davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
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: Affirm Holdings, Inc (FL)

Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, is classified as consumer reporting agency, and I by definition am the Consumer. Pursuant to 15 U.S Code 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. AFFIRM INC per 15 U.S Code 6801 is defined as a financial institution ; of which I am sure the U.S. Department of Justice, the U.S. Department of Housing and Urban Development, the U.S Securities and Exchange Commission, and the Office of the Comptroller of the Currency [ would ] consider any information that this institution engaged in illegal credit practices before the end of the institutions next performance evaluation. AFFIRM INC is in violation of 15 U.S Code 1681a ( 2 ) ( A ) ( i ). See Exhibit A. AFFIRM INC is under the regulation of many laws and as previously mentioned one of those is the FCRA, which states the term consumer report DOES NOT INCLUDE any report containing information solely as to transactions or experiences between the consumer and the person making the report. Pursuant to 15 U. S Code 1681c ( a ) ( 5 ) the publishing of any adverse item of information should not be on any consumer report. It clearly states except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This is a violation as they are reporting these items without my permission. See Exhibit B for the accounts I, the consumer, am speaking of. 15 U.S Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 15 U.S Code 1681 clearly states that I have a right to privacy. It also states the consumer reporting agencies can NOT furnish an account without my written instructions. XXXX is in direct violation of the law and will be held responsible/liable for damages pursuant to 15 U.S Code 1681n.
Consumer complaint received 2022-10-16
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: HCFS Healthcare Financial Services of TeamHealth (FL)

{$94.00} XX/XX/2021 in accordance with the fair credit reporting act this creditor has violated my rights under 15 use 1681section 6 of 2 states I have the right to privacy15 use 1681section 6 o 4 a section 2it also states a consumer reporting agency can not furnish an account without my written instructions under 15 uses 1666ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-06-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (GA)

Source Receivables XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX contacted me by phone 2 months ago saying that I owed them {$790.00} dollars for a XXXX phone bill that was 7 years old. I typed up a letter and sent it to them via certified mail requesting proof that I owed them and that they are licensed to operate in the state of Georgia. I also requested they send me the original contract with my signature. I mailed a certified letter at the above address over 45 days ago. I have not heard from them again, however they reported to the credit companies and now after repairing my credit from another company attempting to collect on this very same debt now they have ruined my credit which cause my credit score to drop significantly. I also disputed with the credit agencies.
Consumer complaint received 2018-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation (GA)

On XX/XX/XXXX and XX/XX/XXXX, I scheduled payments of {$1200.00} and {$1200.00} respectively, to cover my XX/XX/XXXX mortgage payment. Without any attempt to contact me beforehand, my mortgage company mailed the XX/XX/XXXX payment back to me using snail mail with a letter stating that they were unable to accept the payment because they considered it a partial payment. By the time that I received the letter and XX/XX/XXXX check in the mail, and was informed of this policy, I had already scheduled my XX/XX/XXXX, payment and when I looked at my account, that payment was showing up in a suspended status. I contacted the mortgage company immediately and was encouraged by a supervisor ( XXXX ) that if I scheduled the payment again it would post in time to merge with the now pending suspended XX/XX/XXXX payment and result in a full payment being posted to my account. In response, I promptly re-scheduled the payment of XXXX. However, when I called back the next week for an update, I was informed that instead of merging the funds, as the supervisor had stated would occur, the XX/XX/XXXX check had now been sent to me using snail mail again and the new payment was now pending. At that time, I was encouraged by another representative to reschedule the payment in order to have them merge. This cycle has now occurred a total of three times. Each time, I have been encouraged by a customer service representative or supervisor assisting me, that when the other payment is received it can be merged with the suspended payment and credited to my account. Yet, instead of this happening as promised, my mortgage company is sending the pending payment back to me. To date now because of this, my XX/XX/XXXX payment has not been credited despite multiple efforts. Further, in spite of multiple assurances by multiple supervisors and representatives to override this automated process, nothing is being done on their end to remedy the situation and I am apparently being left completely at the hands of a failing automated process. As of today XX/XX/XXXX, I have been told by yet another supervisor that I will need to try again. I feel as if the mortgage company is forcing me into default on my mortgage payment which has never been late and I need real assistance in getting this issue resolved before XX/XX/XXXX when my payment will be considered late and in default. Please help me.
Consumer complaint received 2023-07-06
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: Experian Information Solutions Inc. (GA)

