davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

While I was in XXXX and then on XXXX XXXX in XXXX from XXXX-XXXX, XXXX roommates that I had been living with left the apartment without my knowledge. When I returned home, I no longer had contact with the roommates and several years later, I started receiving harassing phone calls from IQ Data Int'l. They kept asking me for contact information for the XXXX former roommates, which I did n't have. They accused me of lying, they yelled, they told me I had to pay the outstanding debt immediately, otherwise they would n't " give me a deal '' and then they threatened to sue me. 

When I explained that I was in XXXX and did n't receive any notification that my former roommates left, they said " that does n't matter. '' They kept cutting me off when I tried to explain I was n't even in the country and the representative from IQ Data said " You need to stop talking and listen me. '' They would n't let explain and they just kept yelling at me.
Consumer complaint received 2022-07-17
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. (OH)

On XX/XX/2022 I sent XXXX a certified letter along with a return receipt. 

In accordance to the Fair Credit Reporting Act XXXX  Account Number # XXXX, has violated my rights. 15 U. S. C 1681 section 602 A. States that 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 an account without my written instructions.
Consumer complaint received 2021-10-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: OneMain Finance Corporation (MO)

I have been trying to dispute this account and have it removed from my credit file due to inaccurate information reporting to the credit bureaus about this account.
Consumer complaint received 2020-11-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Orions Management Group, LLC (TX)

Orions Management a collection company contacted me about a debt for Credit Shop which I advised them that I had just received a notice from another collection agency, XXXX, that also stated I owed on the debt. I asked them if they were affiliated which they stated they were not. I advised Orions Management that I had filed an identify theft report about this debt which I provided them and requested the debt be validated and that they provide me with proof of the legal right to collect on the debt. They sent me some copied documents and a spreadsheet which I advised that the information was fraudulent and that more is need to validate that the debt was mine. In addition, I advised that the identify theft affidavit was submitted in reference to this debt with the prior collection agency that contacted me during this same time and I also submitted an identity theft affidavit to Orions Management which they stated they wanted a police report. Since that time I have tried to obtain a police report but was advised that I needed to file a report on Identifytheft.gov, which I did. The representative with Orions Management advised me that they would send documentation that they owned and have legal rights to collect the debt but has failed to do so and advised me to call another collection agency to " ask '' them who the debt was sold to. I advised the representative at Orions Management that documentation must be provided not just a phone call that I have to make to a company that purportedly owned the debt before selling the debt. Since that time Orions Management has failed to validate the debt and provide proof of ownership of the debt and place the collection on my credit report.
Consumer complaint received 2021-10-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I disputed the incorrect information. The company received the information from XXXX XXXX indicating that the late payments were reported in error. The company only removed the two thirty day lates. They did not remove the 60 day late although XXXX XXXX indicated that the payments were posted incorrectly. I was not late in XXXX or XXXX so there is no way that there was a 60 day late. I applied to refinance my house after I was told everything had been corrected. I was denied. I want the incorrect information removed, the inquiry removed, and my credit rescored.
Consumer complaint received 2020-05-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CO)

Since XXXX of XXXX my XXXX and I have been dealing with the idiots at Bayview Loan Servicing about becoming a successor of interest. In XX/XX/XXXX XXXX XXXX as a courtesy made my XXXX a successor. Bayview then hired an attorney and attached is his letter showing that I am an owner in the property which I have been claiming for months. As you can see from XXXX XXXX the XXXX at Bayview per her letter I have no interest however there own attorney disputes that finding. Close these XXXX down. Also the Consumer Finance Agency has in place laws to quickly determine successors and I do not believe that almost 20 months is quickly. Bayviews own attorney has proven our case Thank you
Consumer complaint received 2017-03-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

This is a follow-up to claim # XXXX which I have just disputed. However, in an effort to further clarify my previous message which stated the following : " The second proprietary lease has been forwarded to XXXX '' who confirmed receipt. Per your letter and XXXX you were to send me back one of the proprietary leases along with the stock certificate. 

I do not understand what game are you and XXXX playing with me. I have been dealing with this issue for almost two years now which seems like a bad dream I ca n't wait to wake up from.
Consumer complaint received 2023-04-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As far as I understand, FCRA 605B mandates the removal of inaccurately reported accounts from credit reports. I'm unsure about the details, but I urge you to examine the accounts provided in the documents. They're inaccurately reflected on my credit report, with incorrect account details and statuses. This situation has left me feeling upset and unwell. Your help with this matter would be greatly appreciated.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To my knowledge, FCRA 605B states that inaccurately reported accounts should be removed from credit reports. I'm uncertain about the specifics, but please review the accounts detailed in the documents. They're inaccurately reported on my credit history, including erroneous account information and statuses. This situation has upset me, and I'm feeling unwell. I'm reaching out for your assistance.
Consumer complaint received 2023-04-21
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to validate 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 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 2018-03-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First National Collection Bureau, Inc. (TX)

Now this debt which is passed the statute of limitations in the state of Texas is sold to this company who is now harassing me regarding this debt and has threatened to place it on my credit reports for all 3 bureaus and take legal action. They continue to call and hang up on my phone while I am at work. They call from different numbers stating they need to deliver court documents. I am being harrassed day and night. This company does not have a surety bond in the state of Texas to collect, which is required. Yet, they continue to attempt to collect and violate Texas law. I filed a compliant against this company with the Texas attorney generals office. I am also seeking a class action lawsuit with my attorney due to the mental, emotional and medical stress and distress this is causing me as a XXXX a patient awaiting XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX  are bonded in the state of Texas and are required to comply with Texas Finance Code. If  a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ),  that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
Consumer complaint received 2022-07-18
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. (GA)

