davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-02
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)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

On XX/XX/2019, I requested a reinstatement quote from Ocwen for {$22000.00}. Before this, we received notification Ocwen was turning over their mortgage practices to XXXX as of XX/XX/XXXX. The reinstatement quote I received for {$22000.00} stated it was good until XX/XX/2019. When I called Ocwen on XX/XX/2019 to ask if the wire transfer information listed on the statement would be valid until XX/XX/2019 I was told by the agent that it would be. Today, I am ready to pay the reinstatement amount. To double check the wire transfer information, I called the Ocwen number, which is now answered as XXXX. When I inquired about the reinstatement amount, I was then informed the mortgage information was turned over to XXXX XXXX. When I called the number XXXX gave me for XXXX XXXX, it was an automated message for XXXX XXXX. After going through three different menus, I was finally given an option for XXXX XXXX. When I spoke to the operator, I was told they would need time to research the reinstatement amount and the quote I had was no longer valid. I was told they would email this information to me some time next week. Now the risk of foreclosure looms instead of being able to handle this today. I want to pay the amount due as per the reinstatement quote I was given. Nothing was stated in any of the mortgage transfer information concerning reinstatement quotes no longer being valid after XX/XX/XXXX. Instead Ocwen says any monies due on or before XX/XX/XXXX should be paid to Ocwen. The reinstatement amount directly deals with monies due on and before XX/XX/2019 in the amount of XXXX, XXXX. They should honor this amount and the reinstatement quote given.
Consumer complaint received 2019-08-13
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. (PA)

I reviewed my personal credit report(s) online in XX/XX/XXXX and saw where XXXX reported to credit bureaus TransUnion and XXXX  that I owed them $XXXX. I then spoke to XXXX  on the phone to clear the matter up to no avail. I gave them my name, social security number, and the partial account number listed on credit reports and was told that there was no error. I reiterated to them that the amount owed was not my debt and that they should close the account and remove this delinquent status from my credit report.Since speaking with XXXX, I continued to monitor my credit report(s) and then decided to put my dispute with them in writing via certified mail on XX/XX/XXXX. During this time the amount owed grew to $XXXX. I requested “validation”, that was competent evidence bearing my signature, showing that I have (or ever had) some contractual obligation to pay them. I further requested that if they could not validate the debt, they must have all credit reporting agencies delete the entry.XXXX responded on XX/XX/XXXX where they listed the account identifier (account number) as XXXX and stated that my return address does not match the address in their records and that they needed additional information to respond to my request.After reviewing my credit report(s) for XX/XX/XXXX, I noticed a comment under the XXXX entry that stated, “Account closed at consumer's request and dispute investigation completed; consumer disagrees.” I wrote to XXXX again on XX/XX/XXXX asking for evidence as well as the name, address, and telephone number of each person who personally verified the alleged account so I could inquire about the process since they failed to present any proof bearing my signature. I received no response to date, and they have since reported that I owe $XXXX. The “Payment History” for this account starts at the month of XX/XX/XXXX and is marked “C” for collection. No other payment history is listed before XXXX although the report states that the account was opened in XX/XX/XXXX and the highest balance at one point was $XXXX. Prior to XX/XX/XXXX, XXXX  was never listed as an account on any of my credit reports. I am now suffering hardship in obtaining credit due to negative credit reporting and a significant decrease in my FICO scores. I have sent dispute letters to XXXX and TransUnion as well on XX/XX/XXXX and XX/XX/XXXX to no avail.
Consumer complaint received 2021-05-04
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. (VA)

XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2024-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I got a random call from Transworld System Inc/94 about some debt from a company by the name of XXXX XXXX in Texas. I have never lived in Texas or heard of this company so I explained they must have me confused with another person with the same name. The lady was so rude and demanded i pay the debt even though it wasn't mine. They reported me to the 3 credit bureaus and Im in the middle of taking out a HELOC and buying a car. My score dropped XXXX points!
Consumer complaint received 2021-08-13
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. (GA)

Ive disputed this account several time and submitted the corespondance from said company stating they were removing the account from the bureaus, XXXX  and XXXX  have already removed it yet Experian refuses to follow suite
Consumer complaint received 2020-07-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

I was offered and accepted overdraft coverages and feel they did not give me what my contract told me I would get. My account was closed before I could pay the amount and sent to collection for being overdraft. I tried to work with the credit union and they refused. It is on my credit report reporting false information because I feel I paid for a service I did not get. I feel this is false and deceptive information the bank gave me about overdraft coverage for {$700.00}. I was even threaten by the collection agency about a medical debt from 2001 from XXXX XXXX and was told that it was also still a valid debt.
Consumer complaint received 2022-04-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd (VA)

