davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ovation Financial Services, LLC (TX)

I am currently in processed to be XXXX since I have several health issues such as XXXX, XXXX XXXX, XXXX XXXX  XXXX, my bones are the ones of a XXXX XXXX XXXX woman. So currently I can not work, I am applying for ssi. So I can not make the monthly payments I have on my home tax loan. I have tried to work with them to lower my payments since my kids are the ones helping me right now but they have families of their own. I have been treated with disrespect from employees of this company. I can not reach an aggrement with them since they do not want to lower my payments, I have send them proof of my medical issues and they do not care. I am at risk of losing my home or have a forever debt since whenever I can give payments it goes to the interests only. I am desperate. This company is XXXX XXXX.
Consumer complaint received 2022-05-27
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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 XXXX XXXX XXXX XXXX {$670.00}
Consumer complaint received 2022-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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 XXXX XXXX XXXX XXXX {$670.00}
Consumer complaint received 2022-05-27
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: EQUIFAX, INC. (NJ)

I had sent you a certified mail in XX/XX/2022 regarding negative information on my credit report. You had many days to answer my dispute and I have not received any answer. Because of this, you must remove these account that I disputed earlier but you failed to removed accounts that are unverifiable I told you they are not attached to any address of mine so how are these accounts still can be seen here?
Consumer complaint received 2022-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (PA)

In XXXX at that time was using XXXX XXXX as my cable company. In XXXX I was moving to another place. So I was in the process of waiting my provider to do XXXX XXXX not have internet. So I paid the last balance off which at the time was {$150.00} and sent in my equipment. When moving to my knew place, in XXXX of XXXX XXXX XXXX  wasnt on my credit report. In XXXX of XXXX I went onto XXXX XXXX to look at my account and seen there was a hit of I C Systems for {$310.00}. I attended to call XXXX XXXX they told me I had a balance. I was told to call IC Systems to make a payment. Spoke with IC Systems they requested that I send information that I made the payment. That was done in XXXX of XXXX. I called back to see what the outcome was. IC systems and XXXX XXXX gave me the runaround. Called XXXX filed another dispute and was also told to call XXXX XXXX.
Consumer complaint received 2022-05-27
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. (MA)

The Credit bureaus stated the Account ( s ) listed below had been properly investigation but this is clearly fraudulent in nature & clear impossible based on the following fact ( s ) : a. Open Date is inaccurate b. Date Last Active i*s inaccurate c. Date Last Reported is inaccurate d. Payment History is Inaccurate Account : XXXX XXXX : # XXXX - reported on XXXX Account : Collection ( Original Creditor : XXXX  ) this account is XXXX XXXX same account reported on Experian / XXXX This, is immediate grounds The United States Code ( s ) specifically outline regulations which the Credit Bureau ( s ) continue to grossly / negligently do their job for what appears for profit selling said information to vendor ( s ).

a. Violation # 1 : Under 15 U.S. Chapter : 1681 S. 604 A ( Section 2 ) : The law clearly defines that a said consumer reporting agency can not furnish i.e. any said account without incorrectly or without said written instructions.

b. 15 USC 1681 Section 611 ( 2 ) ( a ) : Law Specifically indicates is " any '' said information is found inaccurate or can not be verified the consumer reporting agency ( s ) shall promptly delete the information from the file of the consumer.

See attached copies of Credit Reports numerous factual violations by all credit bureaus which have been updated/ verified to date.

1. Document # 1 : Dated - XX/XX/XXXX XXXX 2. Document # 2 : Dated - XX/XX/XXXX Experian & XXXX 3. Document # 3 : Dated - XX/XX/XXXX XXXX 4. Document # 4 : Dated XX/XX/XXXX XXXX Experian
Consumer complaint received 2022-05-27
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXX has violated my rights. 

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
Consumer complaint received 2022-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

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
Consumer complaint received 2019-09-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (UT)

I received a letter from Aldous & assoc for a debt in the amount of approx. {$260.00} for XXXX XXXX. I called XXXX XXXX and was told to call XXXX. I called XXXX XXXX XXXX said call Aldous & Assoc. I went on Aldous & Assoc website to see what this was about and to get more info. Aldous website gives a phone # for contact but does state it wont take emails. So I called Aldous. I told them the situation. The Aldous rep stated I needed the cancellation to XXXX in writing which I dont have because I cancelled in person at the gym in XXXX XXXX.So when I called Aldous & Assoc their Rep explained to me I had to send a letter in writing requesting info on this reported debt. I asked for them to send me any paperwork, bill, contract they had so I could see this debt for myself and decide what to do. Rep told me their debt collections letter was the official paperwork I needed, and it was Aldous and Assoc policy for me to request more info like actual bill or something to show this was actually my debt in writing only. I asked again for them to send me something and was told no I had to request info in writing. Aldous Policy is not MY Policy and not the LAW! 

