davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (CA)

XXXX has discharged my debt to a collection agency who is writing to offer a reduced settlement. I have tried both the phone number provided as well as the website provided to contact the company to request a copy of the original signed contract, as is my right. The phone number provided ( XXXX XXXX ) only asks questions related to sales of devices targeted to the elderly. After completing all the prompts the line eventually disconnects, therefore you are never allowed to contact the actual agency in order to arrive at resolution. The same practice is employed by the website provided ( http : //ssp.ercbpo.com ). Not only is this false representation but the fact that you are subsequently bombarded with service products targeted specifically to the elderly is horrifying, this is predatory business practices at its lowest form.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX while attempting to withdraw funds using my ATM linked on my XXXX XXXX app ( i've done this before multiple times ). I got a message saying my that ATM card had been cancelled and that the replacement has been activated. I tried a few times more. Then went int to speak to a teller. The teller verified that the card linked to my XXXX account was the current and valid one. I asked how we can fix it. The teller said I would have to call the phone number. I said I want to fix it now and here. He claimed he couldn't fix it. I insisted it be fixed. The teller then said the manager could help me. I said I'll wait here, the teller went and got the manager and the manager said he could help me in 2 minutes. I said fine and stated I would wait here. The manager and teller then proceeded to count money for a client a process that took longer than 2 minutes. Then the teller moved windows, I moved with him. The teller than said he had to help customers I said you're helping me. He then went and got the manager who said, " if he ( the teller ) doesn't help you, you're not getting help ''. The teller already said he couldn't help me. He's denying my access to my funds and the service Chase charges me for. I reminded him that he said it would be 2 minutes. He then lied and said he never said such a thing. He then told the teller to call XXXX. The teller called XXXX lied claiming I was harassing customers and being " aggressive ''. I was neither. This all happened at the Chase bank located at XXXX XXXX XXXX, XXXX CA XXXX. The bank Manager name was XXXX XXXX. The first office to respond from the XXXX XXXX XXXX XXXX badge # XXXX. I reached out to Chase via the in-app chat. They have yet to respond, besides a generic Chat Bot response. 

Is this wire fraud? How are they allowed to deny me access to my money and services I pay for?
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I went to the free annual report site and attempted to obtain all three of my credit reports. I was able to print, view or download XXXX and XXXX. But, Transunion denied my request. This was today : XX/XX/2023. 

I have reported this issue with Transunion on at least two previous occasions ; however, the CFPB has been ineffective in forcing Transunion to provide my credit report, which is by Federal Law mandates it to do so. Thus, I am submitting another complaint to the CFPB, to encourage it to fulfill Its responsibility as a federally-mandated watchdog over consumer issues, such as is outlined under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Since my identity was stolen in XX/XX/XXXX, I have checked my credit often to stay on top of fraudulent activity. I kept noticing that I have repeated negative reporting from the same company ( XXXX XXXX ). Due to their illegal collection practices they removed one of the accounts from my credit report and ceased collecting on that account - but the other one, they are keeping there but have made no attempt to collect ( since I welcome the opportunity to dispute this in court ). They are doing this out of spit - since they were unable to collect on the other debt they bought. The last few disputes I have had -Equifax , has only accepted the minimal agreement from this predatory collection company that the debt is valid and refused to investigate further. Stating that that's all they have to do - ask the collection company and if they say the debt is valid, that's what they accept - regardless of the information I provided to the contrary. The account is listed by the original creditor as a charge off and as a collection with this company - causing two derogatory ( negative ) hits on my credit report. The last time I disputed this with Equifax was XX/XX/XXXX. I am doing it again because I am trying to clean up my credit to buy a home and this has to be resolved. A collection company should not have the ability to remain on your credit for 7 years without attempting to collect on the debt - the statute of limitations for collection on a debt in my State is 3 years. If they are not going to collect on this debt then it should not be on my credit to sit for an additional 4 years, along with the original creditor.
Consumer complaint received 2023-08-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance Owed : {$2400.00}.
Consumer complaint received 2023-08-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Despite my relentless efforts to rectify the presence of fraudulent, inaccurate, and misleading information on my consumer report, the matter persists unresolved. The inclusion of these items has profoundly impacted my life, inflicting considerable stress and XXXX. It is imperative to emphasize that I neither authorized nor consented to the association of this information with my name, as I have unfortunately fallen victim to identity theft.
Consumer complaint received 2023-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (TX)

I received a call from phone # XXXX, they stated a name ( someone else ) and asked if I was that person. I told them " wrong number ''. 

Since I registered on the National Do not call list, I called back the XXXX which began with a prompt " This call is being recorded '' and obtained their mailing address. I informed the rep that my number is on the National Do not call list and would be reporting them. I looked up the information they provided and determined it's a debt collection Asset care LLC XXXX XXXX XXXX XXXX tx XXXX dept XXXX
Consumer complaint received 2023-08-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2023-08-04
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: LoanCare, LLC (SC)

In accurate with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-02
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

PHH Mortgage services my loan initiated in XX/XX/XXXX. Since then, this company has shown inability to provide basic management services. In XXXX, the company was not aware of their responsibility to pay my property taxes ; this was reflected in an uncharacteristically large refund in XX/XX/XXXX and lowering of my monthly payment by almost {$700.00}. At this time, I did not know that this resulted from PHH somehow determining that I would not pay property taxes in XXXX when I clearly had paid my XXXX taxes. I did my due diligence and attempted to contact PHH several times to validate the reasoning for this dramatic change in monthly payment, but each PHH agent could only tell me that it was due to the refunded surplus. One agent suggested that I was exempt from property taxes, which I corrected, asserting that I have never communicated such information to PHH. 

