BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-17
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am writing this complaint against United Revenue Corporation : ACCOUNT : XXXX, XXXX, XXXX the original creditor was Texas Medicine Resources. The collection company of United Revenue Corporation violated my HIPPA rights and as consumer I am afforded protection. There in non-compliance of FCRA SEC 605 ( c ) and the FDCPA SEC 809 ( b ) major violations. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued 11/30/2009 and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. HIPAA Collection Agency Validation, Dispute, Cease & Desist .This letter is to notify the agencies that your company are violating Federal, State , FRCA and FDCPA. You also have violated HIPPAA policy law. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/ or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, and State Bar associations for violations of the FDCPA, FCRA , and Federal and State statutes on illegal collection activities on any account that may be time barred as well as in violation of Florida medical privacy rules. I also hereby reserve my right to have this information deleted from my credit report immediately or private civil action against you to recover damages. 

Please find documents attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX ( Dispute # XXXX ) I submitted a dispute for the following inquiries on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX, XXXX ) Equifax completed the dispute in less than 12hrs without a full or fair investigation. Nor did they provide proof that these inquiries belonged to me. Equifax did not follow the rules under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Sterling Infosystems Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Have applied for a XXXX XXXX XXXX XXXX XXXX. Had to have multiple background checks and 3 XXXX XXXX. The information being used is XXXX XXXX from 16, 22, 26 and 30 years ago. 3 are XXXX and 1 XXXX. The position for employment is in the XXXX  XXXX XXXX. TX Business code 20.05 states no arrests, convictions, parole anything older than 7 years can not be used or reported unless the salary is equal to or above 75,000 yearly this position I am applying for is XXXX hr 40 hours a week which is XXXX gross wages well below the amount set fourth. The company has state that texas law doesn't matter only the FCRA but that also states no negative information older than 7 years and that a consumer reporting agency must also abide by state laws. This company is grossly not following the federal or state law as set fourth.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have advised the credit agencies many times that the statue of limitation is expired and this item is still on my credit report. My next step is to hire a consumer law attorney XXXX XXXX - XXXX XXXX  Equifax XXXX  Date Opened XX/XX/2007 XX/XX/2007 XX/XX/2007

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: EOS Holdings, Inc.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint is based on violations of the FDCPA and the FCRA by EOS CCA ( EOS ). 

___ On XX/XX/XXXX, I reviewed my credit reports and saw a collection account reported by EOS regarding a phone bill. I only just discovered the account from my credit report. EOS never sent me a letter with a notice that I had a right to dispute the debt. 

___ On XX/XX/XXXX, I disputed the debt with EOS by certified mail. 

XXXX EOS did not respond to my letter and did not validate the debt. 

XXXX In my letter, I gave EOS notice that I will also dispute the account with the credit bureaus. According to federal court decisions, if a debt collector verifies an account to a credit bureau before validating the debt, that is a violation of the FDCPA for failing to cease collection of the debt. Here is case law on this : Until the debt was verified, all further attempts to collect on the debt, including defendants XX/XX/XXXX letter and any subsequent reports to the credit reporting agencies, violated 1692g ( b ). Semper v. JBC Legal Group, 2005 WL 2172377, *4 ( W.D. Wash. 2005 ) [ emphasis added ]. 

___ On XX/XX/XXXX, I disputed the unverified account with the credit bureaus. 

___ On XX/XX/XXXX and XX/XX/XXXX, the credit bureaus sent me the results of the re-investigations. EOS failed to cease collection of the debt because they falsely verified the unverified debt to the credit bureaus. 

___ Also according to federal court decisions, the failure of EOS to provide account-level documentation to validate the debt means that they had no such materials to rely on when they verified the account to the credit bureaus. Here is case law on this as well A jury could also find that because [ the debt collector ] retained the right to seek account-level documentation through its agreements with [ the creditors ] [ it ] behaved unreasonably when it reported the accounts as verified without first exercising those rights. Hinkle v. Midland Credit Management , Inc., et al No. 3:2013cv00033 ( S.D. Ga. 2015 ). 

XXXX Based on the aforementioned facts, EOS violated the FDCPA and FCRA. 

___ ( a ) Violation of the FDCPA 15 USC 1692g ( b ) in that they failed to cease collection of the disputed and unverified debt. 

___ ( b ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt. 

___ ( c ) Violation of the FCRA 15 USC 1681s-2 ( b ) in that they failed to conduct a reasonable investigation of my dispute thru the credit reporting agencies. 

XXXX DAMAGES : I was denied credit due to the unverified collection account that EOS wrongfully verified to the credit bureaus. 

