davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: United Revenue Corporation (TX)

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
Consumer complaint received 2021-05-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (MN)

After opening an account with Binance about 2 months before making this complaint, I made a deposit with my debit card on XX/XX/XXXX. I was unable to use the funds deposited into their Mobil app from XX/XX/XXXX to present day. I have sent four support inquiries that have not been substantively answered. Rather, Binance both restricted my trading after receiving verified funds and blocked my ability to withdraw the funds. ( My attempts to withdraw started I received a message withdrawal suspended due to fraud risk. ) Between Binances fees, pennies they make on millisecond trade delays across ALL accounts ; and freezing small investor funds, this company has created the blueprint to making money off the backs of less savvy customers. This can not go unchecked. In my last email to them I advised that I intend to bring a federal action. I have forwarded this information to the appropriate persons in the Senate and ask the CFPB to either monitor the activities of this organization pending Congressional inquiry or discuss with myself and other law students our being fleeced and bring a CFPB investigaton. There are too many millennials trading on Binance for CFPB to not act.
Consumer complaint received 2021-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Respected Officials, I dialed the Bank of America credit card support line as I am in XXXX now, to pay balances. 

I was given wrong information saying there was a pending charge of XXXX . 

I would like to know the reason behind discrepancy Current Balance of - {$13.00} Now Viewing Current Statement All Transactions Types Pending XXXX XXXX XXXX {$10.00} - {$3.00} XX/XX/2021 Automated Phone Payment-Thank You - {$14.00} - {$13.00} XX/XX/2021 XXXX XXXX {$4.00} {$0.00} XX/XX/2021 Automated Phone Payment-Thank You - {$8.00} - Call was made on XX/XX/2021 at around XXXX XXXX  IST and payment was scheduled. 

Please see email confirmation Bank of America XXXX XXXX Show more XX/XX/XXXX at XXXX XXXX Load blocked images Bank of America ( R ) Hi, XXXX, thanks for setting up your phone payment with our automated telephone service on XX/XX/2021 Credit Card ending in XXXX Your tracking number is XXXX Your payment of {$14.00} has been received and will apply to your credit card account. This payment remains effective as of the date of your call or your requested posting date. Please note, it may take up to 2 business days for your payment to be reflected in your account history.

If you didn't make this request, please call us right away, 24 hours a day, 7 days a week : Inside the U.S., call XXXX Outside the U.S., call XXXX Thank you for being our customer.
Consumer complaint received 2024-03-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc. (FL)

I am writing to formally dispute the actions of LMMINC, a collection agency, which I believe are in violation of several consumer protection laws and the Health Insurance Portability and Accountability Act ( HIPAA ). The specific laws allegedly violated are : 12 CFR 1006.34 ( b ) ( 5 ) : This regulation prohibits unfair, deceptive, or abusive acts or practices by debt collectors. LMMINC has violated this provision through unfair, deceptive, or abusive practice, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This section pertains to the communication tactics of debt collectors.

12 CFR 1006.34 ( d ) : This regulation addresses the validation of debts by debt collectors. I believe LMMINC has not adhered to the stipulations set forth in this section 15 USC 1681-S2 ( 7 ) ( A ) : This provision of the Fair Credit Reporting Act ( FCRA ) prohibits the reporting of inaccurate information to consumer reporting agencies.

HIPAA : Additionally, LMMINC may have violated HIPAA regulations by disclosed protected health information ( PHI ) without authorization I demand the immediate deletion of the account associated with LMMINC, from the records of both LMMINC and any credit reporting agencies. This demand is based on the identified violations and in accordance with my rights under the aforementioned laws. I appreciate the attention of the Consumer Financial Protection Bureau to this matter and your commitment to upholding consumer rights. Sincerely, XXXX XXXX
Consumer complaint received 2022-04-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (CO)

Original company was pioneer funding. Collection was opened XX/XX/2020. As of today it shows a balance of XXXX and opened. That is in error which it has been closed since XX/XX/2020. I've tried to get them to verify the debt with my signature and they can never send me anything with it on there. Please update and if they can't verify please delete.
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I have a FHA Home Mortgage Loan with XXXX XXXX  XXXX  XXXX in XXXX XXXX LA. It began in XX/XX/XXXX to present. The Bank will not put my 26 year payment history on my credit report after several requests. No info is on file with the Credit Bureaus. They will not give me a mortgage payoff amount, ( $ XXXX ). I  have went into the bank in XXXX, XXXX, XXXX, and XXXX of XXXX and can not get any mortgage information. My account is current after the Deferment, due to the Pandemic ( XXXX, XXXX, XXXX, XX/XX/XXXX ). XXXX payment was made at the bank. A fraudulent {$3000.00} installment loan is on my credit report that I never applied for. The Bank sent a letter that I came into the bank in XX/XX/XXXX and opened it up. The Bank 's Fraud Unit never got back with me. An Awful LIE, I never opened this loan account. I tried to resolve these issues in XXXX and XX/XX/XXXX by phone and email. I have not heard from anyone at XXXX XXXX. Please investigate and get me resolution on my mortgage that will be paid out by XX/XX/XXXX or sooner. Thank You for your time and assistance.
Consumer complaint received 2019-08-15
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/2019, I sent United States Bankruptcy Court ( USBC ) an letter requesting their procedure in place for verifying records with the credit reporting agencies. On XX/XX/2019, I received an response from USBC informing the bankruptcy court does NOT perform any activities with the credit bureaus. 

