davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

During COVID pandemic in 2019, I contacted CapitalOne to settle balance due to lack of work and no funding to cover full amount. Capital One responded it was not interested in any partial payment. It Continues billing me despite my request to close out the said account.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Professional Credit Management, Inc (TX)

I have sent certified letters to Professional Credit Management on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting to verify this debt that was placed on my credit report as a collection item. I have reached out to the original lender, XXXX XXXX, who stated they do not see me owing anything in their records. This is a XXXX violation, and I did not give permission to any healthcare facility to disclose my personal information.
Consumer complaint received 2021-07-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

on XX/XX/XXXX the company ARS RESOLUTION SERVICES responded to my cfpb complaint in which i demanded for this company to validate this debt, they responded : We have reviewed our records in this matter, and find the following. Our client, XXXX XXXX XXXX, is a provider of emergency room physician services at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, FL. The account in question was placed for the collection of an outstanding balance of {$350.00} on XX/XX/XXXX. The charges stem from services that were rendered to the consumer on XX/XX/XXXX. Our initial validation notice, including the right to dispute language, was mailed to the consumer on XX/XX/XXXX. Follow up notices were mailed to the consumer on XX/XX/XXXX and XX/XX/XXXX. Each of these notices was mailed to the consumer at the same address provided in this complaint, and were not forwarded or returned by the postal service.the response of the company is a dispect to my rights as a consumer, the company response as : Our response remains unchanged.by this being stated, ARS RESOLUTION SERVICES has accepted all liabllity by NOT providing with the documents to verify this dent under fdcpa..I NOW WILL BEGAN TO START MY FEDERAL LAW SUIT UNDER MY RIGHTS AS A CONSUMER AND UNDER United States Court of Appeals , XXXX Circuit. 
XXXX XXXX, Appellant, v. XXXX XXXX XXXX. 

XXXX. 
Decided : XX/XX/XXXX and IN THE UNITED STATES COURT OF APPEALS FOR THE XXXX  CIRCUIT No. XXXX XXXX XXXX, Plaintiff-Appellant, v. 
XXXX XXXX XXXX  XXXX, et al., Defendant-Appellees. 

ON APPEAL FROM THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF NEVADA this company has continued to violated my right under fcra & fcdpa1 by not providing me the account number of this debt.2has not provided me with no proper validation documents.3.no account number in regards of this debt.4.by not ceasing and desing this collection like demanded by the consumer.5The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the THIS IS A HIPPA VIOLATION, NO RELEASE FORM HAS BEEN SIGNED BY ME THE CONSUMER UNDER SUBCHAPTER15 U.S. Code 1692g - Validation of debts ( a ) 15 U.S. Code 1692c - 15 U.S. Code 1692e
Consumer complaint received 2021-07-21
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. (NY)

Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report and the reporting of these inquiries contains information that contributes to the alleged experience and transaction between I, the consumer and the creditor. 
Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device and the reporting of these inquiries violates this.

Fact, any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer and I, the consumer, did not give any debt collector nor consumer reporting agency any written instructions to report these inquiries to any consumer report. 

As a consumer, and the original creditor I, XXXX XXXX, am seeking the following remedy from Equifax for these violations : The removal of the inquiries listed below XXXX  XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2021-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AK)

My daughter XXXX sent money using XXXX that is available on USAA mobile app to a man name XXXX XXXX that was supposed to be selling a XXXX XXXX puppy on XX/XX/2021 in the amount totaling {$1600.00}. The seller appeared to be scammer and once he received the money he couldnt be contacted anymore. Trusting that usaa was allowing the use of XXXX on their usaa app platform we assumed that our money will be protected if we used XXXX. When we called usaa of the scammer issue they inform us that we might not be able to get our money back since we authorize the payment. I feel as a consumer that a big bank like USAA should only offer services that are protected or backed by their bank in case of these type of fraudulent activities. My daughter worked hard for her money and to be told that our bank for over 15 plus years cant protect her money from these scammers is a shame. I will be switching our bank soon as we feel betrayed. Thanks for reading. My name is XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX I sent Transunion a letter disputing the validity of the alleged bankruptcy they are reporting on my credit report. They responded with a letter on XX/XX/XXXX stating that they are investigating my request. On XX/XX/XXXX I sent Transunion the 2nd verification request letter. I sent Transunion a 3rd verification request letter. Transunion responded XX/XX/XXXX that they are investigating. I received a letter from Transunion XX/XX/XXXX stating they are " verified '' this item through the US Courts. I went directly to the US courts to dispute the item in question and was told that the US Court do not verify this item with the credit bureaus. I then sent Transunion another letter on XX/XX/XXXX advising them to confirm who they are verifying their information, and if they are unable to verify the information per the CRA they must remove incorrect information. Transunion responded XX/XX/XXXX again with the same letter stating the US court and how they are not required to reinvestigate the same item. I submitted my last verification request to Transunion XX/XX/XXXX advising them that the information they have is correct and how I have attached the same Court letter multiple times that has reflected the court does not share anything with the credit bureaus and how I would need to contact the credit bureaus. Transunion then responded on XX/XX/XXXX with the same information about the US court being the way they verified the bankruptcy.
Consumer complaint received 2021-07-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Yamaha Motor Finance Corporation USA (CA)