In accordance with 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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2020-02-09
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/XXXX at approximately XXXX I applied for CapitalOne Spark Business Credit Card I apply using my XXXX XXXX XXXX , then I received an email at XXXX asking me to provide 1 document from each box ( See Attached Document ) which I did I provided my XXXX  and my letter from IRS containing XXXX  ( See Attached Document ) according to the website where i applied it stated that the process would take 7 to 14 business days, but on XX/XX/XXXX a Hard Copy of my Credit Report was pulled. So I waited and waited still no response, so on XX/XX/XXXX I made a call to Capital One at XXXX at the telephone number XXXX and spoke with a XXXX she claimed she could not find my information and I explained to XXXX I had a copy of the email that was sent to me and the copy of the successfully uploaded of my documents, then I asked to speak with a Manager which she did provide a Manager name XXXX  , so I proceed to explain to XXXX  what I was experiencing and he stated there was a glitch in the system and he wanted me to provide my documents again and I stated if there is a glitch in the system you need to speak with your supervisor and let them know XXXX proceed to tell me his office was in Florida and the main office was in the XXXX  and he could not just walk over there. So I decided not to re-submit my documents and wait to see if I would get a response from XXXX or from CapitalOne still no response to date XX/XX/XXXX.
Consumer complaint received 2023-04-10
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)

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX Balance : {$300000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-10-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Due hospitalization and return to work date, I called Capital One ( XX/XX/2022 ) to request a skip pay for XX/XX/XXXX, the skip pay was successfully I was told to wait 24 hours for system to update and it was. On XX/XX/2022, i received a past due email stating I need to make a payment. The first representative placed me on hold for 5 mins then disconnected the call. Second call- I spoke an representative to ask for a supervisor. They transferred me to XXXX XXXXsupervisor and did not want to handle the call so I was transferred back to another department. Ive spoken to XXXX before and she was very argumentative and condescending. I was speaking to her and she dropped call and I talked to another agent. This agent started with my charge, finance charges and payment from XX/XX/2022 which had nothing to with the skip pay. I asked several times with several representatives that does not use their resources to answer the customers questions. The outsourced representatives are more concerned about their Average Handle Time than the customers. I find it very difficult to resolve issue with Capital One customer service. This should have been a 10 mins call which would have helped their AHT. Third Call- I spoke to XXXX XXXX XXXX agent ) that stated I had a past due payment in the amount of {$83.00}. I asked her how can there be a past due payment for XX/XX/2022 when the money due was zeroed out. Instead reviewing the account before answering they provide XXXX transferred me to another supervisor that acted as though he could not hear me when he spoke it was every other word then phone disconnected.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (MS)

Please Delete Inquiry 15 USC 1681i Sec 7 15 USC 1681 Sec 5 15 USC 1681i Sec s-2
Consumer complaint received 2022-10-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CO)

Utility company improperly wrote off balance. Write off was reversed, with all bureaus receiving notice from utility company on XX/XX/2022. To date, bureaus have not removed the writeoff and despite calls, can not confirm if they have the reversal or note. 

Its been over XXXX XXXX  and no one seems to care about correcting this. 

I am being financially harmed and demand they reverse the write off as the utility company requested.
Consumer complaint received 2019-06-26
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. (AR)

TRANSUNION AND XXXX, I have submitted several dispute to them as to verifying with the proper COURT House on a Bankruptcy. The reporting agency advised me that they verified through a third party which my information was frozen with XXXX XXXX to not provide information to anyone. But these credit reporting agencies have failed to do there job and verify with the direct source. I have attached documents that I have received from the credit reporting agency as well as they court house that they have not verified the proper information.
Consumer complaint received 2020-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Starting on XX/XX/2020 at XXXX XXXX  ET I had two online transactions declined ( two different international merchants ). The Capital One website indicates that there is ongoing "  maintenance '' and the account has not been updated since XX/XX/2020 at XXXX XXXX  ( nearly 48 hours ago ). 
I called Customer Service and spoke with a rep in the XXXX who was reading a script and kept repeating " sorry for the inconvenience, you need to call back in 3-4 hours ''. I asked to speak with a supervisor ( XXXX in XXXX, ID XXXX ) who was also completely unhelpful and kept repeating the same script over and over. 
It appears that this is not routine maintenance, but a problem with the system since the account has not been updated in nearly 48 hours. Moreover, how is it possible that the card doesn't work for several hours during " maintenance '' and there is no way to get any help?
Consumer complaint received 2022-10-16
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: Experian Information Solutions Inc. (NM)