XXXX RECOURSE : I spoke with a consumer lawyer about filing a complaint with the CFPB. He explained how to structure my complaint, and to contact him if my CFPB complaint does not resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: CarMax, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The account is more than 7 years past the 1st delinquency. The term of the loan is reporting incorrect, the final payment is reporting incorrect, late payments are being reported to credit agency but not the on time payments. I wrote to carmax auto finance, and called to try to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted application for loan modification and was first offered a flex mod and then for some reason it was takin back i was told by the investor and said because I have already received several modifications which are not at all true I tried to explain that and it wasn't even taken into consideration just told me that I could make a reinstatement payment of {$24000.00} I do not have this kind of money but I do work 2 jobs so that I can keep my home the reason for my hardship is the death of my husband and financial loss this is why I requested a modification

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020 I had a hard hit in my credit from a source syncb/ppmc located XXXX Florida. I did not fill out for anything or require about anything to have this hit when I reached out to XXXX  they told me to contact the company when trying to contact the company they told me they have no records but yet this hit is in my credit report. And meaning I did not do anything to get this on here I would like to get it off and I am having no help getting that Im getting a run around from both companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24
Company: BRite Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
a ) I confirm that I have received a written communication from BRITE FINANCIAL SERVICES dated XX/XX/2019 wherein they make reference to the above captioned matter. 

b ) I have sent my request to Brite Financial Services, LLC, dated XX/XX/2019 and XX/XX/2019 for BRITE FINANCIAL SERVICES to confirm the balance owing on the above referenced matter and for BRITE FINANCIAL SERVICES to confirm that BRITE FINANCIAL SERVICES would accept full payment of the alleged obligation from me in consideration of BRITE FINANCIAL SERVICES delivery to me of the original instrument of indebtedness in its original form. 

c ) I confirm that I have received a written communication from LAW OFFICES XXXX XXXX , XXXX. dated XX/XX/2019wherein they make reference to the above captioned matter. 

d ) I have sent written communication to LAW OFFICES XXXX XXXX, XXXX., datedXX/XX/2019 informing LAW OFFICES XXXX XXXX , XXXX . that it is apparent that LAW OFFICES XXXX XXXX , XXXX. are acting on the presumption that some relationship that LAW OFFICES XXXX XXXX , XXXX. may have with Brite Financial Services, LLC, is in some way related to me. I am not a party to this implied relationship LAW OFFICES XXXX XXXX , XXXX. has with Brite Financial Services, LLC, either directly, indirectly or by means of any tacit consent. 

e ) I confirm that I have received a Summons from LAW OFFICES XXXX XXXX XXXX XXXX. issue date XX/XX/19 Expiration date XX/XX/119 wherein you make reference to the above captioned matter. Defendant has not seen or been presented with any documentation verifying that l have voluntarily, knowingly and intentionally, entered into a contract with any civil court, to perform to your demands ; and believe that no such verified documentation exists ; Defendant has not seen or been presented with documentation verifying that all the terms of the contract were disclosed in the document, and believes that no such verified documentation exists ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted First Collection Resolution and was transferred to Mr. XXXX ; he advised me of additional debts that are under my sons name. 

I advised him with springing this on me I was only prepared to settle the debts in my name reporting on my credit. 

I asked to speak to his manager several times and he said NO. He was very rude and insulting. 

I asked for payment of my debts the ones I inquired about on my credit be removed with payment. 

He stated he and his boss linked my accounts and only as a 1 time courtesy only if I paid the {$860.00} they would do it- I advised I was only prepared to pay the {$340.00} today and would make payments on the other debt however I need a letter regarding that amount and if I truly owed it. 

He began to raise his voice and tell me I only wanted a manager because I wasnt getting g my way and they had never spoken to me. 

He informed me of additional bills of {$66.00} again I was not aware of however told him I could take care of that bill however the {$450.00}. I would need to make payments if the debt was mine. 

I asked for a manager and his manager he said the operations manager doesnt take these types of calls and that I could email if I wanted to again refusing me the opportunity to speak with his manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On Thursday XX/XX/2020 I made a domestic transfer to PayPal. 
PayPal promises a transfer based on your banks process between 3-5 business Days. 
My bank posted the transfer transaction on XX/XX/2020. PayPal however held those funds for extra periods of time instead of releasing the transfer to me, intentionally. It is now XX/XX/2020 and the funds have not been released.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
These cards were used fraudulently, much of the address on report are incorrect I never lived at some of the address '. The only loans are student loans and paid off car loans that are mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: UMPQUA HOLDINGS CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Hi I have had a relationship with Sterling Savings Bank and then when it got merged with Umpqua started a new 2nd mortgage account with them. 

