. XXXX XXXX XXXX has sued me in XXXX XXXX State of Georgia Superior Court. On XX/XX/2021 XXXX XXXX Filed A Dismissal with Prejudice to the XXXX XXXX GA State CourXXXX. I have provided this documentation and Equifax verified they have received the Documentation but advised me that the Equifax investigations indicates I am responsible for the Debt.