davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Resource Systems, Inc (CO)

ATTN : CFPB THIS IS NOT A DUPLICATE COMPLAINT, I AM RESPONDING BACK TO UNITED RESOURCES SYSTEMS IN REGARDS TO A LETTER THAT THEY FINALLY RESPONDED BACK TO ME. 

PLEASE FORWARD THIS COMPLAINT OVER TO THEM ON MY BEHALF. 

THANK YOU. 




This letter is being sent to UNITED RESOURCES SYSTEMS again in response to the above reference account that United Resource Systems has reported and listed on all XXXX major credit reporting agencies ( XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX XXXX ( b ) that your claim HAS BEEN disputed and VALIDATION HAS BEEN REQUESTED! 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for-HAS NOT BEEN LEGALLY PROVIDED IN THE TIME FRAME ALLOWED TO UNITED RESOURCES SYSTEMS BY LAW! 
Explain and show me how you calculated what you say I owe- HAS NOT BEEN PROVIDED. 
Provide me with copies of any documents that show I agreed to pay what you say I owe- HAS NOT BEEN PROVIDED. 
Identify the original creditor- HAS NOT BEEN PROVIDED. 
Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED. 
Show me that you are licensed to collect in my state- HAS NOT BEEN PROVIDED. 
Provide me with your license numbers and Registered Agent- HAS NOT BEEN PROVIDED. 

AS YOU UNITED RESOURCES SYSTEMS ARE IN FACT NO DOUBT AWARE, I HAVE REQUESTED VALIDATION, NOT VERIFICATION AND THE INFORMATION IN WHICH UNITED RESOURCES SYSTEMS HAS PROVIDED TO ME IS NOT A LEGAL VALIDATION OF THIS ALLEGED DEBT ACCORDING TO THE LAWS.
Consumer complaint received 2017-10-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Emmett L. Goodman, Jr., LLC (GA)

The Law Offices of Emmet L. Goodman, Jr. LLC ( located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX ) operating as a debt collector has attempted to collect by garnishment a ten-year old judgment that is barred by the Georgia seven-year statute of limitations arising out of a lawsuit that was not served on the Defendant. It is submitted that attempting to collect debts that are barred by the statute of limitation is a pattern and practice of this law firm as well as other debt collectors which should be barred as a deceptive practice.
Consumer complaint received 2016-07-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (MN)