On XX/XX/XXXX I sent out a inquiry removal letter, i specifically asked them " I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. '' within 5 days I got a response from Experian saying the information was " accurate '' yet they DID NOT provide me the proof I asked for if they did decide to label it " accurate ''
Consumer complaint received 2023-08-22
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: EQUIFAX, INC. (CA)

My credit report is showing late payments to XXXX XXXXXXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXXXXX XXXX customer service representative.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I've reached out on multiple occasions and told them to correct the things on my report that's inaccurate dates on credit report XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Non-validation of debt for two accounts that have not been properly validated by this company. Account numbers ending in XXXX with a balance of {$2600.00} and XXXX with a balance of {$840.00}. I have been communicating with this company with the credit bureaus and through mail. I still have not been supplied with the original contracts with my signatures to validate these debts. I have filed a complaint with the XXXX  ( XXXX XXXX XXXX  ) and now here. Also multiple laws in accordance with the FCRA have been broken because for some time now I've been receiving letters with multiple violations on them, here are the laws that have been broken, ( 15b USC 1692 B ( 2 ), 15 USC 1692 B ( 5 ), 15 USC 1692 C ( A ), 15 USC 1692 C ( A ). This company knowingly operates without regard to the FDCPA and FCRA even after multiple litigation cases against them for violating these federal acts. At this point, I am convinced this company can not produce the original signed documents by me to validate these debts. Next, I will be filing a complaint with the Attorney General and preparing to retain legal representation against PRA to remove these collections from my XXXX credit report and to receive {$1000.00} per violation and possibly more for the damages. I will not take any further action IF these accounts are removed from my XXXX credit report. Also I'm including a theft report on this complaint because I am 100 % sure these accounts are fraudulent and not mine to begin with, once again remove these accounts from my credit report immediately.
Consumer complaint received 2019-06-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc. (TX)

Medical appointment, with a XXXX, date uncertain, ( probably XXXX ) for routine exam. Routine exam, no XXXX growths found. Dr.did remove, by freezing 2 ( two ) very small XXXX growths on my neck. I was released and total charge would be {$20.00} for an office visit. 
Received a bill in the mail for {$150.00} for surgical charges! 
I disputed this, contending that the freezing of 2 ( two )  small calcified pin size growths WAS NOT XXXX. 
I continued to receive monthly statements from this unethical Doctor? 
On XX/XX/XXXX, I received a demand letter from Southwest Recovery Services for service by XXXX XXXX. 
I mailed a " Cease & Desist '' letter to Southwest Recovery the next day. 
I am now receiving " demand letters '', threatening legal action from Southwest Recovery Services. I believe this is in direct violation of the Fair Debt Collection Act.

In addition I received an inquiry from the Social Security administration concerning a {$450.00} charge from XXXX XXXX   that XXXX had filed on my Social Security account, part 'B '. 
I DO NOT have part 'B ' coverage, only part A. 
XXXX XXXX made a copy of my current XXXX card & knew that I did not have part 'B ' coverage. This is a fraudulent charge made by an unscrupulous dishonest, vindictive Doctor. This man should be made to answer for this attempted fraud.
Consumer complaint received 2016-06-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (MA)

On XXXX XXXX midland credit has called me 4 times today. once at around XXXX, then at XXXX, XXXX and again at XXXX. At XXXX I told her I 'm not a secretary and goodbye. at XXXX they called again, no one answered. At XXXX, I informed them they were using a house phone. XXXX does not use house phone for anything, they had wrong number. I called them back and informed them they were harassing me. they said they were going to put on do not call list. they said that last week also and previous weeks. Also they asked me who I was and there were XXXX names at this number.
Consumer complaint received 2021-10-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (FL)

I've sent 2 validation letters ( XX/XX/2021 and XX/XX/2021 ) to Penn Corp to validate the debt. I send both letters certified and got confirmation they received them. Both times they did not validate the debt, I requesting documents with my signature, specific dates and procedures if any was done. Both time they just send me a copy of a bill, that could be anybody 's bill. They did not validate the debt. At this time I'm requesting the get these removed off all 3 credit bureaus, for lack of validation. The company has not provided me with any proof of the debt other than a random bill. The name on the bill is not mine and the address on this bill also is not mine.
Consumer complaint received 2021-04-13
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. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''