In XX/XX/XXXX, I received a tax levy for my property. After submitting an inquiry asking when my property taxes would be disbursed, PHH informed me that " my account was not escrowed for property taxes. '' This is simply incorrect, and my original loan paperwork confirms that the loan, like almost all mortgages, is escrowed for property taxes. I had to submit three inquiries before PHH finally disbursed only half of my property taxes, incurring a late fee. Additionally, in XX/XX/XXXX I received notification that due to the escrow shortage, my monthly payment would increase by almost {$800.00}. If PHH had done their basic due diligence, I wouldn't have had to accommodate two such drastic monthly payment changes within 4 months. In addition, PHH has yet to disburse the rest of my property taxes as of XX/XX/XXXX. 

I don't know what escrow company has trouble understanding that property taxes must be paid. I have never provided any information indicating that I am exempt from property taxes, especially in the timeframe between XXXX and XXXX. I have spent hours attempting to receive answers from PHH, either by telephone or email, all because I want to ensure that my accounts are financially sound. They are even unable to process and communicate basic changes ; I submitted paperwork for a direct deposit change in XX/XX/XXXX and again in XX/XX/XXXX and have yet to receive any intent to process the requested change. The company simply chooses not to answer when they have to provide more than basic information. I am frustrated and at the end of my rope with a company that can not follow basic guidelines in servicing a loan.
Consumer complaint received 2023-08-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (LA)

My name is XXXX XXXX a federally protected Consumer and Iam making this complaint against I.C. System  for committing identity theft. I have never given I.C.System any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Iam aware that in accordance with Article 9, the assignment of the defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC subsection 1692 e ( 12 ). I have not validated any alleged debt with I.C.System of these alleged debts shall not be construed as an admission of liability. As of XXXX I have not received any documentary evidence, such as a trilateral contract, giving I.C.System any right to collect on this alleged debt. I have never received a documentation requesting validation from I.C.System, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt on my Consumer report, including not limited to 15 USC 1692 d ( 4 ). Which the FTC defines as debt parking. If I.C. System can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the Consumer, prior to furnishing it on my Consumer Report, this has been a fraudulently furnished account with Forethought and Malice as an attempt to bring harm to me and my Financial Reputation. Account # XXXX
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I am submitting this CFPB Complaint to dispute and request the removal of the outdated accounts from my credit file, which has been negatively impacting my credit history. I have reviewed my credit report and have identified the following inaccurate and outdated accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Balance : {$0.00} I wish to bring to the Credit Bureaus attention that these accounts are outdated and no longer applicable to my current financial status. I have diligently managed my credit obligations, and the outdated accounts do not reflect my current creditworthiness. Its presence on my credit file inaccurately represents my credit history, which could potentially hinder my ability to obtain favorable credit terms, loans, housing, and employment opportunities. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information in my credit report. The FCRA also grants me the right to dispute any inaccurate or outdated information and request its removal.
Consumer complaint received 2023-08-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate this account It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2018-01-08
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. (TN)

XXXX XXXX/XXXX is reporting incorrect information. I spoke with a representative on XX/XX/XXXX named XXXX ' and she stated that although they updated their information as paid, they DO NOT HAVE TO REPORT THIS TO THE BUREAU. XXXX has removed the account, but it is still showing on XXXX and Equifax. This account was sold to another lender, so it is technically showing TWICE. 

Account infom is XXXX XXXX/XXXX XXXX XXXX Account no. XXXX .... amount XXXX sowing late from XX/XX/XXXX through XX/XX/XXXX and this is INCORRECT. This is my sixth complaint
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I reported that I am a victim of identity Theft on XX/XX/2023. I sent all the proper documentation to XXXX, EXPERIAN, XXXX, and the consumer financial protection Bureau. These consumer reporting agencies failed to block the information on my credit file and properly investigate my disputes under U.S.C 1681 c-2. I have all the paperwork and proof sent from these consumer reporting agencies that violated my consumer rights.
Consumer complaint received 2023-08-04
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. (OK)

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION (DC)

M & T Bank has refused to close my M & T Tailored Business Checking despite multiple attempts. Per their website ( attached ), " non-interest bearing business accounts with a XXXX balance can be closed by calling the M & T Contact Center at XXXX, or by submitting a request through Online Banking. '' On XX/XX/23, I called the M & T Contact Center at XXXX to close my M & T Tailored Business Checking that has a {$0.00} balance. I was told by both a CSR and supervisor that they could not close business accounts via phone, and I would have to close in a branch or by mailing a letter to my local branch since I am out of town. 

On XX/XX/23, I also sent a secure message through Online Banking attempting to close my account, but was told " you spoke with an Telephone Banking Center representative about your concerns '' and was referred back to the M & T Telephone Banking Center. 

On XX/XX/23, I mailed a letter asking to close my account to the local branch the M & T Contact Center told me to send it to. 

On XX/XX/23, I called the local branch to confirm my account was closed and they told me they were unable to close the account from a letter and I would have to come into the branch to close it and there was nothing they could do while I'm unable to visit a branch.