I sold my Lexus RX350 via XXXX to a person claiming to be XXXX XXXX. This person sent a cashiers check directly to my loan and title holder JP Morgan 's Chase Auto Finance. The cashiers check was received by Chase on XXXX XXXX, 2016. The name on the check was XXXX located in XXXX, Arizona. I called Chase almost everyday to be sure the check cleared. I called Chase Auto Finance a total of 21 times between XXXX XXXX to XXXX XXXX. They assured me that the check had cleared 3 straight days. The day I released the vehicle I phoned Chase at XXXX and spoke with XXXX XXXX. I asked again, has the check cleared? He said YES, I asked if the lien release had been mailed out? He said YES, I asked if I am at any risk for releasing the vehicle to the buyer? He said NO. I have a copy of the lien release signed and notorized by Chase XXXX XXXX XXXX ( XXXX XXXX Sr. Specialist ) and Notary XXXX XXXX ( State XXXX ) dated XXXX XXXX, 2016. The auto was released on XXXX XXXX, 2016. I also have a letter dated XXXX XXXX, 2016 stating that the loan had been satisfied signed by XXXX XXXX XXXX, Loan Servicing Specialist. I have since learned that the cashier 's check received by Chase XXXX had been returned. Chase is insisting that I continue to pay on my original loan that they have released me from. I believe I am no longer responsible for payment on a loan they have released me from. I also believe, that they must make a procedure change when dealing with a loan payoff and that they do a better job of protecting the customer from financial fraud. I am currently working with XXXX XXXX at the XXXX Investigations office in XXXX. I have a picture of the man who signed the Bill of Sale and a release of liability form. I was contacted by the gentleman named XXXX who purchased the vehicle from the thief alias XXXX XXXX stating he had purchased the vehicle in the XXXX area for considerably less than ( {$11000.00} ) I sold it for ( {$25000.00} ). I sent the picture I have of the thief and he confirmed that he is the same guy that he purchased the vehicle from. The investigator was able to contact a XXXX area Police Investigator who was able to identify the man. The XXXX Police Investigator was also able to contact " XXXX '' and obtain his full name and address. The only reason this fraud was able to take place was because of Chase XXXX being careless in their handling of the check and its information provided to me stating the check had cleared, the lien release was mailed out and that I was at no risk releasing the vehicle. I am requesting that I should no longer be responsible for the original loan I was released from. Please help. I have done all that I could to prevent this fraud from taking place however Chase Financial has not.
Consumer complaint received 2023-09-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is a response to Complaint # XXXX. This is a response to the violations that where violated within the Auto Contract/ Consumer Transaction. This complaint is going over some of the violations and pointing out the laws that where broken. In USC Title 31 Section 3123 States that '' The Us Government has an obligation to pay 'dollar for dollar ' principal and interest in legal tender ALL DEBTS accrued by the American People '' ( which I Am an American Citizen ) My Social Security belongs to the SSA and any transaction in regards with my social security pays for whatever it is being used for which clearly it was used in the attach documents below stated in TRUTH IN LENDING 15 USC 1601. BEST XXXX XXXX XXXXCAPITAL ONE falsely misrepresented in stating that they are the Seller-Creditor. 15 USC 1602 TRUTH IN LENDING Definitions and rules of construction states " A Creditor refers only to A PERSON who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required ( which in this case was Me, I was the one who extended the credit. I ask Capital one to send a validation of debt breaking down all fees and charges. They didnt send the Finance Charge breakdown. Also XXXX XXXX XXXX XXXX CAPITAL ONE never disclose to me MY RIGHTS OF RESCISSION ( 15 U.S. Code 1635a ) which is a violation of Truth in Lending, this makes them criminally liable for willingly holding out this information and civil liable which is double the FINANCE CHARGE ( {$8000.00} ). ALSO within the first letter i sent i ask to cease all contact and for them to stop reporting to the credit bureaus until all matters are handle and they have not yet accept my wishes i still get calls text messages which is harassment and consider a civil violation as well under 15 USC 1692D!
Consumer complaint received 2023-08-06
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: Experian Information Solutions Inc. (PA)

On XX/XX/2023 through XX/XX/2023 I was notified by Experian XXXX XXXX that a series of credit inquiries were happening on my credit profile. I did not authorize anybody to run my credit. I did not give my information to any company, and I did not go looking for any sort of credit at all. The notification led me to immediately lock my credit profile.
Consumer complaint received 2023-09-23
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. (IL)

I see that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2016-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (MI)

PHH created fraudulent loan history to force foreclosure/eviction on us, we 've proven payment for the loan of {$15000.00} PHH wanted us to sign, we paid XXXX Bank in cashiers checks, we did not owe PHH. We are missing {$35000.00} in payments, all cashed by PHH. I have proof of all of this..we were also part of the {$6.00} XXXX settlement only for PHH to foreclose/evict anyway, PHH did not follow the NJ XXXX stipulation to apply all our payments, remove fees and bring us current. PHH " somehow '' managed to evict us ... someone is on the take, payoffs, something is WRONG here, how could we pay and still get evicted???? PHH took our credit, our money, our home, our chance for retirement and our lives ... I want it back!!!!! I have many documents to prove theses statements including an offer from PHH for {$50000.00} over the redemption cost ( we were denied redemption ), and we had to sign an agreement to not sue, be part of a lawsuit or hold PHH accountable in any wrong doing. PHH evicted us while I was completing XXXX treatments ... .can you say scum of the earth? PHH needs to be held accountable for what they have done and are continuing to do to homeowners. We had trouble from the day we signed our mortgage, we were never in a modification, did n't need one..we needed PHH to apply payments they cashed. We had no problem paying our payments.
Consumer complaint received 2017-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (MI)

I closed and paid off my American Express XXXX XXXX XXXX in XX/XX/XXXX. There was a credit balance of {$24.00} that was due back to me because of an overpayment. As of today XX/XX/XXXX I have not received a refund. One has been requested twice both by phone and online using the American Express XXXX application.
Consumer complaint received 2016-07-14
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FIDELIS RECOVERY MANAGEMENT, LLC (TX)