It was a product called " Relationship Checking '' and was a premier account. At the time I opened, i wasn't sure about any special requirements. Around XXXX of XXXX I consolidated my mortgage and 2nd mortgage with XXXX XXXX XXXX XXXX. Hence my 2nd mortgage got closed. I had electronic statements, and there was no mention of any change in fees being accessed. I just recently was curious about this account, and when i logged in, found they have been debiting {$18.00} per month. I have always never maintained more than {$5500.00} as average monthly balance in the account. 

I visited the branch XXXX XXXX XXXX XXXX and  spoke to the branch manager. She mentioned that the fee was because i maintained less than {$15000.00} per month which was a requirement to avoid the fees. I did tell them my account never had any amount more than {$5500.00} per month as average daily balance. She said she is not aware why i was not accessed the fee earlier, but that there is nothing she could do to help. 

They had taken {$18.00} from XX/XX/XXXX - XXXX XXXX. which is for 23 months which amounts to {$410.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Several letters have been written and sent to XXXX, Equifax and XXXX  in regards to the following duplicate accounts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The letters dated XX/XX/XXXX have been sent certified mail and more than 30 days have went by with no response from all. Proof will be attatched. 

1. XXXX ; Account # : XXXX ( reporting on Equifax ) 2. XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) ; Account # : XXXX ( reporting on XXXX XXXX XXXX ) 3. XXXX ; Account # : XXXX ( reporting on XXXX XXXX XXXX , Equifax ) 1. Sent certified mail to Equifax for accounts XXXX ; Account # : XXXX AND XXXX ; Account # : XXXX Tracking # : XXXX delivered XX/XX/XXXX at XXXX Tracking # : XXXX delivered XX/XX/XXXX at XXXX 2. Sent certified mail to XXXX  for account XXXX  ; Account # : XXXX Tracking # : XXXX delivered XX/XX/XXXX at XXXX 3. Sent certified mail to XXXX  for account XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) ; Account # : XXXX Tracking # : XXXX delivered XX/XX/XXXX at XXXX Outside of having proof that several letters have been sent and ignored this is a FCRA VIOLATION to have the same account reporting multiple times. 

There are also several errors amongst the same exact accounts as follows : 1. XXXX ; Account # : XXXX ( reporting on Equifax ) is reporting a high credit of {$9200.00} AND XXXX  ; Account # : XXXX ( reporting on XXXX, XXXX, ) is reporting a high credit of {$18000.00} 2.XXXX ; Account # XXXX XXXX ( reporting on XXXX, XXXX, Equifax ) ; XXXX  and XXXX  are reporting a high credit of {$18000.00} and Equifax is reporting a high credit of {$0.00}.

3. The date of last active are reporting different dates between all 3 of the same accounts. Makes absolutely no sense.

4. The date of last payments differ between all 3 of the same accounts. For example ; XXXX ; Account # : XXXX ( reporting on Equifax ) is reporting date of last payment as XX/XX/XXXX AND XXXX  ; Account # : XXXX ( reporting on XXXX, XXXX, Equifax ) XXXX  is reporting date of last payment as XX/XX/XXXX. 

THERES WAY TOO MANY ERRORS THAT I CAN GO ON AND ON ABOUT. AND THESE ARE SUPPOSED TO BE THE SAME ACCOUNTS??? HOW??? THERE IS NO POSSIBLE WAY THESE ACCOUNTS WERE VALIDATED AND VERIFIED FOR ACCURACY. DELETE ALL 3 ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I reviewed my credit score and my score dropped from XXXX to XXXX ( in has since rebounded to XXXX now ) within the passed several months with no justification. I requested information regarding why and received a response that this was an automatic adjustment by the system. There have been no significant changes to my accounts and this is very drastic change. I would like a more logical explanation of the adjustment versus a generic response from the credit rating services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Hello, I want to complain to the Capital One credit card embezzlement department and illegal operation. I applied for a credit card with a limit of XXXX, but it has been locked for two or three months. They have no reason to propose that I have embezzled, but my credit card has been I always called the customer service to lock the credit card. From the first time I received the new card, the card was locked and not allowed to spend until the bank sent me the link and then I uploaded the ID card. To be locked, it was locked five times in a row in just one hour, and I continued to call for verification, and the verification passed every time, but this credit card has been locked for two months. Moreover, the relevant information they requested was uploaded one by one. Without any reason, they have been looking for any irrelevant reasons to shirk responsibility. I would like to ask the relevant department to investigate the bank credit card department, and even if there is no reason, the phone will not answer. Ive delayed my phone call and closed my account. The bank did this to mention my credit report to extract my personal information. This caused me to file reports a lot, my credit score dropped, and it took me so long. The relevant departments are urged to investigate the facts.

Company response to consumer: Closed with non-monetary relief