On XX/XX/2022, I received a notice from my credit monitoring agency that there was a bill in collections from the business XXXX XXXX located at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. I immediately got concerned since I have never made a late payment and pay all my bills on time ( this was the only negative on my credit report ). However, when I looked online directly at the XXXX website, it said that I owed a balance of {XXXX}. I immediately paid that balance in full ( transaction number XXXX ; account number XXXX ) and called XXXX XXXX to let them know that I never got a notice of a balance due or even a letter saying they would put my account into collections. I left a voicemail as instructed with my account number and telephone number. I did not get a phone call back or any resolution. This is absolutely ridiculous that this company without put my account into collections as I have not even heard a single thing from them until my credit monitoring agency notified me. Furthermore, I have even received notifications from XXXX XXXX about my XXXX  machine having a recall issued on it. The company obviously has my correct email address. No notice was given.
Consumer complaint received 2022-04-02
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. (CA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (MI)

XXXX/XXXX/2020. Spoke with Stillman Law office. I called in to try and make a settlement with them. They denied settling with me and also let me know that there was a judgement agianst me that I was never informed of. They threatened to garnish my wages, threatened to garnish against my home and threatened to garnish my tax refund. These people do not even have my name correct and the claim is innacurate.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (NC)

I received a phone call from Revco Solutions on XX/XX/year> from a XXXX stating that I should call XXXX. I called the stated number XX/XX/year> at XXXX XXXX stating that I was returning a call using the number left and that I'd identify myself with my name. The agent told me that I would need the phone number that I was called at. I told her that I wouldn't provide that information at the moment, to which she responded " Have a good day '' and the call was ended. 

More importantly, the debt that they're likely referencing is a medical debt that is not owed by me -- as it's a billing mixup between the hospital and my health insurance -- and the resulting balance owed to them is unequivocally {$0.00}.
Consumer complaint received 2021-05-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (FL)

I am struggling to pay the payment and the interest is {$8.00} daily. The contract states 188.97 % which I clearly did not understand at the time I signed at the transmission shop XXXX. I tried to ask them to lower the rate and the representative stated the were following FDIC guidelines and that they could not lower the rate.
Consumer complaint received 2019-11-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED COMMUNITY BANK (GA)

I recieved my bank statement to find my account had over XXXX in charges that I did not authorize so I went to bank called police did every single thing known to do an As I was asked to do, and yet it's been 30 days now An I have XXXX in bounced check fees fines and the bank is refusing to give me my money back and im told that it's a civil cop matter not there problem they said it's theft not fraud well yeah it is both cause I'm not sure who stole it I gave them few scenarios I might could help them but I'm not sure they said I need to make an arrest to whom did it and get the cops to make them pay me back it's ludicris! Im in need of that money and as the CEO mr XXXX words to me were, oh well you may just have to eat that money REALLY im blown away I put my money in trusting them to keep for me safely and now im broke and completely losing my whole life daily please help me.
Consumer complaint received 2019-11-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

IQ DATA INTERNATIONAL IN, ( Debt Collector ), reported me to the credit bureau on behalf of ( XXXX XXXX XXXX XXXX XXXX ) That I owed XXXX dollars. I did not break my contract, they said I owed the money in damages apartment had, and they had to fix. I called the debt collector in 2015, and stated that I did not do XXXX worth of damage, but I was willing to settle it for XXXX dollars. They refused and told me the amount would just be going up, today they say I owe XXXX dollars, I think that is not legal what they are doing, also they will not compromise with me, they want the whole XXXX for deletion on my credit file. I do not have XXXX dollars, I can only afford XXXX, which I think its a good compromise, for the original balance of XXXX ( which I did not do in damages to apartment )
Consumer complaint received 2021-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX I arrived to XXXX XXXX for an vacation, when I arrived I unpacked and got an taxi to go to an ATM to get some cash out, but the driver had other ideas in mind. He took me to an empty building where they were other people there waiting and had guns with them, they told me to get out and give them everything I had on me, they took my phone, wallet and car keys, they asked for my passcode for my phone and ATM debit card pin, I gave them all of that. I assumes I would be let go but they followed me and force their way in my XXXX and stayed with me during my whole time in XXXX. Chase denied my claim because they stated that I didnt contact them as soon as my card and atm pin was stolen but the people that did that was with me the whole time and I couldnt possibly reach them. Second they said I shouldnt have gave them my pin, they basically told me I should have risk my life instead of my giving them my pin. And lastly they said there were no transactions after my card was closed but I told chase that the people was with me until I left back to the states so they will know when to stop using the atm card. Chase did not gather my full story, the reasons why they denied absolutely made no sense and chase approved one transaction that the robbers made an food delivery for XXXX $ but they didnt approve the XXXX $ Of atm transactions the robbers did in front of me. I felt chase only approved the lower amount because it was lower, Chase banking didnt protect me. They didnt care what happen to me. It was really disappointing and saddening.
Consumer complaint received 2024-04-24
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2023-02-01
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. (FL)

I am requesting again in regards to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-02
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)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-05-04
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: EQUIFAX, INC. (VA)

I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$3300.00}. I have tried many times to get this verified with no such luck. Please review for deletion.