On XX/XX/XXXX Yamaha Motor Finance Company notified me that I was past due on a bill. This was likely due to me changing addresses and not receiving the bill. I spoke to the company 's representative on the phone and resolved the payment. However, due to Yamaha 's Motor Finance Company 's computer system they used an incorrect routing number to process the payment, which resulted in what they call a NSF or " Not Sufficient Funds '' and although this would typically mean there was not enough funds present in the account I was told by their representative on XX/XX/2021 that this is not the terms meaning, and that they " use this term for anytime a payment does not go through '' or something to that effect. This is obviously an absurd notion, that they would change the meaning of a phrase. I have provided the correct routing number in the past, and they have used it to charge me in the past, as noted by the representative on XX/XX/2021. However, Yamaha Motor Finance Company has continued the practice of using the wrong routing number and then charging a fee when the payment does not go through due to their own negligence. I believe this is a scheme to continue to charge me additional fees that are not owed and are the fault of Yamaha Motor Finance Company. This is simply put, a predatory attempt to gain an additional approximately {$70.00} each month. They have so far refused any responsibility, and will not even state that they have captured the routing number correctly for future use. I want the fee returned to me, and any possible fines or other actions taken against Yamaha Motor Finance who continues their criminal behavior of charging fees that are their own fault.
Consumer complaint received 2021-07-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I tried to ask for help with my lender but my lender said there is no available option for me to save my home. I even asked FHA Covid Partial Claim and even said I am not also eligible for it. Tried submitting an application for loss mitigation and they also denied me. It seems that my lender does not want to help me at all and want to push foreclosing my home.
Consumer complaint received 2021-07-21
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southwest Recovery Services, Inc. (TX)

this person called XXXX XXXX email me on XX/XX/XXXX, when I email him back I ask to take this debt out from my account because I never have an account with this company and I want to dispute it, so he told me that he can not do that from there wich is a lie because I know the fdcpa rules and I work in a collections area, and he was yelling at me 'how you never had an account with this company if I have your signature and everything and he told me that I need to pay it I ask him for the XXXX XXXX phone # and he told me that I don't need to speak with them because this account is in collections already so I ask for his manager name is XXXX XXXX and he spoke with me with the same attitude and telling me that he doesn't need to help me anymore and this person XXXX was the boss and I don't need to complain with him nothing and he hung up on me ... how a person is going to pay this people even if I had open this account with this poor customer service from a manager and his agents. this people need to be terminated how poor customer service they have if they want someone to pay with that attitude no one is going to pay that way
Consumer complaint received 2021-07-22
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: CCS Financial Services, Inc. (GA)

Debt collector reporting inaccurate information on my credit report. I never received a debt validation notice and no one never contact me regarding this debt. 

*** Debt Collectors are required by Fair Debt Collection Practices Act to send consumer a written debt validation notice with information about the debt theyre trying to collect. It must be sent within five days of the first contact. 

**Debt collector is violating Fair Debt Collect Practices. 

Further more this payment was made on-time with the original creditor, see attached confirmation receipt for your reference. debt collector claim is fraudulent and inaccurate.
Consumer complaint received 2023-06-08
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. (FL)

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XX/XX/2023. XXXX ACCOUNT NUMBER XXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION
Consumer complaint received 2024-10-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX Spring Oaks Capital XXXX XXXX XXXX XXXX XXXX, VA XXXX Refernce number : XXXX To Whom It May Concern, I hope this email finds you well. I am writing to formally request the original purchase agreement that substantiates your claim as the rightful owner of the alleged debt in question. It is imperative that I have access to this document in order to verify the legitimacy of the debt and better understand the terms and conditions that were agreed upon. 

To facilitate this process, I kindly ask that you provide me with a copy of the purchase agreement that clearly indicates your ownership of the debt. Additionally, I would appreciate it if you could include any relevant terms and conditions that are outlined in this agreement. Having a thorough understanding of these details will enable me to address this matter effectively and ensure that all parties involved are operating within the parameters set forth in the original agreement. 

Please consider this request with utmost importance, as obtaining this information is crucial to resolving any discrepancies and moving forward with the necessary actions. Your prompt attention to this matter would be greatly appreciated. 

Thank you for your cooperation and assistance in this regard. Should you have any questions or require further clarification, please do not hesitate to reach out to me at your earliest convenience. 

I look forward to your prompt response regarding this matter. 

Warm regards, XXXX XXXX
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letters for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX A Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX ) & ( XXXX XXXX  XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation.
Consumer complaint received 2021-07-22
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: Experian Information Solutions Inc. (GA)

I filed a dispute with Experian XX/XX/XXXX Report # XXXX in reference to my car loan with XXXX XXXX. I filed bankruptcy XXXX and signed a reaffirmation for repayment. My payments are current and up to date. XXXX XXXX  refuses to report my payments to the credit bureaus. I provided my payment history and a copy of the reaffirmation to Experian. Experian reached out to the lender which they confirmed the information is correct but still no changes made to my credit report. I even spoke to a Supervisor at Experian who explained to me that if a creditor doesn't report it, they can't make them regardless if they're taking my payments.
Consumer complaint received 2021-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (PA)

I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.