I am here now requesting all billing contract and correspondence between me and XXXX XXXX as I dont have any business or legal contract with Aldous & Assoc and I dont just send money to people that send me a letter with a debt amount and say pay us this money or we will report you to credit reporting agencies. Aldous & Assoc seem to only follow their own internal Policies and not Federal or Utah State laws regarding debt collection. Also at the end of our conversation Aldous & Assoc who was rude and yelled at me, told me you have a {$260.00} bill PAY YOUR DEBT! then hung up!! after that phone conversation i went online and saw Aldous & Assocs have many negative reviews and complaints about them. They seem very shady. They also threatened to send my info credit bureaus. I tried to find a physical location of this company but theres only a PO Box . I found some info online about this company on glass door from former employees apparently its in a basement somewhere.
Consumer complaint received 2023-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Un-Authorized Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Improved Data Services LLC (GA)

On XX/XX/22 at XXXX, XXXX from IDS contacted my mother in reference to a credit card debt. I returned the call and asked that his company not contact her or other family members and to contact me directly. ( She has battled XXXX ) XXXX and another representative state that they would remove the contacts. He offered a debt settlement and I asked for time to see if that would be something I could afford. XXXX gives a deadline of XXXX XXXX each day as the time when " he has to sign off on this. '' He calls at XXXX ( XXXX hours early than said deadline ) the following day demanding that I call to discuss the settlement, XX/XX/22. My husband was contacted even after they were asked to contact me only. IDS was extremely rude to my husband and asked " don't you think you should help your wife? '' XXXX calls again on XX/XX/22 at XXXX am and threatens to continue calling other people to reach me. I did not receive his message until XXXX that day being in an area of bad cellular service. I returned the call and asked that they not contact me again. I confronted XXXX about the conversation with my husband and he denied they ever spoke with him. I have already reached out to the original creditor and will work with them. This bullying, aggressive and harassment by IDS has to be stopped. Some of us feel bad enough that we can not pay our debt, then we are left to deal with nasty, aggressive phone calls from a company that is completely dishonest. Thank you for your time.
Consumer complaint received 2022-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX BANK XXXX # 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 also 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 2022-05-27
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. (OH)

Hello, My credit score has been XXXX for a long time. During this time, I have had only 2 open accounts, a credit age of 6 years, and a poor credit card use of 88 % ( a XXXX XXXX card ). I also had no hard inquiries, no derogatory reports, and my payment history is 100 %. I had a XXXX with all of this information. 

In early XXXX, I had to put {$200.00} on my XXXX XXXX card because my bank card expired and I needed to pay my dentist. I knew I would take a hit on my credit score and I saw that it went down from XXXX to XXXX on XX/XX/XXXX. On XXXX XXXX, it listed the reason for the hit as the credit card balance, but I expected this. So I made an extra {$300.00} payment on the card, expecting the score to go up a bit from XXXX in XXXX ( XXXX XXXX reports my score on the XXXX of each month ). On XX/XX/XXXX, I paid my car payment on time, as always, and that's the other account on my credit score. Nothing about my credit history has changed. 

Yesterday, I was shocked when I saw that on the very day, XX/XX/XXXX, my score went down another XXXX points from XXXX to XXXX. Again, nothing on my account has changed and I have already been punished for the XXXX XXXX issue ( XXXX to XXXX ). I had a XXXX with all my information just the way it is now. I have spoken to two representatives at Transunion over the last two days, and they won't or can't tell me what about my account changed to warrant them dropping my score an extra XXXX points. One told me maybe it's because I only have 2 open accounts, but this never stopped my score from being XXXX. 

I'm hoping you will help me find out who was responsible for the giant drop when the score already dropped XXXX points because of the credit card. The company representatives don't know so why did they do it? And what is to stop them from lowering my score XXXX points whenever they want to? 

Thank you, XXXX XX/XX/22
Consumer complaint received 2022-05-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JP RECOVERY SERVICES, INC. (OH)

I have requested multiple times from XXXX XXXX for them to not only post what I owe on my patient portal so I can make payments but for them to also mail me a breakdown and non of this has occurred. I was also told that a supervisor would reach out to me to discuss why they can't post it to my portal and resolve this issue and that also never happened. I do not want to be in debt, like everyone else we are all struggling, HOWEVER, I have the right to know where my money goes and proof which is why I want it on my portal AND have the right to make payments which seems like that is not what they are willing to do. I also have the right to ask for the breakdown of what I am paying for which also seems like they are trying to avoid.
Consumer complaint received 2022-05-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CA)

The incident first occurred on XX/XX/2021, I was manipulated, " scammed '' if you will into investing into the companies stated below XXXX / XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not know these were not real or regulated companies the scammer that approached me online and pressured me to invest in them. 

I lost XXXX USD. 