On XX/XX/2019, I sent XXXX an letter demanding verifiable proof they have on file regarding the bankruptcies listed on my report. On XX/XX/2019, I received the following response from XXXX  regarding the bankruptcies listed on my report. 

XXXX response : Outcome : Remains - The company that reported the information has certified to XXXX that the information is accurate. Public record items from courts that XXXX may have obtained through a third party vendor, XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-08-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

XX/XX/XXXXpayments were $XXXX.  Repeatedly return my payments saying checks are damaged-XX/XX/XXXX check for XXXX   returned, XX/XX/XXXX charged late fee of $XXXX.  New check XXXX returned "damaged."  Amount due for XXXX I paid $XXXX  for XX/XX/XXXX & XX/XX/XXXX.   XX/XX/XXXXpaid taxes as PennyMac was late.  Escrow was short $XX/XX/XXXXwhich I paid but payments went to $XXXX XX/XX/XXXX.  XX/XX/XXXX check for XXXX returned "damaged."  $XXXX late fee.  They got my acct. # wrong when called in and didn't post so $XXXX fee.  They said account was closed but XX/XX/XXXX I sent copies of statement showing it was open and active.  XX/XX/XXXX check "damaged" letter arrived.  XXXX XXXX has been an ignorant, inept communicator and needs education in customer service and business administration.  I don't know who it is but they must have graduated at the bottom of their class!  Via letter dated XX/XX/XXXX I was told they received another "damaged" payment.  I'm sure escrow will be short again this year and why, even though I pay the deficit, do my payments go up so significantly?  Out of all the businesses I pay by check why are they the one (1) whose checks are damaged?  They are trying to force me into online or auto-pay banking.  It's unethical and dirty business!
Consumer complaint received 2019-08-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (MD)

Westlake Financial is reporting inaccurate information on my credit report. The vehicle has been paid off but they are showing a balance of {$5500.00}. Westlake repossessed my vehicle in XX/XX/2019. I spoke with them and made arrangements to recover the vehicle and made an agreement to settle the account for less than owed. As part of the vehicle being repossessed the tow company caused over $ 7k in damage. My deductible was {$2500.00}. I requested additional time to settle the payoff agreement with Westlake. They advised that they would work with me but I needed to make the second payment. I made the second payment towards the payoff. They repossessed the vehicle a second time and voided out the first agreement. They would not provide me with a copy of our settlement agreement. They then tripled the amount that was due on the settlement agreement. I had no choice but to accept the second agreement. The second settlement agreement has been paid off. Westlake is reporting the loan as having a balance of {$5500.00}. They are also reporting failed to pay every month after they charged the account off. This behavior is unacceptable and has been consistent with the way that they operate.
Consumer complaint received 2022-04-27
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. (AL)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A 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 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian and XXXX are reporting the same account twice from the original creditor and collection agency. " Double Jeopardy '' is a violation of the FRCA and I am entitled to monies for damages by Experian and XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (FL)

I purchased a real estate course from XXXX XXXX for {$190.00}. I mistakenly decided to use Affirm to make payment for {$36.00} for 6 months. Within days of my account being open they called me and told me that someone tried to purchase 2 XXXX XXXX aand XXXX on my account. Within a week they had charged the full amount of {$190.00} to my bank account. I have contacted XXXX about the issue and they have cancelled my course. Now I am being harassed daily by affirm asking me to pay for something I no longer have. They need to be stopped.
Consumer complaint received 2021-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (CA)

I had an AARP credit card since XXXX, it was in good standing. In XXXX Chase cancelled my AARP c/c & " Lied '' to me that Chase no longer issues AARP credit cards. My AARP c/c had $ XXXX limit, which I always paid off on time ; I had a " always paid on time '' reported on all credit agencies ... enclosed a copy of XXXX XXXXn XXXX ) I had originally 3 credit cards that none where from Chase, but Chase bought them all out and now I have only 2 Chase Cards instead of 3 -IF they had given me the AARP Card. I went into Chase Bank in XXXX XXXX XXXX and ask about the AARP card not being issued to me & they said that they don't have any AARP Chase C/C anymore. I went online to see if they no longer issued AARP Credit Cards and 'there was a AARP Credit Card with all the other Chase Cards that they issue!! '' I had to " LOSE '' some of my credit ratings due to Chase deliberately closing my AARP Credit Card that was worth {$5000.00} & I always paid it off in full when bill came due!! 