I received irrational frequency and number of repeated auto dialer calls to my mobile device and then my employer phone number, after asking for the automated calls to stop, phone records as evidence, recorded call and certified letter evidencing my request to be removed from auto-dialer. Requested debt verification letter in writing, received it more than 30 days later and it had inaccurate information. I provided response to debt collector disputing the information they provided which was an entity and account number I have no evidence of. No response after more than 30 days.
Consumer complaint received 2016-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are repeats or multiple accounts of my student loans. I only have XXXX students loans. My report says I have XXXX open loans. It appears there duplicates of the same loan more than once. My total student loan debt should be around XXXX.
Consumer complaint received 2017-04-04
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Siggi LLC (CA)

I had a loan with Omni while I was XXXX at XXXX back in XX/XX/2010. When I went into the office to let them know that my allotment was accidently deleted, and that when I started it back up, it may or may not post by the due date. Once I realized the payment never came out, I went into the office to make the payment. They told me it wouldnt be an issue. I later realized they dinged me with a 30 day late payment, and I have been fighting them ever since to remove the 30 day late remark. I made every payment on time with no issue, and it has been 7 years since that account was paid in full. I have tried numerous of times to get this account resolved, with no help from the company.
Consumer complaint received 2016-07-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NE)

I have an HSA account with HSA Bank. On XXXX/XXXX/16, I submitted paperwork to close the account and transfer the balance to my new HSA account. I have an email from the person I sent the paperwork to confirming that they received it and forwarded it on to their operations for account closure on XXXX/XXXX/16. On XXXX/XXXX/16, I logged on to the account to see if the transfer was completed. I noticed I was charged a {$2.00} service fee for the cash portion of the account on XXXX/XXXX/16 I ( which seems acceptable considering the paperwork was just submitted that day ). However, I noticed I was also charged a {$2.00} fee on XXXX/XXXX/16 for the investment portion of the account ( which was never actually opened or invested when XXXX HSA transferred to HSA bank ). This charge came11 days after the account closure form was submitted and received by their operations. I understand if the transfer was not completed, but there should have been a control to turn off fees by this point. After seeing this fee, I called HSA bank on XXXX/XXXX/16, to see if something was wrong with the paper work. They told me they were behind and it should be closed soon. On XXXX/XXXX/16 I received an email from HSA bank asking that I contact HSA bank. I called that day and was told I had to provide verbal approval to close the account, which I did that day. I do n't understand why I had to provide verbal approval after clearly trying to close my account twice already. I logged on to my account XXXX/XXXX/16 to see if the account had been closed. It is still open and I noticed that I was charged another {$2.00} fee for the cash portion of the fee and I know that any day I would have been charged another {$2.00} fee for the investment portion. I called XXXX/XXXX/16 and asked why I am being charged fees 33 days after submitting account closure paperwork and why my account is still open 42 days after submitting account closure paperwork. They told me they are about 2 months behind on account closures. This means they are making {$2.00} to {$5.00} a month from who knows how many people that have attempted to close their accounts. This is n't even mentioning the fact that I have lost potential investment gains on the close to {$8000.00} that would be invested at my new HSA account if the money were transferred in a reasonable amount of time. They said they would make a note to stop charging me fees, but we will see what happens and how much longer I have to wait to get my money.
Consumer complaint received 2016-07-14
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Federal Pacific Credit Company, LLC (AZ)

To The CFPB : XXXX My office has been receiving threatening and harassing calls form an alleged debt collector FEDERAL PACIFIC CREDIT. My office has received XXXX calls stated '' you must call us now XXXX, regarding a case number, " it is imperitive you call now, XXXX XXXX ''. I learned form calling this so called company back it is in regards to a predatory credit card that I had over 7 plus years ago, which was cancelled as I was legally advised to do called TRIBUTE CARD. This guy stated there is {$1300.00} in fees alone and more. A closed credit card even predatory can not charge fees on a closed account as per the FCRA. 

Under the FCRA this card is PREDATORY and I owe nothing to this predatory card, nothing. Secondly, it is over 7 years and this questionable debt collector with a very questionable website at http : //www.fedpacific.com in XXXX XXXX XXXX XXXX They gave my home address, asked for mailing address and called me XXXX. 
I never go by XXXX as well. 

My office checked the owner or a so called Executive is XXXX XXXX. My office learned as well under Rip Off Report this alleged company buys outdated debts from predatory credit card companies. 