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent information from my Credit file. The items I need deleted are listed in the ID THEFT REPORT. I am a victim of identity theft and did not make the charge nor accounts. I have been infroming the Credit Bureuas regarding my situation through written letters with complete attahments of my personal information. But despite all my efforts to have the fraudulent items removed, the Credit Bureuas have failed to comply with tmy requests and the FCRA section XXXXb. I am frustrated to see that the Credit Bureau have done nothing in order to correct my Credit File. The XXXX and Equifax Credit Bureaus clearly violated the FCRA regulation and I am tempted to pursue legal action against the Credit Bureaus. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the Fair Credit Reporting Act Section XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX CARD XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXX Balance Owed : {$14000.00}.
Consumer complaint received 2021-10-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

A contractor scamed me out of {$500.00} I'd sent the money from my bank account through XXXX. I thought the bank insured us customers 100 % of our money obviously not bank of america is my bank they told me that the contractors bank wasn't able to retrive the money from the fake contractor he didnt have the funds in his account to get my bank said its cut and dry im out of my {$500.00} I've been banking with bank of america for years and a good customer i need help on getting my money back
Consumer complaint received 2021-10-08
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. (GA)

I have reach out to XXXX, XXXX, Experian to investigate the public records each has listed on my credit reports. This items was not reported to the credit bureaus from the original creditors and therefore was not verified through any investigation. I submitted documentation to each of the credit bureaus from the courts stating they DO NOT report to any credit bureaus. 

I've submitted several claims. The last communication was received on XX/XX/21 and the letter I received from them was dated XX/XX/21. Verifying that they verified the claim with the original creditor. I reached out to them to ask whom they spoke with, the persons job title, and phone number they used to contact the Courts and was not provided any of the requested information. 

The credit bureau has been evasive on providing information in regards to their investigating.
Consumer complaint received 2020-05-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

I was notified by Convergent Outsourcing Inc. on XX/XX/2020 of an account that was allegedly owned by me from XXXX. I responded to convergent on XX/XX/2020 with a request for validation of the debt and I never received any verification from their company. I received a notice via email on XX/XX/2020 that the account was now on my credit report and it has caused my credit score to drop a considerable amount. My request was received and signed by XXXX XXXX on XX/XX/2020. I never received a response to my request and the company has illegally placed the account on my credit report. on XX/XX/2020 I spoke with two individuals that stated they did not have to respond to my request and that all they needed was my name and social security number to place the account on my credit report.On XX/XX/2020 I spoke with XXXX XXXX, and her supervisor XXXX XXXX and they were both rude and dismissive of my complaint. I was told by XXXX XXXX that I issued a cease and desist order and the order stated that " until they provided the requested documentation they should cease and desist all further attempts to collect the debt ''. I have received absolutely no correspondence from the company at all.
Consumer complaint received 2021-05-20
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. (MO)

I recently noticed my credit report are showing inaccurate and unverified information that is harmful to my consumer credit profile. I have requested for my instruction to be followed with the certified mail return receipt, sent to Experian. Mail Sent : XX/XX/2021 I also had a phone call with Experian reps. I confirmed with a Experian Rep XXXX, on XX/XX/XXXX, the call started XXXX confirming Experian received my documents on XX/XX/2021 and ended with her acknowledging Experian follows the FCRA and the laws that I stated to her are deemed in my right to be granted. The phone # : XXXX XXXX XXXX XXXX XXXX I have requested Pursuant to 15 usc 1681b ( c ), any consumer reporting agency my furnish a consumer report the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I the consumer XXXX XXXX, have never given Experian permission to report anything on my consumer report. No consent is IDENTITY THEFT. I am demanding the removal of this account : XXXX XXXX : XXXX. 
XXXX XXXX : XXXX XXXX XXXX : XXXX I also requested the removal of 2 hard inquiries of XXXX and XXXX on XXXX XX/XX/XXXX XXXX call started ) with Experian Representative XXXX XXXX she proceeded to remove those hard inquiries and said it would take 24hrs. I have allowed Experian time to fix issue in 30 day timeframe and Experian representative assured me all laws within the FCRA will be followed.
Consumer complaint received 2016-11-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC (MO)

Last week I was flooded with letters from lawyers saying I am being sued. So I got on court online and saw that I am being sued by Cavalry Portfolio Services, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, N.Y. XXXX XXXX. I immediately sent them a register letter but have not received a response. I research this company online just to find they have harassed and got judgments from unsuspecting people in the past. They have been sneaking around my house leaving cards, too. I live in the country and find this scary. I ca n't say how dangerous this can be for someone.
Consumer complaint received 2021-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have reach out to Transunion, XXXX, XXXX to investigate the public records each has listed on my credit reports. This items was not reported to the credit bureaus from the original creditors and therefore was not verified through any investigation. I submitted documentation to each of the credit bureaus from the courts stating they DO NOT report to any credit bureaus. 

I've submitted several claims. The last communication was received on XX/XX/21 and the letter I received from them was dated XX/XX/21. Verifying that they verified the claim with the original creditor. I reached out to them to ask whom they spoke with, the persons job title, and phone number they used to contact the Courts and was not provided any of the requested information. 

The credit bureau has been evasive on providing information in regards to their investigating.
Consumer complaint received 2023-04-21
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. (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 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NY)

A Chase card has been opened in my name but the problem is that I never opened it. There is an address on my credit report that I have never lived at. I have sent a letter to Chase card to this effect. I would like this to be resolved as soon as possible to prevent further damage to my credit history.