ALSO, my Chase Freedom Credit Card 's minimum payment has been flucutating up & down ; instead of constantly going down every month because I have always paid at least the minimum?? ( enclosed XXXX different Chase Freedom Credit Card bills showing higher and then lower and then higher amounts!!
Consumer complaint received 2017-12-23
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: Bread Financial Holdings, Inc. (IN)

XXXX RAN MY CREDIT ON XXXX WHILE I HAD A FRAUD ALERT THUS CANCELLING TWO APPLICATIONS FAILED. I WANT BOTH INQUIRIES REMOVED SEE ATTACHED
Consumer complaint received 2022-10-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TN)

I, the natural person and consumer, did not receive any information regarding this alleged debt placed on my consumer report by MIDLAND FUNDING. Nor did I receive the information required per 15 USC 1692g ( a ). As such, pursuant to 15 USC 1692c ( c ), I refuse to pay this alleged debt. 

MIDLAND FUNDING have failed to provide adequate validation of the debt, such as proof of the existence of the alleged debt and outstanding balance, proof of a contract verfiying MIDLAND can legally collect, and proof that MIDLAND is the current holder of the instrument. 

MIDLAND is violating Uniform Commercial Code 3-302 ( a ) ( 2 ). A debt cant be transferred or sold when past due or in notice of dispute. This company claims that the alleged debt was originated from XXXX XXXX XXXX yet MIDLAND FUNDING is the company listed on my consumer credit report.
Consumer complaint received 2022-04-27
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kinum, Inc., Indianapolis, IN Branch (NJ)

On repeated occasions I have dealt with the rudest, most offensive and really scary abusive verbal abuse of the Kinum representative. He has repeatedly called and told me 'I 'm running away from my problems ' 'He has the authority to put this on my credit ' He has also mentioned my daughter name and where I work. This man scares me. He has assumed the debt is valid and it isn't.
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

On XX/XX/XXXX I tried to get approved for a VA Loan to purchase a house in XXXX XXXX Colorado and was notified that a {$7000.00} loan from XXXX was put out using my information by a former friend XXXX XXXX XXXX. I have no reason to apply for this loan and when the loan was issued I was in XXXX XXXX on Military XXXX. I did not apply for this loan and need it off my credit.
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

I noticed this problem on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TX)

To Whom It May Concern : Dear Sir/Madam : I am an Attorney at Law residing in XXXX, Texas, located in the XXXX XXXX. 

( 1 ) On XX/XX/2021, I purchased a set of books from Mr. XXXX XXXX aka XXXX on XXXX. I paid {$1000.00} using PayPal Credit provided by Synchrony Bank ; ( 2 ) On XX/XX/XXXX, I received the items via USPS ; ( 3 ) I open the package immediately and found significant damage to the book bindings ; ( 4 ) This material fact was not disclosed on the XXXX site or during any communication with the seller ; ( 5 ) After several back and forth, the seller agreed to take the item back and provided me with a XXXX issued USPS label with tracking number XXXX ; ( 6 ) During this time, I called XXXX and PayPal Credit and informed them about the issue. They both asked me to file a dispute and not to cancel either to be safe. I had several agents from both the companies advise me to keep both disputes open ; ( 7 ) XXXX and PayPal credit both have warranties and buyer protection program, sympathized with my plight and they assured me every time the matter will be resolved within a few days, and I will have my refund {$1000.00} soon ; ( 8 ) On XX/XX/2021, the buyer received all the return items and personally signed for them ; ( 9 ) On XX/XX/2021, PayPal Credit aka Synchrony Bank refused the refund although I had repeated informed them during my prior calls that the buyer has the items in his possession ; ( 10 ) So, I waited on XXXX to resolve the matter and on XX/XX/2021, they are denying my money back claim because I have opened another claim with PayPal credit and that I should contact the, only. ( 11 ) However, XXXX never contacted me and looks like PayPal credit in the previous 90 days negligently failed to confirm with PayPal credit to see that XXXX had already closed their case ; ( 11 ) I contacted XXXX immediately and re-opened my dispute ; ( 12 ) Today, on XX/XX/2021, I received a secure email from Synchrony bank aka PayPal credit with a letter dated XX/XX/2021 ; ( 13 ) They denied the claim because the merchant aka XXXX has provided some information stating that I have entered into a contract to pay them the money ; ( 14 ) I never agreed to any such thing especially when I do not even possess the merchandise. 
( 15 ) I have been tossed around between XXXX and PayPal credit for the last 6 months without any resolution and now made to pay for something I do not even have in my possession and that has been returned to the buyer with proof of receipt. 
I am frustrated, worn out, distraught and suffering from severe anxiety over this matter and have been taking medication to calm my nerves. Please help.