The funds were trasferred from crypto.com into the scam companies.
Consumer complaint received 2019-09-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX, XXXX has sent numerous collectors to my residence ( one banging on my front door viewed via my Ring doorbell camera ). To my knowledge I received a bill and after that their agents came to my house. I emailed them a cease and desist letter to their email address XXXX on XX/XX/2019. They continue to send correspondence dated XX/XX/2019. 
They claim I owe {$4700.00}. I was never given an opportunity to dispute this debt.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

According to the GrammLeachBliley Act, dated on XX/XX/XXXX I, XXXX XXXX, Consumer am aware that The financial institution which is in fact ( XXXX XXXX XXXX XXXX XXXX XXXX ) is in noncompliance with the GrammLeachBliley Act, which in fact fines are up to {$100000.00} ( per violation ). It is evident that XXXX  XXXX is furnishing my private information to the Credit Reporting Agencies and did not comply with The GrammLeachBliley Act and provide me with the appropriate opt out notice according to The GrammLeachBliley Act for me ( XXXX XXXX ) the consumer to " Opt Out. XXXX  XXXX is in consistent noncompliance with all my complaints and this is my last warning. Im aware that XXXX  XXXX is furnishing my account as 60 days Late in XXXX, 90 days Late in XXXX, and 120 days Late in the month of XXXX and XXXX of XXXX to the Credit Reporting Agencies when in fact there is only 31 days in XXXX and 30 days in XXXX. Thats very deceptive of XXXX XXXX. Im also aware that a Finance Charge is a sum of ALL charges According to The Truth In Lending Act. I demand XXXX  XXXX to remove EVERY and ALL Late payments from my Consumer Report. I demand XXXX  XXXX to Remove the status Charge Off from my Consumer Report because that is in fact extortion to me reporting Charge off on my consumer report. If XXXX   XXXX continues to report Charge off on my consumer report you will be in violation of collection of Collection of credit by extortion means 18 U.S. Code 894 which in fact carry 20 years of imprisonment sentence which XXXX  XXXX will get. I gave you the warning. I will take all actions necessary. Now do what is right, and stop extorting Consumers. It is not right. I refuse to allow my rights to be violated. I will make sure You be held accountable if you decide to not comply with my demands and hold XXXX XXXX accountable of your extortion your doing to me. My credit is important to me and it is my reputation, and your ruining my financial reputation reporting Charge off and I will take all legal action to protect my reputation. Do you understand me XXXX XXXX? My credit is important to me. Now correct all your errors. Best regards
Consumer complaint received 2022-05-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/XXXX I was victim of a scam. A friend reached out to me on social media and tricked me into making false financial investments. ( I later learned that the friends account was hacked. My social media accounts also became hacked ). I was instructed to send an initial investment from XXXX of {$1000.00} to an account I was instructed to create at XXXX This account showed my initial deposit of {$1000.00} and a profit return of {$11000.00}. After a day the profit appeared I was then instructed via email that I needed to upgrade my XXXX XXXX account by paying {$2500.00} in order to withdrawal the initial investment of {$1000.00} plus the profit amount. On XX/XX/XXXX I contacted the company directly through XXXX and inquired on how to withdrawal the profit. I was told I needed to follow the instructions of the account manager and upgrade the account. On XX/XX/XXXX, I made the secondary payment of XXXX via XXXX and XXXX to withdrawal my funds. I was still not able to withdrawal and again I guided directly through the website and via account manager who no longer responded. At that point I claimed fraud on XXXX ( denied my claim ) and USAA for both the XXXX and XXXX payments. USAA debited the account for the XXXX  payments ( {$2000.00} ), replaced the debit cards linked to the account, and started an investigation. I received a call back from USAA on XX/XX/XXXX. I told them what happened and the investigator told me I was at fault and that I can no longer use my mobile wallet, XXXX, I will have to payback the debited amount of {$2000.00}. I was notified today XX/XX/XXXX the investigation is complete and I will be responsible for paying back the debited amount. I did not intentionally seek a scam I was investing in a product.
Consumer complaint received 2022-05-27
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)

On XX/XX/2022 I sent to Experian a dispute outlining an inaccuracy reporting on my credit report. The account reporting is a 30 day late payment. I have brought this account and the error being housed to Experian attention on several different occasions ( see attachments ). The response for each letter send has been untimely violating my rights and sometimes my letters were not addressed at all. The most recent response I received from the agency stated that the incorrect information on my credit report had been verified as correct. I immediately on XX/XX/2022 sent a letter to the company aforementioned asking them to inform me on what method did they use to verify the information as the FCRA Sec 611 ( a ) ( 5 ) ( A ) and FCRA Sec 611 ( a ) ( 6 ) ( B ) ( iii ) states in THE NOTICE OF RESULTS OF REINVESTIGATION section. I have not since received ANY response from Experian telling me the method in which the investigation was handled in order to come up with the conclusion it has. I can now assume that no such investigation actually occurred violating FCRA and 15 U.S.C laws. I know that the information this company has provided is false and a error had occurred on the end of the company involved because all of my accounts are on autopay. I also contacted the creditor and they were not able to provide me with proof of this information either. I have worked hard to receive the credit rating I have and am very confused as to why this error has occurred. I would like the correct information reflected on my credit report as I rightfully deserve.
Consumer complaint received 2022-05-27
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: EQUIFAX, INC. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XXXX of XXXX the bank closed my credit card account and demanded me to provide them my Social and official ID. I called them and refused to re open until I mailed the copies. I mailed them and never received an answer. I never missed a payment and to this day they never answered.