My office was legally advised to file this complaint, if the harassment and threats do not stop, my office will take legal action to stop it on XXXX XXXX and her alleged Federal Pacific Credit Collections. 

Thank you XXXX XXXX, petitioner
Consumer complaint received 2023-09-23
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. (IL)

This Bankruptcy accountis being reported on my credit report as if they are the furnisher, then this account is reporting inaccurately and needs to be deleted since you are violating 15 USC 1681e ( b ) by keeping my credit report from reporting 100 % accurately. This Account needs to be removed from my file U.S. Bankruptcy Court XXXX  XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported : XX/XX/.
Consumer complaint received 2016-07-14
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Mortgage Research Center, LLC (LA)

We contacted Veterans United Home Loans for a pre approval loan. XXXX XXXX XXXX did not set the expectations of this transaction from the beginning. He approved our loan and then waited nearly 30 days to inform us about down payment and student loans which appeared, I feel, out of the blue once we did not use the realtor because she does not work with " for sale by owner ''. He simply responded with a " My bad '', and did not offer any counseling services, or discussed if we qualify for any programs. XXXX XXXX used the excuse of the XXXX looked like an XXXX which is just a rank, he had the proper financial documents from the beginning. We had already scheduled and paid {$500.00} for an inspection and mailed our {$1000.00} earnest money. we were under the impression everything was going smooth until loan officer XXXX abruptly told us unless we had XXXX to pay off my student loans he could n't help us and I 'm offened that he used the phrase my bad, feel the way he brought up the XXXX down payment was used as a way to quickly get rid of us ... this is a home purchase that I thought was going to go through, now I have no place to move to and need to get my children registered for school. My husband has served this great country XXXX. Did I mention we had already scheduled transportation of our household goods to the city where our home was supposed to be. Now I 'm staying with family. There is no way this this serviceman and his family should be without a place to live. Please look into this matter. We were treated unfairly! 

XXXX
Consumer complaint received 2016-07-14
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (NC)

Hello, I am so upset about this, and I do n't know how to fix it. A company called Synchrony Bank took over many of my credit card accounts, and has gone though and XXXX by XXXX lowered my credit limits to the exact dollar amount I owe on each acct, making it appear as though I 've maxed my account and completely ruining my credit score. This is VERY unfair. They should have to make a note on the credit file that they lowered the limit, so that creditors do n't see me as maxing out accounts. There should also be a way that this does not affect your credit score the same way. How can this be allowed? VERY very unfair. I understand they have the right to lower the limits, but to have it look as though I maxed out these accounts has a huge effect on my credit score. Is there anything I can do about this? I really need some help here. TY - XXXX XXXX
Consumer complaint received 2016-07-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONRAD CREDIT CORPORATION (NY)

In 2012 I did get a call from a travel company ... With thier good sales skills they had me interested in signing up with a company XXXX ... We discussed many things about the company " XXXX XXXX XXXX XXXX '' but when it came down to business they was sending me a bill saying I owed money when we agreed on paying the first payment being 45 days after I signed up ... I gave them my credit card information and also called when I did n't see payments being removed ... I even reached out to them in phone calls and emails ( which I still had saved ) and no response ... Then a few months later they put me in collections ... I never even used anything in the travel club but they put it in collections and recently I saw the amount increased in my XXXX for another {$700.00} now it is up to XXXX dollars ... I want this company removed off of my credit ... Like how can you put something in collections and never send out one mail stating you owed a debt ... I never received a letter for Conrad credit Corp but they took over " XXXX '' depts.. The reason I know this is because I called once asking what is this on my credit and they mentioned this to me ... I would really appreciate if this company is removed off of my credit ....
Consumer complaint received 2016-07-14
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I over paid this credit card by {$350.00} when paying it off and they tell me after I contacted them that I can expect a refund check within 60 -90 days. This is usury. If I am even one day late in payment I get hit with interest and late payment fees yet they get to keep my money for up to 90 days! This is unacceptable.
Consumer complaint received 2016-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MI)

I had a payment due to XXXX XXXX on XXXX. I initiated a payment ( which cleared on XXXX ) however they reported that the card was over the limit, however had the payment not been on hold it would have never been over the limit on the reporting day. I contacted the company and all three bureaus with no assistance.